Who Has the Cheapest Car Insurance Rates in Kansas City?

Kansas City, MO is a growing town of approximately 490,000 citizens. It’s a slightly older town than some when it comes to demographics, with a median age of 35, and approximately half of all local residents own their homes. With such good numbers in its favor, Kansas City drivers are likely to have favorable rates on their automobile insurance. However, other factors must be weighed such as auto theft rates, average commuting time, and individual credit scores.

In fact, Kansas City Missouri ranks rather high for auto theft. In 2018, their numbers landed them at #29 nationwide for car theft. A total of 9,712 cars were stolen in that year. When weighed against the total population, the 2018 car theft rate was 453 per 100k residents. On the other hand, Kansas City’s citizens have one factor in their favor: commute times.

In Kansas City, the average commute time is a rather low 21.2 minutes. When adjusted for a five-day workweek in a household of two full-time workers, that works out to 424 total minutes driving to and from work. That is lower than other cities, but when other trips are added, the total time likely exceeds 500 minutes per week per home. When added to the risk of car theft, this might raise an eyebrow or two for an insurance professional. In fact, the numbers raise a little when one tallies the commute for the entire Metro Statistical Area where average commutes are 22.2 minutes, one-way.

Drivers in Missouri, and Kansas City in particular, also face another challenge when it comes to insurance premiums: credit scores. Drivers with bad credit can pay an average of $1,250 more than their friends with good credit, and they even pay significantly more than those with good credit but a DWI.

Keep reading to learn more about insurance rates in Kansas City, MO.

How Much Car Insurance Coverage Do I Need in Kansas City

Kansas City’s busy streets, highways, and byways are nearly always full of drivers hustling to get to work, shopping, or on any sort of errand. With more drivers and more time on the road, Kansas City drivers thus increase their chances of an accident. While unfortunate, it’s possible that any driver out there could cause an accident. Thus, Missouri law requires that all drivers carry a minimum level of automobile insurance.

The minimum coverage falls under the category of liability insurance. With a liability-only policy, drivers are covered when they cause damage to another automobile. The state has set minimum levels for this coverage so that most accidents should be fully covered. However, the at-fault driver’s auto is not covered under such a liability policy. Their auto is not even covered if it is damaged in a hit-and-run, theft, or an act of nature. All drivers should consider a collision or comprehensive auto policy.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Kansas City by Insurer

While GEICO and Missouri Farm Mutual Auto Insurance lead the pack when it comes to cheap and affordable automobile insurance, there are plenty of options available for drivers in Kansas City. However, just because a company offers lower rates doesn’t mean they are necessarily the best choice for all drivers. Other companies might offer a better value when an auto policy is bundled with homeowner’s insurance, for example.

Use this expert guide to find the best auto insurance companies with the lowest rates.

Low Cost Auto Insurance for Bad Credit in Kansas City

Unfortunately, drivers with bad credit in Kansas City will find that their insurance policies are more expensive. Their policy might even be more expensive than a driver’s with excellent credit but a poor driving record. Kansas City drivers should seek out the lowest cost, yet highest-value insurance policy so that their car is covered while they settle their financial matters.

Our bad credit guide can help you find low cost auto insurance rates close by.

What is the Difference Between Full Coverage and Liability?

What is Liability-Only?

Liability insurance will pay for the injuries and/or damages that you cause to others in the case of a collision where you were at fault. In most cases, liability insurance will cost less than full-coverage insurance, but then again, they are both very different in what they cover. Liability is mandatory in all U.S. states, although how much liability you are required to have differs between states. Even if it wasn’t mandatory to have liability insurance, accidents can happen anytime and, if they do, you will need to be able to pay for the damages that you cause if you were the one to blame.

Full Coverage Auto Insurance

Full coverage auto insurance in Arizona pays for your injuries and the damages made to your car as well as for others and isn’t just a specific type of a policy but it is instead liability, comprehensive insurance, and collision all combined. Full coverage insurance is not mandatory, but is good to have since it will help pay for your car to be fixed in the event of an accident that causes you injury or damage to your car, even if you were at fault. If the other person that collided with you was at fault, then their insurance will cover the damages to your car and your injuries. This is why there are laws requiring everyone to have insurance to cover the damages they cause.

What is the Difference Between the Two Types of Car Insurance?

Liability coverage kicks in when you back up and hit a kid on a skateboard you did not see. It will also pay for a gate you run into and damage.

Collision insurance pays out when you back into a large rock at a campground, denting your pickup’s tailgate. It will pay to get the tailgate repaired.

Comprehensive coverage will pay for the repair costs when something flies out of the back of a semi-truck and you end up with a cracked windshield.

Average Annual Car Insurance Rates in Missouri by City

Additional cities in Missouri you can check out.

St. Louis



Helpful Advice to Get Lower Car Insurance Rates

Save on Your Insurance Policy Rates With These Discounts in Kansas City:

  • Shop around –

    As you can see from these few examples, the rates insurers charge for the very same driver demographics can vary incredibly. The television commercials by the insurers tell us we can save hundreds of dollars on automobile insurance. Actually, you could save a thousand or more dollars on your insurance each year.

  • Drive defensively –

    If you can stay out of accidents and don’t accrue moving violations, you can save a lot of money on your automobile insurance. People with too many accidents and moving violations have trouble getting insured at any rate.

  • Drive an older car –

    If you have a car that is too old and not worth enough to carry collision insurance, you can save quite a bit of money. This especially applies to younger drivers whose insurance costs are much higher. If they can drive an older vehicle that would just require liability insurance and maybe some inexpensive comprehensive insurance, they can save at least a thousand dollars or more on insurance.

  • Buy collision insurance with a high deductible rate –

    The higher deductible rate you can tolerate in the event of a collision and the need to repair your vehicle, the lower your collision insurance cost will be. Your collision insurance rate will be really high if your deductible is only around $500. If you can tolerate $1,500 or so, you can save quite a bit of money on this portion of your annual insurance rate.

  • Bundle your home and automobile insurance policies –

    If you can buy your automobile and home insurance from the same company, you will likely save money. Most insurers offer a substantial discount for having your home and auto policy with them.

To take advantage of all discounts on premiums, check out this guide.

Here are Some of the Typical Factors that Affect Your Kansas City Car Insurance Premiums

  • Gender
  • Marital Status
  • Age
  • Number of Violations
  • Credit Report/Score
  • Location
  • Driving Record
  • Insurance Company
  • Make and Model of your car
  • Your Insurance Plan
  • How many cars you have insured
  • Your Occupation
  • Miles you drive per year

Use this guide to compare top insurance company rates if you have a bad driving record.

Helpful Kansas City, Missouri Vehicle Resources:

Live Traffic Accidents by City

DMV in Missouri (Find Locations, Vehicle Registration, Titles and Insurance Info)


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