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How much is car insurance in Kansas City?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Kansas are about $7 a month cheaper than the rates drivers pay in Kansas City.
Compared to the national average cost of auto insurance coverage, Kansas City has lower rates. It's about $15 cheaper to insure your vehicle in Kansas City compared to the average rate for the United States as a whole.
Although these are the average car insurance rates in Kansas City, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't worry, we've done the work for you and broken down the average rates for Kansas City to help you understand what your monthly premium might be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, you may see your rates start to rise again in Kansas City.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The price for insurance coverage in Kansas City, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Kansas City, a driving record with one accident will usually get you a rate around $92 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $159.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$39|
|15 Years or Older||$63|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Kansas City, with drivers paying around $51 per month for auto insurance.
The cost of auto insurance for car and SUV owners in Kansas City usually comes out to about $67 per month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is close to 5 years old. In Kansas City, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
More often than not, married policyholders will pay slightly less for auto insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Kansas City, with married couples paying about $11 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Another factor that comes into play is your housing situation. Drivers who own property in Kansas City can expect to pay around $16 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Kansas City, KS
Recent trends in car insurance for Kansas City drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
The rates for auto insurance in Kansas City increased from from 2016-2017, when they hit a high of $79. This leveled out in 2018, when rates started to decrease. They reached a low of $59 in 2019, and finished down in 2021, at $61.
How does Kansas City compare to neighboring areas?
Why are car insurance rates in Kansas City different from other areas?
Car insurance companies will take into account a lot of factors when choosing how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Crime rates
- Community regulations
- Number of drivers in the region
- Availability of off-street parking
- Road Safety (frequency of local car accidents)
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Kansas City?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing policies in Kansas City.
Kansas City Insurance FAQs
What factors affect car insurance quotes in Kansas City?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Kansas City different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Kansas City?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Kansas City?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Kansas City or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?