When it comes to car insurance in Kansas City, buyers should compare coverage levels, price and company ratings. Our partners at ConsumerAffairs researched companies who serve KC and found the best car insurance to be from providers who offer comparison shopping tools and policy discounts, including for safe drivers and life stages.
Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. KSHB may receive compensation from our partners. Learn more.
How to choose a car insurance company in Kansas City
With almost 4,000 auto thefts a year and ever-changing weather conditions, Kansas City residents must be proactive in protecting their vehicles. Both sides of State Line require motorists to own car insurance. Missouri is a “no pay, no play” state, meaning that if you are injured in an accident and do not have car insurance, you are not entitled to any money damages for pain and suffering.
Missouri has the 17th highest rate of uninsured motorists in the country. In contrast, Kansas is one of the top states with insured drivers. To keep you and your car safe no matter what, read more about Kansas City auto insurance rules and impacts.
Minimum liability requirements in Kansas City
Both KCK and KCMO require a high amount of car insurance coverage, which makes comparison shopping more important for buyers. This table breaks down minimum auto insurance requirements by state:
Personal injury protection minimum liability is required in Kansas only: $4,500 medical expenses per person, $900/month disability/loss of income (for one year), $25/day in-home services, $2,000 funeral, burial or cremation expense and $4,500 rehabilitation expense.
The average costs of car insurance in Kansas City
Annual premiums for car insurance vary slightly within Kansas City. Because rates change based on age, history and car type, we researched one subset of purchaser for comparison purposes. We found that a 40-year-old male can expect to pay on average between $1,183 and $1,569 for full coverage in KC.
Lowest rates are in Kansas City, Kansas and North Kansas City, Missouri. These areas also have lower mortgage and rental rates. Residents in the Center City neighborhoods, including Hyde Park and Ivanhoe Northeast, see car insurance costs rise to an average of $1,500. The most expensive neighborhood for car insurance is near KU Medical Center and the 39th Street district.
Driving in Kansas City? Watch out for weather and animals
As they say in Kansas City, “If you don’t like the weather, wait 10 minutes.” Drivers should expect every type of weather, including rain, snow, hail and scorching heat. During extreme weather, conditions can rapidly change into hazardous situations. In snow and ice, the 2,506 crashes reported in 2016 are more than half the number of total crashes involving speeding in any weather.
During the fall, deer mating season begins, leading to much higher crash rates. Between 2007 and 2014, Kansas City metro had 13,640 crashes involving deer. These collisions are both costly and deadly—Kansas Department of Transportation estimated that deer-related crashes cost $77.8 million in 2013.
More than 18 million people are insured through Progressive, including many Kansas City residents. With dozens of storefronts in KC, buyers find it a convenient “one-stop shop” for all things accident, including repairs, rentals and on-site help. Safe drivers save 31 percent on average. Progressive is a verified InsuraMatch carrier.
Liberty Mutual, a verified InsuraMatch carrier, offers new members discounts and good drivers can save up to 30% with RightTrack. Liberty Mutual has a good customer service reputation, but the Missouri Department of Insurance reports a 136 percent complaint index—a higher than normal number of complaints. Despite this local feedback, the company's offerings are top notch.
The General is an InsuraMatch partner and is a great option for those with less-than-perfect driving records. With a high acceptance rate for drivers of all backgrounds, finding great coverage at a good price is always easy with The General. Reviewers in Kansas City call the enrollment process “quick,” “simple” and “cheap.”
With a large network of repair shops, roadside assistance and coverage levels, Esurance is a great option for families with multiple drivers. Esurance also offers CoverageMyWay, which prioritizes your needs to customize coverage. The Renters Plus discount in Kansas City gives auto insurance holders a discount if they add renters coverage.
Safeway Insurance Agency
As the only local company to top our list, Safeway Insurance Agency offers outstanding service at a great rate. For more than 20 years, Safeway has served customers with respect and compassion. Safeway reviewers found coverage at half the price as other companies while offering “amazing customer service.”
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.