Compare Auto Insurance Rates and Save

Kansas City drivers don't have to overpay for auto insurance even though most do. A recent study showed that the average car insurance consumer overpays by an average of $865 a year just because they don't take the time to shop around.

If you want to save money on KC car insurance, the four steps below can help you understand how to effectively compare rates.

A valuable tip to remember is to use similar deductibles and liability limits on every quote and to quote with as many companies as possible. Doing this helps ensure a fair price comparison and a complete selection of prices.

Kansas City, Missouri Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Driving violations and accidents

The illustration below illustrates how traffic citations and fender-benders influence insurance prices for each different age category. The information is based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

Whether you pay high or low rates for car insurance depends on many different factors, but the average policy in Kansas City is roughly $1,070 for an annual policy. Other states average approximately $1,224, so Kansas City residents pay about $150 less each year than drivers who live in other states. That's not too bad, but you can still save money by shopping around.

Auto insurance rates are determined by many variables, and one of the primary components is the type of car or truck you own. The next table shows policy rates for some of the more popular vehicles insured in Kansas City.

Insurance Rates for Popular Cars in Kansas City
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $910 $455 $76
Ford Focus SES 4-Dr Sedan $944 $472 $79
Ford Fusion SEL AWD 4-Dr Sedan $1,084 $542 $90
Honda Accord LX 4-Dr Sedan $768 $384 $64
Honda Civic DX 2-Dr Coupe $1,036 $518 $86
Kia Optima LX $958 $479 $80
Nissan Altima 2.5 S 2-Dr Coupe $1,044 $522 $87
Toyota Camry SE $970 $485 $81
Toyota Corolla S $970 $485 $81
Volkswagen Jetta 2.0T 4-Dr Sedan $996 $498 $83
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in specific zip code location which can impact auto insurance rates considerably.

Insurance Rates for Popular Pickup Trucks in Kansas City
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 2WD $884 $442 $74
Chevrolet Silverado Crew Cab Hybrid 2WD $1,058 $529 $88
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,070 $535 $89
Ford F-150 FX2 Super Cab 2WD $850 $425 $71
Ford F-250 XL Super Cab Cabela Turbo Diesel 4WD $1,176 $588 $98
Ford F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $1,108 $554 $92
GMC Sierra 2500HD SLE Crew Cab 4WD $996 $498 $83
GMC Sierra 3500HD SLE Crew Cab 4WD $1,176 $588 $98
GMC Sierra SLE Crew Cab 2WD $910 $455 $76
Toyota Tundra Regular Cab 2WD $872 $436 $73
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Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rates do not factor in garaging location in Kansas City which can lower or raise premiums noticeably.

Insurance Rates for Popular SUVs and Crossovers in Kansas City
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX with Tech Package 4WD $1,022 $511 $85
Chevrolet Traverse LTZ 2WD $880 $440 $73
Ford Escape XLS 2WD $768 $384 $64
Ford Expedition King Ranch 2WD $966 $483 $81
Ford Explorer Eddie Bauer 4WD $936 $468 $78
GMC Acadia SLT AWD $936 $468 $78
GMC Terrain SLE AWD $854 $427 $71
Honda CR-V EX 4WD $794 $397 $66
Honda Pilot Touring 2WD $936 $468 $78
Jeep Grand Cherokee Limited 4WD $996 $498 $83
Toyota 4Runner Trail Edition 4WD $966 $483 $81
Toyota Highlander Limited 2WD $1,022 $511 $85
Toyota RAV4 Limited 2WD $910 $455 $76
Volvo XC90 3.2 AWD $1,084 $542 $90
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in vehicle garaging location which can change coverage prices significantly.

Top 15 cheapest vehicles to insure in Kansas City, MO
Honda Fit
Hyundai Accent
Mini Cooper
Honda Accord
Kia Rondo
Mazda MX-5 Miata
Ford Escape
Chrysler PT Cruiser
Hyundai Elantra
Honda CR-V
Chevrolet Colorado
Mazda 5
Ford F-150
Nissan Xterra
Jeep Wrangler
Top 15 most expensive vehicles to insure in Kansas City, MO
Mercedes-Benz CL65 AMG
Mercedes-Benz S65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Mercedes-Benz CL550
Porsche 911
Porsche Panamera
TESLA Roadster
Chevrolet Corvette
Porsche Cayenne
Top 15 safest vehicles to insure in Kansas City, MO
Ford Expedition EL
Chrysler Town and Country
Buick Enclave
Jeep Liberty
Nissan Titan
Chevrolet Tahoe
Jeep Wrangler
Chevrolet Equinox
GMC Sierra
Toyota Tacoma
Jeep Grand Cherokee
GMC Sierra 2500HD
Chevrolet Suburban
Chevrolet Silverado
GMC Yukon

Why you need insurance for your vehicle

Despite the potentially high cost of car insurance, car insurance may be mandatory for several reasons.

First, just about all states have mandatory insurance requirements which means it is punishable by state law to not carry a minimum amount of liability protection in order to license the vehicle. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your vehicle, almost every bank will require you to have comprehensive coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank may insure your vehicle for a much higher rate and require you to fork over for the expensive policy.

Third, insurance protects both your assets and your vehicle. It will also provide coverage for all forms of medical expenses that are the result of an accident. Liability coverage, the one required by state law, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If you have damage to your vehicle as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.