Best Cheap Auto Insurance in Kansas City, KS (2021)

The average Kansas City, KS auto insurance rates are $343 per month. The minimum auto insurance in Kansas City is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Kansas City, Kansas, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in Kansas City is 21.1 minutes
  • The cheapest auto insurance company in Kansas City is American Family
  • The most expensive auto insurance company in Kansas City for teen drivers is Liberty Mutual

Kansas City, Kansas auto insurance requirements are 25/50/25 according to Kansas auto insurance laws. Finding cheap auto insurance in Kansas City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Kansas City, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Kansas City to other Kansas cities, including Topeka auto insurance rates, Olathe auto insurance rates, and Manhattan auto insurance rates to see how Kansas City, Kansas auto insurance rates stack up.

Before you buy Kansas City, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Kansas City, Kansas auto insurance quotes.

Minimum Auto Insurance in Kansas City, Kansas

Kansas City, Kansas auto insurance laws require that you have at least the Kansas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Kansas City, Kansas.

Minimum Required Auto Insurance Coverage in Kansas City, Kansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Kansas City, Kansas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Kansas City, Kansas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Kansas City, Kansas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,837 $3,703 $3,450 $3,555 $11,350 $12,832 $3,903 $4,026
American Family $1,880 $1,880 $1,700 $1,700 $3,785 $4,580 $1,880 $2,126
Farmers $2,797 $2,772 $2,492 $2,610 $7,944 $8,226 $3,155 $3,306
GEICO $2,762 $2,698 $2,794 $2,600 $5,266 $7,106 $3,278 $2,324
Liberty Mutual $2,906 $3,139 $2,830 $3,167 $14,651 $16,363 $3,131 $3,377
Nationwide $1,903 $1,949 $1,701 $1,823 $4,221 $5,138 $2,255 $2,393
Progressive $2,809 $2,666 $2,272 $2,368 $10,616 $11,977 $3,325 $3,575
State Farm $1,949 $1,949 $1,735 $1,735 $5,623 $7,114 $2,200 $2,511
Travelers $2,591 $2,632 $2,555 $2,580 $10,899 $17,030 $2,661 $3,096
USAA $1,506 $1,520 $1,391 $1,386 $5,505 $5,727 $2,008 $2,073

Cheap Kansas City, Kansas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Kansas City, Kansas is a challenge. Take a look at the annual teen auto insurance rates in Kansas City, Kansas.

Annual Auto Insurance Rates for Teen Drivers in Kansas City, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,350 $12,832
American Family $3,785 $4,580
Farmers $7,944 $8,226
GEICO $5,266 $7,106
Liberty Mutual $14,651 $16,363
Nationwide $4,221 $5,138
Progressive $10,616 $11,977
State Farm $5,623 $7,114
Travelers $10,899 $17,030
USAA $5,505 $5,727

Cheap Kansas City, Kansas Auto Insurance for Seniors

What are senior auto insurance rates in Kansas City, Kansas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Kansas City, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,450 $3,555
American Family $1,700 $1,700
Farmers $2,492 $2,610
GEICO $2,794 $2,600
Liberty Mutual $2,830 $3,167
Nationwide $1,701 $1,823
Progressive $2,272 $2,368
State Farm $1,735 $1,735
Travelers $2,555 $2,580
USAA $1,391 $1,386

Cheap Kansas City, Kansas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Kansas City, Kansas compared to the annual auto insurance rates with a clean record in Kansas City, Kansas.

Annual Kansas City, Kansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,961 $5,842 $6,886 $5,640
American Family $2,404 $2,554 $2,404 $2,404
Farmers $3,502 $4,525 $4,409 $4,215
GEICO $2,282 $3,716 $5,697 $2,718
Liberty Mutual $4,609 $7,068 $6,934 $6,170
Nationwide $2,032 $2,327 $4,024 $2,309
Progressive $4,562 $5,368 $4,777 $5,097
State Farm $2,849 $3,355 $3,102 $3,102
Travelers $3,971 $5,228 $7,254 $5,569
USAA $1,916 $2,612 $3,828 $2,201

Cheap Kansas City, Kansas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Kansas City, Kansas is not easy. Compare the annual rates for DUI auto insurance in Kansas City, Kansas to find the best deal.

Annual Auto Insurance Rates After a DUI in Kansas City, Kansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,886
American Family $2,404
Farmers $4,409
GEICO $5,697
Liberty Mutual $6,934
Nationwide $4,024
Progressive $4,777
State Farm $3,102
Travelers $7,254
USAA $3,828

Cheap Kansas City, Kansas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Kansas City, Kansas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Kansas City, Kansas

Insurance Company Poor Fair Good
Allstate $7,238 $5,496 $4,762
American Family $3,194 $2,249 $1,881
Farmers $4,882 $3,915 $3,692
GEICO $5,601 $2,961 $2,249
Liberty Mutual $6,195 $6,195 $6,195
Nationwide $2,946 $2,627 $2,445
Progressive $5,656 $4,775 $4,422
State Farm $4,518 $2,699 $2,090
Travelers $6,347 $5,186 $4,984
USAA $3,589 $2,373 $1,957

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Cheap Kansas City, Kansas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Kansas City, Kansas can vary. Compare the annual cost of auto insurance by ZIP code in Kansas City, Kansas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Kansas City, Kansas

ZIP Code Average Annual Rates
66101 $4,517
66102 $4,532
66103 $4,396
66104 $4,559
66105 $4,512
66106 $4,202
66109 $3,886
66111 $4,111
66112 $4,197
66115 $4,617
66118 $4,508
66160 $4,504

Cheap Kansas City, Kansas Auto Insurance Rates By Commute

Commute length and annual mileage affect Kansas City, Kansas auto insurance. Find the cheapest annual Kansas City, Kansas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Kansas City, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,832 $5,832
American Family $2,411 $2,472
Farmers $4,163 $4,163
GEICO $3,529 $3,678
Liberty Mutual $6,195 $6,195
Nationwide $2,673 $2,673
Progressive $4,951 $4,951
State Farm $3,024 $3,180
Travelers $5,506 $5,506
USAA $2,565 $2,714

Cheap Kansas City, Kansas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Kansas City, Kansas? Check out the comparison of annual Kansas City, Kansas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Kansas City, Kansas

Insurance Company Low Medium High
Allstate $5,600 $5,818 $6,078
American Family $2,451 $2,564 $2,309
Farmers $3,980 $4,138 $4,370
GEICO $3,476 $3,600 $3,735
Liberty Mutual $6,018 $6,178 $6,391
Nationwide $2,801 $2,646 $2,571
Progressive $4,669 $4,912 $5,272
State Farm $2,975 $3,111 $3,220
Travelers $5,198 $5,515 $5,804
USAA $2,538 $2,632 $2,748

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Best By Category: Cheapest Auto Insurance in Kansas City, Kansas

Compare the cheapest auto insurance companies in Kansas City, Kansas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Kansas City, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation USAA

The Cheapest Kansas City, Kansas Auto Insurance Companies

What auto insurance companies in Kansas City, Kansas are the cheapest? Compare the top Kansas City, Kansas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Kansas City, Kansas

Insurance Company Average Annual Rates
Allstate $5,832
American Family $2,441
Farmers $4,163
GEICO $3,603
Liberty Mutual $6,195
Nationwide $2,673
Progressive $4,951
State Farm $3,102
Travelers $5,506
USAA $2,639

What affects auto insurance rates in Kansas City, Kansas?

There are a lot of reasons why auto insurance rates in Kansas City, Kansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Kansas City, Kansas. Many local factors may affect your Kansas City auto insurance rates.

Kansas City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Kansas City, Kansas commute length is 21.1 minutes according to City-Data.

Kansas City Traffic

How does Kansas City, Kansas rank for traffic? According to Inrix Kansas City, Kansas is the 468th most congested worldwide.

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Compare Kansas City, Kansas Auto Insurance Quotes

Before you buy Kansas City, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Kansas City, Kansas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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