866-589-5339
Estimated wait time: < 1 minute
Best Cheap Car Insurance in Kansas City, Missouri
State Farm, Shelter, GEICO, American Family, and USAA offer top-tier auto insurance coverage in Kansas City.
Best Value
Editor's Rating:
4.9/5
4.9/5
Full Coverage Averages in Kansas City
- Annual premium: $1,723
- Monthly premium: $144
Best for Drivers With Low Credit
Editor's Rating:4.9/5
4.9/5
Full Coverage Averages in Kansas City
- Annual premium: $2,524
- Monthly premium: $210
Best for Military/Veterans
Editor's Rating:5/5
5/5
Full Coverage Averages in Kansas City
- Annual premium: $1,152
- Monthly premium: $96
Last updated: July 16, 2026
Key Takeaways: Best Cheap Car Insurance in Kansas City, Missouri
Full coverage car insurance in Kansas City costs an average of $2,695/year, which is more than the state average.
USAA offers the cheapest average rates in Kansas City and is our top pick for drivers affiliated with the military.
State Farm provides the best overall value for most drivers in the city, with an average annual premium of $1,723/year.
Shelter has the strongest customer satisfaction record but is more expensive on average.
Drivers looking to bundle policies should consider American Family, while those with low credit may fare best with GEICO.
Our Top Picks for the Best Cheap Auto Insurance in Kansas City
- Best Value: State Farm
- Best for Military/Veterans: USAA
- Best for Drivers With Low Credit: GEICO
- Best for Customer Satisfaction: Shelter
- Best for Bundling: American Family
Compare the Best Cheap Auto Insurance in Kansas City
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | Central Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $1,723 | $767 | Above average |
| USAA | $1,152 | $410 | Above average |
| GEICO | $2,524 | $1,001 | Above average |
| Shelter | $2,808 | $1,320 | Above average |
| American Family | $2,166 | $966 | Above average |
| Kansas City | $2,695 | $1,116 | – |
Detailed List of the Best Cheap Providers in Kansas City
1. State Farm - Best Value
4.9
Editor's Rating:
- Average Kansas City Rate for Minimum Coverage
- $64 mo.
- Average Kansas City Rate for Full Coverage
- $144 mo.
Competitive rates for many Kansas City drivers- Large network of local agents
- Strong regional customer service
Must complete quotes by phone- No accident forgiveness
Why we chose it
State Farm offers a great balance of affordability, coverage options, and excellent customer support. Many Missouri drivers will find below-average rates from the company, whether they’re looking for full or minimum coverage. Drivers can also take advantage of discounts for safe driving, bundling policies, insuring multiple vehicles, and more.
State Farm ranked second for customer satisfaction in the Central region in J.D. Power’s most recent study and has a wide network of local agents throughout the Kansas City area, making it easy to get personalized assistance when selecting coverage or filing a claim.
Who it’s best for
Drivers looking for a mix of affordable coverage and quality service, those who want to work with a local agent, safe drivers
State Farm Kansas City pricing
| State Farm | Full coverage | Minimum coverage |
| Monthly | $144 | $64 |
| Annually | $1,723 | $767 |
| Difference from Kansas City average | -36% | -31% |
2. USAA - Best for Military/Veterans
5
Editor's Rating:
- Average Kansas City Rate for Minimum Coverage
- $34 mo.
- Average Kansas City Rate for Full Coverage
- $96 mo.
- Cheapest rates in Kansas City for eligible members
- Outstanding customer satisfaction and claims service
- Military-specific coverage and benefits
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
USAA consistently offers competitive rates and excellent customer service to those eligible, which include active duty military members, veterans, and their families. The company tailors its products and services to the unique needs of military households and offers coverage options and discounts for deployments and relocations.
In terms of customer service, USAA earned the highest score in the Central region in J.D. Power’s study, though it’s not technically ranked because of its membership requirements. It also provides a robust digital experience for managing policies and filing claims, earning an above-average rating on J.D. Power’s Digital Experience Study in the service category.1
Who it’s best for
Active-duty military members, veterans, and eligible family members
USAA Kansas City pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $96 | $34 |
| Annually | $1,152 | $410 |
| Difference from Kansas City average | -57% | -26% |
3. GEICO - Best for Drivers With Low Credit
4.9
Editor's Rating:
- Average Kansas City Rate for Minimum Coverage
- $83 mo.
- Average Kansas City Rate for Full Coverage
- $210 mo.
- Competitive average rates for Missouri drivers with poor credit
- Convenient online and mobile policy management
- Wide range of available discounts
- Limited agent presence
- Doesn't underwrite home insurance
Why we chose it
GEICO offers some of the cheapest rates for drivers with low credit in Missouri, which is a demographic who may have a harder time finding affordable coverage since Missouri insurers may consider credit-based insurance scores when determining premiums.
The company also provides a straightforward digital experience, allowing customers to get quotes, buy and manage policies, and file claims through its website or mobile app. Combined with numerous discount opportunities and broad availability, GEICO is a practical option for Kansas City drivers looking to keep insurance costs manageable despite having lower credit.
<strong>DID YOU KNOW?</strong>
Missouri drivers with low credit pay an average of 81 percent more than drivers with excellent credit.
Who it’s best for
Drivers with bad credit, those who prefer to purchase a policy online, policyholders who value intuitive digital tools
GEICO Kansas City pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $210 | $83 |
| Annually | $2,524 | $1,001 |
| Difference from Kansas City average | -6% | -10% |
4. Shelter - Best for Customer Satisfaction
4.2
Editor's Rating:
- Average Kansas City Rate for Minimum Coverage
- $110 mo.
- Average Kansas City Rate for Full Coverage
- $234 mo.
- Ranked first for regional customer satisfaction, according to J.D. Power
- Local agents with knowledge of Missouri drivers' needs
- Offers new car replacement
- Limited states
- Agent-only
- Modest digital tools
Why we chose it
Shelter has a long-standing reputation for excellent customer service, which is reflected in its industry ratings. It earned the highest score in J.D. Power’s 2026 Auto Insurance Study in the Central region, which includes Missouri, for a sixth consecutive year. In addition, it receives fewer customer complaints than average, according to the NAIC.
Shelter’s rates are more expensive than average for adult drivers, but it may be worth considering for drivers who don’t mind paying more for top-tier service. However, it has competitive rates for teens. The company also offers several useful add-on coverages, including gap insurance, new car replacement, and loss of use coverage.
Who it’s best for
Drivers who value exceptional customer service, families with teen drivers, those with new vehicles
Shelter Kansas City pricing
| Shelter | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $234 | $110 |
| Annually | $2,808 | $1,320 |
| Difference from Kansas City average | +4% | -18% |
5. American Family - Best for Bundling
4.4
Editor's Rating:
- Average Kansas City Rate for Minimum Coverage
- $81 mo.
- Average Kansas City Rate for Full Coverage
- $181 mo.
- Strong multi-policy discounts
- Offers a wide range of insurance products
- Helpful local agent support
- Limited to select states
- Agent-dependent experience
Why we chose it
American Family is our top choice for bundling because it offers significant bundling discounts to customers who combine auto insurance with homeowners insurance — up to 40 percent, which is one of the highest discounts available from any insurer. Those who bundle auto with other policies like renters or life insurance can also save, though the discount is smaller.
The company also offers two telematics programs to help drivers save further. DriveMyWay rewards safe driving with a discount of up to 35 percent, which is also on the high end of available telematics discounts. Meanwhile, MilesMyWay provides savings for driving less than average (about 8,000 miles annually), so low-mileage drivers will benefit from this program.
Who it’s best for
Homeowners bundling auto and home insurance, families with multiple insurance needs, low-mileage drivers
American Family Kansas City pricing
| American Family | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $181 | $81 |
| Annually | $2,166 | $966 |
| Difference from Kansas City average | -20% | -13% |
Kansas City Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Central2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| State Farm | 659 | D+ | 716 | 1.80 |
| USAA | 708 | C- | 741 | 3.00 |
| GEICO | 644 | C- | 697 | 1.67 |
| Shelter | 674 | B- | Not rated | 0.84 |
| American Family | 642 | C+ | 702 | 0.95 |
| Average | 640 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Cheapest Full Coverage Car Insurance in Kansas City
USAA has the cheapest full coverage rates in Kansas City at $1,152 per year, but it’s only available to military-affiliated drivers. Progressive and State Farm offer the next-cheapest rates at $1,650 and $1,723 per year, respectively.
| Company | Annual Kansas City Average | Monthly Kansas City Average |
|---|---|---|
| USAA | $1,152 | $96 |
| Progressive | $1,650 | $138 |
| State Farm | $1,723 | $144 |
| American Family | $2,166 | $181 |
| GEICO | $2,524 | $210 |
| Travelers | $2,571 | $214 |
| Allstate | $2,586 | $216 |
| Auto-Owners | $2,602 | $217 |
| Nationwide | $2,631 | $219 |
| Shelter | $2,808 | $234 |
| Kansas City average | $2,695 | $192 |
| Missouri average | $2,458 | $205 |
| U.S. average | $2,356 | $196 |
Cheapest Minimum Coverage Car Insurance in Kansas City
USAA also offers the cheapest minimum coverage rates in Kansas City. Non-military drivers can find the best rates, on average, from Progressive and State Farm, which both have average annual premiums several hundred dollars below the city average.
| Company | Annual Kansas City Average | Monthly Kansas City Average |
|---|---|---|
| USAA | $410 | $34 |
| Progressive | $732 | $61 |
| State Farm | $767 | $64 |
| American Family | $966 | $81 |
| GEICO | $1,001 | $83 |
| Allstate | $1,028 | $86 |
| Travelers | $1,210 | $101 |
| Auto-Owners | $1,213 | $101 |
| Shelter | $1,320 | $110 |
| Kansas City average | $1,116 | $93 |
| Missouri average | $775 | $65 |
| U.S. average | $722 | $60 |
How many car accidents happen in Kansas City?
In 2024, the Missouri Department of Transportation recorded 96 traffic fatalities in Kansas City, 19 of whom were pedestrians.6 In 2023, the most recent year for which the Missouri State Highway Patrol has compiled municipal data on all crashes, there were over 15,000 car accidents in Kansas City.7 Of those, 84 were fatal, around 5,000 involved injuries, and over 10,000 involved only property damage.
Minimum Auto Insurance Requirements in Missouri
Missouri drivers are required by law to carry auto insurance with at least the following limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident
These minimum coverage limits are in line with most other states, but they may not offer enough coverage if you’re in a serious accident. It’s a good idea to get limits of at least 100/300/100 if you can afford to. In addition, minimum coverage does not cover damage to your own car, so you’ll need full coverage if that’s important to you.
Frequently Asked Questions
USAA has the cheapest car insurance in Missouri, but it is only available to active duty military, veterans, and their families. Travelers has the next-cheapest full coverage rates, while Farm Bureau has the next-cheapest minimum coverage rates.
USAA has the cheapest car insurance in Kansas for military-affiliated drivers. Most other drivers will find the cheapest average rates from Travelers for full coverage and GEICO for minimum coverage.
In Missouri, Progressive is slightly cheaper than GEICO for both full and minimum coverage. However, their average rates are close enough that it’s worth getting a quote from both, as you may get a cheaper rate from GEICO depending on your driving profile and other factors.
One of the best ways to save money on car insurance is to compare quotes from multiple insurers, since rates can vary widely for the same driver. You may also qualify for discounts by bundling policies, maintaining a clean driving record, insuring multiple vehicles, or enrolling in a usage-based insurance program. Choosing a higher deductible can lower your premium, but be sure you can afford the out-of-pocket cost if you need to file a claim. Reviewing your coverage regularly can also help ensure you’re not paying for coverage you no longer need.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four main factors:
- Price (40%): We analyzed average full coverage and minimum coverage premiums in Kansas City, Missouri, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): Customers expect insurers to handle claims and payouts quickly and fairly. We evaluate claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings.
- Customer Experience (25%): We consider the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We also take into account the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We consider each company’s coverage offerings and prioritize providers with options beyond the state-required minimums, like gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Sources
Insurance Websites and Apps Miss Opportunities to Build Customer Engagement, JD Power Finds. JD Power. (2026, May 13).
https://www.jdpower.com/business/press-releases/2026-us-insurance-digital-experience-studyAuto Insurers Struggle to Maintain Seamless Interactions Across Channels, JD Power Finds. JD Power. (2026, Jun 09).
https://www.jdpower.com/business/press-releases/2026-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 27).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmTraffic Crash and Highway Safety Dashboards. Missouri Coalition for Roadway Safety (MCRS). (2026).
https://www.savemolives.com/mcrs/dashboardsMissouri Traffic Safety Compendium, Municipal Crash Analysis, 17.1. Missouri State Highway Patrol.
https://www.mshp.dps.missouri.gov/MSHPWeb/SAC/Compendium/TrafficCompendium.html#
Related Articles
Best Auto Insurance in Missouri of 2026
July 16, 2026
Compare Cheap Auto Insurance in Kansas
April 7, 2026
Best Auto Insurance in Kansas of 2026
March 20, 2026