hadi nurseha // ShutterstockCar insurance rates in Kansas City October 2025The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. – USAA offers the cheapest rates for full coverage insurance in Kansas City at $94 per month. Read on to learn more about car insurance price trends in Kansas City. Cheapest liability insurance in Kansas CityFor drivers looking to meet Kansas City minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Encompass: $177Impact of traffic violations on Kansas City auto insurance ratesIn Kansas City, your car insurance premiums can rise significantly due to traffic violations.