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Cheap Car Insurance in Kansas City

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Image via Pixabay by ArtisticOperations

Insurance rates vary significantly between states and cities. Some states require higher levels of coverage than others. Differences in state laws, the number of uninsured drivers, and the frequency of accidents also contribute to the varying rates. Kansas City is one city with high insurance costs because Missouri is a no-fault state. This means insurance companies must pay for damages regardless of the cause of the loss or which driver was at fault. As a result, companies pay claims more frequently. Also, the state requires personal injury protection, which adds to the cost.

Average Auto Insurance Cost in Kansas City, Missouri

If you’re looking for cheap car insurance in Kansas City, there are plenty of ways you can find an inexpensive option. First, you need to compare rates from different insurance companies. Secondly, you need to consider your driving profile, including age, gender, credit score, marital status, and other factors. We’ve compiled a list of cheap car insurance providers in Kansas City to help you with your search.

On average, the cost of full insurance coverage in Kansas City is $1,991 annually. This amount is higher than the average cost for Missouri, which is $1,736. It’s also higher than the nationwide average of $1,548. Average insurance rates for various age groups are as follows:

Average Insurance Rates Based on Age

Age Group Monthly Average Annual Average Cost
Teenager $625 $7,515
20s $224 $2,688
30s $161 $1,930
40s $149 $1,786
50s $137 $1,648
60s $139 $1,665
70s $168 $2,015

In addition to age, average cost also depends on driving records. Drivers caught in violation of traffic laws can have up to a $750 increase in annual insurance. The most common incidents include reckless driving, driving under the influence of alcohol (DUI), driving while intoxicated (DWI), speeding, and at-fault incidents.

Average Insurance Cost Based on Past Incidents

Incident Monthly Average Annual Average Cost
DWI/DUI $228 $2,733
Reckless driving $228 $2,736
At-fault accidents (damages below $1,000) $227 $2,723
At-fault accidents (damages over $2,000) $249 $2,991
Over speeding $204 $2,442

Your insurance cost will also depend on your credit rating. For example, if you improve your credit rating from fair to very good, you may save $709 annually on your insurance premiums.

Average Insurance Cost Based on Credit Score

Credit Score Monthly Average Annual Average Cost
Exceptional $125 $1,498
Very Good $145 $1,740
Good $166 $1,991
Fair $204 $2,449
Poor $373 $4,480

Overall Cheap Car Insurance in Kansas City

These are the cheapest insurance companies in Kansas City for full coverage (liability, comprehensive, and collision insurance). The rates apply to drivers with clean records.

Insurance Company Monthly Average Annual Average Cost
USAA $68 $818
Geico $73 $883
Nationwide $93 $1,119
State Farm $97 $1,169
Travelers $104 $1,256
American Family Insurance $115 $1,374
Progressive $116 $1,395
Iowa Farm Bureau $120 $1,445
Farmers $128 $1,536
All State $151 $1,814

Note that USAA is only available to military members and their families.

Cheapest for Minimum Coverage

Minimum coverage consists of liability insurance only. It’s a compulsory requirement by the state for all drivers. Though it’s relatively cheaper, it’s not the best option since it means you’ll be responsible for damages to your car after an accident. Below are the lowest rates for minimum coverage.

Insurance company Monthly Average Annual Average Cost
USAA $66 $793
Geico $71 $854
State Farm $93 $1,121
Nationwide $100 $1,194
Travelers $102 $1,224
American Family Insurance $110 $1,319
Progressive $112 $1,339
Iowa Farm Bureau $119 $1,426
Farmers $122 $1,466
All State $148 $1,770

Cheapest for Drivers With Poor Credit Rating

Poor credit rating indicates the probability of a driver filing a claim while underinsured. Drivers with poor credit ratings often pay higher than those with a high rating.

Insurance Company Monthly Average Annual Average Cost
Geico $105 $1,262
USAA $124 $1,489
Nationwide $131 $1,577
Travelers $186 $2,233
Farmers $193 $2,316
Progressive $199 $2,390
American Family Insurance $203 $2,437
Iowa Farm Bureau $215 $2,590
State Farm $216 $2,592
Allstate $232 $2,789

Cheapest Full Coverage for Drivers Below 25 Years

These are the cheapest rates for young drivers with clean driving records for liability, comprehensive, and collision insurance combined.

Insurance Company Annual Average Monthly Average
1.    State Farm $2,408 $201
2.    Farmers Union $2,426 $202
3.    Farmers $2,697 $225
4.    Farm Bureau Financial Services $2,864 $239
5.    Auto-Owners $2,876 $240

Cheapest Minimum Coverage for Drivers Below 25 Years

These are the cheapest rates for young drivers who want to meet the minimum coverage by state.

Insurance Company Annual Average Monthly Average
1.    Farmers Union $707 $59
2.    State Farm $715 $60
3.    Electric Insurance $755 $63
4.    Auto-Owners $858 $72
5.    Farm Bureau Financial Services $858 $72

Cheapest Full Coverage for 60-Year Old

Insurance rates get lower with age. But beyond 60, they start to rise again. These are the rates for senior citizens in this age group with clean driving records.

Insurance Company Annual Average Monthly Average
1.    State Farm $1,108 $92
2.    Farmers $1,121 $93
3.    Farm Bureau Financial Services $1,178 $98
4.    Progressive $1,276 $106
5.    Farmers Union $1,314 $110

Cheapest Minimum Coverage for 60-Year Old

These are the rates for drivers in this age group who want the minimum coverage.

Insurance Company Annual Average Monthly Average
1.    Electric Insurance $289 $24
2.    State Farm $304 $25
3.    Farm Bureau Financial Services $311 $26
4.    Auto-Owners $356 $30
5.    Farmers Union $365 $30

Minimum Requirements for Car Insurance in Kansas

The insurance laws for Missouri require every driver to have liability insurance for injuries caused to third parties and damages to properties. This coverage includes $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damages. Failure to have liability insurance can lead to suspension of the driver’s license and vehicle registration.

How To Get Cheap Insurance in Kansas City

If you want to find cheap car insurance in Kansas City, you should shop around and compare rates for at least four companies. Keep in mind the rates shown above are average and may not reflect what you’ll pay. The insurance company will consider many factors when calculating your rates. These factors include your age, gender, driving record, the value of your car, zip code, and credit rating.

However, most insurance companies offer discounts to drivers with clean driving records. That’s one way you can minimize your insurance premiums. Other ways include taking advantage of multi-car and occupation discounts. For instance, active and former military members and their family members can benefit from cheaper rates from USAA.

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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