Kansas City, Missouri Auto Insurance

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Dec 13, 2018

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It’s all about you. We want to help you make the right coverage choices.

We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Here's what you should know...
  • If you’re moving to Kansas City from a different state, your rates may change
  • Missouri auto insurance requires all motorists carry liability coverage for other drivers
  • Buying both comprehensive and collision coverage may be the best way to save money  and protect you and your car in Kansas City

If you’re moving to Kansas City or already living there, buying car insurance for the area where you live is an important step. You can carry your current auto insurance with you, but rates change according to where you live.

What might have been the best rate of insurance before could change once you move to Kansas City.

Therefore, it pays to comparison shop to make sure you are getting the best policy for your money.

Leave the hard work to us! Just enter your ZIP code above, and we’ll gather all the best car insurance rates for you to compare!

Learning More About Kansas City

Kansas City is the largest city in Missouri with a population of over 450,000. The metro area is the second largest with 2.1 million residents and is often referred to as “KC.”

It’s officially nicknamed “The City of Fountains” with over 200 fountains, second in the world only to Rome. In 2007, it was ranked third as one of the best cities to relocate your family.

Coverage Options in Kansas City

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Missouri auto insurance requires all drivers to have liability insurance to cover the other driver’s medical costs and car repairs if you are at fault in an accident. The minimum for bodily injury in Kansas City is $25,000 per person or $50,000 per accident and $10,000 for property damage.

You are also required to have insurance for uninsured drivers. The average Kansas City driver pays $673 per year for car insurance, which is around $150 lower than the national average.

Even with cheaper averages, you can save more money by shopping around to compare state coverage rates and find the best deal.

You will want to find the best coverage at the best price for your car where you live. You are required by law to have liability insurance, but you may also want to buy collision insurance. This will cover your car for repairs in the event of an accident.

Comprehensive coverage will cover other damages besides car accidents and may be useful for Kansas City drivers. This includes vandalism, weather-related damage, animal caused damage such as hitting a deer, and having things stolen out of your car or parts of your car stolen.

Knowing the coverage you need is the first step in getting the best insurance for your money. Prepare to pay more for physical damage insurance than liability. The average Kansas City driver pays $370 for liability but $396 for physical damage insurance.

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What to Look for in Kansas City Car Insurance

However, car fatalities in Kansas City have risen from 58 in 2006 to 68 in 2010, even though the rest of the state has shown a decline. Being aware of this trend may influence your decision on how much bodily injury coverage you want if you live in Kansas City.

While you will have the minimum coverage required by law, you can be sued by the injured party for expenses over that coverage if you are found to be at fault for an accident.

  • Higher Deductibles – If you will be doing most of your driving within the Kansas City area, you will probably be traveling at lower speeds and more likely to have minor repairs if you are involved in an accident. You might want a higher deductible to lower your insurance premiums, expecting to pay the total amount for a minor accident.
  • Coverage for Theft – There were over 3,100 cars stolen in Kansas City in 2010 so insurance to cover theft might be something you want to consider. You can find a list of the most stolen car makes and models on comparison websites to help you decide if you need the extra coverage.

Choosing a Car Insurance Company in Kansas City

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Choosing the best company for insurance should be based on more than the price. You should be satisfied with the customer service and financial stability of the company you choose.

  • Compare Rates – When comparing rates for car insurance, the easiest way to start is online. You can enter your zip code and receive quotes on the best rates. Always compare at least three companies to give you a better idea of the prices for the Kansas City area. By using an online comparison website, you save time.
  • Look for Customer Reviews – When you’re involved in an accident, you want an insurance company that you can call any time of the day or night and one who will move quickly on your behalf. You can check the Better Business Bureau for any complaints as well as their rating, but it’s also important to read customers’ reviews on the company.
  • Independent Insurance Agent – Independent agents handle more than one insurance so they can offer you comparisons and information about each company they handle.

Kansas City Car Insurance Companies

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You can choose an online insurance company such as Geico or Progressive that will cover you in Kansas City, Missouri. If you prefer a well-known insurance company like State Farm or Allstate, you can find a local agent near the area where you live.

There are at least seven agents for each of the major car insurance companies located in the Kansas City area. Besides State Farm and Allstate, there are also agents for American Family and Farmer’s Insurance companies.

Choosing the right car insurance rates can provide peace of mind and monetary savings.

It pays to take the extra time to compare different insurance companies for Kansas City and get quotes on their rates to find the one that will best suit your needs.

Find car insurance quotes now by entering your ZIP code into our FREE search tool below!

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