Best Cheap Car Insurance in Kansas City | Bankrate

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Best car insurance companies in Kansas City

Drivers who are shopping for the best car policy companies in Kansas City should start their search with these providers. These companies have low-cost premiums, capital policy options, full discounts and strong fiscal ratings .

Insurance company J.D. Power customer satisfaction core Average annual premium for minimum coverage Average annual premium for full coverage
USAA 905 / 1000 $278 $1,030
Progressive 849 / 1000 $528 $1,576
Farmers 827 / 1000 $556 $1,412
State Farm 849 / 1000 $662 $1,834

USAA

USAA offers highly-rated cable car insurance to active duty military members, veterans and their spouses. It is the cheapest supplier in Kansas City, with an median wax coverage premium of $ 1,272 per year and an average minimum coverage premium of $ 299 per year, which is well under average. USAA has excellent customer service, comprehensive coverage and estimable discounts, including military-specific savings and endorsement policies.

Progressive

With Progressive, you have excellent coverage options. There is the choice to add authoritative protections not available with other providers like detached coverage for pet injuries, custom parts and equipment value, rideshare insurance and a deductible savings trust. There is besides available personal injury protection ( PIP ), wayside aid and gap policy .

Farmers

Farmers stands out for its robust coverage options and unique endorsement policies. Kansas City drivers can customize their policy with accident forgiveness, fifth wheel parts coverage, broad windshield and glass coverage, a glass repair deductible release, Guaranteed Value™ coverage for totaled vehicles, and more. Farmers besides has a few discounts for drivers that want a lower rate .

State Farm

state farm is one of the largest car policy companies in the nation. Drivers in Kansas City frequently choose State Farm because of its low rates and generous discounts for bundling policies, being claims-free, getting good grades in school, having a dependable vehicle and more. additionally, drivers in Kansas City can get a cheap policy by completing one of the safe driver rewards programs, Steer Clear for young drivers and Drive Safe & Save for adults .

Cheapest car insurance in Kansas City

car indemnity in Kansas City is more expensive than the statewide average rate in Missouri. The average Missouri driver pays $ 1,680 per class for full coverage indemnity and $ 445 per year for minimum coverage policy. For drivers on a budget, the postpone below includes the brassy car indemnity options in Kansas City :

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $299 $1,272
Auto-Owners $316 $1,315
State Farm $400 $1,354
Farmers $417 $1,633
Allstate $514 $2,246

These five providers offer the cheapest rates in Kansas City, but they each have upsides and downsides. For exercise, USAA has big coverage options and customer military service, but drivers must be affiliated with the military to qualify for coverage. Farmers and Allstate offer a variety of endorsements, but their customer service ratings are lower. Farmers besides offers great coverage options, but the policies are more expensive and the company does not have many discounts. The other providers on this tilt have much better digital tools. All five providers have well fiscal force ratings from AM Best, but their overall customer satisfaction ratings in J.D. Power ’ s 2020 U.S. Auto Insurance Study differ. USAA, Progressive, and State Farm are rated above median, and Farmers and Allstate are rated below average .

Kansas City insurance requirements

Drivers in Kansas City are required to carry cable car indemnity if they have a vehicle registered in the state of Missouri. The minimal policy prerequisite is 25/50/10 personal indebtedness and uninsured/underinsured motorist indebtedness coverage. In Kansas City, the compulsory 25/50/10 coverage includes :

  • $25,000 in bodily injury liability coverage per person
  • $50,000 in bodily injury liability coverage per accident
  • $10,000 in property damage liability coverage per accident

Drivers who purchase minimum coverage indemnity pay the lowest rate. however, there is no undertake that liability-only indemnity will cover the full monetary value of an at-fault accident. If a driver causes an accident and their fiscal duty exceeds their policy ’ s restrict, they are required to pay the deviation out-of-pocket. For most drivers, purchasing full coverage insurance is recommended. Drivers who have a leased or financed vehicle are often required to carry full coverage insurance until their lend is paid off .

Car insurance discounts in Kansas City

Most car policy companies in Kansas City have discounts to help drivers get a cheaper rate. here are some of the most park savings :

  • Policy bundling: Drivers who insure their home and vehicle with the same insurance provider usually qualify for a policy bundling discount.
  • Multi-vehicle: Drivers who insure two or more cars on the same insurance policy can usually get a cheaper premium.
  • Claims-free: Drivers who have no prior insurance claims or accidents on their record can get a claims-free discount.
  • Good student: Students who get good grades in school or maintain a minimum GPA can usually get a lower rate.

Frequently asked questions

What is the best car insurance company?

The best cable car indemnity company is unlike for every driver. Some drivers are looking for the lowest rates, some are looking for the best customer service and others are looking for unique coverage. however, some of the highest-rated providers are Amica, Geico, Erie, The Hartford and Nationwide .

How much does car insurance in Kansas City cost?

In Kansas City, the average driver pays $ 1,857 for entire coverage policy and $ 569 for minimum coverage insurance. however, car policy rates are personalized, and every driver pays a slenderly different premium based on rate factors like senesce, credit score, claims history and ZIP code .

How much car insurance do I need in Kansas City?

Drivers in Kansas City are required to carry at least 25/50/10 in personal liability and uninsured/underinsured motorist liability coverage. many drivers choose to purchase a full coverage policy for more protection.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive commemorate, good credit and the play along full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimal coverages that meet each state ’ s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should be used for relative purposes only. Your quotes may be different .

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