Compare Kansas City, KS Car Insurance Rates (2021)

The cheapest car insurance in Kansas City, KS is from American Family, although rates will vary by driver. Kansas City auto insurance must meet the state minimums of 25/50/25 in liability coverage, 25/50 in uninsured/underinsured motorist coverage, and $4,500 in personal injury protection. Compare Kansas City, KS car insurance to find the best deal for you.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Aug 6, 2021

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Here's what you need to know...

  • The cheapest car insurance company in Kansas City, KS is American Family
  • Kansas City, KS and Kansas City, MO are part of the larger Kansas City metropolitan area
  • Kansas is a no-fault state, meaning that your car insurance pays for damages, no matter who caused the accident

Kansas City, KS shares a state border with Kansas City MO, creating a large metropolitan area that makes car insurance much more expensive. Even though it’s the same area, Kansas car insurance rates and requirements will vary from car insurance in Missouri.

Shopping around will help you save on Kansas City, KS car insurance. Getting quotes from multiple companies will help you find the best deal.

Monthly Kansas City, KS Car Insurance Rates by ZIP Code

Find more info about the monthly Kansas City, KS car insurance rates by ZIP Code below:

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Kansas City, KS Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Kansas City, Kansas against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare Kansas City, KS car insurance quotes.

What is the cheapest car insurance company in Kansas City, KS?

The cheapest car insurance company in Kansas City, KS based on average rates is American Family.

The cheapest Kansas City, KS auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Kansas auto insurance company rates?” We cover that as well.

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The top car insurance companies in Kansas City, KS from cheapest to most expensive are:

  • American Family – $2,441.23
  • USAA – $2,639.32
  • Nationwide – $2,672.84
  • State Farm – $3,102.04
  • GEICO – $3,603.48
  • Farmers – $4,162.65
  • Progressive – $4,950.96
  • Travelers – $5,505.58
  • Allstate – $5,832.11
  • Liberty Mutual – $6,195.47

There are many different factors that affect your car insurance rates. Companies look at your age, gender, driving record, and credit history to calculate your rates.

Where you live can also affect your car insurance rates.  For example, Wichita car insurance is less expensive than drivers in the larger Kansas City metropolitan area.

Even the KS weather can affect your rates. If you live in an area that gets flooding, tornados, hail, or other acts of nature, your auto insurance rates can go up.

Because these factors are different for each driver, so compare multiple companies to find the most affordable Kansas City, KS car insurance.

Kansas City, Kansas auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Kansas City, KS auto insurance rates. Find the cheapest Kansas City, Kansas auto insurance rates by coverage level below:

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Your credit score will play a major role in your Kansas City, KS auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Kansas City, Kansas auto insurance rates by credit score below.

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Your driving record will affect your Kansas City auto insurance rates. For example, a Kansas City, Kansas DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Kansas City, Kansas auto insurance rates by driving record.

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Factors affecting auto insurance rates in Kansas City, KS may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Kansas City, Kansas auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Kansas City. Kansas does use gender, so check out the average monthly auto insurance rates by age and gender in Kansas City, KS.

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What car insurance coverage is required in Kansas City, KS?

Most states require some sort of car insurance, and this requirement will vary by state. Drivers in Kansas City, KS have to carry at least:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • $4,500 in personal injury protection (PIP) coverage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

Kansas is a no-fault state. This means that your car insurance pays for your damages and bodily injuries, no matter who caused the accident.

These state minimums are very low and will easily be exhausted in a serious accident. Consider carrying more than the minimum required to avoid paying out of pocket in the event of an accident.

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What affects car insurance rates in Kansas City, KS?

Traffic and theft can impact your auto insurance rates also. More traffic means a higher chance of an accident.

Kansas City, Kansas shares a state line and traffic with Kansas City, Missouri. Although INRIX doesn’t have data on Kansas City, KS, it does show Kansas City, MO is the 53rd most congested city in the U.S.

City-Data reports that the average commute time in Kansas City is around 25 minutes.

Theft can also cause your car insurance rates to rise. If you live in an area with a lot of vehicle theft, expect higher rates. The FBI reports that there were 4,427 motor vehicle thefts in Kansas City, MO in one year.

Kansas City, KS Car Insurance: The Bottom Line

Car insurance is expensive, so shop around before you buy Kansas City, KS car insurance. Every company will charge different rates, so be sure to compare multiple companies for the cheapest coverage.

To find compare Kansas City, KS car insurance rates, enter your ZIP code now.

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

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Monthly Kansas City, KS Car Insurance Rates by ZIP Code
Kansas City, KS Car Insurance Rates vs. Top US Metro Car Insurance Rates
Kansas City, KS Car Insurance Rates by Company vs. City Average
Kansas City, KS Car Insurance Rates by Company and Age
The Cheapest Kansas City, KS Car Insurance Rates by Coverage Level
The Cheapest Kansas City, KS Car Insurance Rates by Credit Score
The Cheapest Kansas City, KS Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Kansas City, KS
Average Monthly Car Insurance Rates by Age & Gender in Kansas City, KS
Monthly Kansas City, KS Car Insurance Rates by ZIP Code
Kansas City, KS Car Insurance Rates vs. Top US Metro Car Insurance Rates
Kansas City, KS Car Insurance Rates by Company vs. City Average
Kansas City, KS Car Insurance Rates by Company and Age
The Cheapest Kansas City, KS Car Insurance Rates by Coverage Level
The Cheapest Kansas City, KS Car Insurance Rates by Credit Score
The Cheapest Kansas City, KS Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Kansas City, KS
Average Monthly Car Insurance Rates by Age & Gender in Kansas City, KS