If you're looking for the best and cheapest car insurance in Kansas City, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Kansas City and prepared this guide for you.
The average cost of auto insurance in Kansas City for full coverage is $2,192 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.
The following guide will help you find the best car insurance companies in Kansas City. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.
Cheapest car insurance companies in Kansas City
According to a study by Insurance.com, the cheapest car insurance companies in Kansas City for 2023 are USAA and Nationwide.
USAA is the cheapest option for most Kansas City drivers, with an average annual rate of $863.
Car insurance cost may vary in Kansas City based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Kansas City
| Companies | Average Annual Rates |
|---|---|
| USAA | $863 |
| Nationwide | $1,270 |
| Travelers | $1,479 |
| State Farm | $1,557 |
| Allstate | $1,715 |
| American Family | $1,794 |
| Auto-Owners | $1,853 |
| Geico | $2,334 |
| Auto Club Enterprises (AAA) | $2,424 |
| Progressive | $2,713 |
| Kemper Insurance | $6,114 |
Cheapest car insurance cost in Kansas City by Age Group
The cheapest auto insurance company in Kansas City for teen drivers is USAA. For full coverage, its average annual rate for Kansas City drivers is $2,345. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.
USAA is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Kansas City at about $1,281 per year.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Kansas City is the USAA. Its average rate for a full coverage car insurance policy is $889 per year.
If you are a senior driver in Kansas City and looking for a cheap car insurance company, then consider buying insurance from the USAA. It is the cheapest auto insurance company for senior drivers with an average premium of $844 per year.
| Companies | Adults | Seniors | Teens | Young Adults |
|---|---|---|---|---|
| Allstate | $1,777 | $1,612 | $3,745 | $2,230 |
| American Family | $1,813 | $1,719 | $5,629 | $2,851 |
| Auto Club Enterprises (AAA) | $2,506 | $2,280 | $14,160 | $5,295 |
| Auto-Owners | $1,915 | $1,834 | $7,578 | $3,401 |
| Geico | $2,291 | $2,220 | $6,399 | $2,925 |
| Kemper Insurance | $6,168 | $5,349 | $21,088 | $11,621 |
| Nationwide | $1,303 | $1,227 | $4,962 | $2,328 |
| Progressive | $2,796 | $2,685 | $10,732 | $4,797 |
| State Farm | $1,600 | $1,468 | $4,852 | $2,774 |
| Travelers | $1,533 | $1,486 | $5,026 | $2,395 |
| USAA | $889 | $844 | $2,345 | $1,281 |
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.
To find the cheapest car insurance company in Kansas City, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Here are some of the cheapest car insurance companies in Kansas City based on 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
The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for Kansas City drivers at about $1,503 per year.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.
| Companies | Average Annual Rates |
|---|---|
| Nationwide | $1,503 |
| USAA | $1,591 |
| Travelers | $2,310 |
| State Farm | $2,319 |
| Progressive | $2,490 |
| American Family | $2,606 |
| Allstate | $2,844 |
| Auto-Owners | $3,174 |
| Geico | $3,249 |
| Kemper | $6,098 |
| Auto Club Entreprises | $6,196 |
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 offers full coverage car insurance for drivers age 30 at about $996 per year.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Companies | Average Annual Rates |
|---|---|
| USAA | $996 |
| Nationwide | $1,327 |
| State Farm | $1,355 |
| Travelers | $1,746 |
| American Family | $1,855 |
| Allstate | $1,858 |
| Progressive | $1,866 |
| Auto-Owners | $1,948 |
| Geico | $2,428 |
| Auto Club Entreprises | $2,762 |
| Kemper | $6,082 |
Cheapest auto insurance after an at-fault accident: USAA
USAA is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Kansas City is $1,131. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Companies | Average Annual Rates |
|---|---|
| USAA | $1,131 |
| State Farm | $1,450 |
| American Family | $1,488 |
| Nationwide | $1,680 |
| Travelers | $1,738 |
| Allstate | $2,140 |
| Progressive | $2,344 |
| Auto Club Entreprises | $2,960 |
| Auto-Owners | $3,931 |
| Geico | $4,410 |
| Kemper | $7,446 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the carrier that offers cheap auto insurance rates in Kansas City for drivers after a DUI. Its average annual rate for full coverage is $1,355.
If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.
| Companies | Average Annual Rates |
|---|---|
| State Farm | $1,355 |
| USAA | $1,427 |
| Progressive | $1,698 |
| American Family | $1,855 |
| Travelers | $1,868 |
| Allstate | $2,115 |
| Nationwide | $2,136 |
| Auto Club Entreprises | $2,916 |
| Auto-Owners | $3,489 |
| Geico | $3,789 |
| Kemper | $5,278 |
Average car insurance cost in Kansas City
The average car insurance rate in Kansas City for full coverage is $2,192 per year or $183 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Kansas City is $607 per year.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average Annual Rates | State Minimum Average |
|---|---|
| $2,192 | $607 |
Methodology
Insurance.com commissioned 2022 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 2022.
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. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
Compare auto insurance rates by city in Missouri
Helpful auto insurance tools and calculators
