Cheap Car Insurance Kansas City MO tend to pay $370 more for auto insurance premium than the rest of the state ( Kansas ). Average car insurance in Kansas City can cost around $1,674 per year, while average car insurance rate for Kansas is $1,236. In Kansas City itself, the difference between the cheapest ( Grange Car Insurance - $780 ) and the most expensive car insurance company ( Kemper Specialty - 2,560 ) is over $1780 a year. We have compared car insurance quotes from multiple companies in Kansas City to determine which insurance company offer the cheapest car insurance rates and which has the most expensive quotes. Based on our data Grange Insurance, GEICO and Progressive car Insurance offer the cheapest auto insurance rates in Kansas City. These three low cost car insurance companies are almost 51% lower than average car insurance rates in Kansas City.