State Farm offered the best rates for minimum coverage in Kansas City, Mo., our analysis found. The party ‘s average annual rate in the city is $ 22 less per month than the city overall .
Missouri ‘s largest city is on the express ‘s westerly edge. Although insurance rates there are more expensive than the state of matter overall, you can find savings by shopping around and seeing how samara factors affect your rates .
We found that rates for fully coverage could range by more than $ 1,900 depending on the company you choose, while minimum-coverage rates could more than double depending on the insurance company.
Cheapest auto insurance in Kansas City: State Farm
State Farm had the cheapest car indemnity quotes in Kansas City, with an average annual price of $ 564 — 32 % cheaper than the city average. American Family had Kansas City ‘s second-lowest rates at $ 626 per class. That was slenderly cheaper than third-place Allstate at $ 680 .
Those who can qualify for USAA — a group that includes stream and early military members, angstrom well as some kin members — should consider getting a quotation. USAA ‘s average minimum-coverage rate in K.C. was $ 277 .
Find Cheap Auto Insurance Quotes in Kansas City
presently insured ? Given the opportunity to save money, it might seem worthwhile to purchase a minimum-liability policy. however, that will not protect your own vehicle, meaning you will have to cover any wrong from an at-fault accident .
We recommend drivers with newfangled or expensive vehicles invest in extra coverage or a full-coverage policy. { “ backgroundColor ” : ” ice ”, ” content ” : ” \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” ShortcodeImage — root left\ ” \u003E\n \u003Cdiv class=\ ” ShortcodeImage — image-container \ ” \u003E\n \u003Cimg alt=\ ” icon of car\ ” class=\ ” ShortcodeImage — prototype lazyload\ ” style=\ ” width : 60px ; \ ” data-src=\ ” hypertext transfer protocol : \/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit, dpr_1.0, f_auto, h_1600, q_auto, w_60\/v1\/static\/icons\/car-stroke2\ ” src=\ ” hypertext transfer protocol : \/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit, dpr_2.0, e_blur:1000, f_auto, h_1600, q_1, w_60\/v1\/static\/icons\/car-stroke2\ ” data-srcset=\ ” hypertext transfer protocol : \/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit, dpr_1.0, f_auto, h_1600, q_auto, w_60\/v1\/static\/icons\/car-stroke2 1x, hypertext transfer protocol : \/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit, dpr_2.0, f_auto, h_1600, q_auto, w_60\/v1\/static\/icons\/car-stroke2 2x\ ” \u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EWe commend drivers with newfangled or expensive vehicles invest in extra coverage or a \u003Cspan\u003E\u003Ca class=\ ” ShortcodeLink — root ShortcodeLink — black\ ” title=\ ” full-coverage policy\ ” href=\ ” hypertext transfer protocol : \/\/www.valuepenguin.com\/best-cheap-full-coverage-auto-insurance\ ” \u003Efull-coverage policy\u003C\/a\u003E\u003C\/span\u003E. \n ”, ” padding ” : ” double ” }
|
Rank |
Company |
Average annual rate |
|---|---|---|
| 1 | State Farm | $564 |
| 2 | American Family | $626 |
| 3 | Allstate | $680 |
| 4 | Progressive | $686 |
| 5 | Shelter | $981 |
| 6 | Farmers | $1,077 |
| 7 | Geico | $1,164 |
| 8 | Auto Club | $1,404 |
| N/A | USAA | $277 |
Cheapest full-coverage car insurance in Kansas City: State Farm
State Farm, American Family and Shelter have the cheapest rates for full coverage in Kansas City. All charged less than $ 2,600 for an annual policy. state farm had the lowest increase to switch from minimum coverage to full coverage. The price increased by $ 1,068 to $ 1,632 per year .
|
Rank |
Company |
Average annual rate |
|---|---|---|
| 1 | State Farm | $1,632 |
| 2 | American Family | $2,053 |
| 3 | Shelter | $2,591 |
| 4 | Allstate | $2,827 |
| 5 | Progressive | $3,053 |
| 6 | Geico | $3,495 |
| 7 | Auto Club | $4,402 |
| 8 | Farmers | $4,609 |
| N/A | USAA | $950 |
A full-coverage policy can cost more than four times angstrom much as minimal coverage. Full coverage includes higher indebtedness limits than the state of matter minimum plus comprehensive and collision coverage .
comprehensive
Protects against “ acts of God ” or damage caused by circumstances out of your control, including storms, vandalism and falling. collision
Protects you in cases where you crash your car into another object, or your car flips over or is driven into a dump. If your car is less than 10 years old or is worth more than $ 3,000, we recommend that you add this extra protection. Comprehensive coverage protects in situations that are unpredictable and out of your operate, while collision covers some of the most common ways your fomite can receive wrong. { “ backgroundColor ” : ” frost ”, ” contentedness ” : ” \u003C\/p\u003E\n\n\u003Cp\u003EIf your cable car is less than 10 years previous or is worth more than $ 3,000, we recommend that you add this extra security. Comprehensive coverage protects in situations that are unpredictable and out of your control, while collision covers some of the most common ways your vehicle can receive price. \n ”, ” padding ” : ” double ” }
Cheap car insurance for drivers with prior incidents
Incidents on your driving record such as a speed ticket, DUI or accident will raise your rates in Kansas City and barely about anywhere else .
We found the cheapest car indemnity for Kansas City drivers who have :
Cheapest car insurance in Kansas City after an accident: State Farm
The top option for full-coverage rates following an at-fault accident is State Farm, which was $ 1,347 cheaper than the second-most-affordable choice, American Family .
The average pace for State Farm was $ 1,925 per year, 18 % more than with a clean record. On average in Kansas City, Mo., an accident raised rates by 44 % .
|
Rank |
Company |
Rate before accident |
Rate after accident |
Difference |
|---|---|---|---|---|
| 1 | State Farm | $1,632 | $1,925 | $293 |
| 2 | American Family | $2,053 | $3,272 | $1,219 |
| 3 | Shelter | $2,591 | $3,301 | $710 |
| 4 | Allstate | $2,827 | $3,880 | $1,053 |
| 5 | Progressive | $3,053 | $4,545 | $1,492 |
| 6 | Geico | $3,495 | $5,570 | $2,075 |
| 7 | Farmers | $4,609 | $6,376 | $1,767 |
| 8 | Auto Club | $4,402 | $6,865 | $2,463 |
| N/A | USAA | $950 | $1,242 | $292 |
In Missouri, the average rate increase for an accident is 41 %, thus Kansas City drivers pay slenderly more .
Cheapest car insurance for drivers with a speeding ticket: State Farm
insurance after a speeding ticketState Farm Kansas City ‘s best rates for full-coveragecame from, which was 49 % cheaper than the city average. State Farm ‘s overall rate was $ 1,778 per year. american Family had the second-best rate at $ 2,444, followed by Shelter at $ 2,956 .
The city ’ sulfur average annual pace was $ 3,503. Speeding tickets raised the median bounty by $ 657, an increase of 23 % .
|
Rank |
Company |
Average annual rate |
|---|---|---|
| 1 | State Farm | $1,778 |
| 2 | American Family | $2,444 |
| 3 | Shelter | $2,956 |
| 4 | Allstate | $3,266 |
| 5 | Progressive | $3,548 |
| 6 | Geico | $4,173 |
| 7 | Auto Club | $5,960 |
| 8 | Farmers | $6,277 |
| N/A | USAA | $1,125 |
Cheapest car insurance for drivers with a DUI: State Farm
DUI increases full-coverage insuranceState FarmProgressive for a Kansas City driver by 45 % on average, or $ 1,277. The city ‘s best rates were offered byand, at $ 1,778 and $ 3,284, respectively. department of state farm raises rates by entirely 9 % after a DUI. Allstate, Shelter and American Family all besides offer below-average rates following a DUI .
|
Rank |
Company |
Average annual rate |
|---|---|---|
| 1 | State Farm | $1,778 |
| 2 | Progressive | $3,284 |
| 3 | American Family | $3,540 |
| 4 | Shelter | $3,787 |
| 5 | Allstate | $3,805 |
| 6 | Farmers | $6,062 |
| 7 | Geico | $6,475 |
| 8 | Auto Club | $6,746 |
| N/A | USAA | $1,631 |
Cheapest car insurance for drivers with poor credit: State Farm
State FarmAmerican Family andhave the best insurance rates for drivers with poor people credit in Kansas City. Each charged less than $ 2,700 per year for annual coverage. Poor credit increases rates by 72 %, on average, in Kansas City. Shelter had the smallest increase at 40 %. The average rate for State Farm was $ 2,387, just ahead of american Family at $ 2,696. Allstate and USAA were only early companies offering below-average rates for drivers with bad credit .
Bad accredit raised rates more than a DUI, an accident or a rush ticket in Kansas City .
|
Rank |
Company |
Average annual rate |
|---|---|---|
| 1 | State Farm | $2,387 |
| 2 | American Family | $2,696 |
| 3 | Allstate | $2,881 |
| 4 | Progressive | $3,903 |
| 5 | Shelter | $3,965 |
| 6 | Farmer | $4,191 |
| 7 | Geico | $4,312 |
| 8 | Auto Club | $8,775 |
| N/A | USAA | $1,296 |
Cheapest car insurance for young drivers: State Farm
young and inexperienced drivers pay higher car indemnity rates than older drivers in about every position. Teens and young adults are considered riskier to insure as they are more probably to be involved in an accident .
The most low-cost indemnity companies for the average 18-year-old driver in Kansas City are State Farm and Allstate, which offer premiums of less than $ 6,000 per year. State Farm ‘s rates came in at $ 5,011 per year, which is $ 341 less than Allstate and $ 1,010 less than Shelter .
insurance for young drivers is expensive, so you should reach out to multiple insurers to get the best rates .
|
Rank |
Insurer |
Average annual premium |
|---|---|---|
| 1 | State Farm | $5,011 |
| 2 | Allstate | $5,354 |
| 3 | Shelter | $6,021 |
| 4 | American Family | $7,295 |
| 5 | Geico | $7,605 |
| 6 | Progressive | $10,099 |
| 7 | Farmers | $10,290 |
| 8 | Auto Club | $14,094 |
| N/A | USAA | $1,867 |
If you are looking for other ways to keep costs down, here are two things you can do :
- Ask about discounts
- Talk to your parents about being on their plan
Staying on a combine policy with family members will be cheaper than having two break policies. many insurers will besides have discounts specifically for young people, such as the “ adept scholar deduction. ”
Best auto insurance companies in Kansas City
The best indemnity company will have not only low-cost prices but besides high-quality customer service, including fast serve times and 24/7 customer support. The insurers with the best customer serve, according to a survey conducted by ValuePenguin, are :
USAA is only available to members of the military and sealed family members .
|
Overall rank |
Company |
Claim satisfaction rating |
Customer service rating |
|---|---|---|---|
| 1 | USAA | 78% | 62% |
| 2 | American Family | 86% | 50% |
| 3 | State Farm | 73% | 46% |
| 4 | Allstate | 72% | 47% |
| 5 | Farmers Insurance | 71% | 38% |
| 6 | Progressive | 74% | 34% |
| 7 | Geico | 64% | 42% |
| N/A | Auto Club | N/A | N/A |
| N/A | Shelter | N/A | N/A |
The overall crying takes both claim atonement and customer service ratings into account. We explain these ratings in the Methodology incision .
Average car insurance costs in Kansas City, by neighborhood
More than 2.1 million people live in the Kansas City metro area, with 495,327 in the city itself. Kansas City encompasses numerous neighborhoods across its 51 ZIP codes, and the monetary value of full-coverage insurance varies by $ 993 .
Kansas City ‘s least expensive ZIP code for car policy was 64167, a small sphere north of the city. The most expensive, at $ 3,423, was 64123, which includes the North indian Mound neighborhood northeast of downtown .
|
ZIP code |
Average annual car insurance cost |
|---|---|
| 64012 | $2,504 |
| 64101 | $3,177 |
| 64102 | $3,180 |
| 64105 | $3,051 |
| 64106 | $3,170 |
Show All Rows Kansas City, Mo., pushes up against the Kansas channel alongside the smaller city of Kansas City, Kan. Drivers on the Kansas side of the pipeline pay $ 551 less per year, on average, for full-coverage car insurance .
Auto theft statistics in Kansas City
Kansas City comes in at 11th among Missouri ‘s 15 largest cities in car thefts per 10,000 residents. That rate was 76.6 cars stolen per 10,000 in 2019 .
Wentzville, a city of about 43,000 on the western border of the St. Louis metro area, ranked at the circus tent, with only 6.3 cars stolen per 10,000 residents. Kansas City had 3,801 car thefts overall, and came in with a lower rate than St. Joseph, Independent, Springfield and St. Louis .
|
Rank |
City |
Population |
Car thefts |
Thefts per 10,000 |
|---|---|---|---|---|
| 1 | Wentzville | 42,892 | 27 | 6.3 |
| 2 | O’Fallon | 89,611 | 73 | 8.1 |
| 3 | Jefferson City | 42,793 | 66 | 15.4 |
| 4 | St. Peters | 57,697 | 94 | 16.3 |
| 5 | Cape Girardeau | 40,077 | 72 | 18.0 |
Show All Rows
Minimum car insurance requirements in Missouri
Missouri drivers must have liability insurance to drive on public roads. They must maintain a minimum amount of car policy for bodily wound indebtedness and place wrong liability coverage .
Below you can see the full dislocation :
- $25,000 of bodily injury liability per person
- $50,000 of bodily injury liability per accident
- $10,000 of property damage liability
- $25,000 of uninsured motorist bodily injury coverage per person
- $50,000 of uninsured motorist bodily injury coverage per accident
Drivers should inactive consider higher and optional coverages such as collision and comprehensive examination insurance, arsenic well as higher liability limits. Minimum coverage is frequently not adequate to cover aesculapian bills or property damage .
{ “ backgroundColor ” : ” butter ”, ” content ” : ” \u003C\/p\u003E\n\n\u003Ch2 id=\ ” minimum\ ” \u003EMinimum car insurance requirements in Missouri\u003C\/h2\u003E\n\n\u003Cp\u003EMissouri drivers must have indebtedness insurance to drive on populace roads. They must maintain a minimal sum of car policy for bodily wound indebtedness and place damage liability coverage.\u003C\/p\u003E\n\n\u003Cp\u003EBelow you can see the full breakdown : \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” ShortcodeList — root \ ” \u003E\n\n \u003Cdiv class=\ ” ShortcodeList — content ShortcodeList — content-margin\ ” \u003E\n \u003Cdiv class=\ ” ShortcodeList — column\ ” \u003E\n \u003Cul class=\ ” ListUnordered — root ListUnordered — bullet\ ” \u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n $ 25,000 of bodily injury indebtedness per person\n \u003C\/li\u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n $ 50,000 of bodily injury indebtedness per accident\n \u003C\/li\u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n $ 10,000 of property damage liability\n \u003C\/li\u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n $ 25,000 of uninsured motorist bodily injury coverage per person\n \u003C\/li\u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n $ 50,000 of uninsured motorist bodily injury coverage per accident\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003EDrivers should distillery consider higher and optional coverages such as collision and comprehensive examination insurance, angstrom well as higher liability limits. Minimum coverage is much not enough to cover checkup bills or property damage.\u003C\/p\u003E\n\n\u003Cp\u003E ”, ” padding ” : ” double over ” }
Methodology
indemnity quotes were collected from nine of the largest insurers in Missouri. The sample driver is a 30-year-old man with a 2015 Honda Civic EX and average credit. Rates are for a full-coverage policy unless otherwise noted.
Rate data is from Quadrant Information Services, which uses publicly sourced insurance company filings. Rates should be used for comparative purposes entirely, as your rates will probable be different .
ValuePenguin commissioned a survey asking current policyholders across major car policy companies about their atonement with claims and the customer service of their insurance company. Claim Satisfaction Rating represents the share of respondents who were extremely satisfied with their most recent call. The Customer Service Rating represents the percentage who rated the customer service of their policy party as “ excellent. ”
Sources : federal bureau of investigation 2019 Missouri crime report