For a 40-year-old driver with a clean record, car insurance in Kansas City, KS, averages about $256 a month ($3,076 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 15% over Kansas’ average of $222 a month. Among insurers anyone can buy from, Travelers has the lowest full-coverage average in our Kansas City table, about $185 a month, effectively tied with GEICO’s $191.
Kansas City, Kansas, costs more than most of the state for our benchmark driver: about $34 a month more than the Kansas average. It’s the most expensive of the eight Kansas cities with three or more ZIP codes in our data, and of the 74 Kansas cities and towns we price, only Dodge City, Ulysses and Garden City, all in southwest Kansas, cost more.
Prices also vary more by ZIP code here than in any other Kansas city we publish a guide for, so check yours before you compare car insurance quotes in Kansas City, KS: across the eight ZIP codes with a Kansas City mailing address in our data, full coverage runs from about $230 a month in 66109 to $273 in 66101 and 66102. Census Bureau maps show that 66105, 66115, 66118 and 66160 also serve the city; our figures don’t include those four ZIP codes.
Cost data comes from the auto rates insurers file with state regulators, priced across all eight Kansas City ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Car insurance in Kansas City, KS, costs about $256 a month ($3,076 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $922 a year ($77 a month), and 50/100/50 liability with comprehensive and collision averages $2,981 ($248 a month).
The statewide Kansas rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the nine, all five published in 2026, put it first, apart from USAA, which sells only to military families. Two of the others put GEICO first, one State Farm and one Nationwide. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among these six insurers, at about $42 a month, followed by Farm Bureau Financial Services at $56.
Full-coverage averages by insurer in Kansas City
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $505 | $42 | $2,391 | $199 |
| State Farm | $715 | $60 | $2,565 | $214 |
| American Family | $1,048 | $87 | $2,621 | $218 |
| Farmers | $1,054 | $88 | $2,977 | $248 |
| Farm Bureau Financial Services | $667 | $56 | $3,149 | $262 |
| Allstate | $1,542 | $129 | $4,757 | $396 |
| USAA (military families)* | $576 | $48 | $1,646 | $137 |
| Travelers* | $867 | $72 | $2,218 | $185 |
| GEICO* | $688 | $57 | $2,286 | $191 |
| Shelter Insurance* | $1,328 | $111 | $2,960 | $247 |
| Kansas City average | $922 | $77 | $3,076 | $256 |
This table uses Kansas City ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the eight Kansas City ZIP codes we price, full coverage for our driver ranges from about $230 a month in 66109 to $273 in 66101 and 66102, a gap of $519 a year. The priciest of the eight Kansas City ZIP codes we price are in and near downtown: 66101, within a mile of downtown, 66102, about two miles west, and 66104 ($271), about three miles northwest. The least expensive of the eight Kansas City ZIP codes we price are on the west side: 66109, about 10 miles west of downtown, and 66111, about nine miles west, at $241.
Lowest-priced Kansas City ZIP codes
Highest-priced Kansas City ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Kansas City’s average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 66101 | $953 | $79 | $3,270 | $273 | +7% |
| 66102 | $967 | $81 | $3,280 | $273 | +7% |
| 66103 | $926 | $77 | $2,993 | $249 | -3% |
| 66104 | $947 | $79 | $3,248 | $271 | +6% |
| 66106 | $924 | $77 | $2,998 | $250 | -2% |
| 66109 | $824 | $69 | $2,761 | $230 | -10% |
| 66111 | $895 | $75 | $2,897 | $241 | -6% |
| 66112 | $939 | $78 | $3,165 | $264 | +3% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $95 a year on average in our Kansas City data, with the same $500 deductibles. That’s about $8 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
For our benchmark driver, full coverage isn’t going up. Comparing the five insurers that are in both sets of rates, in the same Kansas City ZIP codes, their full-coverage average fell from $2,960 a year nine months earlier to $2,740 in rates as of Aug. 31, 2026, a 7.4% drop. American Family cut its Kansas City average 27.6% and State Farm 8.3%, while Farmers raised its average 4.8%; Farm Bureau Financial Services’ and Progressive’s averages were unchanged. Allstate is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Kansas City average above. Liability-only coverage at 25/50/10 limits rose 4.2%, led by Farmers, which raised its liability-only average 19.9%.
Wyandotte County, which includes Kansas City and Bonner Springs, averages about $251 a month for full coverage, the fifth-most expensive of the 41 Kansas counties we price and the most expensive outside southwest Kansas.
Johnson County, next door to the south, averages $209, and Overland Park, its largest city, averages $211, about $45 a month less than Kansas City for the same driver and car. Bonner Springs, about 14 miles west in Wyandotte County, averages $208. Insurer prices vary widely too: Allstate averages about $396 a month here, about twice Progressive’s $199.
More Kansas cities and towns are in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
Shawnee, about eight miles southwest, averages $210 a month, and Overland Park, about nine miles south, $211. Leavenworth, about 20 miles northwest, averages $218, and Lawrence, about 35 miles west, $201. For the Missouri side, see our Kansas City, Missouri, car insurance guide.
Drivers in Kansas City follow Kansas’ rules. Every Kansas policy must include at least:
Our guide to Kansas car insurance requirements covers the no-fault rules, proof of insurance and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Kansas law and the Kansas Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Kansas City, KS, costs about $256 a month ($3,076 a year) for full coverage and $77 a month for liability only at 25/50/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 15% above the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Kansas City table, at about $185 a month, effectively tied with GEICO at $191. USAA, which sells only to military families, is lower still, at about $137 a month. Among the six major insurers we compared, Progressive has the lowest full-coverage average, at about $199 a month, with State Farm close behind at $214. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among the six major insurers we compared, at about $42 a month. Five of the nine statewide Kansas rate studies we reviewed, all five published in 2026, rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Kansas City, Missouri, for our benchmark driver. Full coverage averages about $256 a month across the eight Kansas City, Kansas, ZIP codes in our data and about $226 across the 34 Kansas City, Missouri, ZIP codes in our Missouri data, a difference of about $30 a month. Each average uses the six major insurers we compared in that state; Progressive, priced in both, averages about $199 a month in Kansas City, Kansas, and $203 in Kansas City, Missouri.
In our data, 66109 has the lowest full-coverage average in Kansas City, at about $230 a month, and 66101 and 66102 the highest, at about $273. The ZIP code table on this page lists all eight.
In our Kansas City data, full coverage (100/300/100 with $500 deductibles) averages about $256 a month and liability-only coverage at 25/50/10 limits about $77, a difference of about $179 a month ($2,154 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Kansas law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past nine months), their Kansas City full-coverage average fell 7.4%, from about $2,960 to $2,740 a year. That’s lower than the Kansas City average of $3,076 because it leaves out Allstate. American Family cut its Kansas City average 27.6% and State Farm 8.3%, while Farmers raised its average 4.8%. Liability-only coverage at 25/50/10 limits rose 4.2%.
For our benchmark driver, full coverage in Kansas City averages about $256 a month. Nearby, Shawnee averages about $210, Prairie Village about $212 and Overland Park about $211. Shawnee, Prairie Village and Overland Park are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
