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Car Insurance Quotes in Kansas City, MO

Full coverage / year
$2,532
State minimum / year
$788
Typical quote range
$1,798 – $3,494

Drivers in Kansas City pay an estimated $2,532 a year for full coverage car insurance, or about $211 a month. That sits about 16% above the Missouri average, which is what you would expect from city-level congestion, a higher share of uninsured drivers, and costlier repairs. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Kansas City, MO

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$211/ month
$2,532 per year · carriers in Kansas City, MO typically quote $1,798 – $3,494
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Kansas City, MO

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,924$160-24%Military members and families only
Geico$2,076$173-18%Usually cheapest for clean records
State Farm$2,228$186-12%Strong for young and student drivers
Progressive$2,405$200-5%Competitive after a ticket or accident
Travelers$2,456$205-3%Good multi-policy discounts
Nationwide$2,532$2110%Mid-market, wide availability
Allstate$2,886$241+14%Higher base rate, heavy discount stacking
Farmers$3,064$255+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Kansas City, MO. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Kansas City

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$6,838$2,127$570
18 years old$5,768$1,795$481
20 years old$4,776$1,486$398
22 years old$3,967$1,234$331
25 years old$3,028$942$252
30 years old$2,610$812$218
40 years old$2,453$763$204
50 years old$2,349$731$196
60 years old$2,323$723$194
65 years old$2,427$755$202
70 years old$2,662$828$222
75 years old$3,106$966$259

Estimated premiums by age in Kansas City, MO, clean record, sedan.

What a ticket, accident or DUI costs in Kansas City

Driving recordEst. annualIncrease
Clean record$2,532—
1 speeding ticket$3,114+23%
1 at-fault accident$3,722+47%
DUI / DWI$4,785+89%

What a violation costs a 35-year-old in Kansas City, MO. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Missouri

Every driver registering a vehicle in Missouri must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Missouri Department of Insurance.

Required coverage in MissouriMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$25,000
Uninsured motorist 25/50Required
Insurance systemAt-fault (tort)

Coverage levels compared in Kansas City

Coverage levelEst. annualEst. monthly
State minimum liability$788$66
Full coverage (100/300/100 + comp & collision)$2,532$211
Full coverage, high limits + low deductible$3,013$251

Coverage level comparison for Kansas City, MO.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Kansas City

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Kansas City covers 64101, 64102, 64105, 64106, 64108, 64109 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Kansas City, MO?
Full coverage in Kansas City is estimated at $2,532 a year ($211 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $788 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Missouri?
Missouri requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage, plus uninsured motorist 25/50. Missouri is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Kansas City?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Kansas City for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Kansas City?
An 18-year-old in Kansas City is estimated at $5,768 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Kansas City?
A DUI takes the estimate from $2,532 to about $4,785 a year in Kansas City, an increase of roughly 89%. Missouri drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Kansas City?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

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Comparing more of Missouri? See every Missouri city we price or read the cheap car insurance guide for Kansas City.