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open/ MO/ kansas-city

Cheapest car insurance in Kansas City, Missouri

Missouri requires minimum liability coverage of 25/50/25, plus uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.

Filed per-carrier data
Methodology → All of Missouri →

Pulled directly from carrier rate filings for this city.

With 508,394 residents, Kansas City sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 64% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 35% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 USAAFiled rate, credit/record adjusted $155.52
02 TravelersFiled rate, credit/record adjusted $220.32
03 GEICOFiled rate, credit/record adjusted $223.20
04 Auto-OwnersFiled rate, credit/record adjusted $227.52
05 Shelter InsuranceFiled rate, credit/record adjusted $272.16
06 NationwideFiled rate, credit/record adjusted $351.36
07 Missouri Farm Bureau InsuranceFiled rate, credit/record adjusted $367.20
08 Auto Club EnterprisesFiled rate, credit/record adjusted $436.32
Rate explainer
Why is your best rate $155.52 and not $209.31?

Kansas City is priced against 8 insurers for the 25-55 driver, Full coverage, Good credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-13.69
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Good (modeled) +$0.00
Driving record, At-fault crash (modeled) +$86.07
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.