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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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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Founder & CFP®

UPDATED: Mar 19, 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.

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 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.

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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.

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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