Cheapest Car Insurance In Kansas City, KS 2024
The most affordable minimum coverage car insurance in Kansas City, at $37 a month on average, is offered by GEICO.
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 GEICO at the top. For full coverage, Progressive is the go-to, and State Farm 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 $37 a month on average, GEICO 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 | $37 | $436 |
| Progressive | $58 | $701 |
| Country Financial | $39 | $465 |
| State Farm | $65 | $780 |
| Allstate | $59 | $708 |
Cheapest Full Coverage Insurance Rates In Kansas City: Allstate
The least expensive full coverage car insurance option in Kansas City is Progressive, with quotes averaging $92 a month.
The table compares average quotes from affordable auto insurance providers in Kansas City.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $91 | $1,084 |
| Progressive | $133 | $1,597 |
| Auto-Owners | $84 | $1,008 |
| GEICO | $134 | $1,604 |
| State Farm | $120 | $1,420 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
For seniors in Kansas City, the best deal on car insurance is with State Farm, at an average of $87 a month.
The table shows a comparison of average quotes from the cheapest car insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $89 | $1,063 |
| State Farm | $101 | $1,205 |
| Allstate | $99 | $1,184 |
| Mercury | $113 | $1,350 |
| Progressive | $130 | $1,537 |
Cheapest Rates In Kansas City For Teenagers: Allstate
With average premiums of $313 a month, State Farm 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 |
| Allstate | $179 | $2,140 |
| State Farm | $304 | $3,622 |
| Auto-Owners | $280 | $3,270 |
| GEICO | $298 | $3,566 |
| Progressive | $360 | $4,320 |
Cheapest Auto Insurance For Young Adults in Kansas City: Allstate
For budget-conscious young adults in Kansas City, State Farm provides the cheapest quotes, at an average of $238 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 |
| Allstate | $96 | $1,144 |
| State Farm | $149 | $1,782 |
| Auto-Owners | $120 | $1,430 |
| GEICO | $202 | $2,422 |
| Progressive | $168 | $1,972 |
Cheapest Car Insurance In Kansas City For Good Drivers: Auto-Owners
For good drivers in Kansas City, Auto-Owners offers the most affordable car insurance, averaging around $37 per month.
Good drivers can refer to the table below to compare average quotes from budget-friendly insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $37 | $436 |
| Progressive | $58 | $701 |
| Country Financial | $39 | $465 |
| State Farm | $65 | $780 |
| Allstate | $59 | $708 |
Find affordable Kansas City rates
Cheapest Car Insurance In Kansas City After A Speeding Ticket: Auto-Owners
In Kansas City, Auto-Owners stands out as a low-cost option, offering average rates of $96 per month for drivers with speeding violations on their record.
Use the table below to see average insurance rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $96 | $1,142 |
| State Farm | $134 | $1,606 |
| Country Financial | $104 | $1,240 |
| Allstate | $103 | $1,230 |
| Progressive | $179 | $2,142 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
For drivers with an at-fault incident, Auto-Owners offers the most affordable car insurance rates, with an average monthly premium of $108.
Here’s a list of car insurance companies providing the most affordable rates for drivers who have been at fault in an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $108 | $1,290 |
| Country Financial | $110 | $1,304 |
| State Farm | $146 | $1,750 |
| GEICO | $198 | $2,372 |
| Progressive | $249 | $2,980 |
Cheapest Rates In Kansas City For Drivers After A DUI: Allstate
For Kansas City drivers who have a DUI, Allstate offers the most affordable insurance rates, averaging $123 per month.
Below is a table highlighting the most affordable rates for Kansas City drivers who have a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $123 | $1,474 |
| State Farm | $134 | $1,604 |
| Progressive | $218 | $2,610 |
| GEICO | $496 | $5,940 |
| Country Financial | $126 | $1,505 |
Best Car Insurance Companies In Kansas City
Drivers in Kansas City can get the best insurance deals from Auto-Owners at $37 per month. Other options to consider include Allstate at $59 and Country Financial at $39 monthly.
The following shows the top 10 car insurance companies in Kansas City, KS, organized by their average monthly premiums.
| Company | Monthly Premium |
| Auto-Owners | $37 |
| State Farm | $65 |
| Allstate | $59 |
| Country Financial | $39 |
| GEICO | $65 |
| Mercury | $50 |
| Progressive | $58 |
| Farm Bureau | $60 |
| Safeco | $49 |
| Direct | $40 |
| Mile Auto | $52 |
Average Auto Insurance Rates In Kansas City – By Age
One major factor that influences car insurance rates is age. Younger drivers usually have higher premiums due to their limited driving experience and a higher risk of accidents and violations. Teenagers can anticipate spending about $8,180 each year on car insurance.
Drivers often see a decrease in their insurance premiums when they reach 25 years of age, as long as they have a spotless driving history.
The best insurance rates are typically available to drivers in their 50s and early 60s. Insurers consider age as a measure of driving experience and risk, influencing how much premiums cost.
| Age | Average Yearly Rate |
| Teenagers | $8,180 |
| 20s | $3,546 |
| 30s | $2,440 |
| 40s | $2,260 |
| 50s | $2,11o |
| 60s | $2,080 |
| 70s | $2,050 |
Average Cost Of Auto Insurance In Kansas City – By Zip Code
Zip codes play a crucial role in helping insurance companies evaluate crime rates in a region, resulting in different car insurance premiums for each zip code.
Below is a table where you can find the average insurance premiums for different zip codes in Kansas City.
| Zip Code | Average Monthly Rate |
| 30349 | $257 |
| 30314 | $240 |
| 30310 | $229 |
| 30326 | $187 |
| 30341 | $195 |
Average Rates In Kansas City – By Vehicle
| Vehicle | Average Monthly Rate |
| Toyota Rav4 | $83 |
| Ford Fusion | $133 |
| Honda Odyssey | $92 |
| Nissan Murano | $115 |
| Nissan Altima | $85 |
How Much Is Car Insurance In 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 |
Find affordable Kansas City rates
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.
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