Buy Cheap Kansas City, MO Auto Insurance (2022)

Kansas City, MO auto insurance rates average $317 a month. Minimum auto insurance requirements in Kansas City, Missouri are 25/50/25 to comply with Missouri laws. To buy cheap auto insurance in Kansas City, MO, compare Kansas City auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Kansas City after a DUI is Liberty Mutual
  • Average auto insurance rates in Kansas City, MO are $317/month
  • Average auto insurance rates in Kansas City, MO for teens drivers are $7,591/year

Finding affordable Kansas City, Missouri auto insurance can be challenging, but everything you need to know to buy cheap Kansas City, MO auto insurance with confidence is right here. Auto insurance rates in Kansas City are affected by local factors as well as personal ones like your driving record.

See how Kansas City, MO car insurance rates compare to Florissant auto insurance rates, Columbia auto insurance rates, and Blue Springs auto insurance rates before you read more about the cost of auto insurance in Kansas City.

Don’t buy Kansas City, MO auto insurance until you’ve compared rates. Get free Kansas City, Missouri auto insurance quotes when you enter your ZIP code above.

Kansas City, MO Minimum Auto Insurance Requirements

The required auto insurance in Kansas City, MO is 25/50/25 according to the auto insurance laws in Missouri. The minimum auto insurance in Kansas City, Missouri is outlined here.

Minimum Required Auto Insurance Coverage in Kansas City, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Kansas City, MO Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Kansas City, MO. Take a look at Kansas City, Missouri auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Kansas City, Missouri

Insurance Company Poor Fair Good
Allstate $5,956 $3,830 $3,158
American Family $4,964 $3,493 $2,942
Farmers $5,495 $4,596 $4,369
GEICO $4,563 $2,968 $2,371
Liberty Mutual $7,640 $4,674 $3,671
Nationwide $3,205 $2,649 $2,295
Progressive $4,862 $4,004 $3,677
State Farm $4,538 $2,883 $2,328
USAA $4,216 $1,958 $1,402

Buy Cheap Kansas City, MO Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Kansas City, Missouri auto insurance rates? Find out how car insurance rates in Kansas City, MO are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Kansas City, Missouri

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,956 $2,851 $2,667 $2,750 $8,437 $9,142 $2,813 $2,900
American Family $2,471 $2,471 $2,202 $2,202 $6,829 $8,870 $2,471 $2,882
Farmers $2,603 $2,588 $2,317 $2,462 $11,067 $11,442 $2,978 $3,105
GEICO $2,134 $2,409 $1,658 $2,162 $6,905 $7,296 $1,922 $1,918
Liberty Mutual $3,148 $3,409 $2,592 $2,908 $11,254 $12,492 $3,308 $3,517
Nationwide $1,786 $1,819 $1,603 $1,691 $4,647 $5,924 $2,049 $2,209
Progressive $2,556 $2,321 $2,090 $2,166 $8,587 $9,577 $3,078 $3,073
State Farm $1,999 $1,999 $1,813 $1,813 $6,007 $7,528 $2,253 $2,583
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

Buy Cheap Kansas City, MO Auto Insurance for Teen Drivers

Auto insurance for teenagers in Kansas City can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Kansas City, MO are listed here.

Annual Auto Insurance Rates for Teen Drivers in Kansas City, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,437 $9,142
American Family $6,829 $8,870
Farmers $11,067 $11,442
GEICO $6,905 $7,296
Liberty Mutual $11,254 $12,492
Nationwide $4,647 $5,924
Progressive $8,587 $9,577
State Farm $6,007 $7,528
USAA $4,587 $5,609

Buy Cheap Kansas City, MO Auto Insurance for Seniors

You can save on senior auto insurance rates in Kansas City, Missouri by comparing Kansas City senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Kansas City, MO here.

Annual Auto Insurance Rates for Senior Drivers in Kansas City, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,667 $2,750
American Family $2,202 $2,202
Farmers $2,317 $2,462
GEICO $1,658 $2,162
Liberty Mutual $2,592 $2,908
Nationwide $1,603 $1,691
Progressive $2,090 $2,166
State Farm $1,813 $1,813
USAA $1,391 $1,422

Find Cheap Auto Insurance Rates in Kansas City, MO by Coverage Level

The amount of coverage you choose is a big factor in the cost of Kansas City, Missouri auto insurance. Compare Kansas City, MO auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Kansas City, Missouri

Insurance Company Low Medium High
Allstate $4,159 $4,306 $4,479
American Family $3,683 $3,919 $3,798
Farmers $4,502 $4,773 $5,186
GEICO $3,069 $3,330 $3,502
Liberty Mutual $5,014 $5,359 $5,613
Nationwide $2,545 $2,741 $2,863
Progressive $3,635 $4,198 $4,710
State Farm $3,023 $3,262 $3,464
USAA $2,420 $2,517 $2,640

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Find Cheap Kansas City, MO Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Kansas City. Compare auto insurance rates in Kansas City, MO by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Kansas City, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,315 $4,315
American Family $3,762 $3,837
Farmers $4,820 $4,820
GEICO $3,242 $3,359
Liberty Mutual $5,329 $5,329
Nationwide $2,716 $2,716
Progressive $4,181 $4,181
State Farm $3,170 $3,329
USAA $2,433 $2,618

Find Cheap Kansas City, MO Auto Insurance Rates by ZIP Code

Auto insurance rates in Kansas City, Missouri can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Kansas City, MO to see how much where you live in Kansas City affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Kansas City, Missouri

ZIP Code Average Annual Rates
64101 $3,377
64102 $3,392
64105 $3,246
64106 $3,412
64108 $3,226
64109 $3,697
64110 $3,332
64111 $3,235
64112 $3,174
64113 $3,116
64114 $2,985
64116 $2,930
64117 $2,890
64118 $2,857
64119 $2,791
64120 $3,522
64123 $3,736
64124 $3,735
64125 $3,524
64126 $3,387
64127 $3,721
64128 $3,711
64129 $3,219
64130 $3,676
64131 $3,147
64132 $3,590
64133 $3,082
64134 $3,159
64136 $2,948
64137 $3,117
64138 $3,114
64139 $2,905
64145 $2,996
64146 $2,995
64147 $3,061
64149 $2,931
64151 $2,811
64152 $2,835
64153 $2,814
64154 $2,796
64155 $2,755
64156 $2,725
64157 $2,694
64158 $2,788
64161 $2,899
64164 $2,733
64165 $2,792
64166 $2,754
64167 $2,749

Find Cheap Kansas City, MO Auto Insurance Rates by Driving Record

Auto insurance rates in Kansas City, Missouri are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Kansas City, MO, take a look at the average cost for various violations versus rates for a clean driving record in Kansas City.

Annual Kansas City, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,679 $4,167 $5,227 $4,185
American Family $2,841 $4,073 $5,035 $3,250
Farmers $4,140 $5,202 $5,082 $4,856
GEICO $2,522 $3,341 $4,584 $2,755
Liberty Mutual $3,854 $5,568 $5,724 $6,168
Nationwide $2,115 $2,740 $3,687 $2,324
Progressive $3,603 $4,872 $4,009 $4,240
State Farm $2,969 $3,530 $3,250 $3,250
USAA $2,036 $2,458 $3,392 $2,217

Find Cheap Kansas City, MO Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Kansas City, Missouri is higher than for a clean driving record. You can buy auto insurance after a DUI in Kansas City for less when you shop around and compare rates from multiple Kansas City, MO auto insurance companies.

Annual Auto Insurance Rates After a DUI in Kansas City, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,227
American Family $5,035
Farmers $5,082
GEICO $4,584
Liberty Mutual $5,724
Nationwide $3,687
Progressive $4,009
State Farm $3,250
USAA $3,392

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Winners by Category: Where to Buy Cheap Auto Insurance in Kansas City, MO

Compare rates from the cheapest auto insurance companies in Kansas City, MO for your needs. Take a look at how Kansas City, Missouri auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Kansas City, Missouri

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Find Cheap Kansas City, Missouri Auto Insurance Companies

If you’re looking for the cheapest Kansas City, MO auto insurance companies overall, you can compare them here. Find the best price for Kansas City, Missouri car insurance by company.

Average Annual Auto Insurance Rates by Company in Kansas City, Missouri

Insurance Company Average Annual Rates
Allstate $4,315
American Family $3,800
Farmers $4,820
GEICO $3,301
Liberty Mutual $5,329
Nationwide $2,716
Progressive $4,181
State Farm $3,250
USAA $2,526

What affects Kansas City, Missouri auto insurance rates?

Local factors affect auto insurance rates in Kansas City, MO, including traffic, theft statistics, and commute length. Take a look at the things that impact Kansas City auto insurance rates.

Commute Times in Kansas City

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Kansas City, MO is 22.0 minutes according to City-Data.

Traffic in Kansas City

How is traffic in Kansas City, Missouri? Inrix data shows that Kansas City, MO traffic makes it the 468th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Kansas City, MO

You can buy cheap Kansas City, MO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Kansas City, Missouri auto insurance quotes from top companies.

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