Cheap Car Insurance in Kansas City, MO

Written by Xuyun Zeng and 2 others
Updated Nov 15, 2024
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Cheap Car Insurance in Kansas City, MO

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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 per person for bodily injury.
  • $50,000 per accident for bodily injury.
  • $25,000 per accident for property coverage.

Drivers also need uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

These are some of the cheapest quotes for drivers in Kansas City, Missouri, 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
$40 $476 Progressive 62 November 26, 2023 Kansas City, MO 64133
$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
$56 $666 Progressive 26 January 28, 2025 Kansas City, MO 64151
$63 $754 Gainsco 59 January 23, 2024 Kansas City, MO 64118
$72 $858 Progressive 37 November 4, 2024 Kansas City, MO 64114
$73 $870 Progressive 47 February 28, 2024 Kansas City, MO 64118
$73 $878 Progressive 41 January 22, 2025 Kansas City, MO 64127
Last Updated May, 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, Missouri 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
$77 $918 Progressive 41 January 21, 2025 Kansas City, MO 64123
$80 $954 Progressive 53 October 29, 2024 Kansas City, MO 64133
$81 $976 Progressive 64 May 27, 2024 Kansas City, MO 64133
$87 $1,040 Progressive 31 November 15, 2023 Kansas City, MO 64138
$88 $1,050 Bristol West 65 March 27, 2025 Kansas City, MO 64117
$94 $1,124 Progressive 72 December 23, 2024 Kansas City, MO 64113
$94 $1,128 Bristol West 62 September 6, 2024 Kansas City, MO 64138
$96 $1,148 Progressive 77 April 9, 2025 Kansas City, MO 64114
$103 $1,236 Progressive 45 March 14, 2025 Kansas City, MO 64129
Last Updated May, 2025

Cheapest car insurance for young drivers in Kansas City (18-29 years old)

Young drivers tend to pay higher premiums than older drivers, 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
$82 $988 National General 29 No February 18, 2025 Kansas City, MO 64158
$86 $1,030 National General 26 No February 12, 2025 Kansas City, MO 64153
$93 $1,114 Gainsco 28 No December 11, 2023 Kansas City, MO 64119
$98 $1,174 National General 29 No March 25, 2025 Kansas City, MO 64129
Last Updated May, 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
$42 $504 Progressive 39 No December 8, 2024 Kansas City, MO 64119
$46 $548 Progressive 47 No November 16, 2024 Kansas City, MO 64151
$72 $858 Progressive 37 No November 4, 2024 Kansas City, MO 64114
$73 $870 Progressive 47 No February 28, 2024 Kansas City, MO 64118
Last Updated May, 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
$40 $476 Progressive No November 26, 2023 Kansas City, MO 62 64133
$46 $548 Progressive No June 12, 2024 Kansas City, MO 59 64118
$63 $754 Gainsco No January 23, 2024 Kansas City, MO 59 64118
$80 $954 Progressive No February 29, 2024 Kansas City, MO 62 64138
$81 $976 Progressive Yes May 27, 2024 Kansas City, MO 64 64133
Last Updated May, 2025

Cheapest car insurance for drivers with clean records in Kansas City

A pristine driving record generally gives you the best 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
$40 $476 62 Progressive November 26, 2023 No Kansas City, MO 64133
$42 $504 39 Progressive December 8, 2024 No Kansas City, MO 64119
$46 $548 47 Progressive November 16, 2024 No Kansas City, MO 64151
$46 $548 59 Progressive June 12, 2024 No Kansas City, MO 64118
$56 $666 26 Progressive January 28, 2025 No Kansas City, MO 64151
$72 $858 37 Progressive November 4, 2024 No Kansas City, MO 64114
$73 $870 47 Progressive February 28, 2024 No Kansas City, MO 64118
$73 $878 41 Progressive January 22, 2025 No Kansas City, MO 64127
$77 $918 41 Progressive January 21, 2025 Yes Kansas City, MO 64123
Last Updated May, 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 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 $95 $1,142 Progressive 66 January 21, 2025 Kansas City, MO 64114
<550 $99 $1,191 Clearcover 38 March 31, 2025 Kansas City, MO 64133
<550 $106 $1,272 Gainsco 39 April 15, 2025 Kansas City, MO 64105
<550 $131 $1,566 Progressive 29 December 11, 2024 Kansas City, MO 64124
<550 $135 $1,614 Bristol West 48 October 20, 2024 Kansas City, MO 64118
Last Updated May, 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 $94 $1,128 Bristol West 62 Yes September 6, 2024 Kansas City, MO 64138
At Fault With No Injury $96 $1,148 Progressive 77 Yes April 9, 2025 Kansas City, MO 64114
At Fault With No Injury $100 $1,204 Progressive 38 No January 10, 2025 Kansas City, MO 64157
At Fault With No Injury $103 $1,232 Gainsco 29 No January 18, 2024 Kansas City, MO 64114
At Fault With No Injury $110 $1,322 Progressive 50 No April 11, 2025 Kansas City, MO 64138
Last Updated May, 2025

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 $84 $1,010 Progressive 44 March 14, 2025 Kansas City, MO 64106
Speeding under 15 $93 $1,114 Gainsco 28 December 11, 2023 Kansas City, MO 64119
Speeding over 15 $99 $1,187 Progressive 42 April 24, 2025 Kansas City, MO 64134
Speeding over 15 $101 $1,210 Progressive 30 March 6, 2025 Kansas City, MO 64112
Speeding under 15 $101 $1,210 National General 37 January 23, 2025 Kansas City, MO 64133
Last Updated May, 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.

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.