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

The cheapest auto insurance in Kansas City, KS is from American Family, although rates will vary for each person. Kansas City, KS auto insurance must meet the state minimum requirements with coverage levels of 25/50/10 for liability and $4,500 in PIP coverage, along with uninsured/underinsured motorist coverage. Compare Kansas City, Kansas car insurance rates online to get the best price for you.

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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: Apr 30, 2021

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Things to Remember

  • The cheapest auto insurance company in Kansas City, KS is American Family
  • Kansas City, KS auto insurance rates are affected by driving record, credit, age, and location
  • An increase in thefts in your city could increase comprehensive coverage rates

Kansas City, KS auto insurance rates are $3,886 per year, which is $46 cheaper than the national average. You can save on Kansas City, Kansas auto insurance by shopping around, comparing rates, and looking for discounts.

Continue reading to learn how you can find cheap auto insurance in Kansas City for every age, credit history, and driving record.

Are you ready to find affordable Kansas City, KS auto insurance? Enter your ZIP code above to get started comparing multiple companies in your area.

What is the cheapest Kansas City, KS auto insurance company?

The cheapest Kansas City, KS car insurance company is American Family. How does American Family compare to other top companies in Kansas City, KS? Let’s compare.

  • American Family – $2,441.22
  • USAA – $2,639.32
  • Nationwide – $2,672.84
  • State Farm – $3,102.04
  • GEICO – $3,603.48
  • Farmers – $4,162.65
  • Progressive – $4,950.96
  • Travelers – $5,505.58
  • Allstate – $5,832.11
  • Liberty Mutual – $6,195.47

There are a lot of factors that determine your auto insurance rates. To secure an affordable Kansas City, KS car insurance policy, you’ll need to maintain a clean driving record.

Combined with a good credit score, a clean driving record will help you to find affordable Kansas City, KS auto insurance quotes.

In addition to driving record and credit, there are other factors that impact Kansas City, KS auto insurance rates. Factors such as age and gender can drive up the cost of Kansas City auto insurance.

Even your ZIP code is a factor. The cheapest ZIP code in Kansas City is 66109, but the most expensive ZIP code is 66115. If you drive your vehicle less than average, you can save money on Kansas City, KS auto insurance rates.

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What are the auto insurance requirements in Kansas City, KS?

All Kansas City drivers need the minimum requirements for Kansas auto insurance to operate a motor vehicle in the state. Here’s a list of what you should have:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $10,000 per incident for property damage
  • $4,500 in personal injury protection (PIP) coverage (medical benefit)
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

Kansas is a no-fault state, which is why PIP coverage is required. It’s recommended that most drivers carry more than the state minimum to avoid out-of-pocket costs.

What affects auto insurance rates in Kansas City, KS?

Kansas City is one of the cities in the United States that’s split between two states. What does this mean for your auto insurance?

Cities with higher populations increase the risk of filing a claim. That’s why Kansas City auto insurance rates are higher than the national average.

FBI statistics aren’t currently available for Kansas City. However, City-Data reported 989 auto thefts in 2015.

This could be considered a moderate risk for car insurance companies. Therefore, you may pay higher than average rates for comprehensive coverage.

You can offset the increase by raising your deductible. Or you can opt-out of full coverage auto insurance altogether to save money.

Kansas City, KS Auto Insurance: What’s the bottom line?

Kansas City, KS auto insurance is cheaper than the national average, but only in specific ZIP codes and auto insurance providers. Your personal factors will have a major impact on your auto insurance rates in Kansas City, KS.

Before you buy Kansas City, KS auto insurance, be sure you’ve checked rates with the best companies. Enter your ZIP code below to get fast, free Kansas City, KS auto insurance quotes.

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

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