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2024

Last updated:

Best Local Car Insurance Agencies in Kansas City

Our Recommended Top 20

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Kansas City Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

275

Reviewed

173

Curated

20

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1130 Westport Rd, Kansas City, MO 64111

Why choose this provider?

Kansas City-based DeMasters Insurance LLC is an independent insurance agency with more than seven decades of experience crafting customized insurance solutions for residents in Kansas and Missouri. The agency works with leading insurers such as Travelers and Progressive to provide drivers with diverse auto insurance coverage options, including liability, property damage, comprehensive, and medical. By adjusting deductibles and coverage limits, DeMasters ensures clients have sufficient protection without exceeding their budgets. The agency also offers renters and homeowners insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (26)
Facebook
4.5 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2635 NE Vivion Rd, Kansas City, MO 64119
  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Bargain Insurance Connection's home insurance policies have been protecting homeowners in Kansas City, Missouri since 2007. It offers a wide range of insurance products, including home insurance options, which are available to cover private dwellings, rental properties, and vacant properties. The company's partners include Progressive, Dairyland Insurance, and Bristol West Insurance. In addition to home insurance, it offers auto and commercial policies. Bargain Insurance Connection is a Better Business Bureau accredited business with an A+ rating.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (119)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
11211 Johnson Dr, Shawnee, KS 66203

Why choose this provider?

Shawnee, Kansas-based Insurance Inc. has been providing insurance solutions to Kansas City residents since its founding in 1976. By working with its wide variety of providers, it offers drivers auto insurance policies tailored to their needs with coverage such as comprehensive, liability, and medical. Drivers seeking the most robust protection choose its full-coverage policies that include uninsured motorists and property damage coverage. Insurance Inc. also offers home, commercial, business, and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
10034 N Ambassador Drive, Kansas City, MO 64153
  • Multiple Carriers

Why choose this provider?

White, Grego & White Insurance serves Kansas City and nearby areas. It provides various products for personal and business insurance needs, including auto, recreational vehicle, personal umbrella, product liability, and workers' compensation insurance. Its car insurance policy includes medical payments, roadside assistance, personal injury protection, and liability coverage. The company also offers coverage for industries such as accounting firms, educational facilities, and construction companies. White, Grego & White Insurance represents multiple insurance carriers, including Nationwide, American Modern, Travelers, and Berkshire Hathaway.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.2 / 5 (6)
Facebook
3.7 / 5 (3)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7311 W 132nd St Ste 100, Overland Park, KS 66213

Why choose this provider?

Blue Valley Insurance Agency in Overland Park, Kansas, offers auto insurance solutions to drivers in the greater Kansas City, Missouri area. Doing business since 1990, this full-service independent insurance agency has access to many nationally known insurance carriers, so clients get competitive rates on the auto insurance coverage they need. Liability, bodily injury, property damage, comprehensive, collision, and personal injury protection coverage types are all available. It also offers classic/collector car, motorcycle, RV, and boat insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (145)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
520 W. Pennway Suite #LL, Kansas City, MO 64108

Why choose this provider?

Bush Creek Partners provides personal and commercial lines of insurance to the residents of Kansas City. Its wide array of insurance products includes auto, home, life, health, and general contractor insurance. The agency helps car owners find the ideal policy for their coverage needs and price preference by comparing products across multiple providers, as well as against the client's previous policy. As an independent insurance agency, it has access to hundreds of providers. It also offers group benefits to protect the health and wellness of employees.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (56)
Facebook
5.0 / 5 (26)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4400 Shawnee Mission Parkway, Fairway, KS 66205
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Midwest Professional Insurance is an insurance firm serving individuals, families, and businesses in Kansas City and the rest of the State of Kansas. Its professional agents provide vehicle owners with individualized auto insurance plans based on their specific needs, expectations, and priorities. Available car insurance programs may include collision, comprehensive, and liability coverage, and clients may also opt to avail of additional coverage. Midwest Professional Insurance also insures motorcycles, classic cars, and boats and other watercraft.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (50)
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7823 Wornall Rd., Kansas City, MO 64114
  • Multiple Carriers

Why choose this provider?

Since 1979, A-1 Insurance has been offering a variety of policies in Kansas City. The firm has auto insurance that provides compensation for damage caused by road crashes. It also has plans that cover theft, vandalism, and accidents involving uninsured drivers. In addition, business owners can get insurance for their vehicle fleets and general liability claims. A-1 Insurance works with more than 25 insurance companies to provide personal and commercial coverage. These include The Hartford, Progressive, Safeco Insurance, and Kemper.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (51)
Facebook
5.0 / 5 (3)

Website
5606 North Antioch Road, Kansas City, MO 64119

Why choose this provider?

Yeatman Insurance Agency addresses the needs of individuals and businesses in Kansas City and its neighboring metros. The company has been in the industry for over 35 years, providing auto, home, and business insurance. Its professionals assess clients' needs and advise them on options that fit their situation. They determine the assets that the clients value most to review their policy during the process. Its agents also make changes to policies so that clients' valuables enclose proper coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
135 E 20th Ave, North Kansas City, MO 64116
  • Multiple Carriers

Why choose this provider?

Garry & Associates Insurance Agency, Inc., is an independent risk management firm serving the Kansas City area. Included in its products is auto insurance, which reimburses losses from collisions. It also provides policies for owners of motorcycles, boats, yachts, and motor homes. In addition, it offers protection plans for homeowners and businesses. With access to policies from numerous carriers such as Progressive and Nationwide, it provides plans customized according to clients' unique needs. The company is affiliated with the Kansas Association of Insurance Agents.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1017 N 6th St Suite 202, Kansas City, KS 66101
  • Multiple Carriers

Why choose this provider?

Based in Kansas City, Toro Insurance Agency caters to clients throughout the area. It provides auto insurance and assists policyholders in obtaining coverages, such as collision, theft, fire, vandalism, and medical payments. The agency offers homeowners', condominiums, and renters' insurance, as well as policies for businesses, such as general liability, property insurance, and workers' compensation. Toro Insurance Agency brings over 15 years of experience. Founder Jose Joaquin Toro holds designations of Certified Insurance Counselor and Certified Risk Manager from the National Alliance of Insurance Education and Research

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7301 Mission Road, Prairie Village, KS 66208
  • Bundling Option

Why choose this provider?

Established in 1993, the State Farm insurance agency of Denise Garcia provides for the auto insurance needs of clients in the Kansas City and Prairie Village areas. The office offers a host of auto insurance coverage options, including collision, comprehensive, rental car, and classic car coverage. It has a strong focus on helping customers manage risks and recover from unexpected situations. Garcia is a member of the Northeast Johnson County Chamber of Commerce.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4135 E. Truman Rd., Kansas City, MO 64127
  • Multiple Carriers

Why choose this provider?

Neighbors Insurance Services serves the locals in and around Kansas City. It provides auto insurance that has property, liability, and medical coverage. The agency also carries plans for homes, motorcycles, businesses, and recreational vehicles. It works in partnership with companies such as Progressive, InsureMax, and The Hanover Insurance Group. Neighbors Insurance Services is an independent agency with access to a wide range of insurance carriers. It has bilingual team members who can accommodate Spanish-speaking clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
4.0 / 5 (47)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2103 Swift St, Ste. 100 North, Kansas City, MO 64116

Why choose this provider?

In the Game Insurance Services, Inc., serves clients in Kansas City. Its agents help vehicle owners get insurance plans that protect them in the event of accidents. They also offer boat, motorcycle, ATV, life, home, and business insurance policies. The local, independent agency represents more than 30 different insurance providers. Its team customizes insurance products and solutions according to each client's needs. Chris Cooper, the company president, has been in the insurance and financial services industry for 20 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (35)
Facebook
5.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7928 Troost Ave, Kansas City, MO 64131

Why choose this provider?

Founded in 2001, Auto Insurance Discounters is an independent insurance agency located in Kansas City, Missouri, with additional offices in Independence, Missouri, and Kansas City, Kansas. Auto specialists work with several A-rated companies, such as Progressive, Travelers, and The Hartford, to find clients the best policies to fit their needs. Options include bodily injury and property damage liability, medical payments, collision, comprehensive, and uninsured and underinsured motorist coverage with the choice of towing, roadside assistance, and rental reimbursement.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.3 / 5 (47)
Facebook
5.0 / 5 (15)
Yelp
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
12034 Blue Ridge Ext, Grandview, MO 64030

Why choose this provider?

Goode Insurance LLC is a bilingual auto insurance agency located in Grandview, Missouri, that serves residents throughout the entire state as well as Kansas. The company offers same-day insurance policies, express reinstatements, and SR22 filing, and provides insurance plans for cars, motorcycles, RVs, and boats. Clients can select comprehensive and collision coverage, along with personal injury protection from partners such as The General, Progressive, and Viking. Representatives at the agency speak both English and Spanish.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.7 / 5 (49)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5545 N Oak Trfy, Suite 12 A, Kansas City, MO 64118
  • Motorcyle & ATV

Why choose this provider?

Nominal Insurance serves individuals, families, and businesses in the Kansas City metro. Its team of associates helps vehicle owners secure car insurance to stay protected in the event of an automotive emergency. They connect with various reputable carriers, such as Progressive and Foremost Insurance Group, to be able to provide drivers with a policy that will suit their needs and individual risks while meeting the state’s minimum insurance requirements. Nominal Insurance also offers car dealer insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (40)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
1.5
Responsiveness
Friendliness
––
Helpfulness
Detail

Website
3435 E. Red Bridge Road, Kansas City, MO 64137
  • Motorcyle & ATV

Why choose this provider?

Glad Heart Insurance is a local firm serving clients throughout Kansas City and the neighboring communities. As an independent insurance agency representing over 20 known and reputable insurance carriers, the company provides customers with the right auto insurance policy that suits their needs and resources. Its agents build personalized policies that generally cover all car damage and protection against legal and medical expenses caused by accident-related injuries. It also offers supplementary coverage for emergency road assistance and loss of income.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1208 West 61st Street, Kansas City, MO 64113
  • RV & Motorhome
  • Motorcyle & ATV

Why choose this provider?

Located in Kansas City, Baker Insurance Agency carries a wide variety of personal and commercial products, including auto, home, life, property, liability, and umbrella plans. With an understanding of the risks that underinsured drivers face, it advises them on appropriate policies for their vehicles. It has coverages for cars, motorcycles, boats, RVs, and business autos. It also carries insurance for rental and vacation homes. Baker Insurance Agency is a member of the Community Insurance Consultants.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1200 Main St. #2310, Kansas City, MO 64105
  • Motorcyle & ATV

Why choose this provider?

Brown & Brown, the fifth-largest U.S. insurance brokerage firm, has been serving Kansas City since 1939. The firm provides automobile policies to protect clients on the road. It tailors coverages and offers solutions for vehicles, antique cars, motorcycles, scooters, recreational vehicles, and luxury motor homes. Its other products include employee benefits, homeowners', flood, aviation, property, and casualty insurance. The company debuted on the New York Stock Exchange in 1998 and joined the S&P 500 in 2021.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • In Kansas City, if someone has comprehensive car insurance, does it cover damages from an accident with another vehicle?

    In Kansas City, an individual's comprehensive auto policy won't shield them from costs due to collisions with other cars. This insurance chiefly handles theft, animal encounters, or weather-induced damage. For car-to-car mishaps, they'd lean on liability and collision protection. Understanding that comprehensive plans focus on unexpected incidents, not vehicular collisions, is pivotal.

  • What's causing higher car insurance rates in Kansas City, and how can residents reduce them?

    In Kansas City, increased vehicle costs, the scarcity of parts, and rising road accidents are primary drivers for escalating car insurance rates. However, residents can strategically manage these expenses. Consolidating multiple insurance policies with a single company, initiating the search for insurance at least 10 days before policy renewal, thorough quote comparisons, and adhering to prudent driving practices are recommended.

  • What are the mandatory insurance coverages for drivers in Kansas City?

    In Kansas City, drivers must secure liability insurance and uninsured/underinsured motorist coverage. The liability insurance should cover at least $25,000 for individual bodily harm, $50,000 per accident for bodily injuries, and $25,000 for property damage. Additionally, their uninsured/underinsured motorist coverage must align with the liability limits. While not compulsory, drivers can choose to add personal injury protection to their policy for better security.

  • How does a speeding ticket impact car insurance rates for drivers in Kansas City?

    A speeding ticket conviction typically raises insurance costs in Kansas City by 18%. The precise increase is determined by the insurer, the level of speeding, prior infractions, and route zoning. Drivers may see higher premiums after receiving a ticket, but they can avoid this by comparing quotes, combining many insurance, or keeping good credit. Preventative measures can help individuals deal with the financial fallout from a speeding ticket.

  • What are the consequences for drivers in Kansas City if they fail to present proof of insurance when requested by law enforcement?

    In Kansas City, three outcomes can emerge when drivers don't produce insurance evidence as requested by law enforcement. Firstly, a conviction lands on their driving record, accruing four points—eight points within 18 months can revoke driving privileges. Secondly, courts might order supervision to guarantee they maintain car insurance. Lastly, a failure might lead to license suspension, followed by an official notification from the Driver License Bureau.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.