Cheap Car Insurance in Kansas City, MO

Written by Xuyun Zeng and 2 others
Updated Nov 15, 2024
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Cheap Car Insurance in Kansas City, MO

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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
Last Updated Apr 17, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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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
Last Updated Apr 17, 2025

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
Last Updated Apr 17, 2025

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
Last Updated Apr 17, 2025

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
Last Updated Apr 17, 2025

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
Last Updated Apr 17, 2025

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
Last Updated Apr 17, 2025

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
Last Updated Apr 17, 2025

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
Last Updated Apr 17, 2025

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.