Car insurance in Kansas City: Cheapest insurance and average rates

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Car insurance in Kansas City, Missouri, costs $2,155 per year for full coverage – $180 monthly. USAA offers the cheapest car insurance policy at $92 per month.

Kansas City is a metro area with 2.1 million residents spread across two states – Missouri and Kansas. This story focuses on Kansas City, Missouri. If you are moving to Kansas City — or already live there — it is important to find the right car insurance policy. Fortunately, there are ways to get cheap car insurance in Kansas City that will provide the coverage you need. 

Learn more about what a typical policy costs in Kansas City, Missouri, and what you need to know if you are new to the city. 

How to find the best car insurance in Kansas City 

With the right tools and a little work, you can find the best car insurance policy in Kansas City that marries the coverage you need with a cost you can afford. 

Before shopping for car insurance, determine the type of policy you need, including the amount of coverage necessary to protect yourself. Get quotes from at least three companies comparing similar coverage limits and options and ask about any discounts you qualify for. It’s always best to buy as much coverage as you can afford.

Cheapest car insurance company in Kansas City 

USAA provides the cheapest car insurance in Kansas City, according to recent data. It costs an average of $1,102 annually to purchase a full-coverage policy from the insurer. But remember that USAA is only available to military community members and their families. The next cheapest car insurance companies are Nationwide and Travelers.

See other cheap car insurance rates in Kansas City in the table below.

Average annual rates from insurers in Kansas City 

How much is car insurance in Kansas City per month?

Kansas City residents can expect to pay an average of $180 per month in full coverage car insurance costs, or $50 per month for the state minimum coverage.

Of course, some drivers pay less than this average, while others pay more. Factors determining how much you pay for car insurance include the insurance company you choose and the coverage you need. 

Other factors — including your age and gender, vehicle make/model and your history of accidents and violations — also influence car insurance costs.  

Monthly rates for car insurance in Kansas City, Missouri

How do rates in Kansas City compare to other large cities in the U.S.?

The cost of coverage in Kansas City is cheaper than in other major cities. Kansas City drivers pay more than other Missouri drivers – the statewide rate in Missouri is $1,982 annually, compared with Kansas City’s $2,155.

See how much you can expect to pay for car insurance in several major U.S. cities in the table below.

Monthly full-coverage car insurance costs in major U.S. metropolitan areas

Here’s what you need to know when driving in Kansas City 

Kansas City residents occasionally end up stuck in traffic. However, congestion is not bad compared to some other metros.

In 2022, drivers in Kansas City lost an average of 17 hours in traffic, according to INRIX, which looks at traffic patterns. That makes Kansas City the 82nd most-congested city in the country. 

If you are driving in the Kansas City area during rush hour, you can expect to spend an extra 8.8 minutes in traffic, according to the website CoPilot. That places Kansas City at No. 73 among all cities in the nation when it comes to losing time due to rush hour. 

Other things to remember when driving around Kansas City:

• Speed limits in Missouri are typically 40 mph on residential streets, and 60 on urban freeways. Signs should mark when speed limits vary from these standards. 
• There are no toll roads in Kansas City, Missouri. On the Kansas side, the Kansas City Turnpike ends in Kansas City. 
• Kansas City has 492 electric charging stations. That makes the city much more EV-friendly than rival Missouri city St. Louis, which has just 62 charging stations. 

How much car insurance do I need in Kansas City?

Missouri and Kansas law require you to purchase a minimum amount of liability car insurance coverage. These amounts are the same in both states: 

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 per accident for property damage

This is often referred to as “25/50/25 coverage.”

Minimum levels of coverage such as $25,000 per person and $50,000 per accident will not be adequate for most drivers, says Alaina Hixson, a Nashville-based director of sales and operations at The Churchill Agency. 

“With the rising costs associated with both vehicles and medical care, even a small accident would quickly exceed these limits,” she says. 

Many drivers will prefer to carry much higher levels of liability coverage so they are better protected financially. In addition, liability insurance does not cover you or your car. 

That means drivers also might be interested in going beyond the minimum and protecting their own vehicles by purchasing insurance beyond the minimum, such as comprehensive and collision coverage. 

If you are unsure of how much coverage you need, consult with an insurance agent who can help. 

Average cost of car insurance in Kansas City, Missouri

The average cost of full-coverage car insurance in Kansas City, Missouri, is $2,155 annually. That compares to a statewide average of $1,982 and a nationwide average of $1,895. 

Annual average rates in Kansas City for state minimum coverage and full coverage

How much does car insurance in Kansas City cost with violations?

Moving violations on your driving record will push your car insurance rates higher. Violations such as speeding tickets often cause a significant but manageable rise in rates. Other types of violations can make rates climb much higher. This is particularly true if you are convicted of a DUI. 

See rate increases in Kansas City, Missouri, in the table below by violation.

Cheapest car insurance in Kansas City by age

Your age will impact how much you pay for car insurance. The youngest drivers tend to pay the highest rates. The oldest drivers also are likely to pay more – especially after age 70. See how much you can expect to pay by age in the table below.

Annual rates for state minimum and full coverage car insurance in Kansas City, by age

Compare auto insurance rates in Kansas City by ZIP code 

Where you live also plays a role in how much you pay for car insurance. Here are the Kansas City, Missouri, ZIP codes with the cheapest and most expensive car insurance rates. See the tables below for the cheapest and most expensive ZIP codes for car insurance in Kansas City. 

Cheapest annual car insurance rates in Kansas City, by ZIP code 

Most expensive annual car insurance rates in Kansas City, by ZIP code 

Our recommendations: Car insurance for drivers in Kansas City 

If low prices are your top focus when shopping for car insurance, USAA might be your best choice. It has the lowest average rates in our survey. 

However, it’s often a mistake to shop by price alone. It is crucial to make sure you have exactly the coverage you need, even if you have to pay a little more for it. 

Shopping around and gathering quotes from several insurance companies is the best way to get the coverage you need at the best price. 

A full coverage insurance policy with liability limits of 100/300/100 is the best option for most drivers. Consider increasing your liability limits as you accumulate wealth and your net worth increases. Purchasing as much car insurance as you can afford will give you peace of mind as you navigate the roads of Kansas City.

What our expert says

Q: What’s the downside of only purchasing only state minimum car insurance?

Alaina HixsonNashville-based director of sales and operations at The Churchill Agency.

“With the rising costs associated with both vehicles and medical care, even a small accident would quickly exceed these limits.”

Resources & Methodology

Methodology

In 2024, Insure.com commissioned Quadrant Information Services to pull rates for a 40-year-old who has a 12-mile commute and drives a 2023 Honda Accord LX 10k miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for comprehensive and collision coverages. We analyzed 51,088,003 insurance quotes from 167 companies across 34,588 ZIP codes in every state and Washington, D.C.

Chris Kissell

Contributing Researcher

 

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Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more.