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How much is car insurance in Kansas City?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Kansas City as it is in the rest of Missouri.
Car insurance rates in Kansas City are often favorable when viewed against the rest of the country. It's about $2 cheaper than the national average to insure your vehicle in Kansas City.
While these are the average car insurance rates for Kansas City, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down the average rate for Kansas City residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 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. You may see your rates creep back up once you hit retirement in Kansas City.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. While male drivers actually pay slightly less than female drivers on their monthly insurance rates, the difference in Kansas City is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Kansas City, a driving record with a single accident will usually get you a rate around $96 a month. Likewise, drivers with one ticket will be looking at a rate of around $131 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$108|
|15 Years or Older||$79|
In terms of affordable coverage, the cheapest vehicles to insure in Kansas City are typically trucks and vans, at $71 per month.
SUV drivers will see rates of about $79 for auto insurance coverage, while car owners by and large pay around $78 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, you may see your bill start to shrink 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)||$83|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Kansas City can be as much as $22 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$105|
Your housing status is another component of how insurance companies calculate your monthly rate. In Kansas City, homeowners can expect to pay around $14 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
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 average premiums.
Car Insurance Companies in Kansas City, MO
Recent trends in car insurance for Kansas City drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Kansas City, the rates for car insurance dropped from 2016-2017, before leveling out in 2018. Policy premiums have been increasing again recently, and finished up at $107 in 2021.
How does Kansas City compare to neighboring areas?
Why are car insurance rates in Kansas City different from other areas?
Car insurance companies take in a lot of factors when deciding how much individual insurance policies will cost. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Regional laws
- Amount of drivers in the area
- Road Safety (frequency of car accidents)
- Crime rates
- Off-street parking accessibility
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Kansas City?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer policies in Kansas City.
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 age and gender, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Kansas City different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
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 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?