Cheapest Car Insurance Companies in Kansas City, MO (2023)

State Farm is the cheapest car insurance company in Kansas City, MO, charging an average of $36 a month for minimum coverage.

See Your Rates

Key Takeaways

  • State Farm has the lowest car insurance rates in Kansas City, charging $96 a month for full coverage and $36 a month for minimum coverage.
  • On average, Kansas City drivers pay $149 a month for full coverage, which is cheaper than Missouri’s statewide average of $167.
  • Overall, Missouri drivers pay slightly more for insurance than the average American — with average rates costing $167 compared to $162 nationwide.

In this article

The cheapest car insurance companies in Kansas City, MO

State Farm is the cheapest car insurance option for most drivers in Kansas City. In fact, the company leads the way for:

  • Full and minimum coverage
  • Teen drivers
  • Married drivers
  • Drivers with an accident, speeding ticket or DUI

Although this means State Farm is likely to be the cheapest for you, too, that's not a guarantee. To find out which company has the best rates for you, compare car insurance quotes from several companies.

Missouri car insurance state minimums

All Missouri drivers must hold liability insurance that meets certain state-required minimums:

Coverage type State requirements
Bodily injury liability $25,000 per person / $50,000 per accident
Property damage liability $25,000 per accident
Uninsured motorist $25,000 per person / $50,000 per accident

Drivers may also add additional coverages, such as:

  • Collision
  • Comprehensive
  • Towing costs
  • Rental cars

Cheapest minimum-coverage auto insurance rates in Kansas City: State Farm

State Farm has the lowest car insurance premiums for minimum coverage, charging a monthly rate of $36.

Citywide, the average cost of minimum-coverage car insurance for Kansas City drivers is $60 a month, meaning State Farm offers a 40% discount.

Insurance company Monthly rate
State Farm $36
Progressive $41
Farm Bureau $47
American Family $47
Farmers $80
Allstate $144
USAA* $26
Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families.

Get the cheapest car insurance in Kansas City

Cheapest full-coverage auto insurance rates in Kansas City: State Farm

State Farm leads the way for cheap full-coverage auto insurance in Kansas City, charging $96 a month, on average.

State Farm’s average rate is over 35% cheaper than the citywide average cost of full-coverage car insurance, which is $149.

Full-coverage car insurance typically includes collision and comprehensive coverages, in addition to meeting the state-required minimums. No state requires full coverage, but some lenders and lessors do.

Insurance company Monthly rate
State Farm $96
American Family $106
Farm Bureau $133
Progressive $140
Farmers $182
Allstate $317
USAA* $70
Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families.

Cheapest car insurance in Kansas City for drivers with bad credit: American Family

Drivers with bad credit will find the most affordable car insurance rates at American Family, which charges an average $193 a month.

In Kansas City, the average driver with bad credit pays $263 a month for full-coverage car insurance, much more than the average rate for drivers with good credit. This is common in many cities, due to research showing a link between credit scores and driving risk.

Insurance company Monthly rate
American Family $193
Progressive $232
State Farm $242
Farm Bureau $257
Farmers $288
Allstate $506
USAA* $122
Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. *Only available to current/former military and their families.

Cheapest car insurance for drivers with a prior incident

State Farm has the cheapest car insurance for drivers with a prior incident on their records, including speeding tickets, accidents and DUIs.

Cheapest for drivers with a speeding ticket: State Farm

Drivers with a speeding ticket should head to State Farm for cheap car insurance. There, they’ll find a city-leading monthly rate of $102 for full-coverage policies.

Our data shows that, nationwide, drivers with a speeding ticket pay 20% more for car insurance coverage than those with a clean record.

Insurance company Monthly rate
State Farm $102
American Family $106
Farm Bureau $170
Progressive $176
Farmers $236
Allstate $358
USAA* $85
Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *Only available to current/former military and their families.

Cheapest for drivers with an at-fault accident: State Farm

State Farm also tops our list for drivers with an at-fault accident. The provider offers them the cheapest average car insurance rate of $109 a month.

In Kansas City, the average driver with a speeding ticket pays $221 for full coverage. That’s nearly 50% more than the average cost for drivers with a clean record.

Insurance company Monthly rate
State Farm $109
American Family $124
Farm Bureau $206
Progressive $223
Farmers $272
Allstate $514
USAA* $101
Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. *Only available to current/former military and their families.

Cheapest for drivers with a DUI: State Farm

Drivers with a DUI will find the cheapest car insurance policies at State Farm, where the average cost is $101 a month for full coverage.

Drivers with a DUI typically pay much more for car insurance than those with a clean record. That’s evident in Kansas City, where the average driver with a DUI pays $218 a month — 46% more than the average cost of $149 for drivers with clean records.

Insurance company Monthly rate
State Farm $101
American Family $106
Progressive $154
Farmers $245
Farm Bureau $320
Allstate $432
USAA* $165
Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. *Only available to current/former military and their families.

See how much money you could save on car insurance

Cheapest car insurance for senior drivers: State Farm

The cheapest car insurance for senior drivers in Kansas City can be found at State Farm, which charges $86 a month. This is for full coverage; if you buy minimum coverage, your rate should be a lot lower.

Citywide, seniors pay less for car insurance than their younger counterparts. The average monthly rate for a senior in Kansas City is $137, compared to $149 for a 35-year-old.

Insurance company Monthly rate
State Farm $86
American Family $96
Farm Bureau $109
Progressive $110
Farmers $173
Allstate $321
USAA* $65
Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. *Only available to current/former military and their families.

Cheapest car insurance for young drivers: State Farm

For minimum coverage, State Farm has the cheapest insurance for young drivers, charging an average rate of $110 a month. However, American Family leads the way with $231 a month for full coverage.

Young drivers are typically much more expensive to insure — as evidenced by our data, which shows that the average full-coverage policy for a teen driver in Kansas City costs $472 a month.

Insurance company Minimum coverage Full coverage
State Farm $110 $261
American Family $119 $231
Farm Bureau $120 $309
Progressive $197 $633
Farmers $247 $537
Allstate $502 $1,127
USAA* $82 $206
Rates are for an 18-year-old male with a clean driving record. *Only available to current/former military and their families.

Cheapest car insurance for married drivers: State Farm

Married drivers will find the lowest car insurance rates at State Farm, where monthly premiums average out to $97 for full-coverage policies.

Insurance company Monthly rate
State Farm $97
American Family $106
Progressive $111
Farm Bureau $129
Farmers $172
Allstate $329
USAA* $62
Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. *Only available to current/former military and their families.

Car insurance laws in Missouri

No-fault car insurance

Missouri is an at-fault car insurance state when it comes to accidents. This means that the driver deemed responsible for an accident is liable to pay for the victim’s costs and damages.

Financial Responsibility Insurance Certificate (SR-22)

An SR-22 form is required in many states for drivers returning from license suspensions or revocations. That’s the case in Missouri, where an SR-22 is required after even a driver’s first suspension.

Kansas City car insurance: FAQs

State Farm has the cheapest car insurance in Kansas City, charging $36 a month for minimum coverage and $96 a month for full coverage.

The average cost of car insurance for Kansas City drivers is $60 a month for minimum coverage and $149 a month for full coverage.

American Family leads the way for cheap car insurance for Kansas City drivers with bad credit. The company charges $193 a month.

Methodology

The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Kansas City, Missouri.

Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.

Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.

Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.

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

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

Sources:

Auto insurance by city

  • Kansas City

QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.