Cheap Car Insurance Quotes in Kansas City, Missouri

Best cheap car insurance in Kansas City

Cheapest car insurance in Kansas City: American Family

That's 19% less than the Kansas City average.

State Farm is another affordable option, with average rates that are just $6 per month more than American Family

Drivers with military ties should also consider USAA, which has an average full coverage policy cost of $89 per month. But you can only apply if you've served in the military, or your parent or spouse has had USAA insurance at some point.

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Cheap full coverage car insurance rates in Kansas City

Cheapest car insurance in Kansas City: American Family

A minimum coverage policy from American Family costs $54 per month, which is 26% cheaper than the city average.

The average cost of minimum coverage auto insurance in Kansas City, Missouri, is $74 per month. Progressive and State Farm also sell coverage for less than the average in KC

Drivers who qualify for USAA can get an even cheaper rate, at $24 per month for minimum coverage. However, USAA only sells car insurance to people who have served in the military and their families.

Cheap minimum coverage auto insurance in Kansas City

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Cheap quotes for teen drivers in Kansas City: Shelter

A minimum coverage policy from Shelter costs $194 per month for an 18-year-old driver, which is 14% cheaper than average. The company also has the best full coverage rate in Kansas City, at $478 per month — 7% cheaper than the city average.

Monthly car insurance quotes for Kansas City teens

Young drivers pay around three times more than older drivers for car insurance than older drivers in KC. That's because they have less experience and take more risks behind the wheel, so they're more likely to cause an accident. That makes them riskier, and more expensive, to insure.

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Cheapest car insurance after a speeding ticket: State Farm

State Farm has the best rates for Kansas City drivers with a single speeding ticket on their record, with an average of $172 per month for a full coverage policy. That's 21% cheaper than the citywide average.

Cheapest car insurance after a speeding ticket in Kansas City

The average cost of full coverage insurance in Kansas City goes up by 16% after a single speeding ticket, to $218 per month. That's an increase of $30 per month compared to drivers with a clean record.

Cheapest car insurance after an accident in Kansas City: State Farm

State Farm has the most affordable car insurance quotes in Kansas City after an at-fault accident. A full coverage policy from State Farm costs $186 per month after a single accident, which is 34% cheaper than the Kansas City average.

Cheapest car insurance after an accident

In Kansas City, the average rate increase for an at-fault accident is 48% for full coverage, which is $91 per month more.

Cheapest quotes for teens after a ticket and accident: Shelter and Progressive

Shelter has the most affordable car insurance for young drivers in Kansas City with a recent speeding ticket on their records.

A minimum coverage policy from Shelter costs an average of $194 per month for an 18-year-old driver after a single speeding ticket, which is 23% cheaper than the city average overall.

Progressive is the cheapest option for teens after a crash. Its average price of $259 is 19% cheaper than average for teen drivers after an at-fault accident.

Shelter's rates for a teen after a crash are only $2 more per month, at $261.

Cheapest teen car insurance after an incident behind the wheel

Young drivers in Kansas City can expect to pay 13% more for car insurance after a speeding ticket, and 43% more for coverage after an accident. Insurance companies have found that drivers of all ages with a recent ticket or accident on their record are more likely to file a claim.

Fortunately, the impact of a ticket or claim on your insurance gets smaller over time, and you can often pay less by taking a safe driving course.

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Cheapest quotes in Kansas City, MO after a DUI: Progressive

Progressive has the cheapest full coverage rates in Kansas City after a DUI, with an average of $202 per month. That's 34% less than the city average, and $55 less per month than the second-cheapest company, American Family.

Cheapest car insurance after a DUI

A DUI raises full coverage insurance for a Kansas City driver by 62% on average.

However, every insurance company changes rates differently after a DUI. For example, full coverage rates from Progressive only go up by 17% after a DUI, while State Farm more than doubles your price. That's why it's especially important for Kansas City drivers to shop around for the best car insurance rates after a DUI or other serious driving infraction.

Cheapest car insurance for drivers with poor credit: American Family

American Family has the cheapest insurance rates for drivers with poor credit in Kansas City. A full coverage policy from American Family costs $253 per month, making it 35% cheaper than the citywide average.

Cheapest car insurance for Kansas City drivers with poor credit

Having poor credit more than doubles what you'll pay for car insurance in Kansas City. That's an increase of $153 per month for full coverage — more than a DUI, an accident or a speeding ticket.

While your credit score doesn't reflect your driving skills, insurance companies have found drivers with bad credit are more likely to make a claim in the future. That makes these drivers more expensive to insure, so most companies charge much more for coverage.

Average cost of car insurance in Kansas City, by ZIP code

The average price in Belton is $166 per month for full coverage.

Meanwhile, residents of Swope Parkway-Elmwood pay the most for car insurance, at $234 per month.

The average cost of full coverage insurance can change by up to $68 per month, depending on where you live within Kansas City. Car insurance costs can vary within a city due to population density, traffic congestion, crime rates and the frequency of accidents.

What's the best car insurance coverage in Kansas City, MO?

Most drivers should get full coverage insurance for their cars, especially if it's newer than 10 years old or worth more than $5,000.

A full coverage policy in Kansas City costs $114 more per month than minimum coverage. Full coverage includes higher liability limits than the state minimums, as well as comprehensive and collision coverage, which protect your car against damage, regardless of whose fault it is.

The low cost of minimum coverage insurance may make it seem like a good way for Kansas City drivers to save money. However, minimum coverage won't protect your own car if you cause an accident, which means you'll have to pay for any repairs to your car yourself. In addition, minimum coverage insurance may not have high enough liability limits to cover the cost of a major accident.

Minimum coverage is often not enough to cover medical bills or property damage after a serious crash. Drivers should still consider optional coverages such as collision and comprehensive insurance, as well as higher liability limits.

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Frequently asked questions

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To find the best cheap car insurance in Kansas City, MO, ValuePenguin collected insurance quotes from seven of the top companies in Missouri. Rates are for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.

Full coverage car insurance quotes include higher liability limits than the state minimum requirements, along with comprehensive and collision coverage.

Rate data is from Quadrant Information Services, which uses publicly sourced insurer filings. Rates should be used for comparative purposes only, as your rates will likely be different.