For a 40-year-old driver with a clean record, Kansas City car insurance averages about $226 a month ($2,716 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 11% above the Missouri average of $203 a month. Shelter has the lowest full-coverage average among the five major insurers we compared (American Family, GEICO, Progressive, Safeco and Shelter), at about $171 a month.
Kansas City costs more than most of Missouri for our benchmark driver: about $23 a month more than the state average, though about $16 a month less than St. Louis. Living on the Kansas side? See our Kansas City, KS guide.
Our data covers 34 ZIP codes with a Kansas City, Missouri, mailing address, and prices vary widely across them, from about $195 a month in 64154 to $279 in 64124.
Cost data comes from the auto rates insurers file with state regulators, priced across all 34 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.
How Much Is Car Insurance in Kansas City, MO?
Full coverage in Kansas City averages $2,716 a year, or about $226 a month, 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 $2,795 ($233 a month).
- Full coverage (100/300/100, $500 deductibles): $2,716 a year ($226 a month)
- 50/100/50 with $500 deductibles: $2,795 a year ($233 a month)
- Liability only (25/50/10): $922 a year ($77 a month)
- Jackson County: $2,685 a year ($224 a month) for full coverage
- Missouri average: $2,431 a year ($203 a month) for full coverage
- ZIP code range: $195 (64154) to $279 (64124) a month for full coverage
Cheap Car Insurance in Kansas City: Companies Compared
- Lowest average among the five major insurers we compared, full coverage: Shelter, at about $171 a month ($2,049 a year).
- Next lowest: Progressive, at about $203 a month, then Safeco at $218.
- Lowest liability-only average among these five insurers (25/50/10): Progressive, at about $55 a month, then Shelter at $58.
- State Farm (Nov. 2025 rates)*: about $274 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $115 a month, Travelers at $162, Missouri Farm Bureau at $234 and Nationwide at $246 (USAA sells only to military families).
- Most expensive in our data: American Family, at about $306 a month, $1,628 a year more than Shelter for the same driver and car.
Shelter has the lowest full-coverage average among the five insurers in our Kansas City rate data. The recent published statewide Missouri rate studies we reviewed most often rank Travelers cheapest for full coverage: four of the six put it first, one ranks Shelter and one Nationwide, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among these five insurers, at about $55 a month, with Shelter close behind at $58.
Full-coverage averages by insurer in Kansas City
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
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): |
|---|---|---|---|---|
| Shelter | $701 | $58 | $2,049 | $171 |
| Progressive | $657 | $55 | $2,434 | $203 |
| Safeco | $1,070 | $89 | $2,619 | $218 |
| GEICO | $921 | $77 | $2,801 | $233 |
| American Family | $1,259 | $105 | $3,677 | $306 |
| State Farm (Nov. 2025 rates)* | $1,051 | $88 | $3,288 | $274 |
| USAA (military families)* | $409 | $34 | $1,378 | $115 |
| Travelers* | $716 | $60 | $1,947 | $162 |
| Missouri Farm Bureau* | $656 | $55 | $2,805 | $234 |
| Nationwide* | $1,432 | $119 | $2,955 | $246 |
| Kansas City average | $922 | $77 | $2,716 | $226 |
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 free car insurance quotes before you buy.
Kansas City Car Insurance Rates by ZIP Code
Across the 34 Kansas City ZIP codes we price, full coverage for our driver ranges from about $195 a month in 64154 to $279 in 64124, a gap of $1,009 a year. Northland ZIP codes north of the Missouri River, such as 64154, 64156 and 64157, are the least expensive in our data, and east-side ZIP codes such as 64124, 64127 and 64128 are the most expensive.
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: |
|---|---|---|---|---|---|
| 64105 | $882 | $74 | $2,748 | $229 | +1% |
| 64106 | $967 | $81 | $2,961 | $247 | +9% |
| 64108 | $948 | $79 | $2,825 | $235 | +4% |
| 64109 | $1,080 | $90 | $3,129 | $261 | +15% |
| 64110 | $970 | $81 | $2,869 | $239 | +6% |
| 64111 | $926 | $77 | $2,774 | $231 | +2% |
| 64112 | $869 | $72 | $2,592 | $216 | -4% |
| 64113 | $861 | $72 | $2,528 | $211 | -7% |
| 64114 | $868 | $72 | $2,480 | $207 | -8% |
| 64116 | $849 | $71 | $2,530 | $211 | -7% |
| 64117 | $807 | $67 | $2,427 | $202 | -11% |
| 64118 | $805 | $67 | $2,376 | $198 | -12% |
| 64119 | $802 | $67 | $2,389 | $199 | -12% |
| 64123 | $1,092 | $91 | $3,153 | $263 | +16% |
| 64124 | $1,139 | $95 | $3,349 | $279 | +23% |
| 64126 | $1,039 | $87 | $2,980 | $248 | +10% |
| 64127 | $1,135 | $95 | $3,312 | $276 | +22% |
| 64128 | $1,142 | $95 | $3,284 | $274 | +21% |
| 64129 | $997 | $83 | $2,884 | $240 | +6% |
| 64130 | $1,095 | $91 | $3,097 | $258 | +14% |
| 64131 | $936 | $78 | $2,642 | $220 | -3% |
| 64132 | $1,161 | $97 | $3,200 | $267 | +18% |
| 64133 | $963 | $80 | $2,712 | $226 | About average |
| 64134 | $959 | $80 | $2,740 | $228 | +1% |
| 64137 | $964 | $80 | $2,666 | $222 | -2% |
| 64138 | $944 | $79 | $2,657 | $221 | -2% |
| 64151 | $761 | $63 | $2,381 | $198 | -12% |
| 64152 | $752 | $63 | $2,436 | $203 | -10% |
| 64153 | $760 | $63 | $2,387 | $199 | -12% |
| 64154 | $750 | $63 | $2,340 | $195 | -14% |
| 64155 | $781 | $65 | $2,389 | $199 | -12% |
| 64156 | $763 | $64 | $2,372 | $198 | -12% |
| 64157 | $771 | $64 | $2,362 | $197 | -13% |
| 64158 | $798 | $67 | $2,379 | $198 | -12% |
Your ZIP code matters
Does Better Coverage Cost More in Kansas City?
Full coverage at 100/300/100 limits costs less on average than 50/100/50 in our Kansas City data: $2,716 a year compared with $2,795, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. American Family, Safeco and Shelter charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Kansas City?
Not for our benchmark driver. Comparing the four insurers that are in both sets of rates, in the same Kansas City ZIP codes, their full-coverage average fell from $3,432 a year nine months earlier to $2,741 in rates as of Aug. 31, 2026, a 20.1% drop. American Family’s Kansas City average fell 30.7%, Progressive’s 28.1% and Shelter’s 9.6%, but GEICO’s rose 1.0%. Safeco 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. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/10 limits fell 8.3%, led by American Family, which cut its liability-only average 17.8%.
Why Does Car Insurance Cost More in Kansas City?
Jackson County averages about $224 a month for full coverage, the second-most expensive of the 79 Missouri counties we price, after St. Louis City.
The eastern suburbs cost less than the city: Independence averages about $215 a month, Blue Springs $194 and Lee’s Summit $192. Where your car is garaged is one of the factors Missouri insurers use, so neighboring cities can be priced differently.
How Kansas City Car Insurance Compares With Other Missouri Cities
More Missouri cities and towns are in the Missouri rates by city table, and you can compare states on our car insurance rates by state page.
Independence, just east, averages $215 a month, and St. Joseph, about 50 miles north, $192. Columbia averages $177.
What Car Insurance Is Required in Kansas City?
Drivers in Kansas City follow Missouri’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Uninsured motorist coverage of $25,000 per person and $50,000 per crash
Our Missouri requirements guide covers the details and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Kansas City
- Compare Shelter and Progressive first. They have the two lowest full-coverage averages among the five major insurers we compared in Kansas City, about $171 and $203 a month.
- Quote several insurers. Among the five major insurers we compared in Kansas City, the lowest and highest averages are about $135 a month apart for the same driver and car.
- Consider underinsured motorist coverage. Missouri requires uninsured motorist coverage, but underinsured coverage is optional, according to the Department of Commerce and Insurance. It pays when the driver who injures you has too little insurance.
- Compare at every renewal. Over the past nine months, American Family has cut its Kansas City average 30.7%, Progressive 28.1% and Shelter 9.6%, while GEICO has raised its average 1.0%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Kansas City, then compare free home insurance quotes.
Ready to compare
How We Calculated Kansas City Car Insurance Rates
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.
- Sample: 170 full-coverage premiums from five insurers across 34 Kansas City ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/10 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Missouri’s minimum has been 25/50/25 since July 1, 2019, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Safeco isn’t in the November 2025 rates and State Farm isn’t in the August 2026 rates, so they’re left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Missouri rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Missouri law and the Missouri Department of Commerce and Insurance. We refresh these figures when new rate data is released.
Kansas City Car Insurance FAQ
For our benchmark driver, full coverage in Kansas City averages about $226 a month ($2,716 a year) and liability-only coverage at 25/50/10 limits about $77 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 11% above the Missouri average of $203 a month.
Shelter has the lowest full-coverage average in our Kansas City rate data, at about $171 a month, followed by Progressive at $203. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among the five major insurers we compared, at about $55 a month. Four of the six recent published statewide Missouri rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Kansas City full coverage averages about $226 a month, 11% above the Missouri average. Jackson County is the second-most expensive county we price, and prices are highest on the east side, at about $279 a month in 64124.
In our data, 64154 has the lowest full-coverage average in Kansas City, at about $195 a month, and 64124 the highest, at about $279. The ZIP code table on this page lists all 34.
In our Kansas City data, full coverage (100/300/100 with $500 deductibles) averages about $226 a month and liability-only coverage at 25/50/10 limits about $77, a difference of about $149 a month ($1,794 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Missouri law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the four insurers in both sets of rates (Safeco is new over the past nine months), their Kansas City full-coverage average fell 20.1%, from about $3,432 to $2,741 a year. That’s higher than the Kansas City average of $2,716 because it leaves out Safeco. American Family cut its Kansas City average 30.7%, Progressive 28.1% and Shelter 9.6%, while GEICO raised its average 1.0%. Liability-only coverage at 25/50/10 limits fell 8.3%.
For our benchmark driver, full coverage in Kansas City averages about $226 a month. Nearby, Independence averages about $215, Lee’s Summit about $192 and Blue Springs about $194. Independence, Lee’s Summit and Blue Springs are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
