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Cheap Car Insurance Kansas City, MO

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Key takeaways

  • Kansas City, MO, car insurance consumers save $1209 on average.
  • To save on auto insurance, compare quotes from as many companies as possible and choose the cheapest.
  • State Farm offers Kansas City's cheapest insurance prices.

How much does car insurance cost in Kansas City?

Kansas City, Missouri, car insurance costs $1209 annually. That's less than Missouri's average of $1329 and the national average of $1557.

Learn how much you'll pay in Kansas City based on your credit score, gender, marital status, and other characteristics.

Kansas City vs Missouri vs National Average

Kansas City (annual) Missouri United States Average
$1746 $1587 $1557

Kansas City Auto Insurance Premiums by Company

We've identified the cheapest auto insurers in Kansas City. This is a starting point; examine quotes customized to your driving profile.

Insurance Company Average Rate (annual)
State Farm $1371
American Family $1911
Progressive $1950
Farmers $1971

Kansas City Auto Insurance Premiums by Age group

Kansas City drivers in their 60s pay $1680 annually.

Kansas City's teen drivers spend the most on insurance. Insurance prices reduce for Kansas City drivers in their 20s. The rate difference between teenage and 20-year-old drivers in Kansas City is $4,826.

Age tier Average Yearly Rate
20s $2703
30s $1950
60s $1680

Kansas City Auto Insurance Premiums by Marital status

Marital status may affect car insurance costs. Single drivers pay more since they're more prone to file claims. Kansas City married drivers pay $189 less for auto insurance. Widows pay less than singles. Widowed drivers pay less in Kansas City.

Marital Status Average Annual Rate
Single $2007
Married $1818
Divorced $1950
Widowed $1911

Kansas City Auto Insurance Premiums by Gender

Gender affects car insurance rates. In Kansas City, women pay $18 more annually than men.

Gender Average Annual Rate
Female $2019
Male $2001

Kansas City Auto Insurance Premiums by Driving Record

Clean driving records reduce vehicle insurance prices. However, insurance rates for speeding, reckless driving, DUIs, DWIs, and at-fault accidents can rise.

DUI and irresponsible driving are expensive tickets. Reckless drivers in Kansas City risk an average $745 annual insurance rate rise. A DUI can cost $742, and a speeding ticket $451.

Incident/Violation Average Yearly Rate
DUI/DWI $2748
Reckless Driving $2757
At-fault Accident $3009
Speeding Ticket $2463

Kansas City Auto Insurance Premiums by Credit Rating

Credit affects insurance ratings. Bad-credit drivers pay more for auto insurance than good-credit ones. For example, Kansas City drivers with a "Very Poor" (300-579) credit score might save 67% on auto insurance.

Moving from "Very Poor" to "Fair" credit could affect your auto insurance rate. Going to the "Fair" credit category saves $2,031 on insurance annually in Kansas City.

Credit Score Average Yearly Rate
Very Poor $4494
Fair $2469
Good $2010
Very Good $1752
Exceptional $1509

Kansas City Auto Insurance Premiums by ZIP Code

Kansas City's neighborhoods affect auto insurance prices. For example, your driving record, credit score, and residence address affect car insurance prices. Why?

ZIP code-based crime, theft, and uninsured drivers. If you live in a community that doesn't get along with others, your auto insurance rates may be higher than a neighbor's. Kansas City's no exception.

The area of 64152 in Kansas City has the lowest car insurance rates. The average yearly cost of auto insurance for residents is $141 less than that of residents in the city's most expensive ZIP code, 64133, who shell out $1269 on average.

ZIP code Average cost
64152 $1,119
64119 $1,142
64118 $1,154
64133 $1,253
64101 $2058
64102 $2058
64105 $2052
64106 $2097
64108 $2061
64109 $2163
64110 $2127
64111 $2061
64112 $2028
64113 $1741
64114 $1698
64116 $1596
64117 $1599
64120 $2118

What would increase your car insurance rate in Kansas City?

Your car, driving style, demographics, and the coverages, limitations, and deductibles you select are a few variables that could impact your auto insurance prices. These elements could include your age, the anti-theft equipment in your car, and your driving history.

It's crucial to remember that other factors may also influence the price you pay for auto insurance, even while cutting or eliminating coverages to minimize your rate may be tempting.

Auto theft statistics in Kansas City

The rate of auto theft in Kansas City, Missouri, was 854.57 per 100,000 people in 2018, a 6.39% decrease from 2017.

Accidents Statistics in Kansas City

Even while car accidents are a regrettably inevitable part of the time spent driving, accident rates differ from city to city and state.

When comparing all Missouri towns' drivers' car accident rates, Kansas City drivers come in 49th place. 8.3% of Kansas City drivers have experienced an accident.

Auto insurance in Kansas City

Every car used or parked on a Missouri road must be insured.

You must always have proof of insurance with you in your vehicle and be able to provide it when:

  • Demand from law enforcement
  • Car registration renewal
  • Involved in an accident

In Missouri, private passenger cars must have the following minimum levels of liability insurance:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

Bodily injury coverage is a crucial component of your liability insurance and pays for the medical costs associated with accident-related injuries to individuals other than the policyholder.

Because Missouri is an at-fault state, the driver who caused the collision is also liable for covering any related costs, either through their auto insurance company or personally.

  • $10,000 for property damage per incident

This coverage covers the cost of repairing the property of the other parties involved in an accident, even if it is ruled that one of the drivers is at fault. Additionally, if the insured driver is named in a subsequent lawsuit, property damage coverage may pay the associated legal fees.

  • $25,000 per person for uninsured/underinsured motorists
  • $50,000 per accident for uninsured/underinsured motorists

After a car accident, uninsured and underinsured motorist coverage pays for damages brought on by a driver with little or no insurance. For physical injuries, Missouri requires this coverage.

Does Kansas City an at-fault or no-fault policy?

For auto accidents, Kansas City follows an at-fault policy. Kansas City car owners must have certain liability insurance on their insurance plans. If you are hurt in an accident that was the fault of another driver, liability insurance should cover your medical costs and any associated losses.

Tips for Driving in Kansas City

Kansas City in Missouri, is a driving city. However, it still has a solid public transportation network so that you can get around. A local transit system called RideKC provides streetcar, bike, and bus rides (available downtown only). Some neighborhoods can also be traversed on foot. However, there are no consistent pathways connecting the various neighborhoods.

The most practical way to get around in Kansas City is by owning a car, so if you're considering moving there, you should make that investment.

Use Way.com to find inexpensive auto insurance in Kansas City.

Driving Conditions

Rainy conditions accompany sloppy roads, wet brakes, and reduced visibility.

The worst of it is not even that. Each year, more than 700,000 car accidents are caused by the weather. A 39.1-inch annual rainfall and 91 wet days are expected in Kansas City. Severe winter storms have also been known to hit Kansas City.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQs

How to find the cheapest car insurance in Kansas City?

To save on auto insurance, compare quotes from as many companies as possible and choose the cheapest. Use Way.com to find inexpensive auto insurance in Kansas City

Does Kansas City have no-fault insurance?

For auto accidents, Kansas City follows an at-fault policy. Kansas City car owners must have certain liability insurance on their insurance plans. If you are hurt in an accident that was the fault of another driver, liability insurance should cover your medical costs and any associated losses.

How much is car insurance in Kansas City, Mo?

Kansas City, Missouri, car insurance costs $1209 annually. That's less than Missouri's average of $1329 and the national average of $1557.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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