Drivers in Kansas City are legally required to carry car insurance. The average driver pays $1,924 for full coverage insurance and $497 for minimum coverage insurance. However, drivers can get a lower rate by choosing a cheap car insurance provider. We found the best cheap car insurance in Kansas City by evaluating popular providers based on their average rates, discounts, coverage options and third-party ratings.
Best car insurance companies in Kansas City
Drivers who are shopping for the best car insurance in Kansas City should start their search by looking at USAA, Auto-Owners, State Farm and Farmers. These companies have affordable premiums, great policy options, good discounts and strong financial ratings.
| Insurance company | J.D. Power customer satisfaction core | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|---|
| USAA | 905 / 1000 | $299 | $1,272 |
| Auto-Owners | 868 / 1000 | $316 | $1,315 |
| State Farm | 849 / 1000 | $400 | $1,354 |
| Farmers | 827 / 1000 | $417 | $1,633 |
USAA
USAA offers highly-rated car insurance to active duty military members, veterans and their spouses. It is the cheapest provider in Kansas City, with an average full coverage premium of $1,272 per year and an average minimum coverage premium of $299 per year, which is well below average. USAA has excellent customer service, comprehensive coverage and good discounts, including military-specific savings and endorsement policies.
Auto-Owners
Auto-Owners has the highest rating for overall customer satisfaction from J.D. Power in the Central region, which includes Missouri. With Auto-Owners, drivers in Kansas City can get access to unique coverage options, great discounts and good customer service, plus affordable rates. Auto-Owners is a great option for drivers who prefer to work with an agent for their insurance needs, as the company does not offer online quotes or claims.
State Farm
State Farm is one of the largest auto insurance companies in the country. Drivers in Kansas City often choose State Farm because of its low rates and generous discounts for bundling policies, being claims-free, getting good grades in school, having a safe vehicle and more. Additionally, drivers in Kansas City can get a cheaper policy by completing one of the safe driver rewards programs, Steer Clear for young drivers and Drive Safe & Save for adults.
Farmers
Farmers stands out for its robust coverage options and unique endorsement policies. Kansas City drivers can customize their policy with accident forgiveness, OEM coverage, spare parts coverage, full windshield and glass coverage, a glass repair deductible waiver, Guaranteed Value™ coverage for totaled vehicles and more. Farmers also has a few discounts for drivers that want a lower rate.
Cheapest car insurance in Kansas City
Car insurance in Kansas City is more expensive than the statewide average rate in Missouri. The average Missouri driver pays $1,680 per year for full coverage insurance and $445 per year for minimum coverage insurance. For drivers on a budget, the table below includes the cheapest car insurance options in Kansas City:
| Insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $299 | $1,272 |
| Auto-Owners | $316 | $1,315 |
| State Farm | $400 | $1,354 |
| Farmers | $417 | $1,633 |
| Allstate | $514 | $2,246 |
These five providers offer the cheapest rates in Kansas City, but they each have upsides and downsides. For example, USAA has great coverage options and customer service, but drivers must be affiliated with the military to qualify for coverage. Farmers and Allstate offer a variety of endorsements, but their customer service ratings are lower.
Farmers also offers great coverage options, but the policies are more expensive and the company does not have many discounts. Auto-Owners stands out for its highly-rated customer service, but drivers have to work with an agent to get a quote or file a claim. The other providers on this list have much better digital tools.
All five providers have good financial strength ratings from AM Best, but their overall customer satisfaction ratings in J.D. Power’s 2020 U.S. Auto Insurance Study differ. Auto-Owners, USAA and State Farm are rated above average, and Farmers and Allstate are rated below average.
Kansas City insurance requirements
Drivers in Kansas City are required to carry car insurance if they have a vehicle registered in the state of Missouri. The minimum insurance requirement is 25/50/10 personal liability and uninsured/underinsured motorist liability coverage. In Kansas City, 25/50/10 coverage includes:
- $25,000 in bodily injury liability coverage per person
- $50,000 in bodily injury liability coverage per accident
- $10,000 in property damage liability coverage per accident
Drivers who purchase minimum coverage insurance pay the lowest rate. However, there is no guarantee that liability-only insurance will cover the full cost of an at-fault accident. If a driver causes an accident and their financial responsibility exceeds their policy’s limit, they are required to pay the difference out-of-pocket.
For most drivers, purchasing full coverage insurance is recommended. Drivers who have a leased or financed vehicle are often required to carry full coverage insurance until their loan is paid off.
Car insurance discounts in Kansas City
Most car insurance companies in Kansas City have discounts to help drivers get a cheaper rate. Here are some of the most common savings:
- Policy bundling: Drivers who insure their home and vehicle with the same insurance provider usually qualify for a policy bundling discount.
- Multi-vehicle: Drivers who insure two or more cars on the same insurance policy can usually get a cheaper premium.
- Claims-free: Drivers who have no prior insurance claims or accidents on their record can get a claims-free discount.
- Good student: Students who get good grades in school or maintain a minimum GPA can usually get a lower rate.
Frequently asked questions
What is the best car insurance company?
The best car insurance company is different for every driver. Some drivers are looking for the lowest rates, some are looking for the best customer service and others are looking for unique coverage. However, some of the highest-rated providers are Amica, Geico, Erie, The Hartford and Nationwide.
How much does car insurance in Kansas City cost?
In Kansas City, the average driver pays $1,924 for full coverage insurance and $497 for minimum coverage insurance. However, car insurance rates are personalized, and every driver pays a slightly different premium based on their age, credit score, claims history and ZIP code.
How much car insurance do I need in Kansas City?
Drivers in Kansas City are required to carry at least 25/50/10 in personal liability and uninsured/underinsured motorist liability coverage. Many drivers choose to purchase a full coverage policy for more protection.
Methodology
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.
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