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Cheap Auto Insurance Quotes in Kansas City, KS (2023)
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Written by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Edited by
Olivia Oksenhorn
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated August 31, 2022
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Car Insurance in Kansas City, KS
The average cost of Kansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Kansas City, KS to find you the cheapest quotes in the area.
Quick Facts
The average cost of car insurance in Kansas City is $188 per month, or $2256 annually.
Car insurance in Kansas City is $25 more than the average cost of car insurance in Kansas.
The cheapest car insurance provider in Kansas City on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
State Farm$72
Allstate$73
Nationwide$91
Progressive$135
American Family$137
See More:
Cheapest Car Insurance in Kansas City, KS
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Kansas City | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| State Farm | $72 /mo |
| Allstate | $73 /mo |
| Nationwide | $91 /mo |
| Progressive | $135 /mo |
| American Family | $137 /mo |
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Minimum Car Insurance Requirements in Kansas
All motor vehicles operated or parked on Kansas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Kansas[1] are:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Kansas is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.
$25,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$4,500 per accident for PIP
Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.
$25,000 per person for uninsured/underinsured motorist bodily injury
$50,000 per accident for uninsured/underinsured motorist bodily injury
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Kansas, this coverage covers both categories of drivers.
For more detailed Kansas city level guides, check out these below.
FAQs - Kansas City, KS Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.
Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
Insurify Insights
How Kansas City Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Kansas City, Kansas below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Kansas City drivers measure up to their fellow motorists across Kansas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Chevrolet Malibu
Most Popular Car in Kansas City
#18
City with the Most Speeding Tickets Rank in Kansas
#22
City with the Most Moving Violations Rank in Kansas
#19
City with the Most DUIs Rank in Kansas
#3
City with the Most Suspended Licenses in Kansas
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Kansas City drivers rank 22 in the number of car accidents per driver across all cities in Kansas.
- Rank within state: #22
- Percent of drivers in Kansas City with an accident: 7.2%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Kansas City drivers rank 19 in the number of DUI’s per driver across all cities in Kansas.
- Rank within state: #19
- Percent of drivers in Kansas City with a DUI: 1.2%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Kansas, Kansas City drivers rank 22 in the number of reckless driving offenses per driver.
- Rank within state: #22
- Percent of drivers in Kansas City with a reckless driving offense: 1.3%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Kansas, Kansas City drivers rank 24 in rude driving infractions.
- Rank within state: #24
- Percent of drivers in Kansas City with a reckless driving violation: 1.4%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kansas, Kansas City drivers rank 18 in the number of speeding infractions per driver.
- Rank within state: #18
- Percent of drivers in Kansas City with a speeding ticket: 11%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Kansas City drivers rank 9 in clean driving records across all cities in Kansas.
- Rank within state: #9
- Percent of drivers in Kansas City with clean record: 77.4%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Kansas City drivers rank 21 in hybrid and electric vehicle ownership across all cities in Kansas.
- Rank within state: #21
- Percent of drivers in Kansas City with a hybrid/electric vehicle: 0.46%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Kansas Insurance Department. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
