Cheap Car Insurance in Kansas City, Missouri (2022)

The cheapest car insurance companies in Kansas City: Allstate, $34 a month, and State Farm, $48 a month.

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Allstate offers the cheapest minimum-coverage car insurance in Kansas City, Missouri, at $33 a month, but State Farm has the cheapest full-coverage rate, $92 a month. USAA’s rates are the most affordable if you’re in the military community. As you shop for auto insurance, here’s the data you need to find cheap car insurance in Kansas City.

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Kansas City’s cheapest car insurance companies

Our review of auto insurance quotes from every Kansas City neighborhood shows that Allstate offers the cheapest average rate for minimum-coverage car insurance on the Missouri side of the city. However, State Farm has the lowest average rate for full-coverage policies.

USAA’s rates are actually lower than those offered by every other company in our analysis, but USAA is only available to current and former members of the military and their families.

Cheapest minimum-coverage car insurance in Kansas City

Allstate offers the cheapest minimum-coverage car insurance in Kansas City, charging rates that average $34 a month for a typical adult driver. The next-best rates are available from State Farm, $48 a month, and American Family, $55 a month.

Allstate’s rate for minimum-coverage auto insurance is less than half the citywide average of $73 a month.

Minimum-coverage car insurance rates
Company Monthly rate
Allstate $34
State Farm $48
American Family $55
Shelter $70
City average $73
Progressive $79
AAA $132
GEICO $137
USAA* $26
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

In Kansas City, minimum-coverage car insurance includes liability and uninsured motorist coverage. These cover injuries and damage you cause to others in an accident, as well as your own injuries in an accident caused by an uninsured driver.

A minimum-coverage policy generally does not cover your own injuries or car repairs in an accident you cause.

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Cheapest full-coverage car insurance in Kansas City

State Farm offers the cheapest full-coverage car insurance in Kansas City, $99 a month. The next-best rates are available from American Family, $110 a month, and Allstate, $119 a month.

Full-coverage car insurance rates
Company Monthly rate
State Farm $99
American Family $110
Allstate $119
Shelter $153
City average $167
Progressive $170
AAA $283
GEICO $332
USAA* $73
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

Full-coverage car insurance includes higher liability limits than minimum coverage as well as collision coverage and comprehensive coverage.

Cheapest car insurance for Kansas City drivers with a ticket or accident

State Farm offers the cheapest non-USAA car insurance rates for drivers with a prior speeding ticket or accident, charging $108 a month and $116 a month, respectively, for these incidents.

The next-best rates for drivers with a speeding ticket are available from American Family, $132 a month, and Shelter, $170 a month. The next-best rates for drivers with a prior accident are available from American Family, $190 a month, and Allstate, $193 a month.

A speeding ticket raises the average price of car insurance by 25% to $209 a month. An accident raises the average price of auto insurance in Kansas City by 54%.

Cheapest car insurance for drivers with a speeding ticket
Company Monthly rate
State Farm $108
American Family $132
Shelter $170
Allstate $174
Progressive $205
City average $209
AAA $388
GEICO $408
USAA* $86
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.
Cheapest car insurance for drivers with an accident history
Company Monthly rate
State Farm $116
American Family $190
Allstate $193
Shelter $217
City average $257
Progressive $261
AAA $448
GEICO $534
USAA* $97
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

Cheapest car insurance for Kansas City drivers with a DUI

State Farm offers Kansas City’s cheapest car insurance to drivers with a DUI, charging $108 a month for full coverage.

A DUI increases the average price of car insurance in Kansas City by 60% to $268 a month.

Cheapest car insurance for drivers with a DUI
Company Monthly rate
State Farm $108
Progressive $185
American Family $194
Allstate $222
Shelter $250
City average $268
AAA $440
GEICO $616
USAA* $125
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

Cheap car insurance for Kansas City teens

Allstate offers the cheapest minimum-coverage car insurance for teen drivers, charging 18-year-olds $103 a month, while State Farm has the lowest teen rates for full coverage, $299 a month.

The next-best minimum-coverage rates are available from State Farm, $148 a month, and Shelter, $205 a month.

For full coverage, the second- and third-lowest rates are available from Allstate, $377 a month, and American Family, $402 a month.

Minimum-coverage car insurance rates for 18-year-olds
Company Monthly rate
Allstate $103
State Farm $148
Shelter $205
American Family $220
City average $228
GEICO $319
Progressive $368
AAA $408
USAA* $57
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.
Full-coverage car insurance rates for 18-year-olds
Company Monthly rate
State Farm $299
Allstate $377
American Family $402
Shelter $459
City average $513
Progressive $726
GEICO $769
AAA $918
USAA* $152
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

A speeding ticket increases the average cost of car insurance for an 18-year-old by 20%, compared to a peer with a clean record. An accident raises the average cost of car insurance for an 18-year-old by 41%.

Cheapest car insurance for 18-year-olds with a speeding ticket
Company Monthly rate
State Farm $328
American Family $445
Shelter $459
Allstate $569
City average $614
Progressive $760
GEICO $905
AAA $1,275
USAA* $171
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.
Cheapest car insurance for 18-year-olds with an accident history
Company Monthly rate
State Farm $357
American Family $569
Shelter $592
Allstate $634
Average $722
Progressive $816
GEICO $1,156
AAA $1,483
USAA $173
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

Teens have the highest crash rates among all age groups, and this is one of the main reasons why insurance companies charge teen drivers such high rates. In Kansas City, 18-year-olds are charged nearly three times as much for minimum-coverage car insurance as 35-year-olds.

Teens drivers can usually get more affordable rates on car insurance by being added to a policy with a parent or guardian than they can on their own. Many insurance companies also offer discounts to teens who maintain good grades and/or complete an approved driver education program.

Cheapest car insurance for senior citizens in Kansas City

Allstate, State Farm and American Family generally have the cheapest non-USAA car insurance rates for senior citizen drivers in Kansas City.

Allstate offers the cheapest minimum-coverage car insurance to seniors, charging 60-year-olds $30 a month. The next-best rates are available from State Farm, $46 a month, and American Family, $50 a month.

State Farm offers 60-year-olds the cheapest full-coverage car insurance, charging $91 a month, followed by American Family, $98 a month, and Allstate, $100 a month.

Cheapest minimum-coverage car insurance for 60-year-olds
Company Monthly rate
Allstate $30
State Farm $46
American Family $50
Shelter $59
City average $67
Progressive $70
AAA $116
GEICO $135
USAA* $26
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.
Cheapest full-coverage car insurance for 60-year-olds
Company Monthly rate
State Farm $91
American Family $98
Allstate $100
Shelter $128
Progressive $142
City average $148
AAA $247
GEICO $306
USAA* $70
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

How auto insurance requirements and laws work in Kansas City

Missouri’s financial responsibility laws require auto insurance, although alternatives such as posting a bond are available, and the state uses a comparative fault system to settle car accident claims.

Kansas City’s minimum insurance requirements

Drivers in Kansas City and elsewhere in Missouri are required to carry, at minimum, the following limits for liability and uninsured motorist coverage:

  • Bodily injury liability: $25,000 per person/$50,000 per accident
  • Property damage liability: $25,000
  • Uninsured motorist: $25,000 per person/$50,000 per accident

Bodily injury liability pays for medical treatment of those injured in an accident you cause, and property damage liability covers damage you cause to other people’s vehicles or property. 

Uninsured motorist covers injuries you or your passengers suffer in an accident caused by a driver with no insurance. It does not cover damage to your vehicle.

Collision and comprehensive coverages are optional in Missouri, but they are usually required for a car loan or lease:

  • Collision: Generally covers damage to your vehicle resulting from an accident you cause or hit-and-run.
  • Comprehensive: Covers damage to your vehicle from any cause other than a collision, including fire, flood, falling objects or vandalism, as well as theft of the vehicle.

Medical payments (MedPay) coverage is also optional in Missouri. MedPay covers injuries you and/or your passengers suffer in a car accident, regardless of fault.

Comparative fault laws in Kansas City

If you’re moving to Kansas City from out of state, it’s important to know that Missouri’s comparative fault laws hold you liable for injuries or damage in an accident you cause, even when you are only partially responsible for the accident.

The state uses a percentage system to assign fault in car accidents. If you are 100% responsible for the accident, you are liable for 100% of other people’s medical bills and car repairs. If you’re 25% responsible for an accident, you may be held liable for 25% of the other people’s costs.

If your share of costs from an accident exceeds your coverage limits, you may be held personally responsible for the shortfall. This is the main reason to consider auto insurance coverages and limits that exceed the state’s minimum requirements.

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Auto insurance in Kansas City, Missouri vs. Kansas State

If you relocate from Kansas City, Missouri, to the Kansas side of the state line, you can expect additional auto insurance requirements, no-fault car insurance laws and higher auto insurance prices.

In addition to requiring motorists to carry liability and uninsured motorist coverage with the same limits as Missouri, Kansas also requires motorists to carry personal injury protection (PIP).

Under Kansas’s no-fault auto insurance laws, PIP covers the initial medical treatment for injuries you and/or your passengers suffer in a car accident, regardless of fault. You can only recover damages from an at-fault driver if your injuries meet specified thresholds for severity and/or cost.

The average cost of minimum-coverage car insurance in Kansas City, Kansas, is $145 a month, compared to $73 a month in Kansas City, Missouri.

Frequently asked questions about Kansas City car insurance

How much does car insurance cost in Kansas City?

The average cost of car insurance in Kansas City, Missouri, is $73 a month for a minimum-coverage policy and $167 a month for full coverage.

How can I find the cheapest car insurance in Kansas City?

The best way to find the cheapest car insurance in Kansas City is to compare quotes from multiple companies and take advantage of as many discounts as possible. Since each auto insurer uses a different rating system, you may qualify for a considerably lower rate with one company than you do with others. 

Is car insurance cheaper in Kansas or Missouri?

Car insurance is generally cheaper in Missouri than in Kansas, but car insurance in Kansas often includes more coverage. For example, minimum coverage car insurance in Missouri averages $69 a month for liability and uninsured motorist coverage. In Kansas, minimum coverage insurance rates average $126 a month for policies that include personal injury protection, in addition to liability and uninsured motorist coverage.

Methodology

We obtained non-binding car insurance quotes for a typical driver in every ZIP code in Kansas City, Missouri, through Quadrant Information Services. Unless otherwise noted, a typical driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

Minimum-coverage insurance rates are based on a policy meeting Missouri’s minimum requirements for liability and uninsured motorist coverage.

Full-coverage policies include the following additional coverages, limits and deductibles:

  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $100,000
  • Collision coverage: $500 deductible
  • Comprehensive coverage: $500 deductible

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