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

The average Kansas City, MO auto insurance rates are $317 per month. The minimum auto insurance in Kansas City is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Kansas City, Missouri, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 cheapest auto insurance company in Kansas City is USAA
  • The most expensive auto insurance company in Kansas City for teen drivers is Liberty Mutual
  • The average commute length in Kansas City is 22.0 minutes

Kansas City, Missouri auto insurance requirements are 25/50/25 according to Missouri 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, Missouri, including driving record, credit, commute time, and more.

Compare auto insurance in Kansas City to other Missouri cities, including St. Joseph auto insurance rates, Independence auto insurance rates, and Springfield auto insurance rates to see how Kansas City, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Kansas City, Missouri

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

Minimum Required Auto Insurance Coverage in Kansas City, Missouri

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, Missouri Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Kansas City, Missouri 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, Missouri

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 $2,956 $2,851 $2,667 $2,750 $8,437 $9,142 $2,813 $2,900
American Family $2,471 $2,471 $2,202 $2,202 $6,829 $8,870 $2,471 $2,882
Farmers $2,603 $2,588 $2,317 $2,462 $11,067 $11,442 $2,978 $3,105
GEICO $2,134 $2,409 $1,658 $2,162 $6,905 $7,296 $1,922 $1,918
Liberty Mutual $3,148 $3,409 $2,592 $2,908 $11,254 $12,492 $3,308 $3,517
Nationwide $1,786 $1,819 $1,603 $1,691 $4,647 $5,924 $2,049 $2,209
Progressive $2,556 $2,321 $2,090 $2,166 $8,587 $9,577 $3,078 $3,073
State Farm $1,999 $1,999 $1,813 $1,813 $6,007 $7,528 $2,253 $2,583
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

Cheap Kansas City, Missouri Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,437 $9,142
American Family $6,829 $8,870
Farmers $11,067 $11,442
GEICO $6,905 $7,296
Liberty Mutual $11,254 $12,492
Nationwide $4,647 $5,924
Progressive $8,587 $9,577
State Farm $6,007 $7,528
USAA $4,587 $5,609

Cheap Kansas City, Missouri Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,667 $2,750
American Family $2,202 $2,202
Farmers $2,317 $2,462
GEICO $1,658 $2,162
Liberty Mutual $2,592 $2,908
Nationwide $1,603 $1,691
Progressive $2,090 $2,166
State Farm $1,813 $1,813
USAA $1,391 $1,422

Cheap Kansas City, Missouri 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, Missouri compared to the annual auto insurance rates with a clean record in Kansas City, Missouri.

Annual Kansas City, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,679 $4,167 $5,227 $4,185
American Family $2,841 $4,073 $5,035 $3,250
Farmers $4,140 $5,202 $5,082 $4,856
GEICO $2,522 $3,341 $4,584 $2,755
Liberty Mutual $3,854 $5,568 $5,724 $6,168
Nationwide $2,115 $2,740 $3,687 $2,324
Progressive $3,603 $4,872 $4,009 $4,240
State Farm $2,969 $3,530 $3,250 $3,250
USAA $2,036 $2,458 $3,392 $2,217

Cheap Kansas City, Missouri Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,227
American Family $5,035
Farmers $5,082
GEICO $4,584
Liberty Mutual $5,724
Nationwide $3,687
Progressive $4,009
State Farm $3,250
USAA $3,392

Cheap Kansas City, Missouri Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $5,956 $3,830 $3,158
American Family $4,964 $3,493 $2,942
Farmers $5,495 $4,596 $4,369
GEICO $4,563 $2,968 $2,371
Liberty Mutual $7,640 $4,674 $3,671
Nationwide $3,205 $2,649 $2,295
Progressive $4,862 $4,004 $3,677
State Farm $4,538 $2,883 $2,328
USAA $4,216 $1,958 $1,402

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Cheap Kansas City, Missouri Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
64101 $3,377
64102 $3,392
64105 $3,246
64106 $3,412
64108 $3,226
64109 $3,697
64110 $3,332
64111 $3,235
64112 $3,174
64113 $3,116
64114 $2,985
64116 $2,930
64117 $2,890
64118 $2,857
64119 $2,791
64120 $3,522
64123 $3,736
64124 $3,735
64125 $3,524
64126 $3,387
64127 $3,721
64128 $3,711
64129 $3,219
64130 $3,676
64131 $3,147
64132 $3,590
64133 $3,082
64134 $3,159
64136 $2,948
64137 $3,117
64138 $3,114
64139 $2,905
64145 $2,996
64146 $2,995
64147 $3,061
64149 $2,931
64151 $2,811
64152 $2,835
64153 $2,814
64154 $2,796
64155 $2,755
64156 $2,725
64157 $2,694
64158 $2,788
64161 $2,899
64164 $2,733
64165 $2,792
64166 $2,754
64167 $2,749

Cheap Kansas City, Missouri Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,315 $4,315
American Family $3,762 $3,837
Farmers $4,820 $4,820
GEICO $3,242 $3,359
Liberty Mutual $5,329 $5,329
Nationwide $2,716 $2,716
Progressive $4,181 $4,181
State Farm $3,170 $3,329
USAA $2,433 $2,618

Cheap Kansas City, Missouri Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,159 $4,306 $4,479
American Family $3,683 $3,919 $3,798
Farmers $4,502 $4,773 $5,186
GEICO $3,069 $3,330 $3,502
Liberty Mutual $5,014 $5,359 $5,613
Nationwide $2,545 $2,741 $2,863
Progressive $3,635 $4,198 $4,710
State Farm $3,023 $3,262 $3,464
USAA $2,420 $2,517 $2,640

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

Compare the cheapest auto insurance companies in Kansas City, Missouri 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, Missouri

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Kansas City, Missouri Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,315
American Family $3,800
Farmers $4,820
GEICO $3,301
Liberty Mutual $5,329
Nationwide $2,716
Progressive $4,181
State Farm $3,250
USAA $2,526

What affects auto insurance rates in Kansas City, Missouri?

There are a lot of reasons why auto insurance rates in Kansas City, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Kansas City, Missouri. 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, Missouri commute length is 22.0 minutes according to City-Data.

Kansas City Traffic

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

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Compare Kansas City, Missouri Auto Insurance Quotes

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