Cheapest Car Insurance Quotes in Kansas City

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Kansas City Car Insurance

^$ 31

/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 $1089 for a six-month policy, which is $125 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $523, 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

$1089

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Kansas City

1st place: AutoOwners Insurance Co

At $523 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $772 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $819 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 AutoOwners Insurance Co, offering policies at just $523 for a six-month term. This is followed by Travelers, which has an average six-month premium of $772.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1738 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
Auto-Owners Insurance Co	$523	$87
Travelers	$772	$130
American Family	$819	$138
USAA	$819	$138
Nationwide	$893	$150
Shelter	$966	$163
Auto-Owners	$1107	$184
State Farm	$1121	$189
Progressive	$1228	$207
Farmers	$1262	$212
Encompass	$1423	$237
Farm Bureau	$1497	$254
Allstate	$1738	$293

Key Takeaways

Way's key takeaways about car insurance in Kansas City

The auto insurance costs in Kansas City fall around $523 for six months.
The cheapest auto insurance company in Kansas City is USAA.
Teen drivers pay the highest rate in Kansas City at $869 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.

USAA provides the cheapest minimum car insurance coverage in Kansas City. Their Average 6 Month Premium is $181. 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
USAA	$181	$31
Auto-Owners Insurance Co	$188	$32
Iowa Farm Bureau	$235	$40
Farmers Union Insurance	$249	$42
Travelers	$255	$43
Auto-Owners	$269	$45
Electric	$269	$45
Kansas Farm Bureau	$281	$47
Progressive	$288	$49
American Family	$295	$50
State Farm	$295	$50
Farm Bureau	$302	$51
Shelter	$342	$58
Farmers	$490	$82
Allstate	$651	$110
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 AutoOwners Insurance Co at $87 per month and $523 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kansas City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$523	$87
Travelers	$772	$130
American Family	$819	$138
USAA	$819	$138
Nationwide	$893	$150
Shelter	$966	$163
Auto-Owners	$1107	$184
State Farm	$1121	$189
Progressive	$1228	$207
Farmers	$1262	$212
Encompass	$1423	$237
Farm Bureau	$1497	$254
Allstate	$1738	$293

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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	$863
30s	Nationwide	$742
40s	Nationwide	$601
50s	Nationwide	$550
60s	Nationwide	$524
70s	Nationwide	$570

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 $5162 for a six-month premium, Allstate 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
Kansas Farm Bureau	$370	$61
Travelers	$799	$134
American Family	$1409	$237
USAA	$1671	$281
State Farm	$2356	$397
Shelter	$2625	$442
Progressive	$2644	$445
Farmers	$3048	$513
Farm Bureau	$3370	$562
Allstate	$5162	$869

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 $863 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, Iowa Farm Bureau is the cheapest car insurance provider. At $450 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 $4739 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$450	$77
Farmers Union Insurance	$457	$76
Nationwide	$490	$84
Travelers	$859	$145
USAA	$1094	$186
Progressive	$1121	$189
Shelter	$1215	$205
American Family	$1242	$209
Farmers	$1611	$271
Farm Bureau	$2765	$461
Allstate	$2900	$493
State Farm	$4739	$790

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Save up to $971/yr on car insurance rates in Kansas City.

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 Electric, offering $228 and $322, 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
Electric	$322	$54
Iowa Farm Bureau	$363	$60
Farmers Union Insurance	$383	$66
Auto-Owners	$402	$67
Kansas Farm Bureau	$510	$87
Travelers	$577	$97
USAA	$664	$112
State Farm	$738	$124
American Family	$785	$132
Shelter	$1034	$174
Progressive	$1302	$219
Farmers	$2262	$381
Farm Bureau	$2269	$385
Allstate	$2511	$423
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 Farmers Union Insurance at $443 for a six-month policy. However, it can be as expensive as $3557 with companies like Farm Bureau.

Kansas City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$443	$76
Travelers	$611	$103
American Family	$725	$122
Progressive	$819	$138
State Farm	$1000	$168
USAA	$1288	$217
Shelter	$1477	$249
Farmers	$1504	$253
Allstate	$2162	$364
Farm Bureau	$3557	$593

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 $3840 with companies like Allstate 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
Auto-Owners Insurance Co	$308	$52
Farmers Union Insurance	$329	$55
Travelers	$651	$110
American Family	$705	$119
USAA	$712	$119
State Farm	$725	$122
Progressive	$973	$164
Farm Bureau	$1283	$218
Shelter	$1429	$238
Farmers	$1537	$259
Allstate	$3840	$640

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 $209 in December compared to $208 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Kansas City rose to $52 in December, compared to $51 in November. This represents an increase of $1 when comparing December and November.

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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 $1176 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	$1176	$197
66112	$1176	$197
66102	$1307	$219
66111	$1154	$194
66105	$1100	$184
66106	$1252	$210
66103	$1176	$197
66104	$1263	$212
66109	$1252	$210

Frequently Asked Questions

How much is car insurance in Kansas City?

The car insurance in Kansas City is $31 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 $87 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 $964 for a six-month policy. It will cost around $183 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: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

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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