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How much is car insurance in Kansas City?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Kansas City | $78 |
| MO | $76 |
| United States | $81 |
Looking at the chart above, you can see that the average monthly price in Kansas City is in line with pricing for the rest of Missouri.
That being said, the expected monthly payments for an auto insurance policy in Kansas City are below the national average. Car insurance rates for the United States as a whole are, on average, $3 more expensive than the rates you'd pay in Kansas City.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down average rates for Kansas City to help you get a more accurate idea of what you'll be charged for your policy. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
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Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | $281 |
| 18-24 | $121 |
| 25-34 | $66 |
| 35-44 | $77 |
| 45-54 | Not Enough Data |
| 55-64 | $57 |
| 65+ | $55 |
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to your monthly premium, that experience can really pay off. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may climb back up a bit in Kansas City.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $79 |
| Female | $77 |
In general, female drivers pay less for car insurance than their male counterparts. The price for car insurance in Kansas City, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $98 |
| Multiple Accidents | $139 |
| 1 Ticket | $94 |
| Multiple Tickets | $111 |
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Kansas City with one accident will pay around $98 a month. In addition, drivers with a single ticket on their record can expect to pay around $94 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $102 |
| 2-3 Years | $77 |
| 4-5 Years | $82 |
| 6-7 Years | $76 |
| 8-10 Years | $72 |
| 11-14 Years | $79 |
| 15 Years or Older | $77 |
According to the first table above, the cheapest vehicles to insure in Kansas City are usually trucks and vans, at $69 per month.
Car owners will see a monthly rate of about $79, while SUV owners by and large pay around $78 per month.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Kansas City, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $82 |
| Married | $60 |
| Divorced | $58 |
| Widowed | $49 |
On average, those who have settled down into marriage will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Kansas City is no exception, with the difference totaling to around $22 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $72 |
| Rent | $82 |
| Live with parents | $94 |
Another factor taken into consideration is your housing situation. If you rent your home or apartment, expect to pay around $10 a month more than drivers who own property in Kansas City. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Kansas City, MO
Recent trends in car insurance for Kansas City drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
Car insurance rates in Kansas City have been mixed as of late, they fell in 2017, rose in 2019, and dropped again in 2021, before finishing at $69 in 2022.
How does Kansas City compare to neighboring areas?
Why are car insurance rates in Kansas City different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Laws
- Amount of drivers in the region
- Access to off-street parking
- Area crime rates
- General road safety (how many accidents each locality has)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
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 by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies providing coverage in Kansas City.
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Kansas City Insurance FAQs
What factors affect car insurance quotes in Kansas City?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Kansas City different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, local laws, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Kansas City?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Kansas City?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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?
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