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
|
---|---|---|---|---|---|---|
$37 | $440 | Progressive | 54 | May 14, 2024 | Kansas City, MO | 64112 |
$38 | $452 | Progressive | 31 | June 27, 2025 | Kansas City, MO | 64119 |
$42 | $504 | Progressive | 39 | December 8, 2024 | Kansas City, MO | 64119 |
$46 | $548 | Progressive | 59 | June 12, 2024 | Kansas City, MO | 64118 |
$46 | $548 | Progressive | 47 | November 16, 2024 | Kansas City, MO | 64151 |
$48 | $578 | Safeco | 59 | June 15, 2025 | Kansas City, MO | 64116 |
$52 | $618 | Progressive | 58 | February 7, 2025 | Kansas City, MO | 64124 |
$52 | $622 | National General | 28 | January 31, 2025 | Kansas City, MO | 64116 |
$54 | $652 | Progressive | 47 | June 24, 2025 | Kansas City, MO | 64118 |
$56 | $666 | Progressive | 26 | January 28, 2025 | Kansas City, MO | 64151 |
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.
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 |
$38 | $452 | Progressive | 31 | June 27, 2025 | Kansas City, MO | 64119 |
$56 | $676 | Progressive | 65 | April 13, 2025 | Kansas City, MO | 64108 |
$77 | $918 | Progressive | 41 | January 21, 2025 | Kansas City, MO | 64123 |
$78 | $940 | Progressive | 63 | May 11, 2025 | Kansas City, MO | 64119 |
$80 | $954 | Progressive | 30 | May 7, 2025 | Kansas City, MO | 64158 |
$80 | $954 | Progressive | 53 | October 29, 2024 | Kansas City, MO | 64133 |
$80 | $964 | Progressive | 42 | February 27, 2025 | Kansas City, MO | 64152 |
$81 | $976 | Progressive | 64 | May 27, 2024 | Kansas City, MO | 64133 |
$83 | $1,000 | Progressive | 23 | January 8, 2025 | Kansas City, MO | 64119 |
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
|
---|---|---|---|---|---|---|---|
$52 | $622 | National General | 28 | No | January 31, 2025 | Kansas City, MO | 64116 |
$56 | $666 | Progressive | 26 | No | January 28, 2025 | Kansas City, MO | 64151 |
$57 | $680 | Progressive | 25 | No | May 1, 2025 | Kansas City, MO | 64112 |
$76 | $916 | Progressive | 22 | No | December 12, 2024 | Kansas City, MO | 64117 |
$82 | $988 | National General | 29 | No | February 18, 2025 | Kansas City, MO | 64158 |
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
|
---|---|---|---|---|---|---|---|
$37 | $440 | Progressive | 54 | Yes | May 14, 2024 | Kansas City, MO | 64112 |
$38 | $452 | Progressive | 31 | Yes | June 27, 2025 | Kansas City, MO | 64119 |
$42 | $504 | Progressive | 39 | No | December 8, 2024 | Kansas City, MO | 64119 |
$46 | $548 | Progressive | 47 | No | November 16, 2024 | Kansas City, MO | 64151 |
$54 | $652 | Progressive | 47 | No | June 24, 2025 | Kansas City, MO | 64118 |
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
|
---|---|---|---|---|---|---|---|
$46 | $548 | Progressive | No | June 12, 2024 | Kansas City, MO | 59 | 64118 |
$48 | $578 | Safeco | No | June 15, 2025 | Kansas City, MO | 59 | 64116 |
$50 | $594 | Safeco | No | March 11, 2025 | Kansas City, MO | 83 | 64108 |
$52 | $618 | Progressive | No | February 7, 2025 | Kansas City, MO | 58 | 64124 |
$56 | $676 | Progressive | Yes | April 13, 2025 | Kansas City, MO | 65 | 64108 |
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
|
---|---|---|---|---|---|---|---|
$37 | $440 | 54 | Progressive | May 14, 2024 | Yes | Kansas City, MO | 64112 |
$38 | $452 | 31 | Progressive | June 27, 2025 | Yes | Kansas City, MO | 64119 |
$42 | $504 | 39 | Progressive | December 8, 2024 | No | Kansas City, MO | 64119 |
$46 | $548 | 59 | Progressive | June 12, 2024 | No | Kansas City, MO | 64118 |
$46 | $548 | 47 | Progressive | November 16, 2024 | No | Kansas City, MO | 64151 |
$48 | $578 | 59 | Safeco | June 15, 2025 | No | Kansas City, MO | 64116 |
$50 | $594 | 83 | Safeco | March 11, 2025 | No | Kansas City, MO | 64108 |
$52 | $618 | 58 | Progressive | February 7, 2025 | No | Kansas City, MO | 64124 |
$54 | $652 | 47 | Progressive | June 24, 2025 | No | Kansas City, MO | 64118 |
$56 | $666 | 26 | Progressive | January 28, 2025 | No | Kansas City, MO | 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.
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 | $984 | Progressive | 34 | February 21, 2025 | Kansas City, MO | 64114 |
<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 | $99 | $1,191 | Clearcover | 38 | March 31, 2025 | Kansas City, MO | 64133 |
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 | $52 | $622 | National General | 28 | No | January 31, 2025 | Kansas City, MO | 64116 |
At Fault With No Injury | $65 | $782 | Progressive | 31 | No | April 10, 2025 | Kansas City, MO | 64151 |
At Fault With No Injury | $71 | $848 | National General | 59 | No | January 27, 2025 | Kansas City, MO | 64151 |
At Fault With No Injury | $82 | $984 | Progressive | 34 | No | February 21, 2025 | Kansas City, MO | 64114 |
At Fault With No Injury | $94 | $1,128 | Bristol West | 62 | Yes | September 6, 2024 | Kansas City, MO | 64138 |
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 | $61 | $726 | Progressive | 34 | November 14, 2024 | Kansas City, MO | 64153 |
Speeding under 15 | $91 | $1,086 | Progressive | 36 | April 7, 2024 | Kansas City, MO | 64123 |
Speeding under 15 | $91 | $1,088 | Progressive | 44 | March 14, 2025 | Kansas City, MO | 64106 |
Speeding under 15 | $99 | $1,185 | Progressive | 42 | June 29, 2025 | Kansas City, MO | 64134 |
Speeding over 15 | $101 | $1,210 | Progressive | 30 | March 6, 2025 | Kansas City, MO | 64112 |
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.

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.