If you need to get around the Kansas City area, you’ll probably encounter complex interchanges, like the Downtown Loop, as well as the occasional hazardous weather event. Whether it’s the winter snow and ice, heavy rain and flash flooding, or the occasional tornado, there are no shortage of reasons to carry solid car insurance in Kansas City.
For better context on what to expect from car insurance pricing, we’ve rounded up real data from real Jerry customers in the city from a variety of demographics. This will show you how factors such as coverage needs, driving record and age will impact your insurance rate.
Cheapest minimum coverage insurance in Kansas City
Missouri requires the following coverages for all drivers in the state, including Kansas City residents:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $25,000 in uninsured motorist bodily injury per person
- $50,000 in uninsured motorist bodily injury per accident.
These are some of the cheapest car insurance for drivers in Kansas City, Mo., based on real quotes from Jerry customers.
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Kansas City
Full coverage in Missouri includes state-mandated insurance and coverage for damage caused by weather, animal collisions and theft. Here are some real quotes for full coverage that Jerry customers in Kansas City, Mo., have received.
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $65 | $784 | 34 | 06/14/25 | 64154 | ||
| $77 | $918 | 65 | 06/19/25 | 64111 | ||
| $81 | $970 | 79 | 07/16/25 | 64114 | ||
| $83 | $990 | 29 | 07/17/25 | 64109 | ||
| $86 | $1,028 | 41 | 06/19/25 | 64130 | ||
| $93 | $1,110 | 43 | 08/06/25 | 64156 | ||
| $93 | $1,112 | 46 | 06/27/25 | 64151 | ||
| $95 | $1,134 | 41 | 05/27/25 | 64155 | ||
| $96 | $1,150 | 25 | 10/09/25 | 64111 | ||
| $98 | $1,180 | 42 | 08/08/25 | 64155 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest car insurance for young drivers in Kansas City (18-29 years old)
Young drivers tend to pay higher premiums than seniors, but that doesn't preclude them from finding cheap coverage. These are some of the cheapest quotes for younger drivers in Kansas City, based on real quotes from Jerry customers.
|
Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
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Date of Quote
|
City, State
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ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
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City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $53 | $640 | 27 | No | 08/09/25 | 64110 | ||
| $55 | $660 | 29 | No | 07/22/25 | 64114 | ||
| $66 | $788 | 27 | No | 11/10/25 | 64118 | ||
| $70 | $840 | 27 | No | 11/06/25 | 64110 | ||
| $70 | $842 | 28 | No | 09/01/25 | 64127 | ||
| $93 | $1,110 | 43 | 08/06/25 | 64156 | |||
| $93 | $1,112 | 46 | 06/27/25 | 64151 | |||
| $95 | $1,134 | 41 | 05/27/25 | 64155 | |||
| $96 | $1,150 | 25 | 10/09/25 | 64111 | |||
| $98 | $1,180 | 42 | 08/08/25 | 64155 |
Cheapest car insurance for mature drivers in Kansas City (30-54 years old)
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Monthly Quote
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Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $31 | $366 | 38 | No | 06/16/25 | 64105 | ||
| $34 | $402 | 41 | No | 07/02/25 | 64111 | ||
| $36 | $428 | 45 | No | 06/25/25 | 64116 | ||
| $37 | $438 | 40 | No | 06/20/25 | 64127 | ||
| $42 | $509 | 43 | No | 07/29/25 | 64157 | ||
| $93 | $1,110 | 43 | 08/06/25 | 64156 | |||
| $93 | $1,112 | 46 | 06/27/25 | 64151 | |||
| $95 | $1,134 | 41 | 05/27/25 | 64155 | |||
| $96 | $1,150 | 25 | 10/09/25 | 64111 | |||
| $98 | $1,180 | 42 | 08/08/25 | 64155 |
Cheapest car insurance for older drivers (55+ years old)
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Monthly Quote
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Annual Quote
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Insurance Company
|
Has Full Coverage
|
Date of Quote
|
Age
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Has Full Coverage
|
Date of Quote
|
Age
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $46 | $548 | No | 06/05/25 | 55 | 64138 | ||
| $51 | $610 | No | 11/15/25 | 55 | 64151 | ||
| $52 | $624 | No | 07/30/25 | 68 | 64154 | ||
| $55 | $664 | No | 11/14/25 | 60 | 64153 | ||
| $55 | $664 | No | 07/20/25 | 55 | 64118 | ||
| $93 | $1,110 | 08/06/25 | 43 | 64156 | |||
| $93 | $1,112 | 06/27/25 | 46 | 64151 | |||
| $95 | $1,134 | 05/27/25 | 41 | 64155 | |||
| $96 | $1,150 | 10/09/25 | 25 | 64111 | |||
| $98 | $1,180 | 08/08/25 | 42 | 64155 |
Cheapest car insurance for drivers with clean records in Kansas City
A pristine driving record generally gives you the best car insurance quotes. Here are real quotes to Jerry in Kansas City with clean records.
|
Monthly Quote
|
Annual Quote
|
Age
|
Insurance Company
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Age
|
Insurance Company
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $31 | $366 | 38 | 06/16/25 | No | 64105 | ||
| $34 | $402 | 41 | 07/02/25 | No | 64111 | ||
| $36 | $428 | 45 | 06/25/25 | No | 64116 | ||
| $37 | $438 | 40 | 06/20/25 | No | 64127 | ||
| $42 | $509 | 43 | 07/29/25 | No | 64157 | ||
| $44 | $532 | 31 | 08/24/25 | No | 64134 | ||
| $46 | $548 | 55 | 06/05/25 | No | 64138 | ||
| $47 | $560 | 51 | 06/12/25 | No | 64131 | ||
| $50 | $596 | 50 | 08/27/25 | No | 64138 | ||
| $51 | $610 | 55 | 11/15/25 | No | 64151 |
Cheapest car insurance for drivers with low credit scores in Kansas City
A low credit score of less than 550 often leads to higher rates, but it doesn't necessarily mean you can't find affordable coverage. Here are some of the cheapest car insurance quotes that Kansas City residents with low scores received via Jerry.
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Credit Score
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $52 | $618 | 58 | 02/07/25 | 64124 | ||
| <550 | $58 | $692 | 40 | 03/18/25 | 64117 | ||
| <550 | $60 | $722 | 65 | 08/05/25 | 64137 | ||
| <550 | $66 | $792 | 44 | 10/01/25 | 64145 | ||
| <550 | $66 | $797 | 35 | 09/24/25 | 64111 | ||
| $44 | $532 | 31 | 64134 | ||||
| $46 | $548 | 55 | 64138 | ||||
| $47 | $560 | 51 | 64131 | ||||
| $50 | $596 | 50 | 64138 | ||||
| $51 | $610 | 55 | 64151 |
Cheapest car insurance for drivers with at-fault accidents in Kansas City
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
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City, State
|
ZIP Code
|
|---|
|
At-fault Accident on Record
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $39 | $466 | 29 | No | 11/12/25 | 64110 | ||
| At Fault With No Injury | $55 | $656 | 38 | No | 11/12/25 | 64118 | ||
| At Fault With No Injury | $55 | $660 | 29 | No | 10/07/25 | 64118 | ||
| At Fault With No Injury | $58 | $692 | 40 | No | 03/18/25 | 64117 | ||
| At Fault With No Injury | $61 | $730 | 28 | No | 02/15/25 | 64131 | ||
| $44 | $532 | 31 | No | 64134 | ||||
| $46 | $548 | 55 | No | 64138 | ||||
| $47 | $560 | 51 | No | 64131 | ||||
| $50 | $596 | 50 | No | 64138 | ||||
| $51 | $610 | 55 | No | 64151 |
More: What is an at-fault accident?
Cheapest car insurance for drivers with speeding tickets in Kansas City
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Violation Summary
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Monthly Quote
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Annual Quote
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Insurance Company
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Age
|
Date of Quote
|
City, State
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ZIP Code
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|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $47 | $564 | 35 | 08/09/25 | 64118 | ||
| Speeding over 15 | $51 | $614 | 48 | 11/13/25 | 64111 | ||
| Speeding over 15 | $77 | $922 | 46 | 10/15/25 | 64118 | ||
| Speeding under 15 | $79 | $950 | 35 | 11/01/25 | 64114 | ||
| Speeding under 15 | $83 | $990 | 46 | 06/13/25 | 64108 | ||
| $44 | $532 | 31 | 08/24/25 | 64134 | |||
| $46 | $548 | 55 | 06/05/25 | 64138 | |||
| $47 | $560 | 51 | 06/12/25 | 64131 | |||
| $50 | $596 | 50 | 08/27/25 | 64138 | |||
| $51 | $610 | 55 | 11/15/25 | 64151 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
