Best Car Insurance Companies in Kansas City, MO

The best car insurance provider in Kansas City depends on your driver profile and insurance needs. American Family is MoneyGeek’s choice for the best overall company. American Family is also ideal for young adults, seniors and drivers with offenses.

Shelter has the best customer service, while Nationwide offers the best cheap insurance. GEICO is recommended for families with teens, and Travelers is the best option for drivers with new cars. If you prioritize savings, MoneyGeek also analyzed companies based on the cheapest car insurance in Kansas City.

The best car insurance companies in Kansas City are the following:

• American Family: MoneyGeek score 78 out of 100 ($1,188 per year)
• Travelers: MoneyGeek score 74 out of 100 ($1,216 per year)

American Family offers all essential coverage options, and it ranked second for claims management. USAA earned a MoneyGeek score of 85 out of 100, making it a top pick for military-affiliated drivers in Kansas City. For the best car insurance in Missouri on a statewide basis, the top provider is also American Family.

MoneyGeek analyzed 10 insurers in Kansas City to determine the best car insurance for the average driver looking for a full coverage policy. American Family outranked all other companies for having a perfect coverage score combined with high scores in the claims management and affordability categories. Note that MoneyGeek only scored insurers with enough data for all individual scoring components.

Regarding claims management, American Family ranked a close second to Shelter, which also ranked first in customer satisfaction. However, Shelter’s expensive policies pushed it down further in the rankings.

Excluding cost from our scoring system, the best companies for customer service in Kansas City are:

• Shelter: MoneyGeek score 68 out of 100 ($1,999 per year)
• American Family: MoneyGeek score 63 out of 100 ($1,188 per year)

Shelter earned the highest claims and satisfaction scores compared to the nine other companies evaluated — these are the most important categories when looking for the best customer service. This insurer, however, charges some of the highest premiums in Kansas City, indicating that you may need to pay a high price for the best service.

Good customer service in an insurance company means having responsive and efficient support. Shelter ranked the highest in claims handling compared to the nine other companies surveyed, meaning the company processes claims as smoothly and stress-free as possible. Shelter also ranked highest for customer satisfaction, making it an easy choice for the winner of this category.

Based on MoneyGeek’s analysis of affordability and service quality, the best companies in Kansas City for minimum coverage are:

• Nationwide: MoneyGeek score 77 out of 100 ($525 per year)
• Travelers: MoneyGeek score 75 out of 100 ($582 per year)

The above insurers are among the cheapest options in Kansas City for a minimum coverage policy, but a minimum policy may not have sufficient protection against liability costs. These policies also have no protection for damage to your vehicle if you are in an accident. The minimum car insurance requirements in Missouri are the same for all cities.

A good insurer for a minimum coverage policy should be able to provide adequate coverage and good service while keeping rates cheap. This makes it possible to get reliable service at an affordable price.

Nationwide is MoneyGeek’s top pick as the best cheap option because it has the most affordable minimum coverage policies in Kansas City. It also scored well for claims management and coverage options.

The best car insurance for young adults in Kansas City is from:

• American Family: MoneyGeek score 80 out of 100 ($1,263 per year)
• Travelers: MoneyGeek score 75 out of 100 ($1,402 per year)

American Family ranked second-highest for claims management and got a perfect coverage score. It is also the cheapest among all Kansas City insurance companies we reviewed for young adults.

Young adults should look for policies with low rates and discounts tailored to their unique needs and risks, such as safe driving, good student and driver’s education discounts.

Though other companies like Shelter, State Farm and GEICO perform better on customer satisfaction, American Family scored highest in coverage options and affordability compared to the nine other companies reviewed.

The best car insurance companies for teens on a family policy in Kansas City are:

• GEICO: MoneyGeek score 75 out of 100 ($1,835 per year)
• Travelers: MoneyGeek score 73 out of 100 ($3,373 per year)

GEICO offers the most affordable policies and ranks second for customer satisfaction. This makes GEICO an ideal option if you value service quality at an affordable price.

Teen drivers can typically save money by joining a family policy instead of buying an individual one. In Kansas City, buying a teen an individual policy costs an average of $3,902 more than adding them to a family policy.

For an insurance company to be considered the best for teens, it should provide adequate coverage, affordable rates and discounts specifically tailored to young drivers, like those for safe driving habits, good grades and driver’s education courses.

GEICO is MoneyGeek’s top pick for teen drivers enrolling on a family policy in Kansas City, thanks to the insurer’s affordability ratings and student-related discounts. While GEICO is the cheapest option for teens, runner-up Travelers outranks GEICO in terms of customer satisfaction, albeit with much higher prices.

Seniors looking for the best car insurance in Kansas City should consider the following companies:

• American Family: MoneyGeek score 77 out of 100 ($1,113 per year)
• Travelers: MoneyGeek score 74 out of 100 ($1,189 per year)

The best car insurance for seniors is American Family, which scored the highest for coverage and affordability out of the 10 companies analyzed. Drivers in their 30s through 60s usually pay similar rates. Rates typically increase for drivers once they reach their 70s, so shopping around for senior car insurance in Kansas City is beneficial if you prioritize affordability.

Drivers in their 60s are typically safe drivers but are also more susceptible to severe injuries if they get into an accident. The best car insurance for seniors should have personal injury protection (PIP) or medical payments coverage. The best insurers should also offer seniors different ways to save through discounts.

Although three companies outranked American Family regarding customer satisfaction, it earned a perfect score on coverage and ranked second in claims handling. It also ranked fourth for affordability.

The best companies in Kansas City for drivers with offenses are:

• American Family: MoneyGeek score 78 out of 100 ($1,408 per year)
• State Farm: MoneyGeek score 76 out of 100 ($1,290 per year)

American Family ranks second for affordability and offers all core coverage options, making it MoneyGeek’s pick for drivers with offenses. Drivers with poor driving records may pay significantly more for car insurance, and this cost increases with the severity of the driving offense.

For instance, drivers with tickets typically pay an additional $366 per year compared to those with clean records. Meanwhile, those with DUIs pay around $582 more annually.

Drivers with violations should look for affordable insurance policies from companies that have a good reputation for customer service. American Family won this category for having a perfect coverage score, an above-average satisfaction score and the second-highest score in claims handling among the companies we reviewed.

In Kansas City, the following auto insurance companies are the best choice for new car owners:

• Travelers: MoneyGeek score 76 out of 100 ($1,285 per year)
• Allstate: MoneyGeek score 70 out of 100 ($1,604 per year)

The scoring for this particular category is based on drivers who own a 2022 model car in Missouri. We also only ranked companies that offer new car replacement or better car replacement coverage — a type of coverage that replaces your vehicle with a new or better car after being totaled in a covered accident. Among the insurers that offer this particular coverage in Kansas City, Travelers ranked first, earning a perfect score in affordability and a relatively high score in coverage options.

For an insurance company to have good policies for new car owners, they should offer coverage that considers the car’s value and the potential for significant repair or replacement costs, such as a new car replacement. Travelers offers the cheapest policy among competitors in Kansas City. While Allstate has slightly superior customer satisfaction, its policies are more expensive than those from Travelers.

The best car insurance in Kansas City depends on your coverage needs and budget. These are two of the most common questions about car insurance in Kansas City.