If you need to get around the Kansas City area, you’ll probably encounter complex interchanges, like the Downtown Loop, as well as the occasional hazardous weather event. Whether it’s the winter snow and ice, heavy rain and flash flooding, or the occasional tornado, there are no shortage of reasons to carry solid car insurance in Kansas City.
For better context on what to expect from car insurance pricing, we’ve rounded up real data from real Jerry customers in the city from a variety of demographics. This will show you how factors such as coverage needs, driving record and age will impact your insurance rate.
Cheapest minimum coverage insurance in Kansas City
Missouri requires the following coverages for all drivers in the state, including Kansas City residents:
- $25,000 per person for bodily injury.
- $50,000 per accident for bodily injury.
- $25,000 per accident for property coverage.
Drivers also need uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
These are some of the cheapest quotes for drivers in Kansas City, Missouri, based on real quotes from Jerry customers.
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|
$37 | $440 | Progressive | 54 | May 14, 2024 | Kansas City, MO | 64112 |
$40 | $476 | Progressive | 62 | November 26, 2023 | Kansas City, MO | 64133 |
$42 | $504 | Progressive | 39 | December 8, 2024 | Kansas City, MO | 64119 |
$46 | $548 | Progressive | 47 | November 16, 2024 | Kansas City, MO | 64151 |
$46 | $548 | Progressive | 59 | June 12, 2024 | Kansas City, MO | 64118 |
$52 | $618 | Progressive | 58 | February 7, 2025 | Kansas City, MO | 64124 |
$52 | $622 | National General | 28 | January 31, 2025 | Kansas City, MO | 64116 |
$54 | $651 | Clearcover | 83 | March 11, 2025 | Kansas City, MO | 64108 |
$56 | $666 | Progressive | 26 | January 28, 2025 | Kansas City, MO | 64151 |
$56 | $676 | Progressive | 65 | April 13, 2025 | Kansas City, MO | 64108 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Kansas City
Full coverage in Missouri includes state-mandated insurance and coverage for damage caused by weather, animal collisions and theft. Here are some real quotes for full coverage that Jerry customers in Kansas City, Missouri have received.
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|
$37 | $440 | Progressive | 54 | May 14, 2024 | Kansas City, MO | 64112 |
$77 | $918 | Progressive | 41 | January 21, 2025 | Kansas City, MO | 64123 |
$80 | $954 | Progressive | 53 | October 29, 2024 | Kansas City, MO | 64133 |
$80 | $964 | Progressive | 42 | February 27, 2025 | Kansas City, MO | 64152 |
$81 | $976 | Progressive | 64 | May 27, 2024 | Kansas City, MO | 64133 |
$83 | $1,000 | Progressive | 23 | January 8, 2025 | Kansas City, MO | 64119 |
$87 | $1,048 | Progressive | 40 | January 2, 2025 | Kansas City, MO | 64114 |
$88 | $1,050 | Bristol West | 65 | March 27, 2025 | Kansas City, MO | 64117 |
$93 | $1,110 | National General | 44 | March 14, 2025 | Kansas City, MO | 64106 |
$94 | $1,124 | Progressive | 72 | December 23, 2024 | Kansas City, MO | 64113 |
Cheapest car insurance for young drivers in Kansas City (18-29 years old)
Young drivers tend to pay higher premiums than older drivers, but that doesn’t preclude them from finding cheap coverage. These are some of the cheapest quotes for younger drivers in Kansas City, based on real quotes from Jerry customers.
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$52 | $622 | National General | 28 | No | January 31, 2025 | Kansas City, MO | 64116 |
$56 | $666 | Progressive | 26 | No | January 28, 2025 | Kansas City, MO | 64151 |
$76 | $916 | Progressive | 22 | No | December 12, 2024 | Kansas City, MO | 64117 |
$83 | $1,000 | Progressive | 23 | Yes | January 8, 2025 | Kansas City, MO | 64119 |
$86 | $1,030 | National General | 26 | No | February 12, 2025 | Kansas City, MO | 64153 |
Cheapest car insurance for mature drivers in Kansas City (30-54 years old)
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$37 | $440 | Progressive | 54 | Yes | May 14, 2024 | Kansas City, MO | 64112 |
$42 | $504 | Progressive | 39 | No | December 8, 2024 | Kansas City, MO | 64119 |
$46 | $548 | Progressive | 47 | No | November 16, 2024 | Kansas City, MO | 64151 |
$61 | $726 | Progressive | 34 | No | November 14, 2024 | Kansas City, MO | 64153 |
$65 | $782 | Progressive | 31 | No | April 10, 2025 | Kansas City, MO | 64151 |
Cheapest car insurance for older drivers (55+ years old)
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Has Full Coverage
|
Date of Policy
|
City, State
|
Age
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$40 | $476 | Progressive | No | November 26, 2023 | Kansas City, MO | 62 | 64133 |
$46 | $548 | Progressive | No | June 12, 2024 | Kansas City, MO | 59 | 64118 |
$52 | $618 | Progressive | No | February 7, 2025 | Kansas City, MO | 58 | 64124 |
$54 | $651 | Clearcover | No | March 11, 2025 | Kansas City, MO | 83 | 64108 |
$56 | $676 | Progressive | No | April 13, 2025 | Kansas City, MO | 65 | 64108 |
Cheapest car insurance for drivers with clean records in Kansas City
A pristine driving record generally gives you the best insurance quotes. Here are real quotes to Jerry in Kansas City with clean records.
Monthly Quote
|
Annual Quote
|
Age
|
Insurance Company
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$37 | $440 | 54 | Progressive | May 14, 2024 | Yes | Kansas City, MO | 64112 |
$40 | $476 | 62 | Progressive | November 26, 2023 | No | Kansas City, MO | 64133 |
$42 | $504 | 39 | Progressive | December 8, 2024 | No | Kansas City, MO | 64119 |
$46 | $548 | 59 | Progressive | June 12, 2024 | No | Kansas City, MO | 64118 |
$46 | $548 | 47 | Progressive | November 16, 2024 | No | Kansas City, MO | 64151 |
$52 | $618 | 58 | Progressive | February 7, 2025 | No | Kansas City, MO | 64124 |
$54 | $651 | 83 | Clearcover | March 11, 2025 | No | Kansas City, MO | 64108 |
$56 | $666 | 26 | Progressive | January 28, 2025 | No | Kansas City, MO | 64151 |
$63 | $750 | 64 | Progressive | February 15, 2025 | No | Kansas City, MO | 64116 |
$72 | $858 | 37 | Progressive | November 4, 2024 | No | Kansas City, MO | 64114 |
Cheapest car insurance for drivers with low credit scores in Kansas City
A low credit score of less than 550 often leads to higher rates, but it doesn’t necessarily mean you can’t find affordable coverage. Here are some of the cheapest quotes that Kansas City residents with low scores received via Jerry.
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
<550 | $52 | $618 | Progressive | 58 | February 7, 2025 | Kansas City, MO | 64124 |
<550 | $82 | $984 | Progressive | 34 | February 21, 2025 | Kansas City, MO | 64114 |
<550 | $85 | $1,022 | Progressive | 62 | February 28, 2025 | Kansas City, MO | 64119 |
<550 | $91 | $1,087 | Clearcover | 46 | April 8, 2025 | Kansas City, MO | 64154 |
<550 | $97 | $1,164 | Progressive | 33 | March 3, 2025 | Kansas City, MO | 64134 |
Cheapest car insurance for drivers with at-fault accidents in Kansas City
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|---|
At Fault With No Injury | $52 | $622 | National General | 28 | No | January 31, 2025 | Kansas City, MO | 64116 |
At Fault With No Injury | $65 | $782 | Progressive | 31 | No | April 10, 2025 | Kansas City, MO | 64151 |
At Fault With No Injury | $71 | $848 | National General | 59 | No | January 27, 2025 | Kansas City, MO | 64151 |
At Fault With No Injury | $82 | $984 | Progressive | 34 | No | February 21, 2025 | Kansas City, MO | 64114 |
At Fault With No Injury | $100 | $1,204 | Progressive | 38 | No | January 10, 2025 | Kansas City, MO | 64157 |
Cheapest car insurance for drivers with speeding tickets in Kansas City
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
Speeding under 15 | $61 | $726 | Progressive | 34 | November 14, 2024 | Kansas City, MO | 64153 |
Speeding under 15 | $91 | $1,086 | Progressive | 36 | April 7, 2024 | Kansas City, MO | 64123 |
Speeding under 15 | $93 | $1,110 | National General | 44 | March 14, 2025 | Kansas City, MO | 64106 |
Speeding under 15 | $93 | $1,114 | Gainsco | 28 | December 11, 2023 | Kansas City, MO | 64119 |
Speeding over 15 | $101 | $1,210 | Progressive | 30 | March 6, 2025 | Kansas City, MO | 64112 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.