Cheapest Car Insurance Quotes in Kansas City

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Kansas City Car Insurance

^$ 32

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Kansas City

The car insurance rate in Kansas City is $1190 for a six-month policy, which is $137 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $497, making it a popular choice for budget-conscious drivers. Rates in Kansas City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Kansas City

$1190

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Kansas City

1st place: American Family

At $497 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $523 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $833 for six months, making it the third cheapest auto insurance company in Kansas City.

Kansas City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kansas City, KS is American Family, offering policies at just $497 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $523.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2168 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kansas City drivers find the best deals.

Cheap Car Insurance Companies in Kansas City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$497	$82
Auto-Owners Insurance Co	$523	$89
USAA	$833	$140
Travelers	$852	$144
Shelter	$1041	$175
Auto-Owners	$1107	$189
State Farm	$1228	$207
Nationwide	$1283	$216
Farmers	$1342	$226
Progressive	$1370	$231
Encompass	$1423	$237
Allstate	$1806	$304
Farm Bureau	$2168	$362

Key Takeaways

Way's key takeaways about car insurance in Kansas City

The auto insurance costs in Kansas City fall around $497 for six months.
The cheapest auto insurance company in Kansas City is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Kansas City at $1269 per month.

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Cheapest Minimum Liability Car Insurance in Kansas City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Kansas City are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Kansas City. Their Average 6 Month Premium is $188. Encompass is the most expensive at $269 for the same period.

Cheapest Liability Coverage in Kansas City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$188	$32
USAA	$188	$32
Iowa Farm Bureau	$235	$40
Farmers Union Insurance	$249	$42
American Family	$262	$44
Travelers	$262	$44
Auto-Owners	$269	$45
Electric	$269	$45
Kansas Farm Bureau	$281	$47
State Farm	$315	$53
Progressive	$356	$60
Shelter	$363	$61
Farm Bureau	$457	$78
Farmers	$504	$85
Allstate	$658	$111
Nationwide	$799	$133
Encompass	$269	$45

Cheapest Full Coverage Car Insurance in Kansas City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Kansas City is American Family at $82 per month and $497 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kansas City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$497	$82
Auto-Owners Insurance Co	$523	$89
USAA	$833	$140
Travelers	$852	$144
Shelter	$1041	$175
Auto-Owners	$1107	$189
State Farm	$1228	$207
Nationwide	$1283	$216
Farmers	$1342	$226
Progressive	$1370	$231
Encompass	$1423	$237
Allstate	$1806	$304
Farm Bureau	$2168	$362

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Average Car Insurance in Kansas City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Kansas City, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in Kansas City, Kansas, may be increasing due to several external factors. Kansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Kansas City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Kansas City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Nationwide	$847
30s	Nationwide	$728
40s	Nationwide	$590
50s	Nationwide	$540
60s	Nationwide	$515
70s	Nationwide	$558

Cheapest Car Insurance Rates for Teen Drivers in Kansas City,KS

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Kansas City at $42 per month. At $7612 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$249	$42
Iowa Farm Bureau	$276	$46
Farmers Union Insurance	$288	$49
American Family	$315	$53
Kansas Farm Bureau	$370	$63
Travelers	$959	$162
USAA	$1631	$275
State Farm	$2665	$449
Shelter	$2966	$499
Progressive	$3075	$518
Farmers	$3235	$545
Farm Bureau	$4605	$767
Allstate	$5383	$906
Nationwide	$7612	$1269

Teen Car Insurance Rates in KS by Age

Way Tip

If you are in your twenties Nationwide is the best choice for car insurance in Kansas City.

As young drivers face the highest rates in Kansas City, Nationwide offers the cheapest auto insurance rates at $847 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Kansas City, American Family is the cheapest car insurance provider. At $443 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Kansas City is State Farm, offering rates of around $6886 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$443	$76
Iowa Farm Bureau	$450	$75
Farmers Union Insurance	$457	$78
Travelers	$1061	$179
USAA	$1215	$207
Shelter	$1470	$247
Progressive	$1504	$253
Nationwide	$1685	$284
Farmers	$1792	$302
Allstate	$3128	$521
Farm Bureau	$3980	$677
State Farm	$6886	$1148

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Car Insurance Rates with An Accident in Kansas City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Kansas City, KS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Kansas City

The cheapest car insurance companies after an at-fault accident in Kansas City include AutoOwners Insurance Co and American Family, offering $228 and $262, respectively. Encompass is an expensive provider with an average six-month premium of $370.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$228	$38
American Family	$262	$44
Electric	$322	$54
Iowa Farm Bureau	$363	$62
Farmers Union Insurance	$383	$63
Auto-Owners	$402	$69
Kansas Farm Bureau	$510	$85
USAA	$692	$116
Travelers	$698	$118
State Farm	$812	$137
Shelter	$1148	$193
Progressive	$1470	$247
Farmers	$2443	$411
Allstate	$2719	$458
Farm Bureau	$2920	$487
Nationwide	$3732	$635
Encompass	$370	$63

Kansas City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kansas City KS. For example, the car insurance in Kansas City after a DUI increases to $1148 for a six month policy. While the rate increases by $256 for a six-month policy in the case of a speeding ticket.

Kansas City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1315	$219
One Med/PIP claim	$1315	$224
Not-at-fault accident	$1349	$225
Two Med/PIP claims	$1409	$240
One comp claim	$1416	$236
Failure to show documents	$1457	$247
Two comp claims	$1470	$245
Failure to wear a seat belt	$1484	$252
Child safety restraint	$1523	$254
Driving with expired registration	$1523	$259
Driving without lights	$1523	$254
Speeding 6 - 10 MPH over limit	$1571	$267
Cell phone violation	$1591	$266
Driving too slowly	$1591	$270
Texting while driving	$1591	$266
Failure to yield	$1605	$272
Following too closely	$1605	$268
Illegal turn	$1605	$272
Wrong way/wrong lane	$1605	$268
In 65 MPH zone	$1611	$273
Speeding 11 - 15 MPH over limit	$1611	$269
Failure to stop at a red light	$1618	$275
Improper passing	$1618	$270
Speeding in school zone	$1618	$275
Speeding 16 - 20 MPH over limit	$1624	$271
Open container	$1637	$278
Operating a vehicle without permission	$1651	$276
Passing school bus	$1664	$283
Speeding 21 - 25 MPH over limit	$1664	$278
At-fault accident - less than $1000	$1685	$287
At-fault accident - $1000-$2000	$1859	$310
At-fault accident - greater than $2000	$1859	$316
Racing	$2054	$342
Reckless driving	$2228	$379
Driving with a suspended license	$2416	$402
Refusal to submit to a chemical test	$2443	$416
DUI	$2463	$410
Leaving scene of an accident/hit and run	$2564	$436

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Kansas City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Kansas City.

The cheapest car insurance premiums in Kansas City are offered by American Family at $302 for a six-month policy. However, it can be as expensive as $5128 with companies like Farm Bureau.

Kansas City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$302	$51
Farmers Union Insurance	$443	$76
Travelers	$731	$123
Progressive	$940	$158
State Farm	$1194	$201
USAA	$1255	$211
Farmers	$1611	$271
Shelter	$1671	$281
Allstate	$2255	$380
Nationwide	$5094	$867
Farm Bureau	$5128	$854

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Kansas City are offered by Iowa Farm Bureau at $295. However, it can be as expensive as $3061 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Kansas City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$295	$50
American Family	$302	$51
Auto-Owners Insurance Co	$308	$52
Farmers Union Insurance	$329	$55
State Farm	$799	$134
Travelers	$812	$137
USAA	$826	$138
Progressive	$1121	$189
Farmers	$1511	$254
Shelter	$1550	$263
Allstate	$2262	$377
Farm Bureau	$2719	$462
Nationwide	$3061	$510

Car Insurance Price Trends in Kansas City, Kansas

Car insurance rates in Kansas City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Kansas City rose by $246 in January compared to $209 of December. In other words, there has been an increase by $37 when you compare January and December.

The average cost of liability insurance in the Kansas City rose to $56 in January, compared to $52 in December. This represents an increase of $4 when comparing January and December.

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Average Car Insurance Cost in Kansas City by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Kansas City. At $1285 for a six-month policy, insuring your car at 66101 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
66101	$1285	$216
66112	$1285	$216
66102	$1427	$240
66111	$1261	$212
66105	$1201	$202
66106	$1368	$230
66103	$1285	$216
66104	$1380	$232
66109	$1368	$230

Frequently Asked Questions

How much is car insurance in Kansas City?

The car insurance in Kansas City is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Kansas City?

The cheapest car insurance in Kansas City is $82 per month for full coverage.

How much is car insurance in Kansas City for teenagers?

Car insurance for teenagers costs $249 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Kansas City?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $200 per month to insure your car in Kansas City.

Is car insurance expensive in Kansas City?

Car insurance can be expensive in Kansas City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Kansas City can be affordable.

Cheapest Car Insurance Quotes in Kansas City

Why you can trust Way?

How Much Is Car Insurance in Kansas City

Avg. Car Insurance in Kansas City

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Kansas City

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Kansas City Car Insurance Rates by Company

Cheap Car Insurance Companies in Kansas City, KS

Way's key takeaways about car insurance in Kansas City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kansas City

Cheapest Liability Coverage in Kansas City, KS

Cheapest Full Coverage Car Insurance in Kansas City

Cheapest Full Coverage Car Insurance Quotes in Kansas City, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kansas City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Kansas City, KS increasing?

Car Insurance Premiums by Age in Kansas City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kansas City,KS

If you are in your twenties Nationwide is the best choice for car insurance in Kansas City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Kansas City

Cheapest Car Insurance Companies after an At-Fault Accident in Kansas City

Kansas City Car Insurance Rates by Violation

Kansas City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kansas City after a DUI

Kansas City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kansas City after Speeding ticket

Car Insurance Price Trends in Kansas City, Kansas

Average Car Insurance Cost in Kansas City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kansas City, KS

Car Insurance Rates by State in the USA (2025 Update)

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