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Get Cheap Car Insurance in Kansas City, KS
We monitor insurance prices, helping the average driver in Kansas City save up to 29.5% on car insurance.
The Cheapest Minimum Coverage in Kansas City
The chart below shows the cheapest car insurance company in Kansas City for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Kemper, Farm Bureau, and Travelers.
| Kansas City Insurer | Monthly Cost |
|---|---|
| State Farm | $58 |
| Kemper | $60 |
| Farm Bureau | $62 |
| Travelers | $63 |
Savings for Every Kind of Kansas City Driver
Based on our extensive insurance data, we know the average Kansas City driver will save about 24% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $413 per year by choosing the right vehicle insurance company. Some Kansas City residents are paying out over $1,741 extra every year for auto insurance in Kansas City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Kansas City, KS Savings / Yr. |
|---|---|
$413 |
|
$657 |
|
$469 |
|
$769 |
|
$1,499 |
|
$383 |
|
$835 |
Kansas City Car Insurance vs. Kansas
People living in Kansas City pay an average of 11.23% more than the typical driver in the state. The average driver in Kansas City can expect to pay about $938 per year, or $1,741 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Kansas City for most people.
Car Insurance Prices by Kansas City Neighborhood
Insurance Prices
Where is insurance cheapest within Kansas City?
The map shows insurance prices in and around Kansas City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $589 per year within the city boundaries, with insurance premiums ranging from a high of $2,094 to a low of $1,505. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southwest parts of Kansas City.Pick the Best Car Insurance Company for You in Kansas City
The best car insurance provider for most drivers in Kansas City
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $413 over the average Kansas City car insurance company.
The best car insurance provider for Kansas City drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $657 over the competition.
The best car insurance company for Kansas City drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $469 better than other car insurance companies.
The best auto insurance for Kansas City drivers with a DUI conviction
Getting a quote from Dairyland may cost the average person with a DUI about $769 less each year.
The least expensive car insurance company for new and young drivers in Kansas City
In Kansas City, Geico costs young drivers $1,499 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Kansas City
State Farm gave the largest car insurance discounts to married couples, averaging $383 saved each year compared to an average Kansas City couple's premiums.
The cheapest car insurance in Kansas City for drivers with bad credit
The best Kansas City car insurance company for customer service
Nationwide was the best company for customer service in Kansas City according to the NAIC.
Recent price drops
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The cheapest large national provider in Kansas City
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Kansas City driver can expect to pay about $100 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Kansas City, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, drivers with a DUI conviction, and married couples.Auto Insurance Prices in and Around Kansas City
What Influences the Cost of Car Insurance in Kansas City?
On average, car insurance in Kansas City is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Kansas City is 26 minutes, which is about the national average for a driver in the state.
- Kansas state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Kansas City are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Kansas City is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Kansas City is $78 per month for minimum coverage and $145 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Roeland Park: Insurance costs 7.12% less
- Mission: Insurance costs 8.39% less
- Merriam: Insurance costs 9.42% less
- Lake Quivira: Insurance costs 10.17% less
- Parkville: Insurance costs 6.78% more
- Riverside: Insurance costs 9.19% more
- Westwood: Insurance costs 12.12% less
- Fairway: Insurance costs 11.43% less
- Houston Lake: Insurance costs 3.73% more
- Edwardsville: Insurance costs 9.71% less
Cities with Similar Populations
- Olympia: Insurance costs 19.01% less
- Odessa: Insurance costs 1.67% more
- Orem: Insurance costs 18.61% less
- Norwalk: Insurance costs 30.67% more
- Norwalk: Insurance costs 29.47% more
- Olathe: Insurance costs 9.71% less
- Orlando: Insurance costs 54.97% more
- Omaha: Insurance costs 16.48% less
- Ocala: Insurance costs 40.38% more
- North Las Vegas: Insurance costs 48.94% more