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Kansas City Car Insurance

How much does car insurance cost in Kansas City, MO? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Kansas City?

Kansas City, Kansas is known for its jazz heritage, its fountains and its world-class barbecue. The American Jazz Museum celebrates jazz through the years and you'll find jazz any day if you wander along the city's historic 18th and Vine Jazz District. The Nelson-Atkins Museum of Art has more than 40,000 works of art ranging from ancient artworks to contemporary collections. You can also visit the Harry S. Truman Library and Museum, Kemper Museum of Contemporary Art and the National WWI Museum and Memorial.

Kansas City also is home to the Kansas City Royals baseball team, the Worlds of Fun amusement park and the Kansas City Zoo. For children, there is Science City and the Legoland Discovery Center. Those looking for some time with nature should visit Jacob L. Loose Park with its rose gardens and tranquil green spaces.

Despite the mass transit options around Kansas City, you may want to get around in your own car. Are you looking for cheaper car insurance rates? Getting quotes from several different auto insurance providers will help you find the best rates. With access to more than 200 insurance companies, SmartFinancial can do the work for you after you fill out one quick form.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Missouri has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Kansas City typically pay around $122.01 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Missouri $106.68
Kansas City, Missouri $122.01

Kansas City, MO Best Car Insurance Companies

car insurance in Kansas City

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Kansas City coming in around $61.02 per month. Other companies to consider if you live in Kansas City is State Farm with an average cost of $121.74 per month and Auto-Owners Insurance Co which typically runs around $126.17 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Kansas City.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $61.02-42.80%
2 State Farm $121.7414.12%
3 Auto-Owners Insurance Co $126.1718.27%
4 MO Farm Bureau Services $129.0820.99%
5 Allstate $131.1322.92%
6 Nationwide $135.4426.95%
7 American Family $157.1247.28%
8 Allied $159.6849.68%
9 Encompass $172.0461.26%
10 SAFECO $180.6669.34%

How Much is Car Insurance in Kansas City, MO?

how much is auto insurance in Kansas City

Rates can vary from city to city. The residents of Columbia typically pay $105.07 per month while people who live in Jefferson City will pay $97.72 per month on average. See what people pay for car insurance in other cities in Missouri.

Missouri CitiesMonthly Average Rate
Columbia $105.07
Jefferson City $97.72
Kansas City $122.64
Saint Louis $116.35
Springfield $99.45

Cheap Car Insurance in Kansas City by Zip Codes

find cheap auto insurance in Kansas City

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Missouri. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Kansas City, MO ZIP CodeAverage Monthly Rate
64105$133.88
64106$197.48
64108$121.24
64109$132.74
64110$150.62
64111$121.23
64112$116.17
64113$130.32
64114$89.37
64116$100.77
64117$102.79
64118$115.30
64119$125.28
64120$73.23
64123$109.60
64124$97.67
64125$164.41
64126$105.85
64127$132.72
64128$111.03
64129$121.77
64130$137.20
64131$124.43
64132$144.84
64133$116.08
64134$141.24
64136$109.72
64137$113.59
64138$114.82
64139$222.12
64145$125.84
64147$57.35
64149$15.17
64151$113.19
64152$142.68
64153$79.80
64154$111.15
64155$99.92
64156$188.97
64157$103.93
64158$227.26
64163$102.00
64164$80.15
64165$111.85

Car Insurance Rates by Driver's Age Group in Kansas City

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $287.44 per month in Kansas City. Compare that to drivers in their 30’s who typically pay around $105.42 per month drivers in their 40s at $97.50 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$287.44
20s$158.71
30s$105.42
40s$97.50
50s$82.07
60s$79.92
70+$87.50

Cheapest Insurance for Teenage Drivers in Kansas City

If you are teen in Kansas City you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $112.57 per month. This is likely the most affordable option in Kansas City. You might also want to consider Allstate and MO Farm Bureau Services who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$112.57
Allstate$233.44
MO Farm Bureau Services$235.99
State Farm$245.48
Auto-Owners Insurance Co$248.47

Cheapest Insurance for 20 Year-olds in Kansas City

20 year-olds in Kansas City might want to consider USAA who, on average, offers car insurance rates around $72.15 per month. State Farm , Allstate , MO Farm Bureau Services and Auto-Owners Insurance Co are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$72.15
State Farm$148.74
Allstate$155.24
MO Farm Bureau Services$162.79
Auto-Owners Insurance Co$164.85

Cheapest Insurance for 30 Year-olds in Kansas City

If you are in your 30s in Kansas City our research has found that USAA typically has the most affordable coverage coming in around $57.63 per month, followed by Auto-Owners Insurance Co at $104.41 and State Farm at $105.55.

CompanyAverage Monthly Rate
USAA$57.63
Auto-Owners Insurance Co$104.41
State Farm$105.55
Nationwide$108.69
MO Farm Bureau Services$111.78

Cheapest Insurance for 40 Year-olds in Kansas City

On average, USAA offers car insurance for 40 year-olds in Kansas City for around $50.04 per month. If you are looking for affordable coverage, you may also want to consider Auto-Owners Insurance Co or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$50.04
Auto-Owners Insurance Co$97.87
State Farm$103.72
Nationwide$107.79
MO Farm Bureau Services$109.18

Cheapest Insurance for 50 Year-olds in Kansas City

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Kansas City we found that USAA generally offers the most affordable coverage at $48.59 per month.

CompanyAverage Monthly Rate
USAA$48.59
Nationwide$87.33
Auto-Owners Insurance Co$90.83
State Farm$96.51
MO Farm Bureau Services$99.86

Cheapest Insurance for 60 Year-olds in Kansas City

If you live in Kansas City and you’re in your 60s, our data indicates that USAA usually has the best rates at $48.24 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$48.24
State Farm$93.71
Nationwide$94.68
Auto-Owners Insurance Co$95.59
Allied$103.43

Driver's Coverage Auto Insurance Rates in Kansas City, MO

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Kansas City, the average monthly rate for a driver who is currently insured is $98.34 while drivers who are not currently covered will pay around $148.30.

CoverageAverage Monthly Rate
Not Currently Insured $148.30
Currently Insured $98.34

Compare Recent Car Insurance Quotes in Kansas City

auto insurance quotes in Kansas City city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Kansas City a driver of a 2006 Ford Escape can expect to pay around $284.25 per month while someone that owns a 2006 Ford Escape may pay around $314.92 per month. Check out the list of recent quotes in Kansas City below.

VehicleAverage Monthly Rate
2006 Ford Escape$284.25
2006 Ford Escape$314.92
2006 Ford Escape$235.18
2006 Ford Escape$253.13
2021 Toyota Rav4 Prime$284.77
2021 Toyota Rav4 Prime$292.71
2021 Toyota Rav4 Prime$276.04
2021 Toyota Rav4 Prime$295.60
2002 Ford Escape$46.98
2020 Toyota Camry$207.17

FAQ's for Drivers in Kansas City, MO

driver’s frequently asked question in Kansas City

You are required to have auto liability insurance coverage to drive in the city of Kansas City.

What is the Minimum Amount of Liability Coverage Requirement in Kansas City?

$25,000 bodily injury liability coverage per person

$50,000 bodily injury liability coverage per accident

$10,000 property damage

What Is the Blood Alcohol Concentration (BAC) Limit in Kansas City?

The legal blood alcohol content (BAC) level limit is .08% in Missouri. This legal limit is the same in all 50 states. If you have a BAC level of .08% or higher and you are driving a vehicle you could be convicted of a DWI, driving while intoxicated. In Missouri, you could face jail time of 48 hours to five days and a fine of up to $500. A DWI conviction will impact your car insurance rates and you will see your rates increase. But insurers view DWI convictions differently. Some insurers raise rates less than others. SmartFinancial can help you find the insurance companies that charge lower rates to drivers with DWI convictions on their driving records.

Can I Register My Car Without Insurance in Kansas City?

For your car's registration to be valid, you must have liability insurance coverage at a minimum. These two important items must be up-to-date, even if you do not use the car. The insurance must be issued by an insurance company authorized by the Missouri Department of Insurance and certified by the Missouri State DMV. And there's more to consider. Your car insurance policy must be issued in the same name as the vehicle registrants.

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Commute Time in Kansas City, MO

21.8 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Kansas City, MO

251

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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