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Cheapest car insurance in Kansas City, Missouri (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Kansas City, Missouri.
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Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by R.E. Fulton, Licensed Insurance Agent —Senior Content Writer

How to find the cheapest car insurance in Kansas City, Missouri

The average Kansas City car owner pays about $103 per month for minimum liability coverage, and around $159 monthly for full coverage insurance. This is about 8% less less than the Missouri state average.
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 companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$88
Mario, 31
Zip: 64117
Honda Odyssey EXL
• State Minimum Liability
Allstate
$237
Alberta, 30
Zip: 64116
Ford Mustang
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$86
Dennis, 30
Zip: 64154
Ford Escape SE
• 100,000/300,000 Liability
• Comp / Collision
AAA
$108
Eva, 24
Zip: 64108
Hyundai Elantra SE
• State Minimum Liability
• Comp / Collision
State Auto
$325
Juan, 37
Zip: 64131
Jeep Cherokee Latitude Plus
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 12, 2024

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:
The table below shows how drivers in Kansas City rate different companies on a scale of 0 to 5.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.1
3.9
3.4
4.1
Geico
3.8
3.6
3.7
4.2
Liberty Mutual
3.8
2.5
N/A
3
USAA
3.7
3.8
N/A
4.4
State Farm
3
2.8
N/A
3.6
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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:
Here are some examples of quotes Kansas City car owners have found shopping with Jerry:
card cover
Mario (31 years old)
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64117)
$88
per month
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Barry (31 years old)
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64109)
$64
per month
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Arthur (62 years old)
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64131)
carChrysler Town & Country Touring L
$97
per month
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Luella (37 years old)
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64129)
$176
per month
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Chase (25 years old)
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64110)
$138
per month

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.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$104
Nathaniel, 56
Zip: 64157
Toyota Highlander Platinum
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$86
Dennis, 30
Zip: 64154
Ford Escape SE
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$114
Dora, 27
Zip: 64118
Ford Escape Titanium
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$237
Alberta, 30
Zip: 64116
Ford Mustang
• State Minimum Liability
• Comp / Collision
Bristol West
$433
Curtis, 25
Zip: 64128
Jeep Wrangler Unlimited Sahara
coverageLast Updated Apr 10, 2024
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.
Lower my car insurance too!

Average cost of car insurance in Kansas City

Kansas City drivers pay around $159 per month or $1,911 per year for full coverage. Minimum liability policies average about $103 per month or $1,232 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.
To see how your ZIP code could affect your Kansas City insurance rates, check out the table below.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
64109
$92
$188
64110
$72
$155
64111
$74
$136
64114
$69
$135
64116
$63
$174
64117
$62
$122
64124
$91
$235
64127
$106
$244
64128
$97
$159
64129
$88
$286
64130
$83
$213
64131
$68
$155
64132
$84
$252
64133
$71
$210
64134
$95
$158
64137
$59
$257
64138
$64
$163
64151
$74
$197
64152
$81
$109
64155
$69
$117

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.

How do different factors impact your car insurance costs in Kansas City?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Missouri currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Kansas City:

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:

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.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$163
Josephine, 26
Zip: 64118
Ford Taurus SEL
• State Minimum Liability
Speeding 11-15
Allstate
$169
Charlie, 32
Zip: 64134
Volkswagen Jetta S
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
Safeco
$213
Iva, 25
Zip: 64118
KIA Optima LX
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 13, 2024

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.
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Clifford (36 years old)
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64102)
carNissan Maxima S
$135
per month
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Alvin (32 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationKansas City, MO
(Zip Code: 64114)
$66
per month
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Gainsco
Fanny (42 years old)
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64127)
$121
per month
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Clearcover
Augusta (33 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationKansas City, MO
(Zip Code: 64105)
$182
per month

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.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$78
Walter, 50
Zip: 64127
KIA Forte LX
• State Minimum Liability
At Fault With No Injury
Travelers
$171
Winifred, 37
Zip: 64151
Infiniti QX60
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Safeco
$200
Hallie, 32
Zip: 64112
Tesla Model Y
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$176
Sadie, 26
Zip: 64151
Jeep Grand Cherokee Limited
• 250,000/500,000 Liability
• Comp / Collision
coverageLast Updated Apr 11, 2024

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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$98
Keith, 29
Zip: 64118
Toyota RAV4 Limited
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Nationwide
$147
Isabella, 25
Zip: 64109
Ford F250
• State Minimum Liability
• Comp / Collision
Cell Phone
Progressive
$226
Ida, 28
Zip: 64134
GMC Sierra K1500 SLT
• State Minimum Liability
• Comp / Collision
Careless Driving
Clearcover
$71
Manuel, 34
Zip: 64108
Honda Accord EX
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Safeco
$151
Rebecca, 49
Zip: 64126
GMC Yukon Denali
• 100,000/300,000 Liability
• Comp / Collision
Failure to Obey Signal
Allstate
$127
Lina, 25
Zip: 64109
Ford F250
• State Minimum Liability
• Comp / Collision
Improper Passing
Bristol West
$168
Bernard, 50
Zip: 64118
Chevrolet Silverado K2500 Heavy Duty LT
• State Minimum Liability
coverageLast Updated Apr 13, 2024

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, as you can see in the affordable rates listed below.
card cover
Martha (23 years old)
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64101)
$119
per month
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Eva (24 years old)
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64108)
$108
per month
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Gussie (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationKansas City, MO
(Zip Code: 64118)
$185
per month
card cover
Edward (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationKansas City, MO
(Zip Code: 64110)
$100
per month
card cover
Clearcover
Mollie (24 years old)
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64151)
$176
per month

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
To see how this increase plays out in real quotes, take a look at those collected below:
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Mitchell (69 years old)
coverageCoverage
250,000 per person
500,000 per accident bodily injury
Comp / Collision
locationKansas City, MO
(Zip Code: 64118)
$92
per month
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Robert (66 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationKansas City, MO
(Zip Code: 64133)
$122
per month
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Nettie (66 years old)
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64138)
$152
per month
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Nellie (100 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationKansas City, MO
(Zip Code: 64120)
carNissan Altima S
$176
per month

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.
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Jean (31 years old)
Currently Insured
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64117)
$88
per month
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Ruby (30 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationKansas City, MO
(Zip Code: 64154)
$86
per month
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Curtis (25 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationKansas City, MO
(Zip Code: 64108)
$79
per month
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Cora (24 years old)
Currently Insured
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64108)
$108
per month
card cover
Frederick (25 years old)
Currently Insured
coverageCoverage
State Minimum
locationKansas City, MO
(Zip Code: 64110)
$138
per month

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.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$151
Lily, 47
Zip: 64111
Toyota Camry L
• 250,000/500,000 Liability
• Comp / Collision
660 - 750
Allstate
$176
Daisy, 26
Zip: 64151
Jeep Grand Cherokee Limited
• 250,000/500,000 Liability
• Comp / Collision
660 - 750
Safeco
$200
Hallie, 32
Zip: 64112
Tesla Model Y
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
Travelers
$146
Joseph, 33
Zip: 64111
Honda Civic EX
• 100,000/300,000 Liability
• Comp / Collision
< 550
Gainsco
$185
Christine, 39
Zip: 64154
BMW X3 xDrive28i
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 10, 2024

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

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. AAA, Nationwide, and Liberty Mutual receive good ratings from Kansas City drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Based on thousands of Kansas City drivers Jerry has worked with, car insurance in Kansas City costs an average of $103 per month for state-minimum coverage and $159 per month for full coverage.
Missouri’s minimum car insurance requirements
include the following coverage limits for your Kansas City auto insurance policy:

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
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.
avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*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.