Cheap Car Insurance in Kansas City, MO (July 2025)

Written by Xuyun Zeng and 2 others
Updated Jul 23, 2025
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Cheap Car Insurance in Kansas City, MO (July 2025)

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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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$33 $400 Progressive 47 July 16, 2025 Kansas City, MO 64151
$37 $440 Progressive 54 May 14, 2024 Kansas City, MO 64112
$37 $446 Progressive 56 January 30, 2025 Kansas City, MO 64154
$46 $548 Progressive 59 June 12, 2024 Kansas City, MO 64118
$52 $618 Progressive 58 February 7, 2025 Kansas City, MO 64124
$56 $666 Progressive 26 January 28, 2025 Kansas City, MO 64151
$58 $694 National General 61 May 1, 2025 Kansas City, MO 64134
$63 $750 Progressive 64 February 15, 2025 Kansas City, MO 64116
$66 $790 Safeco 54 July 10, 2025 Kansas City, MO 64130
$69 $822 Progressive 37 April 14, 2025 Kansas City, MO 64156
Last Updated Jul 24, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$37 $440 Progressive 54 May 14, 2024 Kansas City, MO 64112
$37 $446 Progressive 56 January 30, 2025 Kansas City, MO 64154
$71 $852 Progressive 47 May 16, 2025 Kansas City, MO 64111
$74 $886 Progressive 58 February 6, 2025 Kansas City, MO 64124
$81 $966 Progressive 47 July 16, 2025 Kansas City, MO 64151
$81 $976 Progressive 64 May 27, 2024 Kansas City, MO 64133
$93 $1,112 Safeco 59 June 15, 2025 Kansas City, MO 64116
$94 $1,124 Progressive 36 May 17, 2024 Kansas City, MO 64111
$96 $1,146 Progressive 34 June 14, 2025 Kansas City, MO 64154
$98 $1,170 Progressive 39 December 18, 2024 Kansas City, MO 64119
Last Updated Jul 24, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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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
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$56 $666 Progressive 26 No January 28, 2025 Kansas City, MO 64151
$69 $826 Progressive 29 No July 22, 2025 Kansas City, MO 64114
$87 $1,048 National General 26 No July 11, 2025 Kansas City, MO 64154
$91 $1,090 Progressive 29 No May 24, 2025 Kansas City, MO 64129
$95 $1,136 Progressive 24 No March 25, 2025 Kansas City, MO 64111
Last Updated Jul 24, 2025

Cheapest car insurance for mature drivers in Kansas City (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$33 $400 Progressive 47 No July 16, 2025 Kansas City, MO 64151
$37 $440 Progressive 54 Yes May 14, 2024 Kansas City, MO 64112
$66 $790 Safeco 54 No July 10, 2025 Kansas City, MO 64130
$69 $822 Progressive 37 No April 14, 2025 Kansas City, MO 64156
$71 $852 Progressive 47 Yes May 16, 2025 Kansas City, MO 64111
Last Updated Jul 24, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Has Full Coverage
Date of Policy
City, State
Age
ZIP Code
$37 $446 Progressive Yes January 30, 2025 Kansas City, MO 56 64154
$46 $548 Progressive No June 12, 2024 Kansas City, MO 59 64118
$52 $618 Progressive No February 7, 2025 Kansas City, MO 58 64124
$58 $694 National General No May 1, 2025 Kansas City, MO 61 64134
$63 $750 Progressive No February 15, 2025 Kansas City, MO 64 64116
Last Updated Jul 24, 2025

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 Policy
Has Full Coverage
City, State
ZIP Code
$33 $400 47 Progressive July 16, 2025 No Kansas City, MO 64151
$37 $440 54 Progressive May 14, 2024 Yes Kansas City, MO 64112
$37 $446 56 Progressive January 30, 2025 Yes Kansas City, MO 64154
$46 $548 59 Progressive June 12, 2024 No Kansas City, MO 64118
$52 $618 58 Progressive February 7, 2025 No Kansas City, MO 64124
$56 $666 26 Progressive January 28, 2025 No Kansas City, MO 64151
$63 $750 64 Progressive February 15, 2025 No Kansas City, MO 64116
$66 $790 54 Safeco July 10, 2025 No Kansas City, MO 64130
$69 $822 37 Progressive April 14, 2025 No Kansas City, MO 64156
$69 $826 29 Progressive July 22, 2025 No Kansas City, MO 64114
Last Updated Jul 24, 2025

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.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $52 $618 Progressive 58 February 7, 2025 Kansas City, MO 64124
<550 $82 $988 Progressive 30 June 30, 2025 Kansas City, MO 64138
<550 $85 $1,022 Progressive 62 February 28, 2025 Kansas City, MO 64119
<550 $91 $1,087 Clearcover 46 April 8, 2025 Kansas City, MO 64154
<550 $95 $1,142 Progressive 66 January 21, 2025 Kansas City, MO 64114
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Kansas City

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $71 $848 National General 59 No January 27, 2025 Kansas City, MO 64151
At Fault With No Injury $95 $1,136 Progressive 24 No March 25, 2025 Kansas City, MO 64111
At Fault With No Injury $97 $1,160 Progressive 38 No October 29, 2024 Kansas City, MO 64151
At Fault With No Injury $106 $1,272 Progressive 50 No May 14, 2025 Kansas City, MO 64138
At Fault With No Injury $110 $1,317 Progressive 34 No February 21, 2025 Kansas City, MO 64114
Last Updated Jul 24, 2025

More: What is an at-fault accident?

Cheapest car insurance for drivers with speeding tickets in Kansas City

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $91 $1,086 Progressive 36 April 7, 2024 Kansas City, MO 64123
Speeding under 15 $97 $1,159 Clearcover 35 May 28, 2025 Kansas City, MO 64151
Speeding over 15 $101 $1,210 Progressive 30 March 6, 2025 Kansas City, MO 64112
Speeding under 15 $102 $1,228 Progressive 25 December 9, 2024 Kansas City, MO 64118
Speeding under 15 $103 $1,238 Progressive 37 January 23, 2025 Kansas City, MO 64133
Last Updated Jul 24, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET 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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 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.