Updated December 15, 2025

4 Best Tips For Buying Cheap Car Insurance in Kansas City, MO

Missouri cheapest insurance

4 Best Tips For Buying Cheap Car Insurance in Kansas City, MO

Jerry has helped customers find affordable coverage in Missouri since 2019. In Kansas City, here are some key numbers from the past six months:

  • Jerry has helped 1,221 drivers to compare 10 insurance providers.

  • Majority of quotes range from $156 to $360 per month.

  • On average, Jerry users who switched to a lower quote saved $32 to $131 per month.

If you want to see what you could save, Jerry can help you check your options in minutes.

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How Jerry finds car insurance savings for Kansas City drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. Jerry helps Kansas City drivers find more affordable coverage by comparing up to 10 insurers in just minutes. Here’s a look at real quotes Jerry customers in Kansas City found when they shopped around.

Recent quotes

Last Updated Dec. 14, 2025

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.


Learn more: Best car insurance in Missouri


If you’re looking to get the best deal on your car insurance, here are four top tips from Jerry’s agents that can help you save.

Jerry Agent Tip 1: Compare quotes to find the cheapest insurer

Checking quotes before your policy renews helps you avoid overpaying, no matter which coverage level you choose. Since insurers price driver profiles in Kansas City differently, the same coverage can come with very different price tags.

Here’s how those differences show up for real Jerry customers:

Recent customer quotes

Last Updated Dec. 14, 2025

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Jerry recommends: Compare quotes across several insurers to make sure you’re getting the lowest price for the coverage you want. The Jerry app makes it easy to see your options side by side.

Jerry Agent Tip 2: Always stack discounts you qualify for

Simple things like being a good drivergetting your quote early, or switching to paperless billing can bring your insurance costs down. Since it’s hard to know which discounts actually apply, Jerry checks for your eligible savings so you don’t miss out on extra savings.

Key takeaway: Combining discounts is an effective way to save. Jerry finds discounts you qualify for at different insurers when you compare quotes in the app.

Jerry Agent Tip 3: Balance coverage and cost

Choosing the right mix of coverage helps drivers in Kansas City strike a balance between saving money and staying well protected.

While state minimum coverage keeps costs lower, adding more protection like full coverage and roadside assistance can give peace of mind if something unexpected happens. It’s all about finding what works best for your budget and your needs, so you feel confident on the road without paying for coverage you don’t need.

Here are the coverage options Kansas City drivers can choose from to find the right combination of price and protection:

Minimum

$95$185/mo

Meets state requirements but won’t protect your own vehicle.

Full

$177$375/mo

Adds collision and comprehensive, often required if you finance or lease.

Standard

$203$391/mo

Builds on full coverage with stronger limits or medpay.

Preferred

$227$440/mo

Higher liability limits, lower deductibles and extras like towing or rental reimbursement mean better protection.

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Jerry recommends: Weigh your protection needs against your budget, then use the Jerry app to get real-time quotes based on the coverage levels you choose.

  • Coverage definitions
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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

  • Check your car’s value (Jerry tracks this for you monthly).

  • Choose what you can afford out-of-pocket.

  • See how deductibles change your rate in real time.

The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.

Drive with confidence

Driving comes with financial risks, but staying protected shouldn’t drain your budget. By comparing quotes and looking for discounts, you can often save more than you expect while still having adequate coverage. Jerry makes it easy for Kansas City drivers to see real savings by checking multiple insurers and finding discounts that apply.

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Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes

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Our experts
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Xuyun Zeng

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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