Compare the Cheapest Car Insurance Quotes in Kansas City, MO

For full coverage car policy policies a well as indebtedness insurance and drivers with tickets, State Farm offers the most low-cost policies in Kansas City, Missouri. If you come from a military family, USAA may be your best choice ; however, due to its choice customer military service and general affordability, MoneyGeek rated Auto-Owners as the best cable car policy company in the city .iconribbon best car policy Kansas City

2022

The Cheapest and Best Car Insurance in Kansas City

The Cheapest Car Insurance Companies in Kansas City

The following two companies provide the cheapest wide coverage policy plans in Kansas City, on average :

  • State Farm: $837 per year
  • Allstate: $842 per year

note that USAA offers the city ‘s cheapest broad coverage indemnity quotes at $ 478 per year, but their policies are merely available to military members and their families. State Farm ‘s policy quotation mark is the cheapest in the city, costing about 80 % less than full coverage from AAA, the most expensive insurance company. Comprehensive and collision coverages are included in a broad coverage indemnity policy. still, the rates vary depending on the come of liability coverage limits you choose .

Cheapest Car Insurance in Kansas City

Full Coverage 100/300/100 For this study, MoneyGeek used the profile of a 40-year-old male driver with a full coverage policy policy. In addition to liability insurance, a full coverage cable car policy policy includes the following two coverages and is thus more expensive than a liability-only policy .

  • Collision Coverage: Covers your car against damages caused by a collision with another vehicle or object.
  • Comprehensive Coverage: Covers your car for losses caused by theft, weather-related events and any other non-crash damage.

Full coverage car indemnity premiums may add up to more than your car is worth, particularly if your vehicle is respective years old. In that subject, a state minimal or liability policy design may be the better option .

Compare Car Insurance Rates in Kansas City

guarantee you ‘re getting the best pace for your car indemnity. Compare quotes from the clear indemnity companies. widget-location-pinInsurance Rates

Cheapest Car Insurance in Kansas City for Minimum Coverage

The cheapest Kansas City insurance provides the minimum necessity coverage. The follow companies offer the average cheap minimum liability insurance in the city :

  • State Farm: $389 per year
  • Progressive: $497 per year

military members and their families may qualify for USAA ‘s $ 184 quote, which is the cheapest in the city. state of matter farm charges approximately $ 252 less per year than AAA, the most expensive insurance company quoting $ 641 on average. Minimum coverage plans may be the cheapest available, but they besides lack comprehensive examination and collision coverage and have significantly lower indebtedness limits. This could put you at gamble of having insufficient coverage in the shell of an accident. See the mesa below to understand how increase liability limits affects insurance rates .

Cheapest Minimum Liability Car Insurance in Kansas City

state Minimum By law, drivers in Missouri must have a minimum of 25/50/20 liability car insurance. While this is the cheapest policy in Kansas City, you should besides expect the least protection. additionally, if you are at defect in an accident, you will face further fiscal liabilities. For case, if you cause an accident and the early driver ’ s checkup bills come to $ 50,000, you will be apt to pay $ 25,000 out of pocket because your liability insurance covers merely $ 25,000 per person for bodily injury .

Missouri Minimum Liability Requirements

  • detail description
  • Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for property damage. A more protective level is 100/300/100 .
  • Uninsured motorist $ 25,000 per person and $ 50,000 per incident. The minimum coverage may not be enough if you ‘re in a serious accident .

Cheapest Car Insurance in Kansas City if You Have Driving Violations

Your car policy rates can skyrocket if you have speeding tickets or are charged with driving under the charm ( DUI ). Following some of the most common traffic infractions, the cheapest average indemnity quotes for Kansas City drivers are as follows :

  • Cheapest after a ticket: State Farm, $904 per year
  • Cheapest after an at-fault accident: State Farm, $970 per year
  • Cheapest after a DUI: State Farm, $904 per year

USAA offers the brassy quotes across all these categories, but their policies are merely available to military members. Whatever your traffic irreverence, if you improve your drive record over time, you may be able to lower your future policy costs. After getting a ticket or being in an accident, it ‘s ache to compare policy rates to make sure you ’ re getting the best premium available .

Cheapest Car Insurance in Kansas City With a Violation

Speeding ticket

Average Cost of Car Insurance in Kansas City

Kansas City

$1,167

Missouri

$1,305

U.S.

$1,424

The average car insurance in Kansas City is $ 1,167 annually. The city average is 10.6 % less than the average annual cost of car indemnity in Missouri. additionally, Kansas City drivers besides pay 18.1 % less than the average national premium in the United States.

Personalized Quotes to Get You the Cheapest Car Insurance in Kansas City

In determining the cost of annual premiums, car policy companies in Kansas City consider diverse factors. Each car policy quotation in Kansas City is based on the risks associated with the person seeking coverage. These companies evaluate age, gender, ZIP code, driving history, car make and model, credit score and marital status, among early factors. Any change in your biography circumstances may affect the monetary value of your car policy. regularly getting personalized quotes and comparing rates from different companies can help you find the best car policy in Kansas City .

Compare Car Insurance Rates in Kansas City

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The Best Car Insurance Companies in Kansas City

MoneyGeek compared the car policy companies in Kansas City based on quality of service and affordability. According to our research, the following companies offer the city ‘s best car indemnity :

  • Auto-Owners: MoneyGeek score of 98 out of 100
  • GEICO: MoneyGeek score of 93 out of 100

In Kansas City, USAA received the highest military rank of 100 out of 100. Because its policies are single to current and retire members of the military and their dependents, we did not include it in our tilt of best car policy companies. MoneyGeek derived these scores by ranking versatile criteria, including insurance company fiscal constancy, affordability and customer satisfaction, and using multiple resources such as data analytics and consumer intelligence party J. D. Power .
1

USAA

score :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2

Auto-Owners Insurance Co

score :

97.5

5/5 Affordability 4/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 3

GEICO

score :

92.5

5/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 4

Allstate

seduce :

85

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal constancy 5

Auto Club of Southern California Insurance Group

seduce :

85

4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 6

Travelers

score :

85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 7

Progressive

mark :

85

4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8

State Farm

score :

80

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 9

American Family

sexual conquest :

77.5

2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 10

Safeco

score :

77.5

2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 11

Liberty Mutual

score :

77.5

2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 12

Farmers

score :

75

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 13

Nationwide

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 14

Farm Bureau Ins of MI

score :

72.5

2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A- fiscal stability

Average Cost of Car Insurance by Postal Code

The state where you live has an impact on car indemnity costs. however, it is not the merely factor related to localization. Your energy code can besides affect your car insurance. When it comes to car insurance in Kansas City, the most low-cost vicinity is 64152. Drivers residing there pay around $ 1,119 for their annual cable car indemnity premiums, which is $ 134 less than the rate for those living in the most expensive ZIP code in the city — 64133 — who pay an average of $ 1,253 .

  • Zip Code State Minimum

    per year

  • 64152

    $1,119

  • 64119

    $1,142

  • 64118

    $1,154

  • 64133

    $1,253

Factors That Impact Insurance Costs in Kansas City

In accession to individual driver needs and history, location-specific factors like the share of uninsured motorists and the rate of black accidents besides contribute to car indemnity rates in Kansas City. How Kansas City ranks compared to the 300 most populous cities in the United States can have a significant impact on bounty costs .accident2 icon Most Accidents With Fatalities

19th

/ 300handcuffs2 icon Most car Thefts

244th

/ 300uninsured icon Most uninsured Motorists by State

17th

/ 50insurance2 icon personal Injury Protection Required Norain icon Most annual rain

116th

/ 300umbrella icon Most showery Days

144th

/ 300

Methodology and Assumptions

MoneyGeek ’ s average premium rates for Kansas City are based on 100/300/100 comprehensive examination collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, placement and drive record. Learn more about MoneyGeek ’ s data and methodology here. About the writer

expert-profileexpert-profile Mark Fitzpatrick is a elder subject director with MoneyGeek specializing in indemnity. Mark has years of have analyzing the insurance market and creating master inquiry and subject. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .

sources
  • Missouri Department of Revenue. “Insurance Information.” Accessed June 17, 2020 .

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