Best Kansas City, KS Auto Insurance in 2024 (Top 10 Companies Ranked)

The best Kansas City, KS auto insurance comes from State Farm, Geico, and Progressive, with rates starting at $65/month. State Farm leads with 25% safe driver discounts and trusted service, while Geico offers up to 15% savings for budget-friendly coverage.

Progressive stands out for its flexibility, giving drivers plenty of options to customize their policies. These three companies deliver the perfect mix of savings, coverage, and reliability in searching for cheap auto insurance for Kansas City drivers.

Our Top 10 Company Picks: Best Kansas City, KS Auto Insurance

Find the best auto insurance company near you by entering your ZIP code into our free quote tool.

#1 – State Farm: Top Overall Pick

Pros

• Numerous Promotional Offers: Offers savings like multi-policy and safe driver discounts, helping reduce auto insurance costs in Kansas City.
• Comprehensive Coverage Options: Offers a wide range of options, including rideshare and rental car coverage, making it a strong choice for Kansas City residents.
• Highly Rated Customer Service: Discover our State Farm auto insurance review to learn why drivers in Kansas appreciate their highly rated customer service and responsive local agents.

Cons

• Premiums for Lower Credit Scores: Kansas City drivers with less-than-ideal credit may encounter higher insurance costs.
• Limited Tech Options: While it has a strong presence of local agents, it lacks the robust digital tools some drivers in Kansas may prefer for quick claims processing.

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#2 – Geico: Best for Affordable Rates

Pros

• Affordable Rates: Geico is one of Kansas’s best cheap auto insurance options. Its premiums are low, especially for those with a good driving record.
• Excellent Mobile App: Our Geico auto insurance review found that the app’s convenience makes policy management simple for Kansas City residents.
• Less Personalized Service: Geico emphasizes digital tools, so it may offer a different level of local agent service than some Kansas City drivers prefer.

Cons

• Limited In-Person Support: Geico emphasizes digital tools, so it may offer a different level of local agent service than some Kansas drivers prefer.
• Not as Many Discount Opportunities: Compared to competitors like State Farm, Geico’s discounts may be more limited, affecting overall savings for drivers in Kansas.

#3 – Progressive: Best for Flexible Coverage

Pros

• Customizable Coverage: Multiple coverage selections, including insurance for problematic Kansas drivers, are available, making it suitable for many clients.
• Bundle Discounts: Explore our Progressive auto insurance review to see how Kansas City drivers can benefit from bundle discounts on home and car insurance.
• User-friendly Online Functionalities: Provides features such as the “Name Your Price” option, which helps Kansas City motorists select the desired cover quickly.

Cons

• Higher Premiums for Younger Drivers: In Kansas, teens or young adults may pay higher premiums than other insurers.
• Complicated Policy Details: While Progressive offers flexibility, some  Kansas drivers may find its coverage options and pricing structure complex.

#4 – Allstate: Best for Financial Stability

Pros

• Comprehensive Policy Options: Allstate provides a wide range of policies to counteract this for Kansas drivers, including accident forgiveness and new car replacement.
• Discounts for Safe Drivers: Drivers with clean records in Kansas City may benefit from Allstate’s discounts, including safe driver and responsible payer savings.
• Bundling Savings: According to our Allstate auto insurance review, Kansas drivers can find substantial savings through bundling home and auto policies.

Cons

• Increased Costs for Youthful Motorists: The rates could be less favorable to the youth driver’s age bracket, focusing on all Kansas City charges than other insurance.
• Inconsistent Claims Satisfaction: Some Kansas City customers report slower claims processing times with Allstate.

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#5 – Farmers: Best for High-Risk Drivers

Pros

• Knowledge of the Place: Farmers agents in Kansas City can offer relevant information and assistance based on how local conditions guide driving.
• Excellent for Bundling: Read our Farmers auto insurance review to learn the savings available for Kansas residents who bundle multiple policies.
• Good Roadside Assistance Options: Farmers’ optional roadside coverage can be a good add-on for drivers frequently traveling in and around Kansas City.

Cons

• Rates may be higher than Competitors: Kansas drivers looking for budget-friendly coverage may find Farmers less affordable.
• App Functionality Could Improve: Farmers’ mobile app lacks some features found in competitors’ apps, which may be a drawback for tech-savvy drivers in Kansas.

#6 – USAA: Best For Military Families

Pros

• Distinct Cost-Effective Features for Military: Offers competitive rates and services for current military members and their eligible dependents in Kansas City.
• Premium Client Handling: Given its reputation for superior service, USAA is a more than acceptable option for Kansas motorists who want dependable assistance.
• Specialized for Military: Check out our USAA auto insurance review for Kansas City residents, highlighting military-focused benefits such as deployment waivers.

Cons

• Eligibility Restricted to Military Families: Kansas City residents without military ties cannot access USAA’s services.
• Fewer Local Agents: Kansas drivers may need nearby support with limited in-person service options.

#7 – Nationwide: Best for Tailored Policies

Pros

• Robust Financial Strength: Nationwide’s high ratings in its finance department assure Kansas City and Kansas investors that it is safe and can pay claims well.
• Reasonable Prices in Kansas City: With our Nationwide auto insurance review, discover affordable Kansas City rates and tailored coverage options.
• Variety of Coverage: In Kansas City, residents can access various auto insurance coverage options.

Cons

• Fewer Discounts: Nationwide offers fewer discounts than some competitors for Kansas drivers.
• Higher Premiums for Young Drivers: In Kansas City, young drivers may face higher insurance premiums with Nationwide.

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#8 – Liberty Mutual: Best for Customized Coverage

Pros

• Highly Customizable Policies: Liberty Mutual attracts Kansas drivers who want customized coverage because it offers options such as new car replacement and accident forgiveness.
• Discounts for Various Lifestyles: Liberty Mutual offers discounts that Kansas drivers can benefit from, including ones for teachers, first responders, and employees of certain businesses.
• Around-the-Clock Claims Service: View our Liberty Mutual auto insurance review to learn about their 24/7 claims service, a valuable resource for Kansas drivers

Cons

• High-Risk Drivers Pay Extra Premiums: The insurers of high-risk drivers in Kansas City may incur more costs than other provider’s insurance.
• Inconsistent Local Service Quality: Some Kansas City drivers have reported varied experiences with Liberty Mutual’s customer support.

#9 – Travelers: Best for Online Tools

Pros

• Economical who Have Limited Driving: Discounts by Travelers provide a great advantage to Kansas City residents with shorter distances at work or those rarely behind the wheel.
• Various Optional Coverages: Travelers offers useful add-ons like gap insurance, which can be a good choice for Kansas residents financing vehicles.
• Strong Claims Handling Reputation: Read more in our Travelers auto insurance review about their strong claims handling reputation, an asset for Kansas drivers.

Cons

• There is Insufficient Local Agents’ Support: Kansas drivers seeking in-person assistance may find few alternatives with Travelers.
• Fewer Bundling Discounts: Travelers offer less extensive bundling discounts for Kansas City drivers than some competitors.

#10 – Amica: Best For Customer Satisfaction

Pros

• Exceptional Customer Service: Amica is known for maintaining high levels of customer satisfaction, which is perfect for drivers in Kansas City who require ample attention.
• Good Options for High-Risk Drivers: Amica provides reasonable rates and robust coverage options even for Kansas City drivers who have had some past incidents.
• Accessible to Access: In our Amica auto insurance review, learn about their straightforward policies, making coverage easy for Kansas City residents to understand.

Cons

• The Most Expensive Option: A driver in Kansas City looking for alternatives to Amica, say Geico or Progressive, may discover that Amica’s rates are generally higher.
• Less Variety in Discounts: Amica may offer fewer discount opportunities than some of the larger insurance providers in Kansas City.

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Top Auto Insurance Options in Kansas City

If you’re looking for the best Kansas City, KS auto insurance, consider Geico, State Farm, or USAA. They are all some of the best insurance companies. First of all, Geico is known for the favorable rates and discounts that it provides to its customers, making it the most suitable option for budget-conscious drivers.

State Farm will succeed in delivering the best products with excellent service for customers demanding peace of mind, exceptional support, and unbroken insurance coverage.

Kansas City, KS Auto Insurance Monthly Rates by Provider & Coverage Level

Lastly, USAA provides its members with the best services and rates available, but only for military families. Depending on your preferences for price, dependability, or focused services, these three providers manage to give good options that make them leading options for the best Kansas City auto insurance in 2024.

Smart Savings on Kansas Auto Insurance

To find the best Kansas City, KS auto insurance possible, one must also understand that finding and utilizing car insurance discounts can help reduce their rates while still enjoying decent coverage.

State Farm, Geico, and USAA are the best options available to consumers. State Farm is known for its broad selection of discounts, including options for multi-policy holders, safe drivers, and good students.

Auto Insurance Discounts From the Top Providers in Kansas City, KS

Geico offers unique discounts, especially for military members, federal employees, and rideshare drivers. These discounts complement more common offers like multi-vehicle and safe driver discounts. USAA is unique relative to other insurers in that it wholly focuses on the military family.

It offers some of the most extensive discounts, such as military, loyalty, and family. Of these three—State Farm, Geico, and USAA—Kansas City auto insurance is the most affordable, with the best service and discounts.

Kansas Auto Insurance Requirements

In Kansas City, KS, drivers must carry a minimum car insurance, including bodily injury, property damage, and uninsured motorist coverage. Liability insurance helps cover costs if you’re at fault in an accident or if an uninsured driver hits you, though it doesn’t cover every situation.

Kansas Minimum Auto Insurance Coverage Requirements & Limits

Enhanced coverage is collision and comprehensive coverage, which many Kansas City drivers buy to protect against harm caused to vehicles in different situations.

Finding the best Kansas City, KS, auto insurance requires evaluating your coverage needs and comparing providers to ensure you get the best value and comprehensive protection.

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Top Factors in Kansas City, KS Auto Insurance

Finding the best Kansas City, KS auto insurance has to offer requires first understanding the factors likely to affect their rates. While some elements will be out of one’s control, some will be reasonable actions that can help influence such discounts and lower premiums. This article outlines the essential components that will help you get cheap rates in Kansas City.

Your ZIP Code

When searching for the best Kansas City auto insurance, your ZIP code determines your rates. The location where you park your car each night can also affect your car insurance premiums, as insurance companies consider the risks associated with different areas.

Kansas City, KS Auto Insurance Monthly Rates by ZIP Code

Generally, car insurance is more affordable in rural areas due to fewer vehicles and a lower chance of accidents. Kansas City estimated 148,483 individuals and an average of 37,789 US dollars per household income. This factor is significant in ensuring one gets the best coverage at the lowest price possible.

Automotive Accidents

When searching for affordable coverage in Kansas City, KS, automobile accidents can change car insurance rates. Areas with heavy traffic and a history of accidents often face higher rates.

For instance, Kansas City had ten fatalities in 2013, which is relatively low compared to other areas, but insurance rates can still be affected by accident statistics.

Kansas City, KS Auto Accident & Insurance Claim Statistics

Insurance companies determine their pricing according to the prevailing accident history within a given area. Areas with high accident rates are likely to attract higher insurance premiums. Learning about all this may help you control costs without sacrificing coverage.

Auto Thefts in Kansas City

The auto theft crime could considerably impact determining the best car insurance for residents and drivers in Kansas City, KS. Regions such as Kansas City include the level of theft risk evaluation in the overall assessment of the premium rates.

Even though theft rates have dropped, they are still relatively high, which could lead to higher rates for persons residing in high-risk zones or people with highly coveted cars.

Kansas City, KS Report Card: Auto Insurance Premiums

Having comprehensive and collision coverage added to your insurance policies is always a good choice to secure your capital investments against losses because of anyone who would steal or cause damage to your properties. This additional coverage is for those seeking insurance solutions in Kansas City.

Your Credit Score

The credit score plays a significant role in evaluating the car insurance premiums for Kansas City, KS residents. Most drivers need to know that a person with bad credit would pay monthly rates two or three times higher than those with good credit.

Kansas City, KS Auto Insurance Monthly Rates by Provider & Credit Score

Insurance companies outside the law believe such people are at higher risk, hence the higher rates. One’s credit history is essential regarding auto cover costs in Kansas City since having a clean credit history helps lower premium rates. For a thorough understanding, refer to our detailed analysis titled “How Your Credit Score Affects Your Car Insurance Premiums.”

Your Age

Your age is essential when seeking the best Kansas City, KS auto insurance. Young drivers, particularly teenagers, are considered high-risk drivers and typically face higher premiums due to inexperience and increased likelihood of accidents. For instance, a 17-year-old could pay significantly more than a 34-year-old for the same coverage.

Kansas City, KS Auto Insurance Rates by Provider & Age

As a new driver, you can use discounts offered for good students or those who have undergone a driving school course to reduce your rates. Even in Kansas City, where coverage is most assured, these are clever ways to reduce premiums.

Your Driving Record

Your driving history is critical in setting your rates for the best Kansas City, KS auto insurance.

The better your record, the more likely you will enjoy lower premiums. On the other hand, traffic violations like speeding tickets or serious offenses, such as DUIs, can significantly drive up your insurance costs.

Kansas City, KS Auto Insurance Monthly Rates by Provider & Driving Record

Insurance providers may often deny or cancel the cover in certain conditions when serious violations appear in one record. It’s one of the best ways to keep a clean driver’s record if you want affordable car insurance in Kansas City. To delve deeper, refer to our in-depth report titled “Car Insurance After A DUI.”

Your Vehicle

The type of vehicle you drive is a determining factor in your auto insurance premiums in Kansas City, Kansas. Most luxury cars attract higher insurance rates than other makes and models because they are expensive to buy, repair, or replace in case of an accident.

Kansas City, KS Auto Insurance Monthly Cost by Make, Model, & Coverage Type

Moreover, high-end car owners are more likely to take out full coverage, raising rates. How can you know if your vehicle impacts your rates for getting the right coverage at the best price in Kansas City? For additional details, explore our comprehensive resource, “The Most Expensive Cars To Insure.”

Minor Factors Affecting Auto Insurance in Kansas City

When deciding on car insurance in Kansas City, KS, unimportant variables such as marital status, level of education, and even driving tendencies can also affect the pricing. Even though these particulars may look trifling, they may weigh on the expenses. Given this, let us see how such little details can enable you to enjoy the best insurance coverage at a relatively lower cost.

Your Marital Status

Marital status influences individual auto insurance rates by only 2-3%. Still, married people have a considerable advantage in saving money since they can easily combine and save on several types of automobile insurance.

Combining car insurance after marriage would enable you to obtain affordable yet the best car insurance coverage in Kansas City, with a broader scope of protection.

Your Gender

Regarding the best Kansas City KS auto insurance, gender typically has little impact on monthly premiums. While some insurers may charge slightly higher rates for women or men, the difference usually ranges from 2-3%. As a result, gender is not a significant factor in determining your best auto insurance coverage options in Kansas City.

Your Driving Distance to Work

When searching for the best Kansas City, KS auto insurance, the distance you drive to work can influence your premiums. While reducing your commute can save you a few dollars, cutting your mileage by 3,000-5,000 miles annually typically lowers your premium by 2-3%.

Remember that insured business vehicles may cost 10-12% more than personal vehicles. Therefore, understanding your commute can help you find the best coverage options at a reasonable price.

Your Coverage and Deductibles

To search for the best auto insurance in Kansas City, one should consider coverage and deductibles since they can significantly lower the monthly premiums. For example, if one agrees to a higher deductible, one can reduce their payments. However, one should have the right amount to pay the deductible if one makes a claim. However, one must balance coverage and deductibles for the best insurance solution.

Education in Kansas City, KS

Your education level can impact your Kansas City, KS auto insurance rates. Drivers with higher education often receive lower premiums, sometimes more than those with high-paying jobs.

With nearly one-third of residents holding a high school diploma or higher, investing in further education, such as programs at Donnelly College or Kansas City Kansas Community College, can help you secure the best Kansas City KS auto insurance at more affordable rates. For detailed information, refer to our comprehensive report titled “Cheap Auto Insurance Rates for Professors with College Degrees.”

Finding the Right Auto Insurance for Kansas City

Suppose you are searching for the best auto insurance in Kansas City, KS. In that case, you will find affordable rates, essential services, and flexible coverage offered by top companies such as State Farm, Geico, and Progressive. Regarding comprehensive coverage with reliable service, State Farm comes out on top.

Geico is one of the most significant insurance companies and provides discounts for money-making drivers. Progressive, on the other hand, enables its customers to configure coverage and add value-laden extras. Thus, both are good, inexpensive companies that will give value and flexibility to any Kansas City driver. For detailed information, refer to our comprehensive report titled “Compare Auto Insurance Companies.”

Enter your ZIP code into our free quote tool to find the best auto insurance providers for your needs and budget.