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How much is car insurance in Kansas City?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Kansas City | $66 |
| KS | $57 |
| United States | $81 |
Car insurance policies in Kansas City are about $9 a month more expensive than the rest of Kansas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Kansas City is rather affordable. It's about $15 cheaper than the national average to insure your vehicle in Kansas City.
While these are the average car insurance rates for Kansas City, keep in mind that you could end up paying a different amount. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Kansas City to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $116 |
| 25-34 | $63 |
| 35-44 | $58 |
| 45-54 | Not Enough Data |
| 55-64 | $48 |
| 65+ | $47 |
It makes sense that the older you are, the more experience you have driving, right? That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Kansas City drivers may see their rates climb back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $66 |
| Female | $66 |
On average, female drivers pay slightly less than male drivers for car insurance. In Kansas City, however, male and female drivers both pay about the same rate to insure their vehicle.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $91 |
| Multiple Accidents | $78 |
| 1 Ticket | $82 |
| Multiple Tickets | $73 |
Your driving record can have a huge impact on your car insurance rates. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Kansas City with a single accident will pay around $91 a month. Likewise, drivers with one ticket will be looking at a rate of around $82 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $59 |
| 2-3 Years | $42 |
| 4-5 Years | $82 |
| 6-7 Years | $68 |
| 8-10 Years | $71 |
| 11-14 Years | $71 |
| 15 Years or Older | $61 |
The cheapest vehicles to insure in Kansas City are usually trucks and vans, with each type typically costing about $55 per month.
Car owners can expect to pay an average of around $69 a month for their policy, while SUVs usually cost around $62 a month to insure.
Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Kansas City, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $70 |
| Married | $57 |
| Divorced | $47 |
| Widowed | $46 |
More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Kansas City reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $13 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $52 |
| Rent | $68 |
| Live with parents | $85 |
Another factor that comes into play is your housing status. Renters can expect to pay around $16 a month more than homeowners in Kansas City. Those who live with their parents, however, can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average premiums.
Car Insurance Companies in Kansas City, KS
Recent trends in car insurance for Kansas City drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
In Kansas City, the rates for car insurance decreased from 2017-2019, before rising from 2020-2021. They finished down in 2022 at $53.
How does Kansas City compare to neighboring areas?
Why are car insurance rates in Kansas City different from other areas?
Car insurance companies will take into account a number of factors when figuring out how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Regional crime rates
- Road Safety (total number of local car accidents)
- Total amount of drivers in the area
- Off-street parking access
- Local regulations
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Kansas City?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Kansas City.
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Kansas City Insurance FAQs
What factors affect car insurance quotes in Kansas City?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Kansas City different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Kansas City?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Kansas City?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Kansas City or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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