Average car insurance cost in Kansas City, Missouri

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Based on our data, Kansas City drivers pay an average of $2,155 annually for car insurance. It’s $173 more than the Missouri state average and $260 more than the national average.

Insurance rates can vary significantly depending on where you live. Factors such as population density and accident and theft rates influence premium costs, making some areas more expensive or affordable than others.

Understanding how rates in Kansas City compare to state and national averages can help you spot a good deal, or know when it’s time to shop around. Below, we’ll break down local trends, show how rates vary, and explain how to save.

Cheap car insurance companies in Kansas City

Nationwide offers the most affordable full coverage car insurance in Kansas City, at $1,496 annually, with coverage limits of $100,000 in bodily injury per person, $300,000 total per accident, and $100,000 for property damage.

Travelers offers the second-lowest rate in Kansas City, with an average yearly premium of $1,642.

Car insurance rates vary by company because each insurer uses its own method to assess risk and determine premiums. That’s why it’s smart to compare quotes from different providers to find coverage that fits your needs and budget.

The following table compares average yearly and monthly car insurance costs from different companies in Kansas City.

Read about the best car insurance companies.

Average car insurance cost in Kansas City by coverage limits

Here’s a breakdown of average car insurance rates in Kansas City by coverage type.

• State minimum coverage: $599 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).
• Liability only coverage: $715 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).
• Full coverage: $2,155 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).
• Non-owners coverage: $403 per year

Most states require drivers to carry a minimum amount of liability insurance to legally operate a vehicle, but the specific coverage limits vary by state. Liability insurance is designed to cover injuries or property damage you cause to others in an accident.

However, it’s important to understand that minimum coverage won’t pay for your own medical bills or repairs to your vehicle if you’re at fault. If you want protection for your own car, you’ll need to add collision and comprehensive coverage to your policy.

Average car insurance rates by gender in Kansas City

In Kansas City, the average annual car insurance cost for female drivers is $2,139. Male drivers, on the other hand, pay $2,170 per year – that’s $31 more than what female drivers pay. While most states allow insurers to use gender when setting rates, there are states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania that prohibit the use of gender as a rating factor.

According to the Insurance Information Institute, or Triple-I, women tend to drive more cautiously and are involved in fewer serious accidents than men. Insurers factor this into their premium calculations, which is why men often pay more for car insurance.

Read more on how gender affects car insurance rates.

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Average car insurance rates by age in Kansas City

Teen drivers in Kansas City face the highest car insurance rates, at $6,684 per year or $557 per month. According to the Insurance Information Institute, insurance costs are higher for teens aged 16 to 19 due to their increased risk of accidents and limited driving experience. On average, teen drivers pay $3,252 more for car insurance than young adults.

Car insurance premiums typically drop as teens age and gain more experience behind the wheel. On average, young adults (ages 20 to 24) pay $3,432 annually for coverage – that’s $3,252 less than what teens usually pay.

Adults between 25 and 55 and senior drivers between 60 and 75 in Kansas City pay an average of $2,179 and $2,087 per year for car insurance, respectively.

Read more on auto insurance for seniors.

Below you’ll find average annual full coverage car insurance rates for drivers of different age groups.

Car insurance rate trends in Kansas City

Car insurance premiums in Kansas City showed a downward trend between 2022 and 2023, with average rates changing by 9% or about $203.

The graph below tracks insurance costs from 2016 to 2023, highlighting long-term trends that help explain today’s rate changes.

How drivers can save on insurance even with higher rates

Car insurance rates in Kansas City are higher than the Missouri state average. To find affordable coverage, consider comparing quotes from at least three to five insurers. You can also save by taking advantage of discounts for safe driving, low annual mileage or bundling your policies.

Methodology

Insure.com commissioned car insurance rates in 2023 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.