Average car insurance cost in Kansas City
Full coverage car insurance in Kansas City costs an average of $2,719 per year, or $227 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $689 annually, but it provides less financial protection because it does not cover damage to your vehicle.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $1,360 |
| Average annual premium | $2,719 |
| State minimum premium | $689 |
Cheapest car insurance companies in Kansas City
GEICO offers the cheapest full coverage car insurance in Kansas City at $1,820 per year. Travelers has the next-lowest average rate. Since insurance companies use different pricing methods, the most affordable carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. varies significantly from one driver to another.
Your location, driving record, vehicle, selected limits, and insurance company all influence your premium. When comparing insurers, request quotes with matching coverage limits and deductibles to ensure the price comparison is accurate.
Below are the companies that offer cheap car insurance to drivers in Kansas City.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $910 | $1,820 |
| Travelers | $915 | $1,831 |
| Shelter Insurance | $1,271 | $2,541 |
| Missouri Farm Bureau | $1,530 | $3,060 |
| Nationwide | $1,592 | $3,183 |
| Auto Club Enterprises (AAA) | $1,836 | $3,672 |
| Progressive | $2,257 | $4,513 |
| USAA | $645 | $1,290 |
Cheapest car insurance cost in Kansas City by age group
The cheapest car insurance company in Kansas City varies by age because insurers price policies in part based on driving experience and expected claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. risk. Shelter Insurance is cheapest for teens, GEICO for young adults, GEICO for adults, and Travelers for seniors in our rate analysis.
Take a look at the cheapest companies in Kansas City by age group:
- Cheapest for teens: Shelter Insurance
- Cheapest for young adults: GEICO
- Cheapest for adults: GEICO
- Cheapest for seniors: Travelers
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Shelter Insurance offers the cheapest car insurance for teens at $6,142 per year.
GEICO offers the most affordable auto insurance for young adults at $2,730 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.
Adult drivers pay the lowest car insurance premiums because they have more driving experience and a lower risk of accidents. GEICO provides the lowest car insurance rates at $1,808 per year for adult drivers in Kansas City.
Travelers offers the least expensive car insurance for senior drivers in Kansas City, at $1,806 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| GEICO | $6,625 | $2,730 | $1,808 | $1,962 |
| Travelers | $6,186 | $2,887 | $1,862 | $1,806 |
| Shelter Insurance | $6,142 | $3,999 | $2,624 | $2,365 |
| Missouri Farm Bureau | $7,434 | $5,119 | $3,056 | $2,835 |
| Nationwide | $11,020 | $5,394 | $3,141 | $2,841 |
| Auto Club Enterprises (AAA) | $14,903 | $7,175 | $3,691 | $3,537 |
| Progressive | $13,543 | $6,867 | $4,398 | $3,913 |
| USAA | $3,556 | $1,920 | $1,305 | $1,266 |
Cheapest car insurance companies in Kansas City by driver profile
The cheapest car insurance company in Kansas City depends on the driver's record and credit profile. Travelers is cheapest after an at-fault accident, Travelers after a DUI, and GEICO after a speeding ticket. Comparing insurers is especially important after a violation.
Below are some of the cheapest car insurance companies in Kansas City by driver profile.
- Cheapest for poor credit: GEICO
- Cheapest for an at-fault accident: Travelers
- Cheapest for a DUI: Travelers
- Cheapest for a driver with a speeding ticket: GEICO
Cheapest for a driver with poor credit: GEICO
GEICO is the most affordable car insurance for drivers with poor credit. On average, drivers in Kansas City pay about $2,854 per year for it.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Kansas City.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,427 | $2,854 |
| Travelers | $1,528 | $3,056 |
| Nationwide | $2,259 | $4,517 |
| Progressive | $3,671 | $7,341 |
| Auto Club Enterprises (AAA) | $6,304 | $12,608 |
| USAA | $1,263 | $2,527 |
Cheapest auto insurance after an at-fault accident: Travelers
After an at-fault accident, Travelers has the cheapest average car insurance in Kansas City at $2,381 per year. Insurers raise premiums following an at-fault crash because it may indicate a higher likelihood of another claim, but the amount of the increase varies by company.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Kansas City.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| Travelers | $1,191 | $2,381 |
| GEICO | $1,848 | $3,696 |
| Nationwide | $2,541 | $5,083 |
| Auto Club Enterprises (AAA) | $2,795 | $5,591 |
| Progressive | $3,126 | $6,252 |
| USAA | $894 | $1,789 |
Cheapest auto insurance after a DUI: Travelers
Travelers offers the cheapest car insurance rates for drivers with a first-offense DUI/DWI on their driving record. The average rate is $2,546 per year, making it the cheapest option amongst all the companies analyzed.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Kansas City.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Travelers | $1,273 | $2,546 |
| GEICO | $1,677 | $3,354 |
| Progressive | $2,510 | $5,021 |
| Auto Club Enterprises (AAA) | $2,751 | $5,503 |
| Nationwide | $3,260 | $6,520 |
| USAA | $1,134 | $2,268 |
Cheapest for drivers with a speeding ticket: GEICO
GEICO offers the cheapest car insurance at $2,150 in Kansas City for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies that offer affordable auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,075 | $2,150 |
| Travelers | $1,222 | $2,444 |
| Nationwide | $2,411 | $4,823 |
| Auto Club Enterprises (AAA) | $2,652 | $5,304 |
| Progressive | $2,670 | $5,340 |
| USAA | $770 | $1,539 |
Car insurance discounts for Kansas City drivers
The biggest car insurance discount available in Kansas City is for the Years Insured category at 36%, offered by Travelers.
Additional discounts include those for safe drivers, good students, and bundling your home and auto insurance.
Here are some of the car insurance discounts insurers offer to Kansas City drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | GEICO | $1,861 | $1,791 | 4% | $70 |
| Air Bags | Missouri Farm Bureau | $2,801 | $2,782 | 1% | $19 |
| Air Bags | Nationwide | $3,067 | $3,051 | 1% | $16 |
| Anti-Theft Device | GEICO | $1,861 | $1,850 | 1% | $11 |
| Anti-Theft Device | Auto Club Enterprises (AAA) | $2,969 | $2,901 | 2% | $68 |
| Comp and Coll Deductibles | Travelers | $1,687 | $1,488 | 12% | $199 |
| Comp and Coll Deductibles | GEICO | $1,861 | $1,655 | 11% | $206 |
| Comp and Coll Deductibles | Shelter Insurance | $2,149 | $1,996 | 7% | $152 |
| Comp and Coll Deductibles | Missouri Farm Bureau | $2,801 | $2,070 | 26% | $731 |
| Comp and Coll Deductibles | Auto Club Enterprises (AAA) | $2,969 | $2,623 | 12% | $347 |
| Comp and Coll Deductibles | Nationwide | $3,067 | $2,654 | 13% | $413 |
| Comp and Coll Deductibles | Progressive | $3,934 | $3,709 | 6% | $225 |
| Daily Commute | Missouri Farm Bureau | $2,801 | $2,716 | 3% | $85 |
| Days Advanced Purchase | Travelers | $1,687 | $1,583 | 6% | $103 |
| Days Advanced Purchase | Auto Club Enterprises (AAA) | $2,969 | $2,821 | 5% | $148 |
| Days Advanced Purchase | Nationwide | $3,067 | $2,916 | 5% | $151 |
| Days Advanced Purchase | Progressive | $3,934 | $3,899 | 1% | $35 |
| Education | GEICO | $1,861 | $1,602 | 14% | $259 |
| Education | Progressive | $3,934 | $3,841 | 2% | $93 |
| Electronic Funds Transfer | Travelers | $1,687 | $1,654 | 2% | $33 |
| Electronic Funds Transfer | Nationwide | $3,067 | $2,932 | 4% | $135 |
| Homeowner | Progressive | $3,934 | $3,856 | 2% | $78 |
| Lower Annual Mileage | Travelers | $1,687 | $1,549 | 8% | $138 |
| Lower Annual Mileage | GEICO | $1,861 | $1,799 | 3% | $62 |
| Lower Annual Mileage | Shelter Insurance | $2,149 | $2,006 | 7% | $143 |
| Lower Annual Mileage | Auto Club Enterprises (AAA) | $2,969 | $2,887 | 3% | $82 |
| Lower Annual Mileage | Progressive | $3,934 | $3,707 | 6% | $227 |
| Loyalty - Years Renewal With Company | GEICO | $1,861 | $1,792 | 4% | $69 |
| Loyalty - Years Renewal With Company | Shelter Insurance | $2,149 | $1,955 | 9% | $194 |
| Loyalty - Years Renewal With Company | Missouri Farm Bureau | $2,801 | $2,607 | 7% | $194 |
| Loyalty - Years Renewal With Company | Auto Club Enterprises (AAA) | $2,969 | $2,656 | 11% | $314 |
| Loyalty - Years Renewal With Company | Progressive | $3,934 | $3,851 | 2% | $83 |
| Marital Status | GEICO | $1,861 | $1,656 | 11% | $205 |
| Marital Status | Shelter Insurance | $2,149 | $2,085 | 3% | $63 |
| Marital Status | Nationwide | $3,067 | $2,736 | 11% | $331 |
| Marital Status | Progressive | $3,934 | $3,301 | 16% | $632 |
| Multi Policy | Travelers | $1,687 | $1,565 | 7% | $122 |
| Multi Policy | GEICO | $1,861 | $1,784 | 4% | $77 |
| Multi Policy | Shelter Insurance | $2,149 | $2,095 | 3% | $54 |
| Multi Policy | Auto Club Enterprises (AAA) | $2,969 | $2,716 | 9% | $253 |
| Multi Policy | Missouri Farm Bureau | $2,801 | $2,739 | 2% | $63 |
| Multi Policy | Nationwide | $3,067 | $2,890 | 6% | $177 |
| Multi Policy | Progressive | $3,934 | $3,740 | 5% | $193 |
| Paperless/Electornic Documents | Travelers | $1,687 | $1,670 | 1% | $16 |
| Paperless/Electornic Documents | Nationwide | $3,067 | $2,932 | 4% | $135 |
| Paperless/Electornic Documents | Progressive | $3,934 | $3,895 | 1% | $39 |
| Payment Type | Travelers | $1,687 | $1,535 | 9% | $151 |
| Payment Type | Shelter Insurance | $2,149 | $1,891 | 12% | $258 |
| Payment Type | Nationwide | $3,067 | $2,797 | 9% | $270 |
| Primary Use | Shelter Insurance | $2,149 | $1,579 | 27% | $570 |
| Primary Use | Travelers | $1,687 | $1,632 | 3% | $54 |
| Primary Use | Missouri Farm Bureau | $2,801 | $2,535 | 9% | $266 |
| Primary Use | Nationwide | $3,067 | $2,751 | 10% | $316 |
| Primary Use | Auto Club Enterprises (AAA) | $2,969 | $2,789 | 6% | $180 |
| Primary Use | Progressive | $3,934 | $3,810 | 3% | $124 |
| Profession | Progressive | $3,934 | $3,297 | 16% | $637 |
| Safety Devices | GEICO | $1,861 | $1,791 | 4% | $70 |
| Telematics | Nationwide | $3,067 | $2,774 | 10% | $293 |
| Telematics | Progressive | $3,934 | $3,344 | 15% | $590 |
| Years Insured | Travelers | $1,687 | $1,086 | 36% | $601 |
| Years Insured | GEICO | $1,861 | $1,690 | 9% | $171 |
| Years Insured | Auto Club Enterprises (AAA) | $2,969 | $2,608 | 12% | $361 |
| Years Insured | Nationwide | $3,067 | $2,983 | 3% | $84 |
| Years Insured | Progressive | $3,934 | $3,191 | 19% | $743 |
| Years Licensed | GEICO | $1,861 | $1,335 | 28% | $526 |
| Anti-Theft Device | USAA | $1,269 | $1,184 | 7% | $84 |
| Days Advanced Purchase | USAA | $1,269 | $1,204 | 5% | $65 |
| Electronic Funds Transfer | USAA | $1,269 | $1,234 | 3% | $35 |
| Lower Annual Mileage | USAA | $1,269 | $1,176 | 7% | $92 |
| Marital Status | USAA | $1,269 | $1,167 | 8% | $102 |
| Multi Policy | USAA | $1,269 | $1,222 | 4% | $46 |
| Primary Use | USAA | $1,269 | $1,117 | 12% | $152 |
| Safety Devices | USAA | $1,269 | $1,255 | 1% | $14 |
| Years Insured | USAA | $1,269 | $1,138 | 10% | $131 |
How to get cheap car insurance in Kansas City in 2025
To get cheap car insurance in Kansas City in 2026, compare at least three quotes for the same coverage, ask about every available discount and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. you can afford. Maintaining a clean driving record, selecting a lower-cost vehicle to insure, and reviewing coverage at renewal can also reduce premiums.
Find affordable car insurance in Kansas City by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Kansas City.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Kansas City
How much does car insurance cost in Kansas City?
Car insurance costs $2,719 per year on average, or about $227 monthly for full coverage in Kansas City. This average is based on 100/300/100 liability limits with $500 deductibles, but your final price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in MO?
No, you don't legally need full coverage in MO, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Kansas City?
You can reduce your car insurance costs in Kansas City by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
Compare auto insurance rates by city in Missouri
