Cheap Car Insurance in Kansas City, Missouri (With 2024 Rates)
Lowest Premium
$246 / YEAR
Average Premium
$590 / YEAR
Highest Premium
$1043 / YEAR
The average annual premium in Kansas City is around $590 and can go upto $1043. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.
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Car Insurance Rates in Kansas City by ZIP codes
The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Kansas City. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.
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Zip | Avg. Premium |
---|---|
64101 | $652 |
64105 | $603 |
64106 | $614 |
64108 | $588 |
64109 | $664 |
64110 | $627 |
64111 | $583 |
64112 | $557 |
64113 | $555 |
64116 | $518 |
64117 | $522 |
64118 | $512 |
64119 | $503 |
64120 | $616 |
64123 | $604 |
64124 | $609 |
64125 | $642 |
64126 | $640 |
64128 | $660 |
64131 | $581 |
64132 | $662 |
64134 | $570 |
64136 | $550 |
64138 | $562 |
64139 | $546 |
64145 | $540 |
64146 | $542 |
64147 | $558 |
64149 | $567 |
64151 | $495 |
64152 | $498 |
64153 | $496 |
64154 | $488 |
64155 | $484 |
64158 | $491 |
64161 | $513 |
64163 | $478 |
64165 | $506 |
64166 | $485 |
64167 | $483 |
64188 | $587 |
66110 | $617 |
66160 | $611 |
Insurance Agents in Kansas City, MO and Near by
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0.52 miWalnut Risk Management1111 Main St Ste 600, Kansas City, MO 64105(816) 735-9043
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0.52 miThomas McGee920 Main St Ste 1700, Kansas City, MO 64105(816) 842-4800
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1.54 miTony Guy1100 Walnut St Ste 130, Kansas City, MO 64106(816) 221-9066
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1.58 miMetro Express Insurance Agency3041 Main St, Kansas City, MO 64108(816) 833-7722
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1.58 miSteven Whittlesey380 W 22nd St Apt 203, Kansas City, MO 64108(317) 850-3692
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1.58 miMurphy Insurance Agency1601 E 18th St Ste 320f, Kansas City, MO 64108(913) 927-3495
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1.72 miR&S Tax Services and Insurance44 S 7th St, Kansas City, KS 66101(913) 766-1590
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1.72 miJohn Amaro630 Minnesota Ave Ste 105, Kansas City, KS 66101(913) 871-5103
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1.72 miTom Rich Insurance1057 Minnesota Ave, Kansas City, KS 66101(913) 281-0808
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10.06 miKelly Benbow Insurance Agency221 E Gregory Blvd Ste B, Kansas City, MO 64114(816) 333-3611
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10.06 miCraig Kenton7422 Wornall Rd, Kansas City, MO 64114(816) 942-3395
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10.06 miKeith Stanfield7422 Wornall Rd, Kansas City, MO 64114(816) 363-2011
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10.06 miLarry Smith7447 Broadway, Kansas City, MO 64114(816) 523-3138
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10.06 miA-1 Insurance Sales7823 Wornall Rd, Kansas City, MO 64114(816) 363-2265
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10.06 miBrady Crawford8080 Ward Pkwy Ste 100, Kansas City, MO 64114(816) 333-5853
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10.06 miClint Cole Agency8301 State Line Rd Ste 112, Kansas City, MO 64114(816) 444-7468
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10.06 miCarpenter & Company8301 State Line Rd Ste Ga, Kansas City, MO 64114(816) 932-9333
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10.06 miDavid Denny8600 Ward Pkwy Ste 2070, Kansas City, MO 64114(816) 363-3187
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10.06 miTeresa Brown9200 Ward Pkwy Ste 530, Kansas City, MO 64114(816) 361-2191
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10.06 miChampion Insurance Group9229 Ward Pkwy Ste 380, Kansas City, MO 64114(816) 268-6100
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10.06 miAllen Jones8900 Wornall Rd, Kansas City, MO 64114(816) 361-6362
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10.06 miNestel Insurance Agency9233 Ward Pkwy Ste 124, Kansas City, MO 64114(816) 361-6442
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10.06 miCharles Ehlers9237 Ward Pkwy Ste 235, Kansas City, MO 64114(816) 363-3720
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10.06 miElaine Fry1310 Carondelet Dr Ste 200, Kansas City, MO 64114(816) 942-7800
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10.06 miDavid Krough600 W 103rd St Ste 206, Kansas City, MO 64114(816) 943-6166
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10.06 miMike Tiffany600 W 103rd St Ste 201, Kansas City, MO 64114(816) 943-9500
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11.07 miAAA Insurance9205 NE Highway 152, Kansas City, MO 64158(816) 781-4222
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11.65 miJason Overton11705 E 350 Hwy Ste E, Kansas City, MO 64138(816) 356-3100
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11.65 miAAA Insurance9812 E 87th St, Kansas City, MO 64138(816) 353-3205
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11.65 miBret Farrar6406 E 87th St Ste 103, Kansas City, MO 64138(816) 333-4445
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11.65 miB & H Insurance Agency9333 Blue Ridge Blvd, Kansas City, MO 64138(816) 767-8299
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11.65 miEMI Agency9116 Tennessee Ave, Kansas City, MO 64138(800) 316-1770
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12.03 miGlad Heart Insurance3435 E Red Bridge Rd, Kansas City, MO 64137(816) 809-9380
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12.03 miJamie Bilton10901 Hickman Mills Dr Ste D, Kansas City, MO 64137(816) 763-5444
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12.06 miTyler Ritenour11108 N Oak Trfy Ste 210, Kansas City, MO 64155(816) 759-8590
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12.06 miTom Lafontaine11113 N Oak Trfy, Kansas City, MO 64155(816) 734-2224
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12.06 miAntioch Insurance Agency214 NE Barry Rd, Kansas City, MO 64155(816) 454-0400
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12.06 miMike Faeth110 NW Barry Rd Ste 203, Kansas City, MO 64155(816) 436-6603
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12.06 miMonica Witherspoon8612 N Oak Trfy, Kansas City, MO 64155(816) 278-1282
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12.06 miBeverly Baker8708 N Oak Trfy, Kansas City, MO 64155(816) 452-7744
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12.06 miPeter Fox9332 N Oak Trfy, Kansas City, MO 64155(816) 587-6155
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12.06 miJarod Tibbetts9554 N Mcgee St, Kansas City, MO 64155(816) 468-1994
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12.06 miMartin Howard9554 N Mcgee St, Kansas City, MO 64155(816) 468-1995
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12.06 miToby Breedlove9570 N Mcgee St Ste B, Kansas City, MO 64155(816) 468-1300
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12.06 miGarrison Arey9582 N Mcgee St, Kansas City, MO 64155(816) 994-6230
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12.06 miJoe Nowatzki10201 N Oak Trfy Ste 400, Kansas City, MO 64155(816) 420-0200
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12.19 miAAA Insurance9194 N Skyview Ave, Kansas City, MO 64154(816) 455-4900
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12.19 miNorthland Independent Group5575 NW Barry Rd, Kansas City, MO 64154(816) 587-1826
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12.19 miJoe Janacaro5555 NW Barry Road, Kansas City, MO 64154(816) 587-8330
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12.19 miDennis King8560 N Green Hills Rd Ste 116, Kansas City, MO 64154(816) 249-2010
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12.19 miChris Hoy8640 N Green Hills Rd Ste 40, Kansas City, MO 64154(816) 436-8400
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13.49 miKaren Gilkey10009 E Bannister Rd, Kansas City, MO 64134(816) 761-2880
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13.49 miInsureOne10407 Blue Ridge Blvd, Kansas City, MO 64134(816) 607-9740
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13.49 miEtta McKenzie11818 Blue Ridge Blvd, Kansas City, MO 64134(816) 861-8600
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13.78 miBret Ohlhausen8549 North Church Road, Kansas City, MO 64157(816) 781-4960
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13.78 miJennifer Hubbs9759 N Cedar Ave, Kansas City, MO 64157(816) 781-2044
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13.78 miHaffner & Associates8301 NE 110th St, Kansas City, MO 64157(816) 792-4130
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14.12 miTammie Robinett7400 NW 87th Ter, Kansas City, MO 64153(816) 800-8200
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14.12 miDonita Hunt7501 NW Tiffany Pkwy Ste 10, Kansas City, MO 64153(816) 587-4181
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14.12 miWrenn Preferred Insurance Agency7509 NW Tiffany Springs Pkwy Ste 200, Kansas City, MO 64153(816) 801-7072
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14.12 miWhite Grego & White Insurance10034 N Ambassador Dr, Kansas City, MO 64153(816) 436-4132
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14.12 miCowell James Forge Insurance10525 N Ambassador Dr Ste 301, Kansas City, MO 64153(816) 471-4245
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15.76 miTozier Parkway Housh Jones13606 Washington St, Kansas City, MO 64145(816) 761-3230
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2.33 miJensen Insurance Group947 Osage Ave, Kansas City, KS 66105(913) 287-1100
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3.2 miIrvin Pete4450 Belleview Ave, Kansas City, MO 64111(816) 216-1033
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3.2 miThe Sloan Agency4400 Madison Ave Ste 200, Kansas City, MO 64111(816) 531-3680
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3.2 miDeMasters Insurance1130 Westport Rd, Kansas City, MO 64111(816) 531-1000
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3.2 miClinton Cockrill1103 Westport Rd, Kansas City, MO 64111(816) 569-2450
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3.2 miBrush Creek4444 Broadway, Kansas City, MO 64111(816) 523-2323
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3.2 miSafeway Insurance Agency3600 Broadway St Ste 100, Kansas City, MO 64111(816) 931-1222
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3.2 miDennis McLaughlin Insurance Agency406 W 34th St Ste 802, Kansas City, MO 64111(816) 931-3341
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3.2 miTallman Insurance Agency406 W 34th St Ste 806, Kansas City, MO 64111(816) 753-2345
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3.2 miAAA Insurance3245 Broadway St, Kansas City, MO 64111(816) 931-5252
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3.2 miEmmett Thompson3100 Broadway Blvd Ste 128, Kansas City, MO 64111(816) 561-7770
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3.2 miKeith Powell Agency3145 Main St Ste 202, Kansas City, MO 64111(816) 753-0777
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3.32 miLB7 Insurance Agency2319 Independence Ave, Kansas City, MO 64124(816) 231-3680
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3.32 miMulti Services611 Prospect Ave, Kansas City, MO 64124(816) 349-1408
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3.32 miFrancisco Banuelos Insurance536 Benton Blvd, Kansas City, MO 64124(816) 920-5400
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3.43 miCowell James Forge Insurance1126 Swift Ave, Kansas City, MO 64116(816) 471-4245
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3.43 miGarry & Associates Insurance Agency135 E 20th Ave, Kansas City, MO 64116(816) 221-9400
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3.43 miAbba Insurance315 E 18th Ave, Kansas City, MO 64116(816) 454-8833
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3.43 miTony Osborn2109 Buchanan St, Kansas City, MO 64116(816) 471-4200
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3.43 miMike Parisi2603 Burlington St, Kansas City, MO 64116(816) 221-3840
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3.43 miBriarcliff Insurance Group4151 N Mulberry Dr Ste 245, Kansas City, MO 64116(816) 759-2133
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3.43 miCody Weaver1201 NW Briarcliff Pkwy Fl 2, Kansas City, MO 64116(816) 878-9571
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3.43 miAnthony Simone1201 NW Briarcliff Pkwy Ste 345, Kansas City, MO 64116(816) 994-6239
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3.43 miJacob Phillips1201 NW Briarcliff Pkwy Ste 345, Kansas City, MO 64116(816) 994-6230
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3.43 miLoanna Halcomb1201 NW Briarcliff Pkwy Ste 345, Kansas City, MO 64116(816) 994-6230
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3.43 miShelbi Neel1201 NW Briarcliff Pkwy Ste 345, Kansas City, MO 64116(816) 994-6237
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3.43 miTyler Brown1201 NW Briarcliff Pkwy Ste 345, Kansas City, MO 64116(816) 759-0000
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3.43 miCountry Financial Agency4131 N Mulberry Dr Ste 250, Kansas City, MO 64116(816) 407-9326
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3.43 miBriana Smith3723 N Oak Trfy, Kansas City, MO 64116(816) 455-0015
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3.43 miPaul Arnone3851 N Oak Trfy, Kansas City, MO 64116(816) 454-2152
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3.43 miAlisha Elliott851 NW 45th St Ste 301, Kansas City, MO 64116(816) 841-9494
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3.43 miDavid Hunter4444 N Belleview Ave Ste 100, Kansas City, MO 64116(816) 434-0770
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3.48 miNeighbors Insurance Services4135 E Truman Rd, Kansas City, MO 64127(816) 241-7722
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4.22 miFusion Insurance Agency5920 Wilson Rd, Kansas City, MO 64123(816) 470-9050
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4.67 miLiam Porter1414 W 47th St, Kansas City, MO 64112(816) 753-4334
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4.67 miKansas City Mortgage & Insurance Agency4741 Central St Ste 561, Kansas City, MO 64112(816) 531-5867
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4.96 miPulse Insurance1048 N Monroe Ave, Kansas City, MO 64120(816) 694-9539
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6.18 miRobert Redmond Agency6315 Brookside Plz Ste 104, Kansas City, MO 64113(816) 361-8600
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6.18 miDebbie Baker Krough6300 Walnut St, Kansas City, MO 64113(816) 361-4200
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6.18 miTorrence Leathers Agency221 E 63rd St, Kansas City, MO 64113(816) 523-8499
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7.69 miSteve Conway1404 NW Vivion Rd, Kansas City, MO 64118(816) 452-6700
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7.69 miJeff Woody1300 NW Vivion Rd, Kansas City, MO 64118(816) 459-8010
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7.69 miCastillo Insurance Agency1504 NE 56th Ter, Kansas City, MO 64118(816) 453-7231
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7.69 miSteve Marshall6651 N Oak Trfy Ste 2, Kansas City, MO 64118(816) 436-3210
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7.69 miBob Vaughn Insurance Agency406 NE 68th St, Kansas City, MO 64118(816) 468-1800
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7.69 miDewey Osborn6405 N Oak Traffic Way, Kansas City, MO 64118(816) 436-7300
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7.69 miChad Nichols7090 N Oak Trfy, Kansas City, MO 64118(816) 420-8300
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7.69 miGregg Smith7090 N Oak Trfy, Kansas City, MO 64118(816) 468-7444
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7.69 miSara Stevenson6712 N Oak Trfy Ste B, Kansas City, MO 64118(816) 436-5016
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7.69 miTony Osborn6510 N Oak Trfy, Kansas City, MO 64118(816) 454-6555
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7.69 miJeff David Insurance Agency6504 N Oak Trfy, Kansas City, MO 64118(816) 436-2622
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7.69 miThe Javan Agency5950 N Oak Trfy Ste 102, Kansas City, MO 64118(816) 420-0500
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7.69 miInsurance Express5816 N Oak Trfy, Kansas City, MO 64118(816) 437-8111
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7.69 miJenkins & James Insurance Agency5814 N Oak Trfy, Kansas City, MO 64118(816) 453-8555
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7.69 miPat Ryan5545 N Oak Trfy Ste 2, Kansas City, MO 64118(816) 454-0929
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7.69 miSusan R Petty Insurance Agency100 NW Englewood Rd, Kansas City, MO 64118(816) 454-8200
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7.69 miAndy Patton5500 N Oak Trfy Ste 100, Kansas City, MO 64118(816) 453-6220
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7.69 miLynn Patton5500 N Oak Trfy Ste 100, Kansas City, MO 64118(816) 453-6220
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7.69 miCarrie Murray400 NW Englewood Rd, Kansas City, MO 64118(816) 453-1666
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7.69 miSandra Gambel6755 N Pennsylvania Ave, Kansas City, MO 64118(816) 468-6363
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7.69 miBrad Lineberry208 NE 72nd St, Kansas City, MO 64118(816) 436-5765
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7.69 miCheryl King188 NE 72nd St, Kansas City, MO 64118(816) 436-6282
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7.69 miKen Strange184 NE 72nd St, Kansas City, MO 64118(816) 436-9004
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7.69 miRichard Montgomery184 NE 72nd St, Kansas City, MO 64118(816) 468-8948
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7.69 miMissouri Farm Bureau Insurance7 NW 72nd St, Kansas City, MO 64118(816) 436-9571
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7.69 miBrian Rauber107 NE 72nd St, Kansas City, MO 64118(816) 436-1016
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7.69 miCasey Presko104 NE 72nd St Ste C, Kansas City, MO 64118(816) 468-9700
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7.69 miTerence Presko104 NE 72nd St Ste C, Kansas City, MO 64118(816) 436-8383
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7.69 miClay McCullick7506 N Oak Trfy, Kansas City, MO 64118(816) 436-4424
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7.69 miAndrew Greenwood7684 N Oak Trfy, Kansas City, MO 64118(816) 436-2000
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7.69 miTim Presko7817 N Oak Trfy, Kansas City, MO 64118(816) 436-6000
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7.69 miJesse Valenciano7932 N Oak Trfy Ste 208, Kansas City, MO 64118(816) 436-3004
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7.69 miAbbott Insurance8117 N Oak Traffic Way, Kansas City, MO 64118(816) 452-8810
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7.69 miClint Elkins8121 N Oak Trfy, Kansas City, MO 64118(816) 436-2100
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7.86 miCarleton Voorhies7709 NW Prairie View Rd, Kansas City, MO 64151(816) 741-3558
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7.86 miJonathan Miller6704 NW Tower Dr, Kansas City, MO 64151(816) 746-0818
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7.86 miSteve Marshall7000 NW Prairie View Rd, Kansas City, MO 64151(816) 587-5200
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7.86 miMissouri Farm Bureau Insurance7000 NW Prairie View Rd, Kansas City, MO 64151(816) 584-2800
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7.86 miAngela Saverino6302 N Lucerne Ave, Kansas City, MO 64151(816) 741-4300
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7.86 miStore House Planning6300 N Revere Dr Ste 265, Kansas City, MO 64151(816) 844-3949
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7.86 miDeborah York5775 NW 64th Ter Ste 201, Kansas City, MO 64151(816) 746-4443
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7.86 miDeana Poston-Seibold6511 N Cosby Ave, Kansas City, MO 64151(816) 741-1162
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7.86 miTim Dugan6453 N Cosby Ave, Kansas City, MO 64151(816) 746-1300
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7.86 miKent Mayfield6502 NW Prairie View Rd, Kansas City, MO 64151(816) 587-8668
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7.86 miBurr Insurance Group5100 NW Waukomis Dr Ste D, Kansas City, MO 64151(816) 455-2877
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7.86 miStaci Blackwell5100 NW Waukomis Dr Ste B, Kansas City, MO 64151(816) 459-9858
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7.86 miWilliam Herzig5100 NW Waukomis Dr Ste B, Kansas City, MO 64151(816) 587-7500
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8.51 miZachary Dixon8004 N Brighton Ave, Kansas City, MO 64119(816) 479-5289
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8.51 miSimone Insurance Agency7138 N Norton Ave Ste A, Kansas City, MO 64119(816) 739-8995
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8.51 miChad Fleming4914 NE 81st St, Kansas City, MO 64119(816) 452-8054
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8.51 miAdamson Xpress Insurance Services4401 NE Vivion Rd Ste 201, Kansas City, MO 64119(816) 960-6464
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8.51 miJose Leon4401 NE Vivion Rd Ste 201, Kansas City, MO 64119(816) 455-2738
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8.51 miAustin Rolf4124 NE Vivion Rd, Kansas City, MO 64119(816) 453-1800
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8.51 miCalvin Eddy & Kappelman Insurance2900 NE 60th St, Kansas City, MO 64119(816) 453-8584
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8.51 miJeff Williams Agency6505 N Prospect Ave Ste 100, Kansas City, MO 64119(816) 459-7779
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8.51 miMark Pearcy Agency6505 N Prospect Ave Ste 200, Kansas City, MO 64119(816) 452-6328
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8.51 miMary Ann Surber6407 N Prospect Ave, Kansas City, MO 64119(816) 452-1700
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8.51 miKevin Swink6022 NE Antioch Rd Ste 1, Kansas City, MO 64119(816) 455-1234
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8.51 miJoseph Claybrook5817 NE Antioch Rd, Kansas City, MO 64119(816) 353-1988
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8.51 miMatt Mc Coy2601 NE Kendalwd Pkwy Ste 200, Kansas City, MO 64119(816) 587-2221
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8.51 miKaylee Ball5757 NE Antioch Rd, Kansas City, MO 64119(816) 454-2206
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8.51 miDon Kersten5771 NE Antioch Rd, Kansas City, MO 64119(816) 454-5000
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8.51 miLarry Yeatman5606 NE Antioch Rd, Kansas City, MO 64119(816) 453-7888
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8.51 miBargain Insurance Connection2635 NE Vivion Rd, Kansas City, MO 64119(816) 453-7722
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8.51 miJohn Flacke244 E Us Highway 69 Ste 201a, Kansas City, MO 64119(816) 454-4700
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9.89 miAuto Insurance Discounters7928 Troost Ave, Kansas City, MO 64131(816) 444-7928
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9.89 miPinnacle Insurance Agency1325 E Bannister Rd Ste 100, Kansas City, MO 64131(816) 399-0109
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9.89 miGeorge Lounds550 E 99th St, Kansas City, MO 64131(816) 941-0055
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9.89 miDavid Beard9916 Holmes Rd Ste D, Kansas City, MO 64131(816) 765-6400
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9.89 miThomas Angier1401 E 104th St Ste 103, Kansas City, MO 64131(816) 416-8077
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9.89 miMarc McKee400 E Red Bridge Rd Ste 108, Kansas City, MO 64131(816) 942-1966
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9.89 miJohn Goodwin11125 Locust St, Kansas City, MO 64131(816) 363-5848
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9.89 miSteve Basinger11040 Holmes Rd Ste 100, Kansas City, MO 64131(816) 942-3288
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9.91 miSue Frank10014 E 63rd St, Kansas City, MO 64133(816) 353-4400
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9.91 miJ Robert Atkins10032 E 63rd St, Kansas City, MO 64133(816) 874-4920
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9.91 miAllen Swisher6446 Raytown Trfy, Kansas City, MO 64133(816) 358-0300
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9.91 miSteve Meyers6446 Raytown Trfwy, Kansas City, MO 64133(816) 356-3910
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9.91 miChad Vanderpol6220 Raytown Trfy, Kansas City, MO 64133(816) 358-7171
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9.91 miAnchor Insurance Agency6107 Blue Ridge Blvd, Kansas City, MO 64133(816) 737-0880
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9.91 miJim Lunn9504 E 63rd St, Kansas City, MO 64133(816) 358-1616
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9.91 miBill Boykin6520 Raytown Rd, Kansas City, MO 64133(816) 737-0704
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9.91 miDick Tracy Agency9425 E 63rd St, Kansas City, MO 64133(816) 358-6100
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9.91 miReggie Green11571 E 63rd St, Kansas City, MO 64133(816) 356-1515
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9.91 miBeau Crawford7312 Raytown Rd Ste B, Kansas City, MO 64133(816) 353-3026
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9.91 miEarl Anderson12106 E 52nd Ter, Kansas City, MO 64133(816) 737-0074
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9.92 miGary Woods Agency7211 NW 83rd St Ste 140, Kansas City, MO 64152(816) 587-8033
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9.92 miKaiden Barraclough7211 NW 83rd St Ste 145, Kansas City, MO 64152(816) 505-0202
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9.92 miKimberly Youngs7211 NW 83rd St Ste 145, Kansas City, MO 64152(816) 436-9977
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9.92 miHowe Insurance Agency6320 NW Kelly Dr, Kansas City, MO 64152(816) 505-5557
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9.92 miJacob Pratt6434 NW Crooked Rd, Kansas City, MO 64152(816) 741-8787
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9.92 miJames Greene6442 NW Crooked Rd, Kansas City, MO 64152(816) 298-7678
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9.92 miCountry Financial Agency8835 NW 63rd St Ste 101, Kansas City, MO 64152(816) 584-0782
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9.92 miRyan Reed6114 N 9 Hwy, Kansas City, MO 64152(816) 741-5865
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9.92 miJeff Zigmant6008 N Highway 9 Ste B, Kansas City, MO 64152(816) 584-1100
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9.92 miRPA Insurance Services7817 NW Twilight Cir, Kansas City, MO 64152(816) 582-5181
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9.92 miKenneth Farrar5201 NW Crooked Rd, Kansas City, MO 64152(816) 455-3322
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9.92 miJim McCall201 Main St Ste 6, Kansas City, MO 64152(816) 741-5307
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9.92 miGreg Clouse Agency9 E 1st St, Kansas City, MO 64152(816) 587-1414
Learn More About Car Insurance in Kansas City, MO
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.