Cheapest and Best Car Insurance in Kansas City, KS (2024)


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In Kansas City, Kansas, Auto-Owners offers the cheapest minimum coverage car insurance. It is also the best overall in terms of price and service, addressing diverse preferences and coverage needs. American Family has the most affordable full coverage policy. Nationwide is the most cost-effective option for families with teens.

Key Takeaways

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In Kansas City, Kansas, Auto-Owners offers the cheapest minimum coverage car insurance at $418 per year, providing significant potential savings of $1,033 when compared to Dairyland's most expensive option at $1,451 per year, highlighting the importance of comparing providers to reduce car insurance costs.

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In Kansas City, the most affordable full coverage car insurance premium by American Family is $910 per year, while the most expensive by Dairyland is $3,227 annually, indicating a potential savings of $2,317, highlighting the significant financial benefits of comparing insurance rates before purchasing a policy.

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In Kansas City, military drivers seeking affordable full coverage car insurance will find USAA offers the most cost-effective option at $778 per year, ahead of American Family at $910 per year, illustrating the importance of considering specialized providers for military backgrounds to optimize value and service.

Why Trust MoneyGeek? We analyzed 49,812 quotes in Kansas from 14 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Kansas City insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Kansas City, KS, as of July 2024.

49,812Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Coverage Car Insurance in Kansas City

MoneyGeek found that Auto-Owners is the cheapest car insurance option in Kansas City for minimum coverage car insurance.

  • Auto-Owners: $418 per year
  • Travelers: $480 per year

Dairyland offers the most expensive minimum coverage policy in Kansas City, costing an average of $1,451 per year. The difference of $1,033 between the cheapest and most costly options underscores the importance of comparing rates to save on car insurance costs.

Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Minimum Coverage
Auto-Owners Insurance Co$418$35
Travelers$480$40
American Family$521$43
Iowa Farm Bureau$532$44
State Farm$603$50
Farmers$614$51
GEICO$625$52
Farmers Union Insurance$638$53
Progressive$643$54
Nationwide$659$55
Shelter$729$61
Allstate$1,099$92
Dairyland$1,451$121

State Minimum Liability Requirements

For all cities in Kansas, state law mandates the minimums for car insurance coverage:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist bodily injury per person
  • $50,000 uninsured motorist bodily injury per accident
  • $4,500 personal injury protection (PIP) per person

If you have minimum coverage and are at fault in an accident, the policy pays up to $25,000 for an individual's bodily injuries. However, if their expenses exceed this figure, the additional costs would come out of your pocket.

Cheapest Full Coverage Car Insurance in Kansas City

MoneyGeek found that American Family offers the cheapest full coverage car insurance in Kansas City. These are the top two providers:

  • American Family: $910 per year
  • Auto-Owners: $1,025 per year

Dairyland has the most expensive full coverage policy in Kansas City at $3,227 per year — $2,317 more than American Family’s premium. This large gap in pricing highlights the need to shop around for car insurance, as full coverage policies usually cost more due to the comprehensive protection they offer.

Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
American Family$910$76
Auto-Owners Insurance Co$1,025$85
Travelers$1,030$86
Nationwide$1,199$100
Farmers$1,338$111
Shelter$1,409$117
GEICO$1,436$120
State Farm$1,563$130
Iowa Farm Bureau$1,580$132
Progressive$1,811$151
Farmers Union Insurance$1,843$154
Allstate$2,006$167
Dairyland$3,227$269

Do You Need Full Coverage in Kansas?

Full coverage policies include two key components: comprehensive coverage and collision coverage.

  • Collision Coverage: This safeguards your automobile against damages incurred during impacts with another vehicle or stationary objects like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Coverage: This steps in to handle repair costs for damage to your car from non-collision related incidents, including theft, extreme weather conditions, fires, vandalism or being struck by an animal.

Selecting full coverage car insurance is advised for new vehicles to protect your substantial investment. On the other hand, opting for this level of coverage for older vehicles might not be cost-effective due to the increased premium expenses. In determining how much car insurance you need, weigh the higher costs associated with extensive coverage against the risks of being underinsured.

Cheapest Car Insurance in Kansas City After a Driving Offense

MoneyGeek found that the cheapest company for drivers with a poor driving record depends on the type of infraction.

  • Speeding Ticket: American Family ($1,091 per year)
  • At-Fault Accident: American Family ($910 per year)
  • DUI: Auto-Owners ($1,091 per year)

Dairyland has the most expensive rates for drivers with a speeding ticket and an at-fault accident, at $4,044 and $4,548 per year, respectively. GEICO is the most costly for those with a DUI, costing $4,717 per year. These rate differences show how infractions can significantly influence car insurance rates.

Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
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Incident:Speeding
American Family$1,091$91
Travelers$1,404$117
Nationwide$1,425$119
Auto-Owners Insurance Co$1,540$128
GEICO$1,704$142
State Farm$1,727$144
Farmers$1,762$147
Shelter$1,814$151
Iowa Farm Bureau$1,986$165
Allstate$2,280$190
Progressive$2,303$192
Farmers Union Insurance$2,511$209
Dairyland$4,044$337

In Kansas City and other locales, insurance premiums escalate with the severity of a driving infraction because insurers view more serious offenses as indicative of higher risk. For instance, drivers with a speeding ticket face an average annual insurance rate of $2,710, while those with a DUI face significantly higher rates at around $3,583 per year. This contrast underscores the importance for individuals with driving offenses to diligently compare insurance rates, as finding the most competitive premiums can lead to substantial savings.

Cheapest Car Insurance in Kansas City for Teens and Their Families

MoneyGeek found that Nationwide offers the cheapest car insurance for teens in Kansas City.

  • Nationwide: $1,175 per year for female teens and $1,272 per year for male teens
  • Travelers: $2,160 per year for female teens and $2,662 per year for male teens

These rates are for a policy that covers two parents and a teenage driver. Allstate has the most expensive policy for female teens in Kansas City at $3,652 per year. The substantial rate difference of $2,477 between the cheapest and most costly options highlights why consumers should compare prices, especially when adding a higher-risk teen driver to their policy.

Data filtered by:Results filtered by:
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Age:16
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Gender:Female
Nationwide$1,175$2,191
Travelers$2,160$4,166
State Farm$2,430$2,979
Farmers$2,804$6,476
Auto-Owners Insurance Co$3,015$3,051
Progressive$3,228$7,380
GEICO$3,337$5,696
Allstate$3,652$11,386

In Kansas City, the difference in car insurance premiums for teens is striking. Teens purchasing individual policies face an average annual premium of $6,309, significantly higher than the average of $3,120 per year if added to a family plan. Insurers justify these rates due to the higher risks associated with insuring inexperienced, young drivers who statistically are more likely to be involved in accidents. The steep costs and elevated risk factors make it challenging for teens to secure individual policies, showcasing the benefits of a joint family insurance plan for affordability and insurability.

Cheapest Car Insurance in Kansas City for Military Drivers

MoneyGeek found that USAA offers the cheapest car insurance for military backgrounds in Kansas City. These two providers offer the lowest annual premiums:

  • USAA: $778 per year
  • American Family: $910 per year

USAA tailors its services to meet the needs of active duty military members. This makes it a compelling choice for those with military connections seeking both affordability and military-focused service support.

Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:Full Coverage
USAA$778$65
American Family$910$76
Auto-Owners Insurance Co$1,025$85
Travelers$1,030$86
Nationwide$1,199$100
Farmers$1,338$111
Shelter$1,409$117
GEICO$1,436$120
State Farm$1,563$130
Iowa Farm Bureau$1,580$132
Progressive$1,811$151
Farmers Union Insurance$1,843$154
Allstate$2,006$167
Dairyland$3,227$269

How to Compare Cheap Kansas City Car Insurance Quotes Online

In Kansas City, comparison shopping is key to finding the most cost-effective car insurance. However, evaluating at least three companies can take over an hour.

MoneyGeek's car insurance calculator streamlines this process. Users receive tailored rate estimates by inputting essential details such as age, driving record, credit score and coverage preferences.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Dec 24, 2024

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Best Car Insurance in Kansas City: Overview

Finding the best auto insurance hinges on your priorities, including service, cost and coverage. MoneyGeek's scoring applied distinct metrics for each category and found that Auto-Owners is the top insurer for various needs.

  • Best overall: Auto-Owners (Score: 82 out of 100)
  • Best for service: Auto-Owners (Score: 78 out of 100)
  • Best cheap: Auto-Owners (Score: 88 out of 100)

Auto-Owners secures the top rank in all three categories and is Kansas City's leading option for overall value, exemplary service and affordability. Customers keen on the finest balance between cost and service quality will find unrivaled value in this provider.

Overall Best Car Insurance in Kansas City

MoneyGeek found that Auto-Owners is the leading provider provider, offering the best car insurance in Kansas City.

  • Auto-Owners: MoneyGeek score of 82 out of 100 ($1,025 per year)
  • American Family: MoneyGeek score of 81 out of 100 ($910 per year)

Auto-Owners distinguishes itself with a strong combination of high customer satisfaction and claims ratings that contribute significantly to its MoneyGeek score. Its scores indicate its effectiveness in catering to clients' full coverage policy needs. As the top-rated insurer, Auto-owners offers a well-rounded package bolstered by these key factors.

Company logo for Auto-Owners Insurance
Best OverallAuto-Owners Insurance
MoneyGeek Score:
82/ of 100

Overview

Auto-Owners garners a high MoneyGeek score chiefly due to its strong affordability and claims handling scores. This company includes both common coverages: roadside assistance and rental car and/or travel reimbursement. It also offers accident forgiveness and gap insurance, reinforcing its status as a strong insurance option despite some lacking coverages.

Auto-Owners distinguishes itself with a unique coverage package. Its Personal Automobile Plus Package is designed to simplify life with over ten distinctive coverages in one bundle, making it valuable for drivers seeking comprehensive protection. Another rare coverage is diminished value coverage, which is essential for protecting the investment in a newer car that might suffer value losses after an accident. Deductible modification is an innovative option that erases your collision deductible if you're hit by another vehicle insured by Auto-Owners, providing peace of mind and cost savings after an unforeseen incident.

Best Car Insurance in Kansas City for Customer Service

MoneyGeek found that Auto-Owners is the top car insurance provider in Kansas City in terms of customer service. This thorough assessment considers overall satisfaction, efficiency in claims handling and the breadth of coverages offered by the insurer, regardless of rates.

  • Auto-Owners: MoneyGeek score of 78 out of 100 ($1,025 per year)
  • American Family: MoneyGeek score of 75 out of 100 ($910 per year)

Auto-Owners is the leading car insurance provider in Kansas City based on its unparalleled claims handling and high stability in the industry. These factors contribute significantly to its strong MoneyGeek score. This company demonstrates an excellent balance of customer service quality and comprehensive insurance offerings, ensuring peace of mind for its policyholders.

Company logo for Auto-Owners Insurance
Best for Customer ServiceAuto-Owners Insurance
MoneyGeek Score:
78/ of 100

Overview

With notable satisfaction and claims scores, the Auto-Owners' high MoneyGeek score is well-founded. The company offers both rental car and/or travel reimbursement and roadside assistance, making it a solid choice with essential common coverages. Services like gap insurance attest to the provider's dedication to providing common coverages.

Auto-Owners coverages are valuable for many drivers. Roadside assistance ensures help is readily available for incidents such as lockouts or empty fuel tanks. Rental car and/or travel reimbursement is invaluable for maintaining mobility when your vehicle is incapacitated due to a covered accident. Diminished value coverage protects your vehicle's value after an accident and potentially provides significant financial benefits. Auto-Owners' top performance in customer claims handling and satisfaction indicates a commitment to customer service, financial stability and comprehensive coverage options.

Best Cheap Car Insurance in Kansas City

MoneyGeek found that Auto-Owners is the best option in Kansas City for those seeking affordable car insurance without sacrificing quality service. This provider tops the list for cheap car insurance and balances cost efficiency with customer satisfaction and claims handling.

  • Auto-Owners: MoneyGeek score of 88 out of 100 ($418 per year)
  • American Family: MoneyGeek score of 81 out of 100 ($521 per year)

Auto-Owners' leading position is primarily due to its affordability and claims service. Its MoneyGeek score reflects strong performance across several factors, particularly for a minimum coverage policy. With the highest affordability and claims handling scores, Auto-Owners offers Kansas City drivers excellent value for their car insurance dollar.

Company logo for Auto-Owners Insurance
Best Cheap CompanyAuto-Owners Insurance
MoneyGeek Score:
88/ of 100

Overview

Auto-Owners leads with perfect affordability and claims handling scores, making it an exceptional choice for cost-conscious and service-seeking customers. With an average annual premium of $418, users pay a minimal amount for minimum coverage.

Average Cost of Car Insurance in Kansas City

In Kansas City, Kansas, the average cost of car insurance is $1,520 per year, which is higher than the Kansas state average of $1,340. Compared to the national average of $1,781, Kansas's average cost is lower by $442, indicating more affordable car insurance options for residents of the Sunflower State.

Several factors influence car insurance rates, such as the driver's age, vehicle make and model, driving history and credit score. However, location is a significant factor due to variables like traffic density, crime rates and the frequency of natural disasters. In Kansas, Olathe has the cheapest premium at $1,269 per year, while Kansas City has the most expensive at $1,520. This range in premiums within the state underscores the importance of location. In less populated, non-city areas, premiums can even be lower due to reduced traffic density.

Kansas City$1,520
Olathe$1,269
Overland Park$1,325
Topeka$1,294
Wichita$1,412

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.