Kansas City Car Insurance

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 $136.92 per month compared to the national average of $146.47 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.

Kansas City, MO Best Car Insurance Companies

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 $67.78 per month. Other companies to consider if you live in Kansas City is State Farm with an average cost of $121.07 per month and MO Farm Bureau Services which typically runs around $136.32 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Kansas City.

How Much is Car Insurance in Kansas City, MO?

Rates can vary from city to city. The residents of Ballwin typically pay $127.97 per month while people who live in Cape Girardeau will pay $106.36 per month on average. See what people pay for car insurance in other cities in Missouri.

Cheap Car Insurance in Kansas City by Zip Codes

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.

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 $295.22 per month in Kansas City. Compare that to drivers in their 30’s who typically pay around $127.20 per month drivers in their 40s at $120.50 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.

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 $120.19 per month. This is likely the most affordable option in Kansas City. You might also want to consider Allstate and State Farm who also offer good affordable policies for teen drivers.

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 $87.82 per month. State Farm , Clearcover , Allstate and MO Farm Bureau Services are also in the top 5 cheapest rates available.

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 $65.93 per month, followed by State Farm at $112.54 and MO Farm Bureau Services at $127.46.

Cheapest Insurance for 40 Year-olds in Kansas City

On average, USAA offers car insurance for 40 year-olds in Kansas City for around $59.83 per month. If you are looking for affordable coverage, you may also want to consider State Farm or MO Farm Bureau Services. The full list of top companies is below.

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 $54.74 per month.

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 $54.06 per month. The top 5 list of car insurance companies is below.

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

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 $135.51 while drivers who are not currently covered will pay around $138.40.

Compare Recent Car Insurance Quotes in Kansas 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 2022 Chevrolet Malibu can expect to pay around $617.05 per month while someone that owns a 2006 Acura Rsx may pay around $188.50 per month. Check out the list of recent quotes in Kansas City below.

FAQ's for Drivers in Kansas City, MO

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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