According to Bankrate’s 2021 study on annual premiums, the average Kansas City driver pays $1,857 for complete coverage insurance, and $569 for minimum liability-only coverage insurance. Kansas City’s 2.15 million drivers are legally required by law to have car insurance. However, you can choose a cheaper provider for car insurance.
By comparing popular providers, we found the lowest-priced car insurance companies in Kansas City. We use exclusive data to analyze the best cars insurance in Kansas City using their average rates, discounts and coverage options.
Kansas City’s best car insurance companies
These providers are the best for drivers looking for the best auto insurance companies in Kansas City. These companies offer great discounts, affordable premiums and strong financial ratings.
USAA provides highly-rated car insurance to active military personnel, veterans, and their spouses. The average Kansas City provider is the least expensive, with a $1,272 annual full coverage premium and a $299 annual minimum coverage premium. This is significantly lower than the average. USAA offers excellent customer service and great discounts. This includes military-specific savings as well as endorsement policies.
Progressive offers excellent coverage options. You have the option to add protections that are not offered by other providers, such as free coverage for pet injuries, custom-made parts and equipment value and rideshare insurance. Personal injury protection (PIP), roadside help, and gap insurance are also available.
Farmers is known for its extensive coverage options and unique endorsement policies. Kansas City drivers have the option to customize their policy by adding accident forgiveness, spare parts coverage and full windshield and glass coverage. They also have the ability to waive a glass repair fee and guarantee value ™ coverage for totaled cars. For drivers who want a lower rate, Farmers offers discounts.
State Farm is the biggest car insurance company in the United States. State Farm is a popular choice for Kansas City drivers due to its low rates, generous discounts, no claims, good grades, safe vehicles, and other benefits. Kansas City drivers can also save money by completing one the safe driver reward programs Steer Clear, for young drivers, and Drive Safe & Save, for adults.
Kansas City’s lowest car insurance
Kansas City’s average car insurance rate is higher than that in Missouri. Missouri drivers pay $1,680 annually for full coverage insurance. Minimum coverage insurance costs $445. The table below lists the best car insurance options for budget-minded drivers in Kansas City.
These providers have the lowest rates in Kansas City. However, each provider has its advantages and disadvantages. USAA is a great provider with excellent coverage and customer service. However, drivers must be a member of the military to be eligible for coverage. Farmers and Allstate offer many endorsements, but their customer support ratings are lower.
Farmers offers excellent coverage options. However, the policies are more costly and do not offer discounts. These providers have better digital tools than the others.
AM Best has good ratings for all five providers, but J.D.’s overall satisfaction ratings are lower than their financial strength ratings. Power’s 2020 U.S. Auto Insurance Study is different. USAA, Progressive, and State Farm are rated higher than average, while Farmers and Allstate are lower.
Insurance requirements for Kansas City
Kansas City drivers must have car insurance if their vehicle is registered in Missouri. The minimum insurance requirement is 25/50/10 personal liability and uninsured/underinsured motorist liability coverage. Kansas City’s mandatory 25/50/10 coverage covers:
- $25,000 bodily injury liability coverage per individual
- $50,000 bodily injury liability coverage per accident
- $10,000 per accident in property damage liability coverage
Minimum coverage insurance pays the lowest rates for drivers. There is no guarantee that liability only insurance will cover all costs of an accident at fault. Drivers who cause an accident that exceeds the policy’s limits are responsible for paying out any difference.
Full coverage insurance is recommended for most drivers. Full coverage insurance is required for drivers who lease or finance a vehicle.
Kansas City car insurance discounts
Many Kansas City car insurance companies offer discounts to help drivers obtain a lower rate. These are the top savings:
- Bundling policy: Drivers who have their vehicle and home insured with the same insurer usually qualify for a policy bundle discount.
- Multi-vehicle: Drivers that insure multiple vehicles on the same policy will usually receive a lower premium.
- No claims: Drivers with no insurance claims or accidents can receive a claim-free discount.
- A good student: Students with high grades and a minimum GPA will usually be granted a lower rate.
Questions frequently asked
Which is the best auto insurance company?
Every driver will have their own opinion about the best car insurer. Different drivers have different needs. Some drivers want the lowest rates while others need the best customer service. Others are looking to get unique coverage. Amica, Geico and Erie are the top-rated providers. Nationwide is also a good choice.
What is the cost of car insurance in Kansas City?
Kansas City’s average driver pays $1857 for full coverage insurance, and $569 to get minimum coverage insurance. Car insurance rates can be personalized. Each driver will pay a different premium depending on factors such as age, credit score and claims history.
What amount of car insurance do you 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. For greater protection, many drivers opt to buy a full coverage policy.