The average cost of a full coverage insurance policy in Kansas City is $1,835 per year. Compared to the Missouri state average of $1,588, Kansas City residents pay $247 more per year for the same coverage.
The easiest way to save money on car insurance is by comparing quotes from multiple companies before you buy a policy. Policygenius can help you see options from top car insurance companies and choose the coverage that works best for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Kansas City, MO
Insurance companies all use the same information to determine car insurance rates, like your age, driving record, and ZIP code, but how companies weigh that data can vary.
That’s why it’s so important to shop around and compare options before deciding on a car insurance policy.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $936 | 890 |
GEICO | $1,031 | 874 |
Nationwide | $1,137 | 868 |
State Farm | $1,198 | 882 |
Auto-Owners Insurance | $1,315 | 865 |
Cheapest car insurance rates by ZIP code in Kansas City, MO
ZIP codes are one of the biggest factors insurance companies use to establish car insurance rates. Insurance companies look at the number of accidents and accident claims, the number of stolen vehicles, and the number of tickets issued in a specific neighborhood and set rates accordingly.
ZIP code | Average cost |
|---|---|
66109 | $1,558 |
66111 | $1,608 |
66112 | $1,687 |
66106 | $1,692 |
66103 | $1,698 |
66118 | $1,725 |
66105 | $1,762 |
66160 | $1,768 |
66115 | $1,776 |
66104 | $1,780 |
Choosing the right car insurance company in Kansas City, MO
There’s no one right company for every driver in Kansas City. The only way to find the company that will offer you the best coverage at the lowest rates is to shop around and compare options.
Policygenius makes it easy to see what you’ll pay with top car insurance companies, so you can feel confident you’re making the right choice.
Car insurance rates for drivers with driving violations in Kansas City, MO
Driving history is one of the biggest factors insurance companies use to set your insurance rates. A single speeding ticket can raise insurance rates by hundreds of dollars, while a DUI conviction can more than double or triple your rates.
Violation | USAA | GEICO | Nationwide | State Farm | Auto-Owners Insurance |
|---|---|---|---|---|---|
At-fault accident | $1,407 | $2,045 | $1,894 | $1,382 | $1,877 |
DUI | $2,363 | $3,858 | $2,428 | $1,289 | $3,293 |
Suspended license | $2,222 | $1,365 | $2,428 | $1,289 | $3,293 |
Open container | $1,354 | $1,365 | $1,426 | $1,289 | $1,720 |
Expired registration | $1,213 | $1,114 | $1,426 | $1,289 | $1,461 |
Driving without lights | $1,213 | $1,365 | $1,426 | $1,289 | $1,583 |
Running a red light | $1,213 | $1,365 | $1,426 | $1,289 | $1,583 |
Following too closely | $1,213 | $1,365 | $1,426 | $1,289 | $1,583 |
Hit and run | $2,551 | $3,858 | $2,428 | $1,289 | $3,293 |
Not-at-fault accident | $990 | $1,298 | $1,179 | $1,222 | $1,334 |
Passing a school bus | $1,354 | $1,365 | $1,426 | $1,289 | $1,809 |
Reckless driving | $1,354 | $2,698 | $2,428 | $1,289 | $2,310 |
Speeding | $1,213 | $1,365 | $1,426 | $1,289 | $2,310 |
Cheapest car insurance for drivers with a DUI in Kansas City, KS
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,289 |
USAA | $2,363 |
Nationwide | $2,428 |
Auto-Owners Insurance | $3,293 |
GEICO | $3,858 |
Cheapest car insurance for drivers with a speeding ticket in Kansas City, KS
Company | Rates for drivers with speeding tickets |
|---|---|
USAA | $1,213 |
State Farm | $1,289 |
GEICO | $1,365 |
Nationwide | $1,426 |
Auto-Owners Insurance | $2,310 |
Cheapest car insurance for drivers with bad credit in Kansas City, MO
A poor credit score means higher insurance rates, so Kansas City drivers with bad credit should take extra time to shop around and find their most affordable options.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,593 |
Nationwide | $1,751 |
USAA | $1,760 |
Travelers | $2,452 |
American Family | $2,592 |
Buying car insurance in Kansas City, MO
All Kansas City drivers must meet the minimum car insurance requirements in their state. The minimum liability insurance requirements in Missouri are:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
The insurance requirements are very low In Missouri and might not be enough protection in the event of an accident. In order to make sure you’re not left on the hook for expensive bills after a car crash, get higher liability limits and buy additional types of coverage.
How to get cheap car insurance in Kansas City, MO
Car insurance is required in Kansas City, but discounts are a great way to make sure you’re finding your most affordable rates. Some of the most common car insurance discounts include:
Bundling discount: For combining multiple policies, like home and auto insurance, with the same company
Military discount: For active-duty military and their families
Low mileage discount: For drivers who drive less than 7,500 annually
Good student discount: For full-time high school and college students who maintain a B average or better
Discounts vary by company, and the best way to save money on car insurance is always by comparing quotes before you buy.
Frequently asked questions
How much is car insurance per month in Missouri?
Drivers in Missouri pay an average of $1,588 per year for car insurance, which breaks down to $132 per month.
How much does car insurance cost in Missouri?
The average car insurance rate in Missouri is $1,588 per year, but this varies from place to place. For example, Drivers in Kansas City pay an average of $1,835 per year for car insurance, which is $247 higher than the state average.
Is car insurance cheaper in Kansas or Missouri?
Drivers in Missouri pay more for car insurance than drivers in Kansas, but not by much. The average insurance rate in Kansas is $1,532 per year, while the average insurance rate in Missouri is $1,588 per year.
Who actually has the cheapest car insurance in Kansas City?
According to our research, USAA has the lowest rates in Kansas City at $936 per year.
