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Licensed property and casualty insurance agent
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Updated
Kansas City drivers pay an average of $127 per month for car insurance. Kansas City tends to have affordable rates compared to many major metropolitan areas, partly due to the city’s lower population density and traffic congestion.
Many insurance companies offer rates below the citywide average. State Farm, USAA, and American Family offer Kansas City’s cheapest car insurance, with rates starting at $59 per month.
This article will cover the cheapest insurers in Kansas City for different types of drivers, help you pick the right company for your needs, and share tips on saving money on your car insurance.
State Farm offers the cheapest car insurance in Kansas City, at $59 per month for liability-only coverage.
Kansas City drivers pay an average of $86 per month for liability coverage and $167 per month for full coverage.
Kansas requires minimum liability coverage of 25/50/25, plus personal injury protection and uninsured/underinsured motorist (UM/UIM) coverage.
Even with citywide averages in mind, you can still find excellent deals on car insurance. Several insurers consistently offer below-average rates in Kansas City.
The following table shows the cheapest insurers in Kansas City, based on Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $59 |
| USAA | $65 |
| American Family | $69 |
| Root | $70 |
| CSAA | $74 |
| Auto-Owners | $76 |
| Safeco | $82 |
| Progressive | $83 |
| Dairyland | $88 |
| National General | $88 |
| Bristol West | $90 |
| GEICO | $90 |
| Travelers | $100 |
| The General | $102 |
| Allstate | $109 |
| Direct Auto | $111 |
| Liberty Mutual | $129 |
| Farmers | $132 |
| Nationwide | $135 |
| Shelter | $160 |
State Farm stands out as the most affordable option, with rates starting at $59 per month.
The following sections break down the cheapest companies by driver demographics and coverage types to help you find the best match for your situation.
While the companies above provide a solid starting point, your personal rates can vary based on factors like your age, driving record, where you live, and coverage choices. That’s why you should compare rates from insurers offering the best deals to drivers with a similar profile to yours.
The table below highlights the cheapest companies for different driver backgrounds and coverage types, according to Compare.com research.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $59 |
| Full coverage | State Farm | $121 |
| Teens | State Farm | $117 |
| Seniors | State Farm | $46 |
| Drivers with a speeding ticket | State Farm | $75 |
| Drivers with an at-fault accident | State Farm | $81 |
| Drivers with a DUI | State Farm | $82 |
| Drivers with excellent credit | State Farm | $51 |
| Drivers with poor credit | State Farm | $85 |
Next, let’s break down each driver and coverage type to help you find the most affordable options.
Policies in Kansas City start as low as $59 per month.
Minimum-coverage car insurance in Kansas City averages $86 per month, according to Compare.com data.
But most insurance experts recommend purchasing more coverage than the state requires. That’s because minimum limits often won’t cover the full cost of a serious accident, leaving you personally responsible for the difference.[1]
If you need basic coverage that meets Kansas’ minimum requirements, the chart below highlights the five most affordable companies in Kansas City, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $59 |
| USAA | $65 |
| American Family | $69 |
| Root | $70 |
| CSAA | $74 |
| Auto-Owners | $76 |
| Safeco | $82 |
| Progressive | $83 |
| Dairyland | $88 |
| National General | $88 |
| Bristol West | $90 |
| GEICO | $90 |
| Travelers | $100 |
| The General | $102 |
| Allstate | $109 |
| Direct Auto | $111 |
| Liberty Mutual | $129 |
| Farmers | $132 |
| Nationwide | $135 |
| Shelter | $160 |
Most drivers should consider full-coverage auto insurance. Full coverage gives you better financial protection for your car and other people’s property. Full-coverage policies typically include comprehensive and collision insurance in addition to the required liability coverage.
Lenders and leasing companies will require you to purchase full coverage if you finance or lease your vehicle.[2]
Full coverage in Kansas City averages $167 per month. But even with higher rates, several insurers offer full coverage for close to the average liability price in Kansas City.
The chart below shows Kansas City’s five most affordable insurers for full coverage, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $121 |
| USAA | $133 |
| Root | $135 |
| American Family | $143 |
| National General | $154 |
| Auto-Owners | $157 |
| Progressive | $160 |
| CSAA | $170 |
| Safeco | $184 |
| GEICO | $185 |
| Direct Auto | $188 |
| Travelers | $209 |
| Bristol West | $224 |
| Allstate | $225 |
| Liberty Mutual | $244 |
| The General | $246 |
| Farmers | $272 |
| Dairyland | $277 |
| Nationwide | $278 |
| Shelter | $333 |
Teen drivers face some of the highest insurance rates of any age group. They have limited driving experience and statistically cause more accidents than older drivers.[3]Nationwide, the average teen pays nearly double what someone aged 20 or older pays, according to our data.
Kansas City teens pay an average of $242 per month for auto coverage. But you can still find a good deal if you’re a teen driver or have one on your policy.
This chart shows the five cheapest insurers for teen drivers in Kansas City, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $117 |
| USAA | $123 |
| Root | $125 |
| American Family | $134 |
| CSAA | $142 |
| Dairyland | $157 |
| Auto-Owners | $158 |
| Progressive | $158 |
| Bristol West | $164 |
| GEICO | $167 |
| Safeco | $170 |
| The General | $188 |
| Travelers | $213 |
| Direct Auto | $221 |
| Allstate | $221 |
| Liberty Mutual | $232 |
| Nationwide | $270 |
| Farmers | $270 |
| Shelter | $328 |
Senior drivers typically enjoy the cheapest car insurance rates of any age group. They usually have decades of driving experience and tend to drive more cautiously than younger drivers.[4]
Seniors in Kansas City pay an average of $110 per month for auto insurance, according to Compare.com data. But even with these low average rates, you can likely find an even better deal.
Here are the five cheapest insurers for seniors in Kansas City, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $46 |
| USAA | $53 |
| American Family | $55 |
| Root | $59 |
| CSAA | $59 |
| Auto-Owners | $60 |
| GEICO | $72 |
| Safeco | $72 |
| Progressive | $72 |
| Dairyland | $75 |
| Bristol West | $75 |
| Travelers | $80 |
| The General | $87 |
| Allstate | $89 |
| Direct Auto | $91 |
| Nationwide | $104 |
| Farmers | $105 |
| Liberty Mutual | $108 |
| Shelter | $114 |
Getting a ticket can increase your car insurance rates the next time your policy renews. Insurance companies view traffic violations as indicators of risky driving behavior.[5] Our research shows even a single speeding ticket causes average rates to increase by 28% nationwide.
Drivers with a recent ticket in Kansas City pay an average of $159 per month for car insurance, according to Compare.com data. But several insurers offer much lower rates to drivers with traffic violations.
The chart below highlights the five cheapest insurers for Kansas City drivers with a recent ticket, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $75 |
| USAA | $84 |
| American Family | $89 |
| Root | $93 |
| CSAA | $97 |
| Auto-Owners | $99 |
| Progressive | $104 |
| Safeco | $108 |
| Dairyland | $109 |
| Bristol West | $113 |
| GEICO | $118 |
| Travelers | $130 |
| The General | $136 |
| Direct Auto | $139 |
| Allstate | $142 |
| Liberty Mutual | $164 |
| Farmers | $169 |
| Nationwide | $175 |
| Shelter | $212 |
Causing an accident can make your rates jump substantially. At-fault accidents signal to insurers that you’re more likely to file a claim in the future. Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide.
Drivers with a recent accident in Kansas City pay an average of $178 per month for auto insurance, according to Compare.com data. But you can often find a better deal with one of the companies highlighted below.
Here are Kansas City’s five cheapest insurers for drivers with an at-fault accident, according to our research.
Company | Average Monthly Premium |
|---|---|
| State Farm | $81 |
| USAA | $90 |
| American Family | $96 |
| Root | $97 |
| Auto-Owners | $104 |
| CSAA | $114 |
| Progressive | $116 |
| Safeco | $118 |
| Dairyland | $120 |
| GEICO | $122 |
| Bristol West | $122 |
| Travelers | $139 |
| The General | $145 |
| Allstate | $151 |
| Direct Auto | $156 |
| Liberty Mutual | $177 |
| Farmers | $182 |
| Nationwide | $187 |
| Shelter | $223 |
A driving under the influence (DUI) conviction causes the sharpest increase in car insurance rates of any incident. Our research shows average rates increase by 59% nationwide after a DUI conviction.
Drivers with a DUI conviction in Kansas City pay an average of $169 per month, according to Compare.com data.
Getting a DUI can make it difficult to find coverage at all. That’s because many insurance companies won’t insure high-risk drivers. But some insurers specialize in high-risk drivers, including people with DUIs.[6]
The following chart shows the five cheapest insurers for Kansas City drivers with DUIs, according to our data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $82 |
| USAA | $90 |
| American Family | $96 |
| Root | $98 |
| CSAA | $103 |
| Auto-Owners | $105 |
| Progressive | $111 |
| Safeco | $121 |
| Dairyland | $122 |
| GEICO | $124 |
| Bristol West | $125 |
| The General | $136 |
| Travelers | $139 |
| Allstate | $151 |
| Direct Auto | $154 |
| Liberty Mutual | $179 |
| Farmers | $183 |
| Nationwide | $187 |
| Shelter | $224 |
Some insurance companies look at your credit history when calculating your rates. Studies show a correlation between credit scores and insurance claims. Insurance companies use a credit-based insurance score to determine your likelihood of defaulting on your bill or filing future claims.[7]
Drivers with poor credit in Kansas City pay an average of $157 per month for car insurance, according to Compare.com data. Our research shows drivers with poor credit pay 40% more than people with excellent credit.
But not all companies use credit, and some offer affordable rates regardless of your credit history.
This chart shows the five cheapest insurers for Kansas City drivers with bad credit, according to our research.
Company | Average Monthly Premium |
|---|---|
| USAA | $79 |
| American Family | $82 |
| State Farm | $85 |
| Root | $86 |
| CSAA | $91 |
| Safeco | $101 |
| Progressive | $103 |
| Dairyland | $108 |
| Bristol West | $110 |
| GEICO | $110 |
| Auto-Owners | $113 |
| Travelers | $123 |
| The General | $125 |
| Allstate | $134 |
| Direct Auto | $136 |
| Liberty Mutual | $154 |
| Farmers | $162 |
| Nationwide | $165 |
| Shelter | $196 |
Compare personalized quotes from Kansas City’s top insurers.
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Kansas, like nearly every state, requires all drivers to have car insurance. The Sunflower State’s auto insurance requirements include:[8]
Bodily injury liability: $25,000 per person and $50,000 per accident for injuries you cause to other people
Property damage liability: $25,000 per accident for damage you cause to other people’s property
Personal injury protection: $4,500 per person to cover your and your passengers’ medical expenses and lost wages, regardless of who’s at fault
Uninsured/underinsured motorist: $25,000 per person and $50,000 per accident to cover damage caused by drivers without enough insurance coverage
Most experts recommend buying coverage above the state’s minimum requirements. Minimum-coverage insurance often doesn’t give you enough financial protection in a serious accident. Lenders typically require you to have comprehensive and collision coverage if you finance or lease your car.
For example, if you cause an accident that results in $100,000 in medical bills, Kansas’ minimum of $25,000 per person bodily injury coverage would leave you personally responsible for paying the remaining $75,000.
We answered some common questions from drivers about car insurance in Kansas City. Check them out below.
Kansas City drivers pay a monthly average of $86 for liability coverage and $167 for full coverage, according to Compare.com data.
It depends. Your car insurance rates depend on several factors, including your address, driving history, age, and coverage choices. Drivers in Kansas City pay an average rate of $127 per month for car insurance. That’s compared to the national average of $140 per month.
State Farm offers the cheapest rates in Kansas City, with rates starting at $59, according to Compare.com data.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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