Kansas City, KS Car Insurance

How much is auto insurance in Kansas City?


The average car insurance rate in Kansas City is $1,902 per year. That's more than the average across Kansas ($1,622) and more expensive than the national average of $1,548. Our guide to Kansas City car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!


KANSAS CITY AUTO INSURANCE RATES
Kansas City Average (annual)Kansas AverageUnited States Average
$1,902$1,622$1,548

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Kansas City auto insurance premiums by company


One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, Iowa Farm Bureau offers Kansas City's most affordable premiums. See below the best options for affordable auto insurance in Kansas City. Don't forget to get car insurance quotes based on your driving profile.


KANSAS CITY AUTO INSURANCE PREMIUMS BY COMPANY
Insurance CompanyAverage Yearly Rate
Iowa Farm Bureau$1,243
State Farm$1,313
American Family$1,433
Progressive$1,951
Farmers$2,039

Read our guide to finding the best cheap auto insurance.



Kansas City auto insurance rates by age

The age group that enjoys the lowest auto insurance rates in Kansas City are drivers in their age_50s, who pay an average of $1,607per year. Those in their age_60s don't pay significantly more ($1,622).

Teenage drivers pay Kansas City's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Kansas City is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Kansas City is $4,107, the largest such difference between any two age groups.


KANSAS CITY CAR INSURANCE RATES BY DRIVER AGE
AgeAverage Yearly Rate
Teenagers$6,714
20s$2,607
30s$1,855
40s$1,773
50s$1,607
60s$1,622
70s$1,917

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 marital status and gender may affect their car insurance rates. In Kansas City, married drivers pay $155 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. 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.

Gender is another factor that can impact auto insurance costs. In Kansas City, female drivers pay more for auto insurance than do male drivers: $35 per year, to be precise.


KANSAS CITY AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,937
Male$1,902
Single$1,747
Married$1,747
Divorced$1,902
Widowed$1,855

Learn more about how gender and marital status have on auto insurance rates.



Kansas City car insurance costs by accident and violation history


No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

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 $678 per year, compared to the citywide average. A DUI violation may lead to a $752 increase, while a citation for speeding leads to a $339 rate hike.


KANSAS CITY CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Yearly Rate
DWI/DUI$2,654
Reckless Driving$2,580
At-fault Accident (damages < $1,000)$2,371
At-fault Accident (damages > $2,000)$2,727
Speeding Ticket (16-20 mph over speed limit)$2,241

Learn more about the impact of driving violations on car 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. In Kansas City, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 54% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Kansas City, improving your credit to "Fair" could help you earn $1,239 in savings on insurance premiums each year.


KANSAS CITY CAR INSURANCE PREMIUMS BY CREDIT TIER
Credit ScoreAverage Yearly Rate
Very Poor$3,487
Fair$2,247
Good$1,902
Very Good$1,748
Exceptional$1,602

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.