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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Drivers in Kansas City, Missouri, pay an average of $172 per month for car insurance, according to Compare.com data. The city’s severe weather events and higher-than-average crime rates may contribute to these costs. In fact, Missouri ranks in the top 10 nationwide for auto thefts, according to the National Insurance Crime Bureau.[1]
But that doesn’t mean you can’t find cheaper rates. Several companies offer rates below the citywide average, including USAA, State Farm, and Allstate. USAA has the cheapest liability rate, at just $40 per month.
This article breaks down the cheapest car insurance companies in Kansas City for different types of drivers, how to choose the right coverage, and money-saving tips to help reduce your premiums.
USAA offers the cheapest car insurance in Kansas City, at $40 per month, on average.
Kansas City drivers pay an average of $128 per month for liability coverage and $216 for full coverage.
Missouri requires drivers to have at least 25/50/25 in liability coverage and 25/50 in uninsured motorist coverage.
No matter what the average rates are, you can still find ways to save money on your car insurance in Kansas City. Several companies offer rates well below the citywide average, putting more money in your pocket.
The table below shows the cheapest car insurance companies in Kansas City, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $40 |
| State Farm | $47 |
| Allstate | $64 |
| GEICO | $70 |
| American Family | $81 |
| Clearcover | $87 |
| Progressive | $97 |
| Root | $104 |
| Shelter | $107 |
| Direct Auto | $109 |
| Safeco | $109 |
| Nationwide | $113 |
| National General | $115 |
| Auto-Owners | $117 |
| Travelers | $117 |
| Bristol West | $148 |
| Dairyland | $149 |
| GAINSCO | $160 |
| Foremost | $164 |
| The General | $166 |
| Liberty Mutual | $198 |
USAA offers the lowest average rates in Kansas City, at $40 per month. But it’s best to compare quotes from different companies, since your personal rate will depend on various factors.
With that in mind, let’s look at which companies offer the best rates for different driver profiles and coverage types.
While the companies above are a good starting point for your search, your personal rates can vary significantly based on personal factors like your age, driving history, credit history, and where you live in Kansas City. That’s why it’s important to compare quotes based on your unique situation.
In the table below, we compare the cheapest car insurance companies for various backgrounds and coverage types.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $40 |
| Full coverage | USAA | $68 |
| Teens | USAA | $74 |
| Seniors | USAA | $31 |
| Drivers with a speeding ticket | USAA | $53 |
| Drivers with an at-fault accident | USAA | $55 |
| Drivers with a DUI | USAA | $66 |
| Drivers with excellent credit | USAA | $40 |
| Drivers with poor credit | USAA | $45 |
The sections below include more detailed breakdowns for each driver type to help you find the best match for your situation.
Policies in Kansas City start as low as $40 per month.
Kansas City drivers pay an average of $128 per month for minimum liability coverage, according to Compare.com data. While this basic coverage meets legal requirements, most experts recommend purchasing higher limits for better protection. You should buy more than the state minimum to adequately protect your assets in case of a serious accident, according to the Insurance Information Institute (Triple-I).[2]
If you need basic coverage that meets Missouri’s minimum requirements while keeping costs down, the chart below highlights the five cheapest companies, according to Compare.com data.
Most drivers should consider full-coverage car insurance for better protection on the road. In addition to liability insurance, full coverage includes comprehensive and collision insurance, which protects your vehicle from damage in accidents, theft, vandalism, and natural disasters.
You may not need full coverage if your car is older or has little value.[3] If you finance or lease your car, your lender will require you to have full coverage until you pay off your loan.[4]
The average rate for full coverage in Kansas City is $216 per month, but some insurers get full coverage for prices closer to what you’d pay for basic liability insurance from some insurers.
The chart below shows the five cheapest car insurance companies for full coverage in Kansas City, according to Compare.com data.
Teens face some of the highest car insurance rates of any age group. Teen drivers are nearly three times more likely to be in a fatal crash than drivers age 20 and older, according to the Centers for Disease Control and Prevention (CDC).[5] Our data shows that nationwide, the average teen pays nearly twice as much as someone 20 or older.
In Kansas City, teen drivers pay an average of $333 per month for car insurance. But you can find a good deal if you’re a teen driver or have one on your policy.
Here are the five cheapest insurers in Kansas City for teens, according to Compare.com data.
Senior drivers typically enjoy some of the lowest car insurance rates. Older drivers tend to have fewer accidents than younger drivers because they often avoid high-risk driving situations like nighttime driving and bad weather, according to the Insurance Institute for Highway Safety.[6]
The average rate for seniors in Kansas City is $132 per month, according to Compare.com data. But even with these already-low rates, you can likely find even better deals from several companies.
Check out the five companies with the cheapest rates for Kansas City seniors, according to Compare.com data.
Getting a speeding ticket can cause your insurance rates to go up when your policy renews. Insurance companies view tickets as a sign that you’re more likely to get into another accident later. A ticket can stay on your record for three to five years in Missouri, affecting your premiums.[7]
Our research shows that even a single speeding ticket causes average rates to increase by 28% nationwide. In Kansas City, drivers with a recent ticket pay an average of $245 per month, according to Compare.com data. But the insurers in the chart below offer lower rates.
Causing an accident can make your insurance rates jump substantially. When you’re at fault in a crash, insurers see you as more likely to file claims in the future. At-fault accidents typically affect your rates for three to five years.
Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide. In Kansas City, drivers with a recent accident pay an average of $258 per month, according to Compare.com data. But the five insurers featured in the chart below offer cheaper rates.
A DWI conviction leads to the most significant spike in your car insurance premiums compared to any other incident. Average rates increase by 59% nationwide after a DWI conviction, according to our data.
In some cases, a DWI can make it difficult to find coverage at all, as some insurers won’t cover drivers with DWI convictions. Thankfully, some insurers specialize in high-risk drivers, even if you have a DWI.[8]
Kansas City drivers with a DWI pay an average of $292 per month, according to Compare.com data. But you’re not necessarily stuck with sky-high rates. Here are several companies offering more affordable coverage for Kansas City drivers with a DWI.
Some insurers look at your credit history when determining your car insurance rates. Companies use a credit-based insurance score to predict your likelihood of defaulting on your bill or filing claims in the future. That’s because studies show that people with poor credit tend to file more claims than people with excellent credit.[9]
Drivers with poor credit pay 40% more than people with excellent credit. Our research shows the average Kansas City driver with poor credit pays an average of $190 per month for coverage. But not all companies use credit, and some offer affordable rates regardless of your credit history, as shown in the chart below.
Compare personalized quotes from Kansas City's top insurers.
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Missouri, like nearly every state, requires all drivers to have car insurance. Here are the minimum coverage requirements you need to drive legally in the Show-Me State:
Bodily injury liability insurance: $25,000 per person and $50,000 per accident
Property damage liability insurance: $25,000 per accident
Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
The Missouri Department of Revenue requires all drivers to maintain continuous coverage on registered vehicles, even if you’re not driving them.
Most experts recommend buying coverage above Missouri’s minimum limits. But drivers should consider higher liability limits and optional coverages like comprehensive and collision to better protect themselves financially.
Say you cause a serious accident that results in $40,000 in property damage, your state-minimum coverage would only pay $25,000. You’d be personally responsible for the remaining $15,000, which could put your savings and assets at risk, so don’t risk it.
It’s important to keep in mind that if you finance or lease your car, your lender will require comprehensive and collision coverage until you pay off your loan.
Here are answers to some common questions about car insurance in Kansas City to help you make an informed decision.
Kansas City drivers pay an average of $172 per month for car insurance, according to our data. Liability-only coverage costs an average of $128 per month, while full coverage averages 216.
It depends. The average Kansas City driver pays $172 per month for auto coverage, compared to the national average of $150 per month.
USAA offers the cheapest car insurance in Kansas City, with an average rate of $40 per month, according to our data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
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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