Car Insurance in Kansas City
Numbers refreshed
Missouri averages shape car insurance rates in Kansas City, along with local driving habits.
- $122Missouri average each month for full coverage.
- 25/50/25.The state's minimum limits.
What it costs drivers around Kansas City
Full coverage in Missouri averages $1,462 a year, while the legal minimum averages $669. In a big city, prices tend to run higher than the state average, with more traffic, more claims and more theft.
| Coverage in Missouri | Per year | Per month |
|---|---|---|
| Liability | $669 | $56 |
| Collision | $431 | $36 |
| Comprehensive | $362 | $30 |
| Full coverage (all three) | $1,462 | $122 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Kansas City driving
| Census figure | Kansas City |
|---|---|
| People | 510,612 |
| Average trip to work | 22 minutes |
| Drive to work alone | 70% |
| Homes with no car | 9% |
| Median household income | $69,166 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
Your personal estimate
Using the Missouri calculator, your price comes from your age, record and car. State rules are on Missouri car insurance requirements.
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