Cheapest Car Insurance In Kansas City, KS 2024
The most affordable minimum coverage car insurance in Kansas City, at $35 a month on average, is offered by Auto-Owners.
We’ve saved shoppers an average of $600 per year on their car insurance.
Trying to find inexpensive car insurance in Kansas City, KS, can reveal a large disparity in costs.
Drivers looking for the cheapest liability-only insurance find Auto-Owners at the top. For full coverage, Auto-Owner is still the go-to, and Travelers offers young drivers the best rates available.
Cheapest Car Insurance Companies In Kansas City, KS
Cheapest Liability-only Car Insurance In Kansas City: Auto-Owners
At $35 a month on average, Auto-Owners offers the cheapest minimum coverage car insurance in Kansas City.
Look at the table to compare rates offered by different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $35 | $424 |
| American Family | $44 | $530 |
| State Farm | $52 | $621 |
| Nationwide | $56 | $668 |
| Allstate | $92 | $1,104 |
Cheapest Full Coverage Insurance Rates In Kansas City: Auto-Owners
The least expensive full coverage car insurance option in Kansas City is Auto-Owners, with quotes averaging $86 a month.
The table compares average quotes from affordable auto insurance providers in Kansas City.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $86 | $1,030 |
| Nationwide | $101 | $1,208 |
| State Farm | $115 | $1,375 |
| Progressive | $152 | $1,822 |
| Allstate | $168 | $2,016 |
Cheapest Car Insurance Rates For Seniors: American Family
For seniors in Kansas City, the best deal on car insurance is with American Family, at an average of $72 a month.
The table shows a comparison of average quotes from the cheapest car insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $72 | $870 |
| State Farm | $119 | $1,425 |
| Nationwide | $93 | $1,120 |
| Allstate | $183 | $2,190 |
| Progressive | $140 | $1,679 |
Cheapest Rates In Kansas City For Teenagers: Nationwide
With average premiums of $98 a month, Nationwide is the most cost-effective option for teenage drivers in Kansas City.
The table showcases companies that have the cheapest insurance rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $98 | $1,178 |
| State Farm | $204 | $2,450 |
| Auto-Owners | $252 | $3,026 |
| GEICO | $279 | $3,347 |
| Allstate | $305 | $3,660 |
Cheapest Auto Insurance For Young Adults in Kansas City: Travelers
For budget-conscious young adults in Kansas City, Travelers provides the cheapest quotes, at an average of $100 per month.
The table below lists the most cost-effective car insurance rates in Kansas City for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $100 | $1,205 |
| State Farm | $164 | $1,970 |
| Nationwide | $125 | $1,505 |
| GEICO | $143 | $1,712 |
| Allstate | $179 | $2,152 |
Cheapest Car Insurance In Kansas City For Good Drivers: Auto-Owners
For good drivers in Kansas City, Auto-Owners offers the most cost-effective car insurance, with average monthly premiums of $35.
Good drivers can refer to the table below for average quotes from the most economical insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $35 | $424 |
| American Family | $44 | $530 |
| State Farm | $52 | $621 |
| Nationwide | $56 | $668 |
| Allstate | $92 | $1,104 |
Find affordable Kansas City rates
Cheapest Car Insurance In Kansas City After A Speeding Ticket: American Family
With an average monthly rate of $91, American Family is an affordable choice for Kansas City drivers who have a speeding ticket on their record.
Find average insurance rates for drivers with a speeding ticket in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $91 | $1,097 |
| State Farm | $144 | $1,732 |
| Nationwide | $120 | $1,440 |
| Allstate | $191 | $2,290 |
| Shelter | $152 | $1,824 |
Cheapest For Drivers With After At-Fault Accident: American Family
American Family provides the most cost-effective car insurance rates for drivers with an at-fault incident, at $77 per month on average.
Here’s a rundown of the car insurance companies with the cheapest rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $77 | $924 |
| Travelers | $124 | $1,470 |
| State Farm | $155 | $1,864 |
| GEICO | $211 | $2,530 |
| Allstate | $233 | $2,799 |
Cheapest Rates In Kansas City For Drivers After A DUI: American Family
American Family provides Kansas City drivers with a DUI the cheapest rates, averaging $91 in monthly premiums.
You can use the table below to see the cheapest insurance rates for Kansas City drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $91 | $1,092 |
| State Farm | $144 | $1,732 |
| Progressive | $165 | $1,980 |
| Allstate | $227 | $2,728 |
| Shelter | $280 | $3,360 |
Best Car Insurance Companies In Kansas City
For drivers in Kansas City, the best insurance deal comes from Auto-Owners at $35 a month. American Family offers coverage at $44, and State Farm charges $52 per month.
The following are the top 10 car insurance companies in Kansas City, KS, ranked by the average rate they offer each month.
| Company | Monthly Premium |
| Auto-Owners | $35 |
| American Family | $44 |
| State Farm | $52 |
| Nationwide | $56 |
| Allstate | $92 |
| Travelers | $42 |
| Iowa Farm Bureau | $47 |
| Progressive | $56 |
| Shelter | $66 |
| Farmers | $54 |
| Dairyland | $124 |
Average Auto Insurance Rates In Kansas City – By Age
Age is one of the main factors in calculating car insurance costs. Younger drivers are more expensive to insure because of higher accident rates, and teens may pay as much as $3,560 per year.
Drivers generally experience a drop in insurance rates at age 25, assuming they’ve maintained a safe driving history.
The most favorable insurance rates are frequently offered to drivers in their 50s and early 60s. Age serves as a metric for insurance companies to measure experience and risk, influencing premiums.
| Age | Average Yearly Rate |
| Teenagers | $3,560 |
| 20s | $2,530 |
| 30s | $1,620 |
| 40s | $1,260 |
| 50s | $1,288 |
| 60s | $1,224 |
| 70s | $1,318 |
Average Cost Of Auto Insurance In Kansas City – By Zip Code
Because insurers use zip codes to determine crime levels, car insurance premiums differ from one location to another.
Use the table below to discover average car insurance costs across Kansas City zip codes.
| Zip Code | Average Monthly Rate |
| 66106 | $154 |
| 66111 | $150 |
| 66105 | $126 |
| 67132 | $80 |
| 66103 | $135 |
Average Rates In Kansas City – By Vehicle
Car insurance rates depend in part on the vehicle type. Factors such as the car’s make, model, year, and design are considered. Newer and luxury models, especially those with advanced features, usually carry higher premiums.
The table below provides average rates in Kansas City for different vehicle models.
| Vehicle | Average Monthly Rate |
| Chevrolet Equinox | $192 |
| Cadillac Dts | $82 |
| Ford Escape | $215 |
| Chevrolet Traverse | $346 |
| Hyundai Sonata | $102 |
How Much Is Car Insurance In Other Cities In Kansas?
The city in which you live has a major influence on your car insurance premiums. Insurance companies analyze location-based factors like accident frequency, theft rates, and vandalism, which are typically elevated in cities and lead to higher costs.
As an example, Lawrence drivers face monthly insurance costs of approximately $135, while those in Salina pay around $102 per month on average.
| City | Average Monthly Rate |
| Mission | $109 |
| Olathe | $124 |
| Overland Park | $130 |
| Salina | $102 |
| Hutchinson | $113 |
| Shawnee | $127 |
| Lawrence | $135 |
| Leawood | $110 |
| Lenexa | $131 |
| Liberal | $116 |
Find affordable Kansas City rates
Our Methodology
Drawing on a thorough analysis that spans customer service, product features, pricing, and user reviews, I’ve assembled a comprehensive assessment of Kansas City, KS car insurance landscape.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Kansas City?
The cheapest car insurance in Kansas City for the minimum coverage comes from Auto-Owners. Auto-Owners again provides the lowest rates for full coverage, including both comprehensive and collision.
What is the average cost of car insurance in Kansas City?
The typical cost for car insurance in Kansas City is about $160 a month, but this can vary based on your zip code, car model, and driving history.
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