Compare the Cheapest Car Insurance Quotes in Kansas City, MO

For full coverage cable car indemnity policies american samoa well as liability policy and drivers with tickets, State Farm offers the most low-cost policies in Kansas City, Missouri. If you come from a military family, USAA may be your best choice ; however, due to its choice customer service and general affordability, MoneyGeek rated Auto-Owners as the best car indemnity caller in the city .iconribbon best car policy Kansas City

2022

The Cheapest and Best Car Insurance in Kansas City

The Cheapest Car Insurance Companies in Kansas City

The following two companies provide the cheapest full coverage indemnity plans in Kansas City, on average :

  • State Farm: $837 per year
  • Allstate: $842 per year

note that USAA offers the city ‘s cheapest full coverage policy quotes at $ 478 per year, but their policies are only available to military members and their families. State Farm ‘s policy quotation mark is the cheapest in the city, costing about 80 % less than entire coverage from AAA, the most expensive insurance company. Comprehensive and collision coverages are included in a full coverage indemnity policy. placid, the rates vary depending on the come of liability coverage limits you choose .

Cheapest Car Insurance in Kansas City

Full Coverage 100/300/100 For this cogitation, MoneyGeek used the profile of a 40-year-old male driver with a full coverage insurance policy. In summation to liability policy, a full coverage cable car indemnity policy includes the following two coverages and is thus more expensive than a liability-only policy .

  • Collision Coverage: Covers your car against damages caused by a collision with another vehicle or object.
  • Comprehensive Coverage: Covers your car for losses caused by theft, weather-related events and any other non-crash damage.

Full coverage car insurance premiums may add up to more than your car is worth, particularly if your fomite is several years old. In that font, a state minimal or indebtedness insurance plan may be the better option .

Compare Car Insurance Rates in Kansas City

guarantee you ‘re getting the best rate for your car insurance. Compare quotes from the acme indemnity companies. widget-location-pinInsurance Rates

Cheapest Car Insurance in Kansas City for Minimum Coverage

The cheapest Kansas City indemnity provides the minimum necessary coverage. The surveil companies offer the average cheap minimum liability indemnity in the city :

  • State Farm: $389 per year
  • Progressive: $497 per year

military members and their families may qualify for USAA ‘s $ 184 quote, which is the cheapest in the city. state farm charges approximately $ 252 less per year than AAA, the most expensive insurance company quoting $ 641 on median. Minimum coverage plans may be the cheapest available, but they besides lack comprehensive examination and collision coverage and have importantly lower liability limits. This could put you at risk of having insufficient coverage in the case of an accident. See the table below to understand how increase liability limits affects insurance rates .

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Cheapest Minimum Liability Car Insurance in Kansas City

state Minimum By police, drivers in Missouri must have a minimal of 25/50/20 indebtedness car policy. While this is the cheapest indemnity in Kansas City, you should besides expect the least protection. additionally, if you are at fault in an accident, you will face further fiscal liabilities. For case, if you cause an accident and the other driver ’ s checkup bills come to $ 50,000, you will be apt to pay $ 25,000 out of pocket because your indebtedness insurance covers only $ 25,000 per person for bodily injury .

Missouri Minimum Liability Requirements

  • detail description
  • Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 25,000 for property damage. A more protective horizontal surface is 100/300/100 .
  • Uninsured motorist $ 25,000 per person and $ 50,000 per incident. The minimum coverage may not be enough if you ‘re in a dangerous accident .

Cheapest Car Insurance in Kansas City if You Have Driving Violations

Your car insurance rates can skyrocket if you have speeding tickets or are charged with driving under the influence ( DUI ). Following some of the most coarse traffic infractions, the cheapest average policy quotes for Kansas City drivers are as follows :

  • Cheapest after a ticket: State Farm, $904 per year
  • Cheapest after an at-fault accident: State Farm, $970 per year
  • Cheapest after a DUI: State Farm, $904 per year

USAA offers the cheap quotes across all these categories, but their policies are entirely available to military members. Whatever your traffic rape, if you improve your drive record over meter, you may be able to lower your future indemnity costs. After getting a ticket or being in an accident, it ‘s ache to compare indemnity rates to make sure you ’ re getting the best premium available .

Cheapest Car Insurance in Kansas City With a Violation

Speeding ticket

Average Cost of Car Insurance in Kansas City

Kansas City

$1,167

Missouri

$1,305

U.S.

$1,424

The average car insurance in Kansas City is $ 1,167 annually. The city average is 10.6 % less than the average annual cost of cable car indemnity in Missouri. additionally, Kansas City drivers besides pay 18.1 % less than the average home premium in the United States.

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Personalized Quotes to Get You the Cheapest Car Insurance in Kansas City

In determining the price of annual premiums, car policy companies in Kansas City consider respective factors. Each cable car indemnity quote in Kansas City is based on the risks associated with the person seeking coverage. These companies evaluate senesce, sex, ZIP code, driving history, car make and model, recognition score and marital condition, among other factors. Any change in your liveliness circumstances may affect the monetary value of your car indemnity. regularly getting personalized quotes and comparing rates from unlike companies can help you find the best car indemnity in Kansas City .

Compare Car Insurance Rates in Kansas City

see you ‘re getting the best rate for your car indemnity. Compare quotes from the exceed policy companies. widget-location-pin

The Best Car Insurance Companies in Kansas City

MoneyGeek compared the car insurance companies in Kansas City based on quality of service and affordability. According to our inquiry, the following companies offer the city ‘s best cable car insurance :

  • Auto-Owners: MoneyGeek score of 98 out of 100
  • GEICO: MoneyGeek score of 93 out of 100

In Kansas City, USAA received the highest rate of 100 out of 100. Because its policies are exclusive to current and retire members of the military and their dependents, we did not include it in our list of best cable car policy companies. MoneyGeek derived these scores by ranking assorted criteria, including insurance company fiscal stability, affordability and customer satisfaction, and using multiple resources such as data analytics and consumer intelligence company J. D. Power .
1

USAA

score :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2

Auto-Owners Insurance Co

score :

97.5

5/5 Affordability 4/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 3

GEICO

score :

92.5

5/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 4

Allstate

score :

85

3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 5

Auto Club of Southern California Insurance Group

score :

85

4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 6

Travelers

score :

85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal constancy 7

Progressive

seduce :

85

4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8

State Farm

score :

80

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 9

American Family

score :

77.5

2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 10

Safeco

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score :

77.5

2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 11

Liberty Mutual

score :

77.5

2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 12

Farmers

score :

75

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 13

Nationwide

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 14

Farm Bureau Ins of MI

grudge :

72.5

2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A- fiscal stability

Average Cost of Car Insurance by Postal Code

The state where you live has an impingement on car indemnity costs. however, it is not the entirely factor related to location. Your zip up code can besides affect your car policy. When it comes to car indemnity in Kansas City, the most low-cost region is 64152. Drivers residing there pay around $ 1,119 for their annual car insurance premiums, which is $ 134 less than the pace for those live in the most expensive ZIP code in the city — 64133 — who pay an modal of $ 1,253 .

  • Zip Code State Minimum

    per year

  • 64152

    $1,119

  • 64119

    $1,142

  • 64118

    $1,154

  • 64133

    $1,253

Factors That Impact Insurance Costs in Kansas City

In addition to person driver needs and history, location-specific factors like the share of uninsured motorists and the rate of fateful accidents besides contribute to cable car insurance rates in Kansas City. How Kansas City ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .accident2 icon Most Accidents With Fatalities

19th

/ 300handcuffs2 icon Most car Thefts

244th

/ 300uninsured icon Most uninsured Motorists by State

17th

/ 50insurance2 icon personal Injury Protection Required Norain icon Most annual rain

116th

/ 300umbrella icon Most showery Days

144th

/ 300

Methodology and Assumptions

MoneyGeek ’ second average agio rates for Kansas City are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, placement and tug record. Learn more about MoneyGeek ’ south data and methodology hera. About the author

expert-profileexpert-profile Mark Fitzpatrick is a aged content coach with MoneyGeek specializing in indemnity. Mark has years of experience analyzing the policy commercialize and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .

sources
  • Missouri Department of Revenue. “Insurance Information.” Accessed June 17, 2020 .
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