Average car insurance cost in Kansas City, MO

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According to data from Insure.com, the average annual cost of car insurance in Kansas City, Missouri is $2,155. The auto insurance rates in Kansas City is $173 more than the state average and $260 more than the national average.

Car insurance premiums vary significantly based on where they are filed. Factors such as city demographics, population density and average resident age, accident rates, theft, and vandalism rates will influence the amount of premiums you pay.

This article talks in detail about the most affordable car insurance companies in Kansas City, the average car insurance rates by age and gender, and how much car insurance cost in Kansas City depending on coverage limits. Whether you’re a new driver or an experienced one, this article will help you to find the most affordable car insurance in Kansas City. Keep reading 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 $1,496 annually.

A close second is Travelers, which offers car insurance at $1,642 per year.

Read about the best car insurance companies.

Average car insurance cost in Kansas City by coverage limits

In Kansas City, the average car insurance rates based on coverage types are as follows:

• State minimum coverage: $599 per year (limits are 25/50/25)
• Liability only coverage: $715 per year (limits are 50/100/50)
• Full coverage: $2,155 per year (limits are 100/300/100)
• Non-owners coverage: $403 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Kansas City

Based on an analysis by Insure.com, female drivers in Kansas City, Missouri pay an average annual car insurance premium of $2,139. In comparison, male drivers pay $2,170 annually, which is $31 more than what female drivers pay.

According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Kansas City

Car insurance rates in Kansas City, are highest for teens at $6,684 per year or $557 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.

As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $3,432 annually for their car insurance, which is $3,252 less than what teens pay for their insurance coverage.

In Kansas City, adult drivers pay an average of $2,179 per year for car insurance, while senior drivers pay $2,087 annually.

The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per the Insurance Information Institute.

Read more on auto insurance for seniors.

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

Car insurance rate trends in Kansas City

Examining car insurance rate trends in Kansas City, Missouri, we observe a downward trend from 2022 to 2023. Subsequently, from 2022 to 2023, the rates experienced decrease overall, with an increase of 9% or $203.

The table below shows the trend for last four years:

Conclusion

In conclusion, Kansas City’s car insurance rates are higher than the average insurance rates in Missouri. Drivers in Kansas City can find affordable car insurance options by shopping around and taking advantage of available discounts. Moreover, 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.