How much does auto insurance cost in Kansas City?


The average car insurance rate in Kansas City, Missouri, is $1,991 per year. That's greater than than the statewide average in Missouri ($1,736) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Kansas City.


KANSAS CITY CAR INSURANCE RATES
Kansas City Average (annual)Missouri AverageU.S. Average
$1,991$1,736$1,548

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Kansas City car insurance rates by provider


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Kansas City, State Farm provides the most affordable rates for the typical insurance customer. We've listed the best cheap car insurance companies in Kansas City below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


KANSAS CITY AUTO INSURANCE RATES BY COMPANY
CompanyAverage Yearly Rate
State Farm$1,355
American Family$1,892
Progressive$1,935
Farmers$1,962
GEICO$1,979

Read our guide to finding the best cheap auto insurance.



Car insurance rates by age bracket in Kansas City

Kansas City drivers in their 50s pay relatively affordable car insurance rates just $1,648each year, on average. Rates for Kansas City drivers in their 60s are also relatively affordable, at just $1,665 per year.

Teenage drivers pay Kansas City's most expensive insurance rates. When Kansas City drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Kansas City is $4,826, the largest such difference between any two age groups.


KANSAS CITY AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age groupAverage Yearly Rate
Teenagers$7,515
20s$2,688
30s$1,930
40s$1,786
50s$1,648
60s$1,665
70s$2,015

Learn more about the impact of age on car insurance premiums.



Kansas City auto insurance rates by marital status and gender


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Kansas City pay $183 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Kansas City, widowed drivers pay less than those who are single.

Another component of auto insurance pricing is gender. In Kansas City, female drivers pay $16 per year more than do male drivers.


KANSAS CITY CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$2,007
Male$1,991
Single$1,808
Married$1,808
Divorced$1,935
Widowed$1,899

Learn more about the impact gender and marital status have on insurance rates.



Kansas City car insurance rates by accident and citation history


Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. Kansas City drivers found guilty of reckless driving face insurance rate increases of $745 per year, compared to the citywide average. A DUI violation may lead to a $742 increase, while a citation for speeding leads to a $451 rate hike.


KANSAS CITY CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage Annual Rate
DWI/DUI$2,733
Reckless Driving$2,736
At-fault Accident (damages less than $1,000)$2,723
At-fault Accident (damages > $2,000)$2,991
Speeding Ticket (16-20 mph over speed limit)$2,442

Learn more about how citations can raise your auto insurance rates.



Kansas City car insurance rates by credit level


An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. Kansas City drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 67% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Kansas City, moving into the "Fair" credit tier corresponds to an average of $2,031 in savings on insurance each year.


KANSAS CITY AUTO INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Rate (annual)
Very Poor$4,480
Fair$2,449
Good$1,991
Very Good$1,740
Exceptional$1,498

Learn more about the relationship between poor credit and car insurance.



What drives up car insurance rates in Kansas City?

Where you live in Kansas City affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Kansas City is no exception to the rule. From ZIP code 64086 to 64128, premiums rise by 39 percent—that’s $403.

Expensive Kansas City ZIP codes: 66118, 64127, 66104, 64109, 64128

Cheap Kansas City ZIP codes: 64086, 64081, 64079, 64012, 64089

Kansas City Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Kansas City, you can expect 91 rainy days with an annual rainfall of 39.1 inches. Kansas City is also known to experience severe winter storms.

91

Rainy Days a Year

39"

Avg. Annual Rainfall

13"

Avg. Annual Snowfall

Be Prepared For

Driving in KCMO

2
Major Highways
I-29 I-35 I-70
2
Public Transit
The Metro
2
Popular Day Trips
Atchison Excelsior Springs Weston Bend State Park

Find Local Kansas City Agents

Lockton Companies

444 W 47th St, Ste 900, Kansas City, MO 64112

JM Wilson

4700 Belleview Ste 205, Kansas City, MO 64112

Medical Liability Specialists

310 Armour Rd Ste 200, Kansas City, MO 64116

William Henry Agency

324 E 11th St Ste 1809, Kansas City, MO 64106

Dennis McLaughlin Insurance Agency

406 W 34th St Suite 802, Kansas City, MO 64111

Tallman Insurance Agency

406 W 34th St Ste 806, Kansas City, MO 64111

Cheapest Auto Insurance

B, 7211 NW 83 St #255, Kansas City, MO 64152

Precision Benefits

700 W 31st St Ste 702, Kansas City, MO 64108

Aon Risk Services Central

4801 Main St # 350, Kansas City, MO 64112

Thomas McGee, L.C.

920 Main St., Suite 1700, Kansas City, MO 64105

3BS of KC dba Krueger and James Ins Agency

1126 Swift Ave, Kansas City, MO 64116

CBIZ Insurance Services

700 West 47th Street, Suite 1100, Kansas City, MO 64112

LB7 Insurance Agency

2319 Independence Blvd, Kansas City, MO 64124

Not sure about Kansas City

Check out these other Missouri cities:

St. Louis

2

$1,197

The average Kansas Citian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

192

That's equal to 192 cups of coffee or $479 in savings

See How Much You Can Save in Kansas City

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Recent Questions:

Kansas City Car Insurance

How do I handle car insurance after my husband's death?

I'm sorry to hear your husband has passed. Every company is different when it comes to their process when a spouse passes away.

Liability coverage or comprehensive coverage for 04 Nissan Altima

There are a few things to consider when selecting coverage. The age of the vehicle is one of them.

I have a loan on my car but don't drive do i need insurance

Because you have a loan on the car, you more than likely will have to carry comprehensive and collision coverage as well as your state required liability insurance. This is because whoever holds the loan has a financial investment on the vehicle and if anything were to happen to it, they would be left vulnerable.

What coverage should I get if I own a home?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;There is no specific requirement as to what level of coverage a homeowner must carry on their auto insurance, however, the point of liability coverage is to pay for injury and damage that you might cause in an accident. Your home is your largest asset and you should be aware of the importance of protecting that asset against civil lawsuits arrising from exceeding the amount of coverage on your auto insurance policy due to an accident.