Cheapest Auto Insurance in Kansas City, Kansas (2024)

Drivers in Kansas City, Kansas, pay $98 per month for liability insurance and $239 for full-coverage insurance. This is higher than the state average of $84 for liability coverage and $84 for full-coverage insurance.

The Kansas City, Kansas, and Kansas City, Missouri, area ranks among the top 10 U.S. metropolitan areas with the highest rates of motor vehicle theft.^[1] This could explain the high insurance costs for drivers in the area, as insurance companies account for the added risk.

Here’s how to find the cheapest car insurance for you in Kansas City by comparing quotes and coverage options.

3 of the cheapest car insurance companies in Kansas City

The best insurer in Kansas City is different for everyone, and you’ll want to do some comparison shopping before settling on one. The quotes you receive during your search will often vary based on a variety of factors, such as your driving record, age, gender, and even your credit score.

As you begin your search, be sure to research your options with the following three insurers. The quotes below reflect average U.S. insurance costs.

Best insurer for cheap rates: State Farm

Best insurer for military members: USAA

Best insurer for discounts: American Family

How to get the cheapest car insurance in Kansas City

Finding the best insurance rates in Kansas City is possible with a few adjustments. Follow these tips:

• Compare quotes. Comparing quotes from three or more insurers is the best way to find low rates and a coverage level that matches your needs. Using an insurance price-comparison platform can make these comparisons a breeze.

• Choose liability only over full coverage. This strategy will lower your premiums, but it can be a risk because you’re taking on less protection. If you’re involved in an accident judged to be your fault, liability-only coverage won’t pay to repair your vehicle. But if you have an older vehicle that you wouldn’t seek to repair after an accident, liability coverage could make sense.

• Adjust your deductible. A higher deductible will lower your premiums because you’re taking on more up-front risk. But keep in mind that if you’re in an accident that’s your fault, you’ll have to pay the deductible before your insurer pays for a repair bill. If paying a high deductible would be a serious hurdle for you, you may want to choose a low deductible in exchange for paying higher monthly premiums.

• Don’t forget discounts. Asking your insurance company about any potential discounts that will bring your rates down is always a smart idea. In addition, you can also inquire if your workplace has any discount possibilities with a particular insurer.

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Cheapest liability-only car insurance in Kansas City: Midvale Home & Auto

Liability-only car insurance pays for damages or medical care required by the other party if you’re determined to be at fault for an accident. This coverage doesn’t offer any protection for you or your vehicle. As such, liability-only coverage is usually more affordable, but it may not be enough to match your needs.

The average cost of liability-only insurance in Kansas City is $98 per month. Here, you can see a collection of quotes for liability-only coverage in the area from leading companies.

Cheapest full-coverage car insurance in Kansas City: Midvale Home & Auto

Full-coverage car insurance provides the same protections as liability-only coverage but also covers damage or hospital expenses for you and your vehicle. This coverage is more expensive, but it could be a good option if you have a new car or you wouldn’t be able to replace your vehicle if it was totaled.

On average, Kansas city drivers pay $239 for full-coverage insurance. Compare the cheapest full-coverage insurance quotes below.

Car insurance requirements in Kansas

You must carry liability coverage for body and property, as well as uninsured and underinsured motorist coverage, to drive in Kansas. But the state also requires you to carry personal injury protection insurance, more commonly known as PIP or no-fault insurance.^[2] This coverage ensures that if you’re in an accident, no matter who was at fault, your insurance will cover your injuries as well as those of household members in the vehicle.

PIP insurance also covers expenses such as hospital bills, disability and lost income, rehabilitation expenses, required in-home services care, and, if necessary, funeral and burial expenses.

Here are the minimum car insurance requirements necessary for you to drive in Kansas.

It may be a good idea to secure coverage that exceeds the minimum requirements. Minimum coverage won’t replace your car if it’s stolen — or pay for damages if a tree falls on your parked car during a windstorm, for example. You may want to consider purchasing these optional coverages for more financial protection:

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  Collision coverage

  Collision insurance pays for repairs to your vehicle if it’s damaged by another vehicle, an object, or even through reckless driving. For instance, if you back into a telephone pole, collision coverage would pay for that. Or if you round a curve too fast and your car careens down a hill, collision insurance would pay for that, too.

• 

  Comprehensive coverage

  Comprehensive insurance protects you if your vehicle is damaged in an event beyond a car accident. If a deer darts into the side of your moving car, or your car is stolen or vandalized, for example, your insurance would pay for repairs or for it to be replaced. If hail damages your car, or your engine catches on fire, comprehensive insurance would also pay for that.

Cheapest car insurance for drivers with an incident

If you have an incident on the road — such as a speeding ticket, at-fault accident, or DUI — you should prepare for your insurance premiums to increase. Insurers generally assume that one incident might be a sign of more to come, and they guard against that by raising premiums. Fortunately, if you drive for a few years without an incident, insurers will usually lower your rates.

In the sections that follow, you’ll see how incident types can affect your insurance rates.

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Cheapest car insurance for drivers with a speeding ticket: Midvale Home & Auto

Flying down State Route 69 may seem tempting. But if you’re caught speeding, at some point after you pay your fine at the Municipal Court office or through Wyandotte County’s app, your car insurance premiums will likely go up.

The average cost of car insurance for a Kansas City driver with a speeding ticket is $145 per month for liability coverage and $353 for full coverage. You can see average monthly quotes for Kansas City drivers with a speeding ticket below and how they compare to rates for drivers with a clean record.

Cheapest car insurance for drivers with an at-fault accident: Midvale Home & Auto

An at-fault accident is problematic for a number of reasons, from car repair to potential injury and, yes, even climbing insurance costs. Insurers typically reward drivers who stay out of trouble on the road with cheaper car insurance — and hedge their bets on drivers who get into an accident by charging them higher premiums.

Kansas City drivers with an accident pay an average of $361 per month for full coverage and $148 for liability insurance. Here, you can see how an at-fault accident can affect your monthly rates.

Cheapest car insurance for drivers with a DUI: Midvale Home & Auto

Insurers see a DUI on your record as a very serious offense, and as such, you can expect your premiums to soar. In some cases, your insurer may drop you altogether.

On average, drivers with a DUI pay monthly average rates of $167 for liability insurance and $408 for full-coverage insurance in Kansas City. The table below shows what you’d pay, on average, for car insurance in Kansas City with a DUI on your record.

Cheapest car insurance for seniors: Midvale Home & Auto

Insurers calculate insurance premiums by looking at a lot of different factors, such as driving history and age.

If you’re 70 or older, your premiums will probably start to rise. You may be a superb driver, but insurers raise rates for older drivers because reaction times decrease as people age and the likelihood of costly medical bills increases when seniors are involved in an accident.

Senior drivers in Kansas City pay $167 per month for full-coverage insurance and $69 for liability insurance. The table below shows what you may pay, on average, for your insurance premiums as a senior driver in Kansas City.

Cheapest car insurance for teens: Midvale Home & Auto

Many teenagers are excellent drivers, and some young adults may be better than some seasoned drivers who are complacent behind the wheel. But insurers still charge teens higher premiums than older, more experienced drivers because young drivers are more likely to be involved in an at-fault incident than older drivers.

Fortunately, teenage drivers have ways to lower a high insurance bill. For example, insurers charge less when a teenage driver stays on their parents’ policy than when a teen driver buys their own policy. Driving a car that your insurer considers a safe model could also lower your premiums. Finally, good grades may give you a student discount with your insurer.

On average, teenagers in Kansas City pay $173 per month for liability coverage and $421 for full-coverage insurance. This table shows what teen drivers pay for insurance from different companies in Kansas City.

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Kansas City car insurance quotes by credit tier

Most states, including Kansas, allow insurers to consider credit scores when pricing insurance premiums. Rightly or wrongly, insurers have concluded that a person’s credit history is a sign of how safe of a driver they are. So, motorists who have excellent or good credit scores pay far lower insurance premiums than drivers with poor credit scores.

The table below shows how Kansas City drivers’ credit tiers affect their insurance premiums. As you’ll see, premiums go up significantly the lower your credit tier is.

Is car insurance more expensive in Kansas City?

While insurance prices in Kansas City are among the top in the state, they’re still comparable with the national averages. The U.S. car insurance average is $104 for liability-only coverage and $211 for full coverage. In Kansas City, average rates are $98 for liability-only coverage and $239 for full coverage.

But drivers in Kansas City are paying higher rates for full-coverage car insurance in the state because Kansas City has much higher rates of motor vehicle theft than other cities in the state of Kansas. Insurers likely increase average premiums in Kansas City to account for the added risk associated with potential vehicle theft.

More cities in Kansas

On average, Kansas drivers pay $196 per month for full-coverage car insurance and $84 for liability insurance. Meanwhile, drivers in Kansas City pay an average of $98 for liability and $239 for full coverage.

The table below shows that rates in the area outpace those in other Kansas cities. 

Kansas City car insurance FAQs