Average car insurance cost in Kansas City

The average car insurance rate in Kansas City for full coverage is $2,155 per year or $180 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Kansas City is $599 per year. The state minimum liability limits are 25/50/25.

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 state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially 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$1,077
Average annual premium$2,155
State minimum premium$599

Cheapest car insurance companies in Kansas City

Nationwide offers the cheapest rates on average at $1,496 per year. Travelers is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices 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 drivers in Kansas City.

CompanyAverage 6 month rateAverage annual rate
Nationwide$748$1,496
Travelers$821$1,642
Missouri Farm Bureau$1,021$2,042
Progressive$1,035$2,070
Shelter Insurance$1,125$2,251
State Farm$1,161$2,322
Auto Club Enterprises (AAA)$1,470$2,941
Allstate$1,470$2,941
GEICO$1,629$3,259
USAA$551$1,102

Cheapest car insurance cost in Kansas City by age group

Car insurance rates in Kansas City vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Kansas City by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: Travelers
  • Cheapest for young adults: Travelers
  • Cheapest for adults: Nationwide
  • Cheapest for seniors: Nationwide

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Travelers offers the cheapest car insurance for teens at $5,005 per year.

Travelers offers the most affordable auto insurance for young adults at $2,518 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 lowest car insurance premiums because they have more driving experience and a lower risk of accidents. Nationwide provides the lowest car insurance rates at $1,485 per year for adult drivers in Kansas City.

Nationwide offers the least expensive car insurance for senior drivers in Kansas City, at $1,389 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
Nationwide$5,335$2,596$1,485$1,389
Travelers$5,005$2,518$1,668$1,623
Missouri Farm Bureau$5,036$3,431$2,038$1,904
Progressive$9,075$3,408$2,090$2,029
State Farm$6,444$3,778$2,330$2,213
Shelter Insurance$5,273$3,602$2,333$2,083
Auto Club Enterprises (AAA)$11,270$5,118$2,919$2,833
Allstate$8,225$4,265$3,005$2,832
GEICO$9,533$4,558$3,225$3,190
USAA$3,093$1,646$1,115$1,095

Cheapest car insurance companies in Kansas City by driver profile

Car insurance rates in Kansas City vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Kansas City by driver profile.

Cheapest for a driver with poor credit: Nationwide

Nationwide is the most affordable car insurance for drivers with poor credit. On average, drivers in Kansas City pay about $2,124 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Kansas City.

CompanyAverage 6 month premiumAverage annual premium
Nationwide$1,062$2,124
Travelers$1,370$2,740
Progressive$1,683$3,366
GEICO$2,556$5,111
Allstate$2,854$5,708
State Farm$3,993$7,986
Auto Club Enterprises (AAA)$5,049$10,097
USAA$1,079$2,158

Cheapest auto insurance after an at-fault accident: Travelers

In Kansas City, Travelers offers the cheapest car insurance for drivers with at-fault accident at $2,135 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Kansas City.

CompanyAverage 6 month premiumAverage annual premium
Travelers$1,068$2,135
Nationwide$1,195$2,390
State Farm$1,348$2,696
Progressive$1,434$2,867
Allstate$2,071$4,141
Auto Club Enterprises (AAA)$2,239$4,478
GEICO$3,310$6,619
USAA$764$1,528

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 $2,282 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.

CompanyAverage 6 month premiumAverage annual premium
Travelers$1,141$2,282
Progressive$1,151$2,302
State Farm$1,255$2,509
Nationwide$1,533$3,065
Allstate$1,921$3,842
Auto Club Enterprises (AAA)$2,204$4,407
GEICO$3,004$6,007
USAA$969$1,937

Cheapest for drivers with a speeding ticket: Travelers

Travelers offers the cheapest car insurance at $2,192 in Kansas City for drivers with 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 offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Travelers$1,096$2,192
Nationwide$1,134$2,267
Progressive$1,225$2,449
State Farm$1,255$2,509
Allstate$1,672$3,344
GEICO$1,926$3,851
Auto Club Enterprises (AAA)$2,124$4,248
USAA$658$1,315

Car insurance discounts for Kansas City drivers

The biggest car insurance discount available in Kansas City is for the years insured category at 51.04%, offered by Auto Club Enterprises (AAA).

Car insurance is essential for drivers in Kansas City, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Kansas City drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsAllstate$2,2530.77%$17
Air BagsAuto-Owners$2,4200.29%$7
Air BagsGEICO$3,0410.58%$18
Air BagsMissouri Farm Bureau Grp$1,8730.70%$13
Air BagsNationwide$1,4190.58%$8
Air BagsShelter Insurance$2,8700.08%$2
Anti-Theft DeviceAuto Club Enterprises (AAA)$3,2302.39%$76
Anti-Theft DeviceAuto-Owners$2,4202.28%$55
Anti-Theft DeviceGEICO$3,0410.87%$26
Daily CommuteAuto-Owners$2,42010.13%$246
Daily CommuteMissouri Farm Bureau Grp$1,8733.18%$59
Daily CommuteShelter Insurance$2,8703.98%$114
Days Advanced PurchaseAmerican Family$1,9058.08%$154
Days Advanced PurchaseAuto Club Enterprises (AAA)$3,2304.99%$161
Days Advanced PurchaseAuto-Owners$2,4206.00%$145
Days Advanced PurchaseNationwide$1,41913.69%$194
Days Advanced PurchaseProgressive$3,2254.37%$140
Days Advanced PurchaseShelter Insurance$2,8707.31%$210
Days Advanced PurchaseTravelers$1,5286.24%$95
Days Per Week DrivenShelter Insurance$2,8703.98%$114
EducationProgressive$3,2253.02%$97
Electronic Funds TransferAllstate$2,2534.05%$91
Electronic Funds TransferAmerican Family$1,9055.66%$108
Electronic Funds TransferProgressive$3,2250.84%$28
Electronic Funds TransferTravelers$1,5283.97%$61
HomeownerAllstate$2,2534.67%$105
HomeownerAmerican Family$1,9054.04%$77
HomeownerAuto-Owners$2,4207.00%$170
HomeownerProgressive$3,2253.01%$96
Lower Annual MileageAmerican Family$1,9053.96%$76
Lower Annual MileageAuto Club Enterprises (AAA)$3,2302.75%$89
Lower Annual MileageGEICO$3,0413.51%$107
Lower Annual MileageProgressive$3,2254.64%$151
Lower Annual MileageShelter Insurance$2,8702.99%$86
Lower Annual MileageState Farm$1,6879.75%$164
Lower Annual MileageTravelers$1,5285.89%$90
Loyalty - Years Renewal With CompanyAuto Club Enterprises (AAA)$3,23010.77%$349
Loyalty - Years Renewal With CompanyMissouri Farm Bureau Grp$1,8737.29%$136
Loyalty - Years Renewal With CompanyProgressive$3,2447.96%$259
Loyalty - Years Renewal With CompanyShelter Insurance$2,8705.54%$159
Loyalty - Years Renewal With CompanyState Farm$1,68719.55%$330
Marital StatusAllstate$2,2532.56%$57
Marital StatusAmerican Family$1,90512.66%$242
Marital StatusNationwide$1,4197.84%$111
Marital StatusProgressive$3,22511.30%$351
Multi PolicyAllstate$2,2538.35%$188
Multi PolicyAmerican Family$1,90510.36%$197
Multi PolicyAuto Club Enterprises (AAA)$3,2306.78%$219
Multi PolicyAuto-Owners$2,4208.50%$206
Multi PolicyGEICO$3,0414.11%$125
Multi PolicyNationwide$1,4197.94%$113
Multi PolicyProgressive$3,2257.89%$254
Multi PolicyState Farm$1,6879.33%$157
Multi PolicyTravelers$1,5287.22%$110
Paperless/Electornic DocumentsAllstate$2,2534.05%$91
Paperless/Electornic DocumentsAmerican Family$1,9055.66%$108
Paperless/Electornic DocumentsNationwide$1,4193.81%$54
Paperless/Electornic DocumentsProgressive$3,2251.00%$32
Payment TypeAllstate$2,2538.70%$196
Payment TypeAmerican Family$1,9058.83%$168
Payment TypeAuto-Owners$2,42013.00%$315
Payment TypeProgressive$3,22510.34%$339
Payment TypeShelter Insurance$2,87012.00%$344
Payment TypeTravelers$1,5288.99%$137
Primary UseAllstate$2,2535.86%$132
Primary UseAmerican Family$1,9055.39%$103
Primary UseAuto Club Enterprises (AAA)$3,2306.31%$203
Primary UseAuto-Owners$2,42013.96%$338
Primary UseMissouri Farm Bureau Grp$1,8739.70%$182
Primary UseNationwide$1,4197.60%$108
Primary UseProgressive$3,2251.68%$54
Primary UseShelter Insurance$2,87021.91%$629
Primary UseState Farm$1,68711.02%$186
Primary UseTravelers$1,5283.77%$58
ProfessionProgressive$3,22516.70%$539
Safety DevicesAllstate$2,2535.86%$132
Safety DevicesAmerican Family$1,9052.09%$40
Safety DevicesAuto-Owners$2,4202.98%$72
Safety DevicesGEICO$3,0412.50%$76
Safety DevicesProgressive$3,2252.99%$96
TelematicsAllstate$2,2538.10%$183
TelematicsNationwide$1,4199.55%$136
TelematicsProgressive$3,22510.01%$323
TelematicsState Farm$1,68714.78%$249
Years InsuredAllstate$2,77410.90%$303
Years InsuredAmerican Family$2,2257.16%$158
Years InsuredAuto Club Enterprises (AAA)$6,57751.04%$3,357
Years InsuredAuto-Owners$3,11222.21%$691
Years InsuredGEICO$3,1274.59%$144
Years InsuredNationwide$1,7333.91%$68
Years InsuredProgressive$4,07512.99%$528
Years InsuredTravelers$2,79536.20%$1,012
Years LicensedAmerican Family$4,24943.91%$1,869
Years LicensedAuto Club Enterprises (AAA)$9,41725.97%$2,445
Years LicensedGEICO$4,59827.28%$1,257
Years LicensedMissouri Farm Bureau Grp$2,0207.28%$147
Years LicensedNationwide$2,08616.93%$353
Years LicensedProgressive$5,48623.06%$1,265
Years LicensedState Farm$2,10317.34%$364
Years LicensedTravelers$4,41832.92%$1,457

How to get cheap car insurance in Kansas City in 2025

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 offered. 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

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.

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