Cheapest Car Insurance In Kansas City, KS For 2024
Nationwide is the most affordable choice in Kansas City, offering an average monthly rate of $25.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the most budget-friendly car insurance in Kansas City, Kansas, the choices can differ significantly. However, there’s one company that shines with its competitive pricing: Nationwide. On average, individuals in Shawnee can obtain car insurance for approximately $25 per month, a rate notably lower than the state’s average of $105.
For individuals in need of the most economical liability-only coverage, Nationwide emerges as the top choice. Meanwhile, those seeking more extensive protection will find that Nationwide provides the most favorable rates for full coverage policies, priced at $70 monthly. Additionally, for young drivers, Nationwide offers the cheapest rates at $80 per month.
Cheapest Car Insurance Companies In Kansas City, KS
How Much Is Car Insurance In Kansas City, KS?
Nationwide provides the most affordable car insurance in Kansas City, KS, with coverage available for as low as $114 per month.
| Area | Average Monthly Rate |
| National | $152 |
| Kansas | $105 |
| Kansas City, KS | $114 |
Cheapest Car Insurance Rates In Kansas City For Minimum Coverage
Nationwide offers the most affordable car insurance for minimum coverage in Kansas City, with an average monthly cost of $25.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $25 | $298 |
| Progressive | $42 | $500 |
| American Family | $43 | $514 |
| State Farm | $48 | $574 |
| Allstate | $49 | $581 |
Cheapest Car Insurance Rates In Kansas City For Full Coverage
Nationwide offers the most competitive rates for full coverage car insurance in Kansas City, with average quotes at $70 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $70 | $838 |
| GEICO | $95 | $1,141 |
| Farmers | $103 | $1,238 |
| Allstate | $110 | $1,314 |
| State Farm | $111 | $1,326 |
Cheapest Car Insurance Rates In Kansas City For Seniors
Nationwide offers the most affordable car insurance rates for seniors in Kansas City, with average quotes at $55 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $55 | $658 |
| GEICO | $92 | $1,095 |
| Farmers | $93 | $1,107 |
| Progressive | $101 | $1,213 |
| Allstate | $104 | $1,249 |
Cheapest Car Insurance Rates In Kansas City For Teenagers
Teenage drivers in Kansas City can secure the most affordable quotes from USAA, with average monthly premiums of $220.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $280 | $3,358 |
| American Family | $284 | $3,404 |
| Auto-Owners | $332 | $3,982 |
| USAA | $220 | $2,638 |
| Farm Bureau Mutual | $275 | $3,298 |
Cheapest Car Insurance Rates In Kansas City For Young Adults
Nationwide provides the most budget-friendly quotes for young adults in Kansas City, with rates averaging around $80 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $80 | $958 |
| GEICO | $108 | $1,294 |
| Dairyland | $257 | $3,020 |
| State Farm | $138 | $1,654 |
| Travelers | $92 | $1,102 |
Cheapest Car Insurance Rates In Kansas City For Good Drivers
Drivers with good records in Kansas City can discover the most affordable car insurance quotes from Nationwide, priced at approximately $25 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $25 | $298 |
| Progressive | $42 | $500 |
| American Family | $43 | $514 |
| State Farm | $48 | $574 |
| Allstate | $49 | $581 |
Cheapest Car Insurance Rates In Kansas City For Drivers With Prior Incidents
In Kansas City, drivers with histories of traffic violations, such as accidents, speeding tickets, or DUIs, frequently encounter challenges in obtaining affordable car insurance. These driving infractions prompt insurance companies to categorize them as high-risk, indicating a higher likelihood of filing future insurance claims.
As a result, insurance providers raise their rates for these individuals to offset the risk of potential higher claim payouts.
Cheapest Car Insurance Rates In Kansas City For Drivers With A Speeding Ticket
State Farm provides notably affordable rates compared to other companies, with average monthly premiums of $130.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $130 | $1,558 |
| Allstate | $241 | $2,842 |
| Geico | $178 | $2,134 |
| Farmers | $287 | $3,442 |
| Progressive | $222 | $2,662 |
Cheapest Car Insurance Rates In Kansas City For Drivers With An At-Fault Accident
State Farm offers the most budget-friendly car insurance quotes for drivers with at-fault incidents, with an average rate of $138 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $138 | $1,654 |
| Nationwide | $259 | $3,218 |
| Geico | $265 | $3,242 |
| Progressive | $273 | $3,274 |
| Allstate | $336 | $4,030 |
Cheapest Car Insurance Rates In Kansas City For Drivers After A DUI
Progressive stands out as the company offering the most affordable rates for drivers with a DUI in Kansas City, providing average monthly premiums of $188.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $188 | $2,319 |
| Farmers | $269 | $3,286 |
| State Farm | $439 | $5,266 |
| Geico | $488 | $5,854 |
| Allstate | $287 | $3,442 |
Best Car Insurance Companies In Kansas City
For drivers in Kansas City, selecting the appropriate car insurance company involves not only seeking affordable rates but also ensuring reliable protection on the road. Below are the top 10 car insurance companies in Kansas City, KS, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| State Farm | $98 |
| National Farmers Union P&C | $122 |
| Nationwide | $137 |
| Auto-Owners | $118 |
| USAA | $78 |
| SAFECO | $138 |
| Dairyland Auto | $73 |
| American Family | $135 |
| Allied | $139 |
| Farm Bureau Mutual | $124 |
Average Car Insurance Rates In Kansas City – By Age
| Age | Average Yearly Rate |
| Teenagers | $3,060 |
| 20s | $1,704 |
| 30s | $1,080 |
| 40s | $1,056 |
| 50s | $780 |
| 60s | $888 |
| 70s | $1,056 |
Average Car Insurance Rates In Kansas City – By Vehicle Type
| Vehicle | Average Monthly Rate |
| Toyota Rav4 | $83 |
| Ford Fusion | $133 |
| Honda Odyssey | $92 |
| Nissan Murano | $115 |
| Nissan Altima | $85 |
How Much Is Car Insurance For Other Cities In Kansas?
| City | Average Monthly Rate |
| Mission | $105 |
| Olathe | $109 |
| Overland Park | $113 |
| Salina | $82 |
| Hutchinson | $96 |
| Shawnee | $104 |
| Lawrence | $103 |
| Leawood | $110 |
| Lenexa | $114 |
| Liberal | $116 |
The city where you live plays a significant role in determining your car insurance rates. Insurance companies evaluate several factors related to your location, including the probability of accidents, vehicle theft, and vandalism rates, which are usually higher in urban areas. This elevated risk frequently results in higher premiums.
Our Methodology
Utilizing a comprehensive analysis that considers various aspects including customer service ratings, product offerings, pricing, and extensive evaluations from numerous online review platforms and user feedback, I've developed a thorough understanding of the car insurance provider landscape in Kansas City, Kansas. This perspective is well-informed, drawing upon over 15 years of direct involvement in the industry as a licensed insurance agent. Through countless interactions with representatives from diverse companies and insights gained from firsthand experience, I've refined this informed viewpoint.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Kansas City?
In Kansas City, the most affordable car insurance rates are provided by Nationwide for both the minimum coverage required by the State of Kansas and full coverage, which encompasses comprehensive and collision coverage.
What is the average cost of car insurance in Kansas City?
The average cost of car insurance in Kansas City is approximately $114 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant considerations.
Sources
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