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Auto Insurance - Kansas City, Missouri
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Auto Insurance - Kansas City, Missouri

With so many companies offering car insurance in Missouri, how do you choose the auto insurance that's best for you? When deciding on an insurance company, there are many factors to consider, such as your personal lifestyle and even your other insurance needs.

The Heart of America, Kansas City has much to offer-from the 200 fountains for which the city is famous to the many museums and performing arts centers. Residents needs automobile transportation to do and see it all, but you also need auto insurance coverage that protects you. Allstate offers a wide variety of auto insurance options for drivers in Kansas City, as well as other products like homeowners insurance and life insurance.

Missouri Auto Insurance Requirements

Missouri law requires people who drive in Missouri to maintain some type of motor vehicle liability insurance. Because of the high number of underinsured individuals who are involved in auto accidents each year, the unpaid damage claims have resulted in higher premium rates for all Missourians.

The chart below outlines details about Missouri-required coverage levels and the most common car insurance coverages.

Coverage Scale
Coverage Missouri Minimum Requirements Most Common**
Missouri Drivers
Bodily Injury Liability 25,000/50,000* 100,000/300,000*
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000* 25,000/50,000*
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 500 deductible
Underinsured Motorist Bodily Injury Not required 50,000/100,000*
*Understanding the table: XX/XX = bodily injury or death of one person in any one accident/bodily injury or death or two or more persons in any one accident.
**Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles by Allstate Insurance Company policyholders in Missouri. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimums.
For more information about Kansas City auto insurance or to get an auto insurance quote, contact your local Allstate agent.

Missouri Auto Insurance Discounts

Once you know the amount of auto insurance coverage you need in Missouri, take a few minutes to learn about the types of auto insurance discounts that might be available to you. Allstate offers discounts for safe drivers, good students, those who carry multiple policies with Allstate, and more. Contact your Allstate agent to learn more.

What's Happening in Kansas CIty

The Kansas City area encompasses 70 different zip codes ranging from 64101 to 64999. Some of the most common claims reported in Kansas City include:

Common Claims
Type of Claim Average Cost per Claim
Watercraft $44,134
Water Damage $5,215
Wind $1,799
Theft (Scheduled Property) $1,254
Medical Payments $1,000
To learn more about the types of insurance claims frequently filed in Kansas City and the surrounding areas, use our Common & Costly Claims tool.

Missouri Graduated Driver Licensing

In Missouri, 250 people lose their lives in car accidents involving teen drivers each year. To help combat teen auto crashes and fatalities, Missouri implemented a Graduated Driver License (GDL) system to educate and train young new drivers.

The following table outlines the GDL requirements and restrictions for Missouri.

Graduated Driver Licensing (GDL)
Insurance Institute for Highway Safety Rating Good
Minimum Entry Age
(Optimal: 16)
15 years
Extended Learner Period
(Optimal: at least 6 months)
6 months
Parent Certification
(Optimal: 30 hours minimal)
40 hours, 10 of which must be at night
Night Restriction
(Optimal: 9 or 10 p.m.)
10:00pm - 5:00am
Passenger Restriction
(Family members excepted unless otherwise noted)
first 6 months-no more than 1 passenger younger than 19; thereafter, no more than 3 passengers younger than 19
Minimum Exit Age
(Optimal: 18)
17 years, 11 months
Allstate wants to help ensure that your teen learns safe driving habits right from the start. That's why we implemented the Allstate Teen Driver program.

Kansas City, Missouri Profile

Allstate Insurance in Kansas City, Missouri In Missouri your auto insurance rates can be influenced by factors such as your age, your driving record, the type of car you drive, and the anti-theft features of your car. When reviewing your insurance needs and policies, you may also want to consider some of the US Census Data that comprises Kansas City's profile:

Some Great Facts About Kansas City
Item Statistic
Median HH Income: $44,113
Education: 29.6% have a Bachelor's degree or higher
Own/Rent 58.2% own their home
Total Population: 459,787 (in 2010)
Number of schools: 31 public schools
Allstate auto insurance offers policies that help protect you so that you and your family can have peace of mind when on the road. To get started, find an agent near you, get a no-obligation auto insurance quote online, or call us at 1-866-621-6900.

City data sourced from U.S. Government websites and

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