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

Written by Xuyun Zeng and 2 others
Updated Oct 3, 2025
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Cheap Car Insurance in Kansas City, MO (October 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 Quote
City, State
ZIP Code
$25 $298 Progressive 35 September 20, 2025 Kansas City, MO 64151
$28 $332 Progressive 41 June 19, 2025 Kansas City, MO 64119
$36 $428 Progressive 32 August 4, 2025 Kansas City, MO 64152
$37 $438 Progressive 40 June 20, 2025 Kansas City, MO 64127
$40 $478 Progressive 46 June 27, 2025 Kansas City, MO 64134
$42 $508 Geico 36 August 24, 2025 Kansas City, MO 64114
$44 $533 Safeco 27 June 28, 2025 Kansas City, MO 64118
$45 $544 Progressive 48 October 2, 2025 Kansas City, MO 64163
$46 $546 Progressive 41 June 3, 2025 Kansas City, MO 64118
$48 $578 Progressive 30 April 27, 2025 Kansas City, MO 64105
Last Updated Oct. 4, 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 Quote
City, State
ZIP Code
$60 $724 Progressive 36 June 19, 2025 Kansas City, MO 64154
$63 $760 Progressive 59 May 11, 2025 Kansas City, MO 64156
$67 $804 Progressive 34 July 30, 2025 Kansas City, MO 64110
$69 $828 Progressive 38 June 15, 2025 Kansas City, MO 64118
$74 $886 Progressive 47 August 17, 2025 Kansas City, MO 64111
$74 $886 Progressive 45 June 25, 2025 Kansas City, MO 64116
$77 $918 Progressive 65 June 19, 2025 Kansas City, MO 64111
$77 $927 Safeco 72 June 7, 2025 Kansas City, MO 64114
$81 $974 Safeco 41 June 21, 2025 Kansas City, MO 64113
$82 $978 Progressive 44 June 23, 2025 Kansas City, MO 64118
Last Updated Oct. 4, 2025

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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 Quote
City, State
ZIP Code
$44 $533 Safeco 27 No June 28, 2025 Kansas City, MO 64118
$51 $608 Geico 24 No August 9, 2025 Kansas City, MO 64118
$70 $838 Progressive 27 No August 8, 2025 Kansas City, MO 64114
$71 $846 Progressive 24 No April 8, 2025 Kansas City, MO 64111
$73 $870 Bristol West 27 No September 30, 2025 Kansas City, MO 64133
$74 $886 Progressive 45 June 25, 2025 Kansas City, MO 64116
$77 $918 Progressive 65 June 19, 2025 Kansas City, MO 64111
$77 $927 Safeco 72 June 7, 2025 Kansas City, MO 64114
$81 $974 Safeco 41 June 21, 2025 Kansas City, MO 64113
$82 $978 Progressive 44 June 23, 2025 Kansas City, MO 64118
Last Updated Oct. 4, 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 Quote
City, State
ZIP Code
$28 $332 Progressive 41 No June 19, 2025 Kansas City, MO 64119
$40 $478 Progressive 46 No June 27, 2025 Kansas City, MO 64134
$49 $584 Geico 34 No July 30, 2025 Kansas City, MO 64110
$50 $596 Progressive 41 No June 19, 2025 Kansas City, MO 64111
$50 $604 National General 47 No August 30, 2025 Kansas City, MO 64138
$74 $886 Progressive 45 June 25, 2025 Kansas City, MO 64116
$77 $918 Progressive 65 June 19, 2025 Kansas City, MO 64111
$77 $927 Safeco 72 June 7, 2025 Kansas City, MO 64114
$81 $974 Safeco 41 June 21, 2025 Kansas City, MO 64113
$82 $978 Progressive 44 June 23, 2025 Kansas City, MO 64118
Last Updated Oct. 4, 2025

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

Monthly Quote
Annual Quote
Insurance Company
Has Full Coverage
Date of Quote
City, State
Age
ZIP Code
$52 $622 Safeco No July 30, 2025 Kansas City, MO 68 64154
$62 $744 Bristol West No June 19, 2025 Kansas City, MO 65 64111
$63 $760 Progressive Yes May 11, 2025 Kansas City, MO 59 64156
$64 $762 Bristol West No October 1, 2025 Kansas City, MO 70 64118
$67 $800 Safeco No August 4, 2025 Kansas City, MO 65 64130
$74 $886 Progressive June 25, 2025 Kansas City, MO 45 64116
$77 $918 Progressive June 19, 2025 Kansas City, MO 65 64111
$77 $927 Safeco June 7, 2025 Kansas City, MO 72 64114
$81 $974 Safeco June 21, 2025 Kansas City, MO 41 64113
$82 $978 Progressive June 23, 2025 Kansas City, MO 44 64118
Last Updated Oct. 4, 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 Quote
Has Full Coverage
City, State
ZIP Code
$28 $332 41 Progressive June 19, 2025 No Kansas City, MO 64119
$40 $478 46 Progressive June 27, 2025 No Kansas City, MO 64134
$44 $533 27 Safeco June 28, 2025 No Kansas City, MO 64118
$49 $584 34 Geico July 30, 2025 No Kansas City, MO 64110
$50 $596 41 Progressive June 19, 2025 No Kansas City, MO 64111
$50 $604 47 National General August 30, 2025 No Kansas City, MO 64138
$51 $608 24 Geico August 9, 2025 No Kansas City, MO 64118
$52 $622 68 Safeco July 30, 2025 No Kansas City, MO 64154
$58 $696 37 Bristol West July 10, 2025 No Kansas City, MO 64118
$60 $724 36 Progressive June 19, 2025 Yes Kansas City, MO 64154
Last Updated Oct. 4, 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 $60 $722 Progressive 65 August 5, 2025 Kansas City, MO 64137
<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
$50 $604 National General 47 Kansas City, MO 64138
$51 $608 Geico 24 Kansas City, MO 64118
$52 $622 Safeco 68 Kansas City, MO 64154
$58 $696 Bristol West 37 Kansas City, MO 64118
$60 $724 Progressive 36 Kansas City, MO 64154
Last Updated Oct. 4, 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 $85 $1,017 Progressive 50 No September 24, 2025 Kansas City, MO 64138
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 $1,276 Progressive 47 No August 12, 2025 Kansas City, MO 64123
$50 $604 National General 47 No Kansas City, MO 64138
$51 $608 Geico 24 No Kansas City, MO 64118
$52 $622 Safeco 68 No Kansas City, MO 64154
$58 $696 Bristol West 37 No Kansas City, MO 64118
$60 $724 Progressive 36 Yes Kansas City, MO 64154
Last Updated Oct. 4, 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 Quote
City, State
ZIP Code
Speeding under 15 $82 $988 Geico 36 September 16, 2025 Kansas City, MO 64123
Speeding under 15 $91 $1,094 Progressive 35 July 9, 2025 Kansas City, MO 64151
Speeding under 15 $96 $1,150 The General 42 April 7, 2025 Kansas City, MO 64155
Speeding under 15 $98 $1,180 Bristol West 27 April 8, 2025 Kansas City, MO 64138
Speeding under 15 $101 $1,214 Bristol West 32 August 26, 2025 Kansas City, MO 64151
$50 $604 National General 47 August 30, 2025 Kansas City, MO 64138
$51 $608 Geico 24 August 9, 2025 Kansas City, MO 64118
$52 $622 Safeco 68 July 30, 2025 Kansas City, MO 64154
$58 $696 Bristol West 37 July 10, 2025 Kansas City, MO 64118
$60 $724 Progressive 36 June 19, 2025 Kansas City, MO 64154
Last Updated Sept. 29, 2025

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.

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.
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