Cheapest car insurance companies in Kansas City
Nationwide and Travelers offer the cheapest car insurance rates in Kansas City for 2023, according to a study by Insurance.com.
The car insurance company in Kansas City that provides the cheapest car insurance premiums is Nationwide, with an average annual rate of $1,496 .
Car insurance prices in Kansas City can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Kansas City drivers.
| Companies | Average annual rates |
|---|---|
| USAA | $1,102 |
| Nationwide | $1,496 |
| Travelers | $1,642 |
| Missouri Farm Bureau Grp | $2,042 |
| Progressive | $2,070 |
| Shelter Insurance | $2,251 |
| State Farm | $2,322 |
| Allstate | $2,941 |
| Auto Club Enterprises (AAA) | $2,941 |
| Geico | $3,259 |
Cheapest car insurance cost in Kansas City by Age Group
USAA is the cheapest option for car insurance in Kansas City for teen drivers, with average annual premiums at just $3,093 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
Among the carriers analyzed, USAA is the cheapest car insurance option for young drivers in Kansas City, at $1,646 a year for a full coverage policy.
An analysis of car insurance rates for Kansas City drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. USAA offers the cheapest full-coverage car insurance rates at $1,115 per year.
If you are a senior driver in Kansas City and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,095 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $3,093 | $1,646 | $1,115 | $1,095 |
| Travelers | $5,005 | $2,518 | $1,668 | $1,623 |
| Missouri Farm Bureau Grp | $5,036 | $3,431 | $2,038 | $1,904 |
| Shelter Insurance | $5,273 | $3,602 | $2,333 | $2,083 |
| Nationwide | $5,335 | $2,596 | $1,485 | $1,389 |
| State Farm | $6,444 | $3,778 | $2,330 | $2,213 |
| Allstate | $8,225 | $4,265 | $3,005 | $2,832 |
| Progressive | $9,075 | $3,408 | $2,090 | $2,029 |
| Geico | $9,533 | $4,558 | $3,225 | $3,190 |
| Auto Club Enterprises (AAA) | $11,270 | $5,118 | $2,919 | $2,833 |
Cheapest car insurance companies in Kansas City by driver profile
When determining car insurance rates in Kansas City, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
Comparison shopping is the key to getting the cheapest car insurance rates in Kansas City. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
In Kansas City, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
If you're a Kansas City driver with poor credit, Nationwide is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $1,501 annually.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,501 |
| USAA | $1,568 |
| Travelers | $2,254 |
| State Farm | $2,319 |
| Progressive | $2,619 |
| Allstate | $2,844 |
| Geico | $3,270 |
Cheapest for drivers with a speeding ticket: USAA
USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Kansas City. It provides full coverage car insurance for drivers aged 30 at about $1,018 per year.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| USAA | $1,018 |
| State Farm | $1,355 |
| Nationwide | $1,584 |
| Travelers | $1,778 |
| Allstate | $1,890 |
| Progressive | $2,021 |
| Geico | $2,634 |
Cheapest auto insurance after an at-fault accident: USAA
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that USAA offers the cheapest car insurance rates for Kansas City drivers with at-fault accidents. It provides coverage at an average annual cost of $1,250.
| Company | Average annual rates |
|---|---|
| USAA | $1,250 |
| State Farm | $1,450 |
| Travelers | $1,813 |
| Nationwide | $1,823 |
| Allstate | $2,292 |
| Progressive | $2,676 |
| Geico | $4,850 |
Cheapest auto insurance after a DUI: State Farm
In Kansas City, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,355 a year.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $1,355 |
| USAA | $1,530 |
| Progressive | $2,125 |
| Travelers | $2,184 |
| Allstate | $2,468 |
| Nationwide | $2,546 |
| Geico | $4,767 |
Average car insurance cost in Kansas City
On average, Kansas City drivers pay $2,155 annually, or $180 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Kansas City is $599.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,155 | $599 |
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
While the 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.
