Updated: October 3, 2024
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Your needs and profile affect your insurance rates. In Kansas City, Nationwide has the cheapest rates for minimum coverage, full coverage, seniors, those with bad credit and drivers with tickets. GEICO is the cheapest for teens, American Family for young adults and sports cars, USAA for military families and State Farm for drivers with DUIs or at-fault accidents.
MoneyGeek also examined the best auto insurance in Kansas City for drivers seeking quality service and affordability.
CheapestCar InsuranceKansas CityCheapest Car Insurance in Kansas City, MO
Why Trust MoneyGeek? We found the most affordable auto insurance in Kansas City using recent data from the Missouri Department of Insurance and Quadrant Information Services.
The following companies offer the cheapest liability-only auto insurance coverage in Kansas City:
Kemper has the priciest average minimum coverage insurance at about $958 annually. Progressive offers the cheapest auto insurance in Missouri as of October 2022, averaging $457 per year. This disparity shows that finding the provider that gives the best deal can depend on your location.
| Nationwide | $525 | $44 |
| State Farm | $563 | $47 |
| Travelers | $582 | $49 |
| Progressive | $642 | $53 |
| American Family | $698 | $58 |
| Allstate | $702 | $59 |
| GEICO | $836 | $70 |
| Shelter | $882 | $74 |
| AAA | $947 | $79 |
| Kemper | $958 | $80 |
Minimum liability coverage requirements vary by state. In Missouri, the following limits are required for drivers:
The state liability-only insurance covers third-party bodily injury responsibility and property damage sustained in an accident. Missouri also mandates uninsured motorist coverage.
Considering Missouri's minimum coverage requirements, you may anticipate your Kansas City insurance carrier to pay a limit of $25,000 per bodily injury to a third party and up to $50,000 per accident. You will pay any extra expenditures out of your own pocket.
The insurance companies in Kansas City offering the cheapest full coverage auto insurance are:
Kemper is the most costly alternative, averaging $2,743 for full coverage insurance.
American Family is the most affordable provider of full coverage car insurance in Missouri, with yearly rates of around $994. This figure is lower than the cheapest rates for drivers in Kansas City, which proves that location plays a role in determining insurance premiums.
| Nationwide | $1,042 | $87 |
| Allstate | $1,132 | $94 |
| American Family | $1,188 | $99 |
| State Farm | $1,195 | $100 |
| Travelers | $1,216 | $101 |
| Progressive | $1,857 | $155 |
| GEICO | $1,859 | $155 |
| Shelter | $1,999 | $167 |
| AAA | $2,021 | $168 |
| Kemper | $2,743 | $229 |
Full coverage insurance has higher liability limits in addition to collision and comprehensive coverage.
Full coverage insurance may not be worth it for older automobiles since you could spend hundreds more yearly for a vehicle that may not be worth much.
For those with traffic infractions, the cheapest full coverage auto insurance companies in Kansas City are:
For DUI drivers, GEICO quotes the highest rates ($3,246), while Kemper offers the highest quote after speeding ($3,215) and after an at-fault accident ($3,895). Your driving record can substantially impact your car insurance premiums. Even the cheapest insurer will charge higher rates for poor driving records.
| Nationwide | $1,281 | $107 |
| State Farm | $1,290 | $108 |
| Allstate | $1,311 | $109 |
| American Family | $1,408 | $117 |
| Travelers | $1,566 | $131 |
| GEICO | $2,197 | $183 |
| Progressive | $2,306 | $192 |
| Shelter | $2,584 | $215 |
| AAA | $2,754 | $230 |
| Kemper | $3,215 | $268 |
The severity of a driving offense can impact how much your premium increases. Drivers in Kansas City found guilty of DUI are projected to pay $216 more for insurance than those who receive a speeding citation. There are still options for finding cheap auto insurance with a poor driving record.
The most affordable providers for teens added to their parent’s policy in Kansas City are:
With Kemper, you pay the highest prices in Kansas City, averaging $12,019 for males and $9,621 for females.
The cheapest provider, GEICO, costs males around $105 more than females. Given the greater risk they carry, it is usually more expensive to insure male teens than female teens. This difference narrows in early adulthood.
| GEICO | $1,732 | $15,019 |
| Nationwide | $2,288 | $6,270 |
| Allstate | $2,341 | $9,192 |
| Travelers | $2,680 | $7,647 |
| State Farm | $3,129 | $5,948 |
| Progressive | $4,779 | $11,287 |
| Kemper | $9,621 | $21,971 |
Adding a young driver to an existing family policy is less expensive than purchasing their own insurance. Using rates from Kansas City as an example, the individual insurance cost for a male teenager getting his own plan is around $3,902 more than if he were added to an existing family policy. You can save money by comparing the cheapest rates for adding teenagers to a family insurance policy.
Active duty military members, veterans and their families in Kansas City may get the cheapest military car insurance from the following companies:
These are the prices of insurance with full coverage. If you need the state minimum coverage, USAA is still the cheapest option, costing an average of $178 per year. Nationwide ranks second at an average of $525 per year.
| USAA | $520 | $43 |
| Nationwide | $1,042 | $87 |
| Allstate | $1,132 | $94 |
| American Family | $1,188 | $99 |
| State Farm | $1,195 | $100 |
| Travelers | $1,216 | $101 |
| Progressive | $1,857 | $155 |
| GEICO | $1,859 | $155 |
| Shelter | $1,999 | $167 |
| AAA | $2,021 | $168 |
| Kemper | $2,743 | $229 |
Getting car insurance quotes online can be time-consuming. As part of the process, you might be asked for personal information, and it may take up to 15 minutes to receive insurance quotations from a single firm.
By entering basic information such as your age, car model, coverage requirement and driving record, MoneyGeek's auto insurance calculator will quickly estimate your auto insurance premiums from many providers.
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.
Rates updated:
Nov 20, 2024
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In Kansas City, the cheapest auto insurance policies for young drivers are from the following companies:
For young drivers in Kansas City, Kemper has the most expensive insurance options, with an average annual premium of $3,244. Compared to drivers in their 40s, the city’s drivers in their 20s pay around $381 more yearly for auto insurance.
| American Family | $1,263 | $105 |
| Nationwide | $1,377 | $115 |
| Allstate | $1,392 | $116 |
| Travelers | $1,402 | $117 |
| State Farm | $1,469 | $122 |
| GEICO | $2,067 | $172 |
| Progressive | $2,196 | $183 |
| AAA | $2,579 | $215 |
| Shelter | $3,076 | $256 |
| Kemper | $3,244 | $270 |
The following are the cheapest car insurance companies for senior drivers in Kansas City:
Kemper is the most expensive insurer in this category, charging approximately $2,665 yearly for senior insurance. Seniors in the city save an average of $116 annually on auto insurance compared to drivers in their 40s. The cost of premiums usually rises after age 65 due to a perceived increased risk.
| Nationwide | $958 | $80 |
| Allstate | $1,045 | $87 |
| State Farm | $1,099 | $92 |
| American Family | $1,113 | $93 |
| Travelers | $1,189 | $99 |
| Shelter | $1,659 | $138 |
| Progressive | $1,765 | $147 |
| AAA | $1,768 | $147 |
| GEICO | $1,828 | $152 |
| Kemper | $2,665 | $222 |
The following Kansas City companies offer the most affordable full coverage car insurance rates for those with bad credit:
The annual premium for AAA car insurance in Kansas City is roughly $6,506 for those with bad credit, making it the most expensive option.
Your insurance company may use your credit score when calculating your insurance premiums. Drivers in Kansas City with bad credit could pay $1,247 more for auto insurance than those with good credit, which is a difference of around 77%.
| Nationwide | $1,595 | $133 |
| Allstate | $1,785 | $149 |
| Travelers | $1,983 | $165 |
| American Family | $2,142 | $179 |
| State Farm | $2,261 | $188 |
| GEICO | $2,880 | $240 |
| Shelter | $3,100 | $258 |
| Progressive | $3,173 | $264 |
| Kemper | $3,299 | $275 |
| AAA | $6,506 | $542 |
Insurers believe that policyholders with poor credit histories are more likely to submit claims, so they tend to charge higher premiums. If you have bad credit, it doesn't mean you can't get better insurance rates.
Finding common discounts offered by insurers, bundling policies and evaluating quotes from different companies are all effective strategies to lower the cost of insurance. If you attempt to improve your credit score over time, your rates can also decrease.
The following companies offer the cheapest sports car insurance in Kansas City:
Average annual premiums with Kemper for sports car insurance in the city are $3,185, making it the most expensive option. Due to the higher cost of servicing and repairing sports cars, they are generally more expensive to insure than other types of cars. Sports car insurance costs in the city are around $61 or 4% more expensive than those for a Toyota Camry.
| American Family | $1,112 | $93 |
| Allstate | $1,143 | $95 |
| Nationwide | $1,170 | $97 |
| Travelers | $1,194 | $100 |
| State Farm | $1,409 | $117 |
| Progressive | $2,061 | $172 |
| GEICO | $2,216 | $185 |
| Kemper | $3,185 | $265 |
MoneyGeek utilized a Ford Mustang as its sports car baseline, but premiums can vary by model. It's important to know that rates are often higher for luxury vehicles, electric cars and sports cars.
Kansas City's average yearly full coverage auto insurance premium is $1,447, which is $182 higher than the national car insurance average of $1,265 and $69 more than the average cost of car insurance in Missouri of $1,378. These rates are for bodily injury liability of $100,000 per person, $300,000 per accident and $100,000 property damage liability. Many factors can impact the cost of car insurance, including location.
| Columbia | $1,248 | $554 |
| Springfield | $1,363 | $652 |
| Independence | $1,436 | $664 |
| Kansas City | $1,625 | $733 |
| St. Louis | $2,207 | $934 |
About Mark Fitzpatrick
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.
