Car Insurance in Kansas City, MO

Protect your vehicle and its passengers with quality car insurance in Kansas City.

Compare, shop and customize quotes from top-rated insurance carriers.

Driving Around Kansas City

The growing metropolitan area of Kansas City seems like it was made for driving. Whether you're taking in the local art scene, marveling at the plethora of beautiful fountains, learning about the local history or checking out one of the world-famous barbecue joints, Kansas City has no shortage of options to keep you motoring around town. There are additional alternatives available for those who would rather not drive, including buses, street cars and 1,000 miles of planned bike lanes to be installed over the next two decades.

Car Insurance Cost Factors

Although Kansas City is home to over a half million people, its low population density, well-maintained roads and widely dispersed areas of employment result in low commute times. In fact, Kansas City is believed to be the second least-congested big city in the U.S., and its average commute time of under 23 minutes ranks among the lowest in the country.

Despite the easy driving conditions, weather problems in Kansas City can cause some serious driving hazards. The state of Missouri is ranked third in the country in natural disasters, with 51 climate disasters occurring over the last decade at a cost of around $15 billion. This propensity for climate-related disasters definitely has a bit of an impact on rates for car insurance in Kansas City. VIU by HUB can assist in finding the best rate by enabling cost comparisons of local providers.

Kansas City insurance rates are also impacted by the area's accident rates. The Missouri Department of Transportation reports that the area has shown an annual increase in fatal car accidents over the last few years. Of the 1,045 traffic-related deaths in the state of Missouri in 2022, 17% occurred in the Kansas City area. Despite the city's low traffic congestion, aggressive, impaired and distracted drivers are responsible for significant hazards on the roadways.

Kansas City Car Insurance Costs

Drivers in Kansas City can expect to pay approximately $194 for liability insurance and $325 for full coverage on a monthly basis. This is a bit higher than the state average of $175 per month. The average car insurance rates for the state of Missouri are very comparable to the national average.

Kansas City Car Insurance Requirements

Missouri state law requires that vehicle owners and drivers carry liability insurance coverage. They must show proof of insurance during vehicle registration and license plate renewal processes.

Liability Coverage Requirements

Minimum levels of coverage required by the state include the following:

$25,000 bodily injury coverage per person
$25,000 property coverage per accident
$50,000 bodily injury coverage per accident

Uninsured Motorist Coverage Requirements

Requirements for uninsured motorist coverage include the following:

$25,000 bodily injury coverage per person
$50,000 bodily injury coverage per accident

Typical Car Insurance Coverage

The right car insurance policy can provide you the peace of mind of knowing that your vehicle and its occupants are protected. A basic policy provides coverage in the following areas:

Liability: covers your financial responsibility for injuries or damage you cause to others
Medical: covers the cost of medical expenses related to treatment of injuries, rehabilitation and/or costs due to lost wages or funerals
Property: covers the cost of damage to or theft of your vehicle

Find Car Insurance in Kansas City

If you are concerned about finding affordable car insurance in Kansas City, there is no need to worry. At VIU by HUB, we can assist in your search for a quality policy at competitive prices. Our advanced tools allow you to compare quotes from a variety of reputable insurance agencies in the Kansas City area so you can find a policy that meets your needs.