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Car insurance coverage in Kansas City costs an average of $1,600 annually for full coverage. That's $153 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Kansas City, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Kansas City provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Kansas City

United Svcs Automobile Assn is the cheapest car insurance company in Kansas City with an average cost of $739 per year, based on insurance.com's rate analysis. While Geico Casualty Co is second in terms of the cheapest car insurance companies in Kansas City. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
United Svcs Automobile Assn$739
GEICO Casualty Co$838
Nationwide General$1,032
Standard Fire$1,142
State Farm Mutl Automobile Ins$1,218
American Family$1,262
Progressive Casualty$1,263
Owners$1,401
Allstate F&C$1,466
Automobile Club Inter-Ins$1,902
Metropolitan P&C$2,703
Alpha P&C$4,228

Cheapest car insurance cost in Kansas City by age group

Among the carriers surveyed by Insurance.com, Amco Ins Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,407 a year or $117 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Amco Ins Co is also the cheapest auto insurance company for seniors with an average cost of $1,287 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Allstate Fire & Cas Ins Co offers the cheapest car insurance for young adults in Kansas City at about $2,534 a year. While State Farm Mut Auto Ins Co is the cheapest insurance provider for teen drivers for full coverage at an average of $4,434 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Amco Ins Co$1,407$1,287$6,538$2,816
State Farm Mut Auto Ins Co$1,582$1,481$4,434$2,557
Allstate Fire & Cas Ins Co$1,943$1,818$4,518$2,534
Farmers Ins Co Inc$2,157$2,006$10,719$3,182
Progressive Cas Ins Co$2,172$1,816$10,959$3,775
Geico Cas Co$2,286$2,280$5,798$2,991

Cheapest car insurance companies in Kansas City by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Kansas City no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with Poor Credit: United
  • Cheapest for a driver with a speeding ticket: United
  • Cheapest for accident: United
  • Cheapest for DUI: State Farm

Cheapest for a driver with poor credit: United

United is the cheapest car insurance company for a driver with poor credit in Kansas City. Its average annual rate is $1,814 or $151 a month.

Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.

CompanyAvgerage Annual Rates
United$1,814
Nationwide$2,124
Standard Fire Ins Co$2,790
State Farm$2,997
American Family Ins Co$3,199
Allstate$3,217
Progressive$3,515
Geico$3,838
Owners Ins Co$3,997
Alpha P&C Ins Co$7,681
Metropolitan$8,309
Automobile Club Inter-Ins$8,413

Cheapest auto insurance for drivers with a speeding ticket: United

United is the cheapest auto insurance company for a driver with a speeding ticket in Kansas City. Its average annual premium is $1,197 annually or $100 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAvgerage Annual Rates
United$1,197
State Farm$1,700
Nationwide$2,051
Allstate$2,123
Standard Fire Ins Co$2,165
American Family Ins Co$2,293
Progressive$2,569
Owners Ins Co$2,859
Geico$2,933
Automobile Club Inter-Ins$3,930
Metropolitan$5,032
Alpha P&C Ins Co$7,519

Cheapest auto insurance after an at-fault accident: United

United offers the cheapest car insurance rates for a driver with an accident record in Kansas City at about $1,323 per year. Apart from United, State Farm, Nationwide, and Standard Fire are other cheap insurance companies on our list.

CompanyAvgerage Annual Rates
United$1,323
State Farm$1,827
Nationwide$2,084
Standard Fire Ins Co$2,148
American Family Ins Co$2,168
Allstate$2,475
Progressive$3,026
Automobile Club Inter-Ins$4,147
Geico$5,063
Owners Ins Co$5,325
Metropolitan$5,749
Alpha P&C Ins Co$9,241

Cheapest auto insurance after a DUI: State Farm

State Farm is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $1,700 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAvgerage Annual Rates
State Farm$1,700
United$1,713
Standard Fire Ins Co$2,271
American Family Ins Co$2,293
Progressive$2,394
Allstate$2,444
Nationwide$2,570
Automobile Club Inter-Ins$4,080
Geico$4,536
Owners Ins Co$4,697
Alpha P&C Ins Co$6,620
Metropolitan$7,170

Average car insurance cost in Kansas City

The average car insurance rate in Kansas City is $1,600 a year for a full coverage policy of 100/300/100 for a driver age 30, $153 more than the national average of $1,447.

The average annual premium in Kansas City for minimum coverage is $514 a year or $43 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,600$514