Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Oct 25, 2020

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Are you in need of cheap auto insurance in Kansas City, MO? With, you’ll find the most affordable insurance premiums where you live. To acquire free insurance quotes from the major providers immediately, input your ZIP code within the quote box here.

What started out as a settlement for a river port and a popular trading post has today flourished into the modern-day marvel that is Kansas City, Missouri. Because of its convenient geographic location, the city was poised to take advantage of the railroad industry once commerce started expanding westward.

Even to this day, Kansas City still has a dynamic business environment and is highly praised by its residents.

Read on to learn everything you need to know about Kansas City, MO auto insurance from rates to requirements and everything in between.

Enter your ZIP code in your free tool above to get a quote today.

Auto Insurance Coverage Requirements in Missouri

Driving legally in Kansas City requires:

CoverageRequirementsMost Common
Bodily Injury Liability25,000/50,000100,000/300,000
Property Damage Liability10,00050,000
Uninsured Motorist Bodily Injury25,000/50,00025,000/50,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible

Bear in mind that although purchasing less coverage may appear as being a better deal, it could cost you with time. Liability and Uninsured Driver Bodily Injuries coverage are usually limited. It simply covers you whenever you cause any kind of accident, or possibly an underinsured insured driver physically harms you on the road. In any other scenario, you will have to fix your car or pay hospital bills 100% out-of-pocket.

Your average Missouri driver most likely pays around $101 monthly on their own rates. This really is very good, but Kansas City motorists could possibly get as little as $48/mo* when they understand what discount rates to search for. Keep reading through below to discover what individuals are.

Average Monthly Auto Insurance Premiums Legend: Kansas City Allstate Allied Cal Casualty State Farm Safe Auto 5 10 15 20 25 30 35 40 45 50 55 $40 $42 $42 $44 $59


Cal Casualty, Allstate, and Allied are providing some of the cheapest car insurance in Kansas City, MO at this time. But would be that the most significant facet of your research? Will they offer reduced rates and things to look for? Could they be the least expensive, however with a convoluted claims process? Just since they’re providing the cheapest rate does not mean those are the best company. You have to research every aspect of insurance companies before you decide to come to a decision.

Insurance providers contemplate different factors when figuring out insurance prices, particularly marital status, zip code, occupation, miles driven each year, and theft protection devices. On top of that, premiums differ from one company to another. To verify you are still being charged the best fee, evaluate cheap Kansas City automobile insurance premiums on the internet.

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Major Car Insurance Factors in Kansas City

Each time your automobile insurance provider sits down to write your plan, they take many factors under consideration. Many of these, such as credit history or perhaps your particular address, are generally impossible to improve. These factors will play a major role in what type of car insurance in Kansas City, MO you’ll be able to purchase. Some other variables are:

Your Zip Code

For most people, the most affordable vehicle insurance is normally associated with cities with a lower population density. Since there are a lesser number of cars cruising the road, there are a lot fewer opportunities to get into a significant crash with another driver. The population of Kansas City is actually 467,007 plus the average family earnings are $45,551.

Auto Insurance by Zip Code Legend: Kansas City St. Louis Columbia Independence Springfield Allstate Allied Cal Casualty State Farm Safe Auto 5 10 15 20 25 30 35 40 45 50 55 60 $40 $46 $33 $42 $34 $42 $44 $29 $36 $31 $42 $47 $28 $36 $35 $44 $49 $28 $37 $35 $59 $63 $45 $56 $45


Automotive Accidents

Any zip code with a high number of fatal accidents makes it riskier for you to be on the road. Insurance companies tend to charge higher rates in areas with high accident statistics to offset this risk. There is a possibility that Kansas City insurance rates may be influenced by this, so talk to your provider about any Safe Driver discounts they may offer.

Fatal Accidents in Kansas City, MO Legend: Kansas City Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 15 30 45 60 75 90 105 120 54 89 22 57 133 11

Auto Thefts in Kansas City

Obtaining low-cost vehicle insurance can be tough should you be at risk for auto theft. Certain trendy car or truck models are alluring to thieves, in addition to cars or trucks which are left frequently in big metropolitan areas. The full amount of stolen vehicles in Kansas City rose to 4,287 in 2013. Because the city has an alarmingly high risk of auto theft, it would be best to make sure that you’re covered with Comprehensive insurance on your vehicle.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Allstate Allied Cal Casualty State Farm Safe Auto 15 30 45 60 75 90 105 120 135 150 165 $40 $130 $42 $94 $42 $176 $44 $135 $59 $129

Your Credit Score

It works out that the credit rating is among the greatest influential factors if this involves identifying your insurance rates. Just consider the chart below. For those who have a bad credit score, your rates might be between 2x greater (or even more) than someone with better credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Allstate Allied Cal Casualty State Farm Safe Auto 10 20 30 40 50 60 70 80 90 $39 $55 $37 $58 $33 $72 $35 $79 $52 $98

Your Age

The greater your youth, as well as the less experience you’ve collected from driving, the higher your odds are to find yourself in any kind of accident. However, teenage drivers are able to reduce a couple of the rates hikes by thinking about good student special discounts, as well as taking Drivers Education and defensive driving courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Allstate Allied Cal Casualty State Farm Safe Auto 35 70 105 140 175 210 245 280 315 350 $40 $104 $42 $180 $42 Do Not Sell $44 $143 $59 $355

Your Driving Record

Have you got a fairly clean driving history? If that’s the case, then you will probably pay substantially lower monthly rates for the automotive insurance. If you have a small breach or two, your rate will increase – however, you may have the ability to lower your premium with “Accident Forgiveness” along with other similar discount rates.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Allied Cal Casualty State Farm Safe Auto 15 30 45 60 75 90 105 120 135 $40 $46 $52 $56 $42 $61 $140 $68 $42 $49 Do Not Sell $57 $44 $48 $48 $52 $59 $70 $88 $88


Your Vehicle

For reasonably-priced, compact, fuel-efficient sedans, your insurance costs are going to be reduced compared to if you opt to purchase and drive around inside a luxury vehicle. Costlier cars want more coverage, and much costlier insurance policies.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate Allied Cal Casualty State Farm Safe Auto 20 40 60 80 100 120 140 160 180 200 $40 $171 $42 $97 $42 $201 $44 $175 $59 $152

Minor Car Insurance Factors in Kansas City

Surprisingly, most people don’t know (or aren’t aware of how exactly) the following factors can influence their rates each month:

Your Marital Status

If you are part of a couple, there’s very good news: it will save you money on your automotive insurance coverage in the event you bundle them together. As single people, however, you won’t save greatly being married versus a common-law relationship.

Your Gender

Many car insurance companies are naturally leaning away from charging extremely different rates for men and women motorists. Many companies don’t charge different rates whatsoever according to gender alone. Individuals that do charge a maximum of 1-2% difference – and whether that difference punishes males or women is dependent wholly around the insurance carrier.

Your Driving Distance to Work

Your average commute time in Kansas City will usually only last between 18-21 minutes. However, commute times ranging up to 35 minutes are also highly likely. Nearly 77% of all commuters will choose to drive their own vehicle in to work, while an additional 4-21% will likely carpool.

Most companies give very little weight to your purpose for driving, together with the miles you drive each year. However, if you assess the information, a number of these factors barely produce a dent within your monthly premium – for example, there can be no more than a 4% discount for driving less miles each year. However, business automobiles have about 10-15% greater rates than regular automobiles.

Your Coverage and Deductibles

Want to save cash on your insurance bill every month? Try raising your deductible. A greater deductible means you’ll be billed lower monthly rates from your insurance provider. However, additionally, it implies that your repairs could be costlier when the worst happens.

Education in Kansas City, MO

In Kansas City, more than one-quarter of the populace has earned a high school diploma or an equivalent thereof. Moreover, there is less than a 1% difference between those who have yet to complete their high school education (17.5%) and those who have earned a bachelor’s degree (17%). For those motorists who have gone the extra mile with their education, you should know that having an advanced degree can save you hundreds off your car insurance premiums each year – it’s an even better discount than you’d get for being employed in a specific career, or having an unusually high salary.

The University of Missouri at Kansas City is the most well-known institution for higher education within the city limits. More than 15,000 students will enroll each year hoping to earn a bachelor’s or higher from this prestigious university. There is also the Kansas City Art Institute for those pursuing a creative career, and several institutions affiliated with religious organizations such as Avila College. For those wishing to break into the medical field, there is also the Research College of Nursing. Click here to learn more about Kansas City.

Locating affordable automobile insurance can easily be a hassle. There’s a lot of important information to take into account, and determining the way in which insurance companies examine your potential risk can be challenging. But don’t permit the wrong insurance agency talk you into buying the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

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