How to find the cheapest car insurance in Kansas City, MO
The average Kansas City car owner pays about $95 per month for minimum liability coverage, and around $216 monthly for full coverage insurance. To find the cheapest car insurance rates in Kansas City, Missouri, you need to compare rates from multiple providers. The quickest and easiest way to do this is with the Jerry app.
Jerry uses your driving profile to compare rates from dozens of providers in your area to find you the best coverage at the best price. Take a look at the table below to see some of the rates Kansas City drivers have found by shopping with Jerry.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Bristol West | $387 | 21 | 64152 | Ford Escort Zx2 | State Minimum | No |
| Gainsco | $420 | 54 | 64155 | Nissan Murano Sv | State Minimum | Yes |
| National General | $118 | 44 | 64154 | Land Rover Range Rover Hse | State Minimum | No |
| Progressive | $161 | 33 | 64158 | Dodge Ram 1500 | State Minimum | No |
| Progressive | $211 | 53 | 64134 | Chevrolet Blazer Rs | State Minimum | Yes |
Best car insurance companies in Kansas City
There’s no single car insurance company offering the best coverage or the best price for Kansas City car insurance.
Your insurance costs are based on your unique driving profile, which includes everything from demographic info to your driving history and even your credit score. Plus, each insurer has its own algorithm for using drivers’ information to calculate insurance premiums, so the cheapest car insurance company for you may be the most expensive for another driver.
That’s why it’s so important to compare car insurance quotes before you make a selection. But it’s also helpful to know where to start—that’s why Jerry conducted the largest insurance carrier survey in the US.
Industry giants like State Farm, GEICO, and Allstate may enjoy the biggest market share, but our survey shows that the following insurers are rated highest for cost satisfaction in Missouri:
- Gainsco
- Nationwide
- ROOT
- State Auto
- The General
The table below shows how drivers in Kansas City rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 4.1 | 3.5 | 4.4 |
| USAA | 4.3 | 3.7 | 4.8 | 4.3 |
| State Farm | 4.2 | 3.3 | 4.7 | 4.3 |
| Geico | 4.1 | 3.7 | 3.7 | 4.2 |
| Liberty Mutual | 3.9 | 3.2 | 3.7 | 3.8 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Kansas City
The very cheapest insurance for drivers in KCMO is state-minimum liability-only coverage—but this leaves you at risk for significant out-of-pocket costs and even lawsuits following an accident. That’s why insurance experts recommend at least upgrading your liability coverage limits and also purchasing physical damage protections for your own vehicle.
Cheap minimum liability insurance quotes in Kansas City
Missouri’s minimum car insurance requirements include the following coverage limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage (UMBI)
Do you need more than minimum coverage in Kansas City?
The short answer—yes. Though it costs more, increased liability limits and physical damage coverage are worth the added cost for almost every Kansas City driver.
Even a minor at-fault accident can quickly max out Missouri’s minimum liability requirements, leaving you at risk for lawsuits and massive unplanned out-of-pocket expenses. Plus, liability-only coverage offers no benefits to protect you in the event of vehicle theft, weather damage, or other such occurrences.
The bottom line: Kansas City, Missouri drivers need a full coverage policy that includes both comprehensive and collision insurance as well as increased liability limits of at least 50/100/50 or 100/300/100
Cheap full coverage car insurance quotes in Kansas City
When you choose full coverage, you’re choosing a policy that includes not only the state-mandated liability coverage limits but also comprehensive insurance and collision coverage.
- Comprehensive coverage pays for damages associated with things like severe weather, theft, and hitting an animal with your car.
- Collision coverage pays for damage caused by collisions with other vehicles or stationary objects.
If you’re leasing a vehicle or purchasing one with a car loan, your lender will require you to carry full coverage for the duration of your loan or lease. But even if your car is paid off, the added peace of mind and financial and legal protection is well worth the added expense.
Here are some examples of the great rates for full coverage policies Kansas City drivers have found by shopping with Jerry.
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Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | No | Bristol West | $387 | 21 | 64152 | Ford Escort Zx2 |
| State Minimum | Yes | Gainsco | $420 | 54 | 64155 | Nissan Murano Sv |
| State Minimum | No | National General | $118 | 44 | 64154 | Land Rover Range Rover Hse |
| State Minimum | No | Progressive | $161 | 33 | 64158 | Dodge Ram 1500 |
| State Minimum | Yes | Progressive | $211 | 53 | 64134 | Chevrolet Blazer Rs |
Rates can vary significantly from one provider to the next—that’s why comparison shopping is so important when it comes to finding competitive rates on car insurance.
Jerry, a licensed broker working with dozens of top-rated auto insurance companies, has created a free app drivers can use to quickly compare rates among providers in their area for free. Plus, Jerry’s team of over 100 licensed insurance agents is available to answer questions seven days a week.
Average cost of car insurance in Kansas City
Kansas City drivers pay around $216 per month or $2,591 per year for full coverage. Minimum liability policies average about $95 per month or $1,141 per year.
But remember, these are just averages. What you pay for insurance will depend not only on the provider you choose, but also on several highly-individualized factors, including your demographics, discount eligibility, and even your ZIP code.
Average cost of car insurance in Kansas City by zip code
Kansas City drivers know that not all parts of the city are the same—some areas are notorious for traffic congestion while others are infamous for their high crime rates. Living in these areas means you’re at greater risk of accidents, vandalism, theft, and other vehicle damage, which leads to higher average car insurance rates.
Car insurance quotes in Kansas City by rating factors
In addition to ZIP code, providers in and around Kansas City will use other factors to calculate your insurance premiums. These factors include:
- Your driving record and claims history: More tickets and insurance claims make you a higher risk to insure, which means higher premiums.
- Your demographics: Your age, gender, and marital status can all influence your insurance costs.
- Your mileage: The more you drive, the more likely it is you’ll eventually be in a car accident, which means you’ll pay higher premiums.
- The make/model of your car: More expensive vehicles, like luxury cars and high-performance vehicles, typically cost more to repair or replace, which is why they’re often more expensive to insure.
Cheap car insurance quotes in Kansas City after driving violations
A primary rating factor impacting insurance costs in Kansas City is your Missouri driving record. Drivers with serious traffic offenses and/or at-fault accidents on their record are viewed as higher-risk policyholders that could cost a provider more money to insure than a safe driver with a clean record.
Some common violations that can lead to increased car insurance costs include:
- Speeding
- DUIs
- At-fault accidents
- Reckless driving
- Driving on a suspended license
- Driving without insurance
Cheapest car insurance in Kansas City after speeding ticket
In Missouri, car insurance costs can increase as much as 17% or more following a speeding ticket. But Jerry has successfully helped hundreds of Kansas City drivers find affordable rates even after a ticket or two.
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Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding 1-5 | Bristol West | $387 | 21 | 64152 | Ford Escort Zx2 | State Minimum | No |
| Speeding 1-5 | Progressive | $131 | 28 | 64124 | Jeep Patriot Latitude | State Minimum | Yes |
| Speeding 1-5 | National General | $128 | 60 | 64133 | Freightliner Sprinter | State Minimum | No |
| Speeding Violation-Major | Progressive | $169 | 27 | 64105 | Ford Escape Se | State Minimum | Yes |
| Speeding Violation-Minor | Progressive | $102 | 24 | 64118 | Jeep Wrangler Sport | State Minimum | No |
Cheapest car insurance in Kansas City after DUI
A DUI is a serious offense no matter which state you’re driving in, so it’s no surprise that a DUI conviction will raise your rates significantly for at least a few years. In fact, the high-risk associated with insuring drivers convicted of DUI leads some providers to deny them coverage altogether.
Cheapest car insurance in Kansas City after an at-fault accident
At-fault accidents on your record can be just as bad, if not worse, than tickets. Not only do they represent increased risk, but they also provide proof that insuring you has led to claims payouts and could again.
If you have even one at-fault accident on your record, you should expect higher rates than drivers with none. But as with other cost-increasing issues, Jerry can still help you find affordable coverage.
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Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Bristol West | $387 | 21 | 64152 | Ford Escort Zx2 | State Minimum | No |
| Not At Fault | National General | $118 | 44 | 64154 | Land Rover Range Rover Hse | State Minimum | No |
| Not At Fault | Progressive | $161 | 33 | 64158 | Dodge Ram 1500 | State Minimum | No |
| At Fault With No Injury | Bristol West | $199 | 31 | 64118 | Honda Pilot Exl | 50/100 | Yes |
| At Fault With No Injury | Clearcover | $182 | 30 | 64105 | Jeep Compass Latitude | 50/100 | Yes |
Cheapest car insurance in Kansas City after other driving violations
Of course, DUIs, speeding tickets, and at-fault accidents aren’t the only moving violations that can lead to increased insurance premiums in Kansas City. Other offenses, such as reckless driving, driving on a suspended license and running a red light can also affect your insurance costs.
Take a look at the table below to see how these and other common moving violations can affect your insurance rates.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Driving on Sus. License | National General | $167 | 35 | 64111 | Toyota Camry Ce | 50/100 | No |
| Failure to Obey Signal | National General | $127 | 31 | 64118 | Toyota Camry | State Minimum | Yes |
| Wrong Way/Wrong Lane | The General | $314 | 27 | 64152 | Kia Soul ! | State Minimum | No |
| Other Minor | The General | $187 | 34 | 64130 | Kia Optima Ex | State Minimum | No |
| Suspension | Bristol West | $356 | 46 | 64128 | Ford Escape Xls | State Minimum | No |
Cheap car insurance quotes in Kansas City by age
Young and inexperienced drivers pay more for insurance than any other drivers based on the national average. Specifically, drivers aged 16 to 19 should expect higher auto insurance premiums than any other age group.
Once you hit 25, you should expect to see your rates steadily decrease over time—assuming you keep a clean record and solid insurance history. This decrease in insurance costs should continue through your forties and fifties, with middle-aged drivers enjoying the cheapest auto insurance thanks to years of experience and long insurance histories.
Around age 75, the risk associated with slowing reflexes and increased risk of injury can result in a slight rate increase.
Cheapest car insurance in Kansas City for young drivers
Elevated insurance rates for new and teen drivers are mostly due to their limited driving experience. This lack of experience leads to increased risk of accidents, and increased car insurance premiums.
If you or your child is a novice driver hitting the road, it might be tempting to forego full coverage in order to save money, but this is ill-advised. Inexperienced drivers, especially, need the added protections of increased liability limits and physical damage coverage for their cars.
Jerry specializes in assisting inexperienced and teen drivers in locating the most affordable options for coverage.
Learn more: The best cheap car insurance for teen drivers
Cheapest car insurance in Kansas City for senior drivers
Senior drivers, especially those aged 75 and over, may see an increase in their rates for two reasons:
- As drivers age, response-time slows, leading to increased risk of accidents.
- Accidents involving senior drivers typically result in more severe injuries and increased medical expenses.
Learn more: The best car insurance for seniors
Cheap car insurance quotes in Kansas City based on insurance history
Your insurance history, like your driving history, is a significant rating factor for insurers. Specifically, insurers are looking for a long, unbroken history marked by a low instance of claims.
A short insurance history or one broken by periodic lapses in coverage can lead to increased auto insurance rates. Take a look at the quotes assembled below to see how currently-insured drivers usually pay less for coverage than those not currently insured.
Cheap car insurance quotes in Kansas City for drivers with poor credit
Missouri is one of 46 states that allow insurers to use your credit score as a determining factor in calculating your insurance premiums. Since providers have seen a correlation between poor credit scores and high instances of claims filing, those with good credit are more likely to see the most competitive rates.
Based on our data, drivers with credit scores below 550 typically pay about 20% more for car insurance than drivers with credit histories rated 750 or higher.
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Credit Range
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | Bristol West | $387 | 21 | 64152 | Ford Escort Zx2 | State Minimum | No |
| 550-659 | Gainsco | $420 | 54 | 64155 | Nissan Murano Sv | State Minimum | Yes |
| 550-659 | National General | $118 | 44 | 64154 | Land Rover Range Rover Hse | State Minimum | No |
| 550-659 | Progressive | $161 | 33 | 64158 | Dodge Ram 1500 | State Minimum | No |
| <550 | Progressive | $211 | 53 | 64134 | Chevrolet Blazer Rs | State Minimum | Yes |
Cheap car insurance quotes in Kansas City for popular cars
Of course, the type of vehicle you drive also plays a part in the amount you pay for auto insurance coverage. Your vehicle type can affect the costs of repairs and replacement, and it can also affect the likelihood of theft and overall safety of the vehicle.
Missouri’s most popular cars include:
- Toyota Camry
- Chevrolet Equinox
- Honda Accord
- Ford F-150
- Toyota Corolla
Learn more: How to get car insurance before buying a car
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Ford F-150 | National General | $303 | 30 | 64123 | State Minimum | Yes |
| Chevrolet Equinox Lt | The General | $531 | 31 | 64133 | State Minimum | Yes |
| Toyota Camry Ce | National General | $167 | 35 | 64111 | 50/100 | No |
| Chevrolet Equinox Ls | Progressive | $166 | 38 | 64134 | State Minimum | No |
| Toyota Camry | Bristol West | $211 | 33 | 64118 | State Minimum | Yes |
How to lower car insurance costs in Kansas City
1. Shop around and compare quotes
Each car insurance company uses its own formula to calculate premiums—and those formulas are updated regularly. To make sure you’re always paying the best rate for the coverage you need, insurance experts recommend shopping for new coverage every six months, and comparing quotes from at least three providers when you do.
If this sounds like a lot of work, we hear you—but Jerry makes it easy.
When you shop for and purchase coverage using the free Jerry app, you’ll get free quotes based on a comparison of offers from dozens of providers in under a minute. Plus, when you activate the app’s auto-reshop feature, we’ll automatically reshop your policy each time it comes up for renewal and alert you anytime a lower rate may be available.
2. Hunt for car insurance discounts
When you’re shopping for a car insurance policy, car insurance discounts should be a key factor in your selection criteria. All providers offer at least a few discounts, but here are a few of the most common to look out for:
- Good driver discounts. Insurance providers love a clean driving record since it signals low insurance risk and a decreased likelihood of claims payouts. That’s why drivers who avoid accidents or tickets for a certain period are often rewarded with discounts.
- Telematics discounts. Allowing your provider to track your driving habits with a telematics app or device can lead to big savings. Some insurers offer a discount just signing up, but you can expect the biggest savings from driving well during the test period.
- Good student discounts. Providers often offer discounts to full-time students who maintain a B average or better, making those otherwise high young-driver policies more affordable.
- Bundling discounts. Most providers offer discounts to drivers who purchase more than one type of coverage from them. Be sure to look for bundling discounts if you purchase homeowners insurance or renters insurance and auto coverage from the same insurance company.
3. Increase your deductible for comprehensive and collision coverage
When you select a higher deductible, you shoulder more of the cost associated with your vehicle repairs and decrease the number of small claims you might file. As these both lead to savings for your insurer, you can expect lower premiums with a higher deductible.
Just be sure you select an amount you can comfortably afford in the event of an accident.
FAQ
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What is the best car insurance in Kansas City?
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Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
