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Get Cheap Car Insurance in Kansas City, MO
We monitor insurance prices, helping the average driver in the Kansas City area save up to 28.5% 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 Travelers, Safeco Insurance, and Clearcover.
| Kansas City Insurer | Monthly Cost |
|---|---|
| State Farm | $71 |
| Travelers | $71 |
| Safeco Insurance | $72 |
| Clearcover | $77 |
Savings for Every Kind of Kansas City Driver
Based on our extensive insurance data, we know the average Kansas City driver will save about 27% 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 $504 per year by choosing the right vehicle insurance company. Some Kansas City residents are paying out over $1,868 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, MO Savings / Yr. |
|---|---|
$504 |
|
$703 |
|
$643 |
|
$720 |
|
$1,519 |
|
$392 |
|
$602 |
Kansas City Car Insurance vs. Missouri
People living in Kansas City pay an average of 3.74% more than the typical driver in the state. The average driver in Kansas City can expect to pay about $1,150 per year, or $1,868 for full coverage.
Based on our analysis, Clearcover 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 $831 per year within the city boundaries, with insurance premiums ranging from a high of $2,483 to a low of $1,652. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northwest 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, Clearcover is the best option, with annual savings of $504 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, Travelers saved the average person who had been in an accident the most, with annual savings averaging $703 over the competition.
The best car insurance company for Kansas City drivers with speeding tickets
>Clearcover gave the average person with a speeding ticket the most savings, averaging $643 better than other car insurance companies.
The best auto insurance for Kansas City drivers with a DUI conviction
Getting a quote from Clearcover may cost the average person with a DUI about $720 less each year.
The least expensive car insurance company for new and young drivers in Kansas City
In Kansas City, Travelers costs young drivers $1,519 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 $392 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 Travelers for pricing. The average Kansas City driver can expect to pay about $114 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 speeding tickets, drivers with bad credit, drivers with a DUI conviction, married couples, good drivers, drivers with accidents, and young drivers.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:
- Missouri state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in the Kansas City area are lower than average 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 most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Kansas City is $96 per month for minimum coverage and $156 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
- North Kansas City: Insurance costs 2.57% less
- Avondale: Insurance costs 2.41% less
- Randolph: Insurance costs 7.07% less
- Westwood: Insurance costs 18.09% less
- Northmoor: Insurance costs 3.43% more
- Riverside: Insurance costs 1.77% more
- Oaks: Insurance costs 4.34% less
- Roeland Park: Insurance costs 13.44% less
- Fairway: Insurance costs 17.45% less
- Houston Lake: Insurance costs 3.32% less
Cities with Similar Populations
- Northridge: Insurance costs 34.31% more
- Oshkosh: Insurance costs 42.29% less
- Oceanside: Insurance costs 6.10% more
- Overland Park: Insurance costs 15.90% less
- Orange: Insurance costs 14.94% more
- Fort Smith: Insurance costs 8.08% less
- Gastonia: Insurance costs 30.03% less
- Fremont: Insurance costs 11.67% more
- Florence: Insurance costs 8.78% less
- Fontana: Insurance costs 20.18% more