Best Car Insurance in Kansas City 2021

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  • Real Quotes
  • Best Carriers
  • Minimum Coverage
  • Full Coverage
  • Cost by Age
  • Bad Driving Record
  • Young Drivers Bad Driving Record
  • Save Money
  • Cost by Zip Code
  • Methodology
Car insurance in Kansas City Missouri costs single-car drivers an average of $3,219 annually, or about $268 per month. Compared to the state annual average of $2,599, auto insurance in Kansas City is $620 higher.
Here’s how much real Jerry customers pay for insurance in Kansas City:

Real quotes for Jerry customers in Kansas City, Missouri

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
December 7, 2020BMW 328 Ic AutomaticMO47SafecoCustom$260/mo.$104/mo.
May 24, 2021Chrysler Town & Country LXMO26AllstateCustom$200/mo.$110/mo.
March 19, 2021Hyundai Elantra SEMO35KemperPreferred$237/mo.$172/mo.
August 10, 2021Mercedes-Benz C 300 4MaticMO20ClearCoverBasic$220/mo.$185/mo.
May 19, 2021Volkswagen Jetta ValueMO22State AutoCurrent$280/mo.$244/mo.
The best way to secure the right plan for lower premiums in Kansas City is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inKansas City have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Kansas City, Missouri

Insurance Company
Before Jerry
After Jerry
National General$1,560$1,376
State Auto$2,142$1,630
Allstate$2,866$1,826
Nationwide$2,694$1,859
Travelers$2,681$1,975
Safeco$2,891$2,075
Kemper$2,687$2,127

Minimum coverage car insurance in Kansas City

On average, the cost of minimum coverage car insurance in Kansas City is $2,376 per year, or $198 per month.

The minimum level of car insurance required in Kansas City is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Kansas City:
Before Jerry
After Jerry
$2,545$983
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Allstate$2,520$840
Progressive$3,439$2,221
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Full coverage car insurance in Kansas City

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Kansas City:
Before Jerry
After Jerry
$3,502$1,684
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Progressive$2,046$1,338
Travelers$4,200$1,898
Kemper$2,844$2,166
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How does your age affect your auto insurance cost in Kansas City?

If you’re a driver under 25 in Kansas City, you could be paying as much as $50 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Kansas City saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$4,278$2,753
21-24$3,686$2,780
On the contrary, here’s how much drivers aged 25 and over in Kansas City pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$3,428$2,136
35-44$3,332$2,301
45-54$2,660$1,634
55-64$1,776$1,128
65+$2,723$1,837

Cheapest car insurance for drivers in Kansas City with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Kansas City saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$2,734$1,443
Driving on Sus. License$1,766$756
Failure to Obey Traffic Sign$2,400$2,280
Speeding under 15$4,069$2,908
Other$6,000$4,644
Here’s how much drivers with a bad driving record in [Kansas City saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Safeco$2,688$1,542
Travelers$3,062$1,631
Kemper$2,844$2,166
Allstate$3,544$2,321
Progressive$3,116$2,347
Nationwide$3,324$2,377
State Auto$3,360$2,964

Cheapest car insurance for young drivers in Kansas City with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,971$2,036
Failure to Obey Traffic Sign$2,400$2,280
Speeding under 15$4,782$3,305
Other$6,000$4,644
Here’s how much young drivers with a bad driving record in [Kansas City saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Allstate$1,980$996
Nationwide$3,360$2,724
Progressive$3,781$2,909
State Auto$3,360$2,964
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How can you save money on car insurance in Kansas City

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Kansas City you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
December 7, 2020BMW 328 Ic AutomaticMO47SafecoCustom$260/mo.$104/mo.
May 24, 2021Chrysler Town & Country LXMO26AllstateCustom$200/mo.$110/mo.
July 30, 2021BMW 128 IMO23ProgressiveCurrent$150/mo.$73/mo.
March 19, 2021Hyundai Elantra SEMO35KemperPreferred$237/mo.$172/mo.
November 6, 2020Hyundai Elantra SEMO22NationwideCurrent$280/mo.$223/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.
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