Compare Kansas City, KS Car Insurance Rates (2021)

Car insurance in Kansas City, KS averages $343 a month. Kansas City, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Kansas City car insurance rates, compare quotes from the top car insurance companies in Kansas City, KS.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Kansas City, KS are $4,111/year
  • The cheapest car insurance company in Kansas City for teen drivers is American Family
  • The cheapest car insurance company in Kansas City is American Family

If you need to buy Kansas City, Kansas car insurance, the options can be confusing. Everything you need to know about car insurance in Kansas City, KS is right here.

You’ll find Kansas City car insurance rates, the cheapest Kansas City, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Kansas City, Kansas car insurance rates to Overland Park car insurance rates, Kansas City car insurance rates, and Wichita car insurance rates.

Ready to find affordable Kansas City, KS car insurance today? Enter your ZIP code for fast, free Kansas City car insurance quotes.

Cheapest Kansas City, KS Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Kansas City, KS car insurance rates? Every Kansas City, Kansas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Kansas City, Kansas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,837 $3,703 $3,450 $3,555 $11,350 $12,832 $3,903 $4,026
American Family $1,880 $1,880 $1,700 $1,700 $3,785 $4,580 $1,880 $2,126
Farmers $2,797 $2,772 $2,492 $2,610 $7,944 $8,226 $3,155 $3,306
GEICO $2,762 $2,698 $2,794 $2,600 $5,266 $7,106 $3,278 $2,324
Liberty Mutual $2,906 $3,139 $2,830 $3,167 $14,651 $16,363 $3,131 $3,377
Nationwide $1,903 $1,949 $1,701 $1,823 $4,221 $5,138 $2,255 $2,393
Progressive $2,809 $2,666 $2,272 $2,368 $10,616 $11,977 $3,325 $3,575
State Farm $1,949 $1,949 $1,735 $1,735 $5,623 $7,114 $2,200 $2,511
Travelers $2,591 $2,632 $2,555 $2,580 $10,899 $17,030 $2,661 $3,096
USAA $1,506 $1,520 $1,391 $1,386 $5,505 $5,727 $2,008 $2,073

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Minimum Car Insurance in Kansas City, KS

Every driver must carry the minimum car insurance in Kansas City, KS. Take a look at the Kansas car insurance requirements.

Minimum Required Car Insurance Coverage in Kansas City, Kansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Kansas City, KS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Kansas City, KS. Compare credit history car insurance rates in Kansas City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Kansas City, Kansas

Insurance Company Poor Fair Good
Allstate $7,238 $5,496 $4,762
American Family $3,194 $2,249 $1,881
Farmers $4,882 $3,915 $3,692
GEICO $5,601 $2,961 $2,249
Liberty Mutual $6,195 $6,195 $6,195
Nationwide $2,946 $2,627 $2,445
Progressive $5,656 $4,775 $4,422
State Farm $4,518 $2,699 $2,090
Travelers $6,347 $5,186 $4,984
USAA $3,589 $2,373 $1,957

Cheapest Kansas City, KS Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Kansas City, KS to rates for a clean record with top companies.

Annual Kansas City, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,961 $5,842 $6,886 $5,640
American Family $2,404 $2,554 $2,404 $2,404
Farmers $3,502 $4,525 $4,409 $4,215
GEICO $2,282 $3,716 $5,697 $2,718
Liberty Mutual $4,609 $7,068 $6,934 $6,170
Nationwide $2,032 $2,327 $4,024 $2,309
Progressive $4,562 $5,368 $4,777 $5,097
State Farm $2,849 $3,355 $3,102 $3,102
Travelers $3,971 $5,228 $7,254 $5,569
USAA $1,916 $2,612 $3,828 $2,201

Cheapest Kansas City, KS Car Insurance for Teen Drivers

Teen car insurance in Kansas City, KS can be expensive. Take a look at rates from the top car insurance companies in Kansas City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Kansas City, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,350 $12,832
American Family $3,785 $4,580
Farmers $7,944 $8,226
GEICO $5,266 $7,106
Liberty Mutual $14,651 $16,363
Nationwide $4,221 $5,138
Progressive $10,616 $11,977
State Farm $5,623 $7,114
Travelers $10,899 $17,030
USAA $5,505 $5,727

Cheapest Kansas City, KS Car Insurance for Seniors

Take a look at Kansas City, KS senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Kansas City, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,450 $3,555
American Family $1,700 $1,700
Farmers $2,492 $2,610
GEICO $2,794 $2,600
Liberty Mutual $2,830 $3,167
Nationwide $1,701 $1,823
Progressive $2,272 $2,368
State Farm $1,735 $1,735
Travelers $2,555 $2,580
USAA $1,391 $1,386

Cheapest Kansas City, KS Car Insurance Rates After a DUI

A DUI in Kansas City, KS increases car insurance rates. Compare Kansas City, Kansas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Kansas City, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,886
American Family $2,404
Farmers $4,409
GEICO $5,697
Liberty Mutual $6,934
Nationwide $4,024
Progressive $4,777
State Farm $3,102
Travelers $7,254
USAA $3,828

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Cheapest Kansas City, KS Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Kansas City, KS by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Kansas City, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,832 $5,832
American Family $2,411 $2,472
Farmers $4,163 $4,163
GEICO $3,529 $3,678
Liberty Mutual $6,195 $6,195
Nationwide $2,673 $2,673
Progressive $4,951 $4,951
State Farm $3,024 $3,180
Travelers $5,506 $5,506
USAA $2,565 $2,714

Cheapest Kansas City, KS Car Insurance Rates by ZIP Code

Kansas City car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Kansas City, KS.

Annual Car Insurance Rates by ZIP Code in Kansas City, Kansas

ZIP Code Average Annual Rates
66101 $4,517
66102 $4,532
66103 $4,396
66104 $4,559
66105 $4,512
66106 $4,202
66109 $3,886
66111 $4,111
66112 $4,197
66115 $4,617
66118 $4,508
66160 $4,504

The Best Cheap Car Insurance Companies in Kansas City, KS

Take a look at a side-by-side comparison of the top car insurance companies in Kansas City, KS to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Kansas City, Kansas

Insurance Company Average Annual Rates
Allstate $5,832
American Family $2,441
Farmers $4,163
GEICO $3,603
Liberty Mutual $6,195
Nationwide $2,673
Progressive $4,951
State Farm $3,102
Travelers $5,506
USAA $2,639

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Category Winners: Cheapest Car Insurance in Kansas City, Kansas

Find the cheapest car insurance companies in Kansas City, KS for each category right here.

Best Annual Car Insurance Rates by Company in Kansas City, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation USAA

Cheapest Kansas City, KS Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Kansas City car insurance rates. Find the cheapest Kansas City, KS car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Kansas City, Kansas

Insurance Company Low Medium High
Allstate $5,600 $5,818 $6,078
American Family $2,451 $2,564 $2,309
Farmers $3,980 $4,138 $4,370
GEICO $3,476 $3,600 $3,735
Liberty Mutual $6,018 $6,178 $6,391
Nationwide $2,801 $2,646 $2,571
Progressive $4,669 $4,912 $5,272
State Farm $2,975 $3,111 $3,220
Travelers $5,198 $5,515 $5,804
USAA $2,538 $2,632 $2,748

What affects car insurance rates in Kansas City, Kansas?

What factors can have an impact on Kansas City, KS car insurance? There are several reasons why Kansas City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Kansas City, Kansas.

Commute Time in Kansas City

The more time you spend in your car the higher the risk of an accident. The average commute length in Kansas City, KS is 21.1 minutes according to City-Data.

Traffic in Kansas City

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Kansas City, KS traffic data from INRIX ranks Kansas City as the 468th-most congested in the world.

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Compare Car Insurance Quotes in Kansas City, KS

Ready to find affordable Kansas City, Kansas car insurance today? Enter your ZIP code for fast, free Kansas City, KS car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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