Compare Kansas City, MO Car Insurance Rates (2021)

Car insurance in Kansas City, MO averages $317 a month. Kansas City, Missouri 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, MO.

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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, MO are $3,804/year
  • The cheapest ZIP code in Kansas City is 64157
  • Average car insurance rates in Kansas City, MO after a DUI are $4,443/year

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

You’ll find Kansas City car insurance rates, the cheapest Kansas City, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Kansas City, Missouri car insurance rates to Blue Springs car insurance rates, Springfield car insurance rates, and Independence car insurance rates.

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

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

How do age, gender, and marital status affect Kansas City, MO car insurance rates? Every Kansas City, Missouri 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, Missouri

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 $2,956 $2,851 $2,667 $2,750 $8,437 $9,142 $2,813 $2,900
American Family $2,471 $2,471 $2,202 $2,202 $6,829 $8,870 $2,471 $2,882
Farmers $2,603 $2,588 $2,317 $2,462 $11,067 $11,442 $2,978 $3,105
GEICO $2,134 $2,409 $1,658 $2,162 $6,905 $7,296 $1,922 $1,918
Liberty Mutual $3,148 $3,409 $2,592 $2,908 $11,254 $12,492 $3,308 $3,517
Nationwide $1,786 $1,819 $1,603 $1,691 $4,647 $5,924 $2,049 $2,209
Progressive $2,556 $2,321 $2,090 $2,166 $8,587 $9,577 $3,078 $3,073
State Farm $1,999 $1,999 $1,813 $1,813 $6,007 $7,528 $2,253 $2,583
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

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Minimum Car Insurance in Kansas City, MO

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

Minimum Required Car Insurance Coverage in Kansas City, Missouri

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, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Kansas City, MO. 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, Missouri

Insurance Company Poor Fair Good
Allstate $5,956 $3,830 $3,158
American Family $4,964 $3,493 $2,942
Farmers $5,495 $4,596 $4,369
GEICO $4,563 $2,968 $2,371
Liberty Mutual $7,640 $4,674 $3,671
Nationwide $3,205 $2,649 $2,295
Progressive $4,862 $4,004 $3,677
State Farm $4,538 $2,883 $2,328
USAA $4,216 $1,958 $1,402

Cheapest Kansas City, MO 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, MO to rates for a clean record with top companies.

Annual Kansas City, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,679 $4,167 $5,227 $4,185
American Family $2,841 $4,073 $5,035 $3,250
Farmers $4,140 $5,202 $5,082 $4,856
GEICO $2,522 $3,341 $4,584 $2,755
Liberty Mutual $3,854 $5,568 $5,724 $6,168
Nationwide $2,115 $2,740 $3,687 $2,324
Progressive $3,603 $4,872 $4,009 $4,240
State Farm $2,969 $3,530 $3,250 $3,250
USAA $2,036 $2,458 $3,392 $2,217

Cheapest Kansas City, MO Car Insurance for Teen Drivers

Teen car insurance in Kansas City, MO 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, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,437 $9,142
American Family $6,829 $8,870
Farmers $11,067 $11,442
GEICO $6,905 $7,296
Liberty Mutual $11,254 $12,492
Nationwide $4,647 $5,924
Progressive $8,587 $9,577
State Farm $6,007 $7,528
USAA $4,587 $5,609

Cheapest Kansas City, MO Car Insurance for Seniors

Take a look at Kansas City, MO 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, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,667 $2,750
American Family $2,202 $2,202
Farmers $2,317 $2,462
GEICO $1,658 $2,162
Liberty Mutual $2,592 $2,908
Nationwide $1,603 $1,691
Progressive $2,090 $2,166
State Farm $1,813 $1,813
USAA $1,391 $1,422

Cheapest Kansas City, MO Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,227
American Family $5,035
Farmers $5,082
GEICO $4,584
Liberty Mutual $5,724
Nationwide $3,687
Progressive $4,009
State Farm $3,250
USAA $3,392

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Cheapest Kansas City, MO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Kansas City, MO 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, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,315 $4,315
American Family $3,762 $3,837
Farmers $4,820 $4,820
GEICO $3,242 $3,359
Liberty Mutual $5,329 $5,329
Nationwide $2,716 $2,716
Progressive $4,181 $4,181
State Farm $3,170 $3,329
USAA $2,433 $2,618

Cheapest Kansas City, MO 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, MO.

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

ZIP Code Average Annual Rates
64101 $3,377
64102 $3,392
64105 $3,246
64106 $3,412
64108 $3,226
64109 $3,697
64110 $3,332
64111 $3,235
64112 $3,174
64113 $3,116
64114 $2,985
64116 $2,930
64117 $2,890
64118 $2,857
64119 $2,791
64120 $3,522
64123 $3,736
64124 $3,735
64125 $3,524
64126 $3,387
64127 $3,721
64128 $3,711
64129 $3,219
64130 $3,676
64131 $3,147
64132 $3,590
64133 $3,082
64134 $3,159
64136 $2,948
64137 $3,117
64138 $3,114
64139 $2,905
64145 $2,996
64146 $2,995
64147 $3,061
64149 $2,931
64151 $2,811
64152 $2,835
64153 $2,814
64154 $2,796
64155 $2,755
64156 $2,725
64157 $2,694
64158 $2,788
64161 $2,899
64164 $2,733
64165 $2,792
64166 $2,754
64167 $2,749

The Best Cheap Car Insurance Companies in Kansas City, MO

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

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

Insurance Company Average Annual Rates
Allstate $4,315
American Family $3,800
Farmers $4,820
GEICO $3,301
Liberty Mutual $5,329
Nationwide $2,716
Progressive $4,181
State Farm $3,250
USAA $2,526

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Category Winners: Cheapest Car Insurance in Kansas City, Missouri

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

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

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Kansas City, MO 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, MO car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $4,159 $4,306 $4,479
American Family $3,683 $3,919 $3,798
Farmers $4,502 $4,773 $5,186
GEICO $3,069 $3,330 $3,502
Liberty Mutual $5,014 $5,359 $5,613
Nationwide $2,545 $2,741 $2,863
Progressive $3,635 $4,198 $4,710
State Farm $3,023 $3,262 $3,464
USAA $2,420 $2,517 $2,640

What affects car insurance rates in Kansas City, Missouri?

What factors can have an impact on Kansas City, MO 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, Missouri.

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, MO is 22.0 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, MO 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, MO

Ready to find affordable Kansas City, Missouri car insurance today? Enter your ZIP code for fast, free Kansas City, MO 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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