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

Written by Xuyun Zeng and 2 others
Updated Jul 7, 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
$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
Last Updated Jul 7, 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
$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
Last Updated Jul 7, 2025

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
Last Updated Jul 8, 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
$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
Last Updated Jul 8, 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
$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
Last Updated Jul 8, 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
$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
Last Updated Jul 7, 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 $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
Last Updated Jul 8, 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 $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
Last Updated Jul 5, 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 $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
Last Updated Jul 8, 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.