Average car insurance cost in Kansas City, KS

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The average car insurance cost in Kansas City, Kansas is $1,956 per year, according to Insure.com data. This is $56 more than the average auto insurance cost in Kansas and $61 more than the national average, as analyzed by Insure.com.

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Kansas City, the average car insurance rates by age, gender and how much is car insurance in Kansas City based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Kansas City. Read on to learn more.

Cheap car insurance companies in Kansas City

Nationwide provides the best value for car insurance in Kansas City with coverage limits of 100/300/100, costing $1,279 annually.

A close second is Travelers, which offers car insurance at $1,578 per year.

Read about the best car insurance companies.

Average car insurance cost in Kansas City by coverage limits

The average car insurance rates in Kansas City by coverage type are as follows:

• State minimum coverage: $528 per year (limits of 25/50/25)
• Liability-only coverage: $590 per year (limits of 50/100/50)
• Full coverage: $1,956 per year (limits of 100/300/100)
• Non-owners coverage: $344 per year

In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.

It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Kansas City

The average car insurance rate for a female driver in Kansas City, Kansas, is $1,957 per year.

While the rate for a male driver is $1,955 per year, which is $2 less than what female drivers pay, according to a rate analysis by Insure.com.

Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Kansas City

In Kansas City, car insurance rates are highest for teens, averaging $6,261 per year or $522 per month. According to the Insurance Information Institute, these higher rates for 16- to 19-year-olds are due to their increased likelihood of road accidents due to their lack of driving experience.

Specific teen driving laws have been implemented to help them become better drivers. Additionally, parents can lower teen insurance rates by adding them to their existing auto insurance policy.

As teens grow older and build a positive driving history, their car insurance rates decrease. Young adults usually pay $3,117 annually for their car insurance, which is $3,144 less than what teens pay for their coverage.

In Kansas City, adult drivers pay an average of $1,957 per year for car insurance, while senior drivers pay $1,812 annually.

According to the Insurance Information Institute, rates for adults and seniors are significantly lower than for teens and young adults, as they are more likely to obey speed limits and follow road rules.

Read more on auto insurance for seniors.

The table below lists the average annual rates for drivers of different age groups:

Car insurance rate trends in Kansas City

If we look at the car insurance rates trends in Kansas City, Kansas, it was on an upward swing from 2022 to 2023. From 2022 to 2023, the rates increase overall by 15%, or $249.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Kansas City, are higher than the average insurance cost in Kansas. Shopping around and taking advantage of available discounts, drivers in Kansas City can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.