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.
| Company | Average 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 Name | Adults | Seniors | Teens | Young 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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 Rates | State Minimum Average |
|---|---|
| $1,600 | $514 |