Auto Insurance
Auto Insurance in Kansas City
Licensed in Missouri and Kansas. We compare car insurance from dozens of carriers so you get solid coverage at a price that makes sense.
Kansas City Car Insurance From a Local Agent
If you’ve ever called a 1-800 number after a fender bender on I-435, you know how fast “customer service” turns into a phone tree. Freedom First Risk Solutions is an independent agency based in Kansas City, Missouri. You get a real person who knows the roads you drive and picks up when you call.
Because we’re independent, we can quote your car across several carriers at once. Most drivers who switch to us lower their premium, raise their coverage, or both. The quote takes about 15 minutes, and there’s no cost to compare.
Car Insurance Requirements in Missouri and Kansas
Kansas City drivers deal with two sets of rules. Missouri is an at-fault state, which means the driver who causes a crash pays for the damage through their liability coverage. Kansas is a no-fault state, so your own policy pays your medical bills first through personal injury protection (PIP), no matter who caused the accident.
Here’s the minimum coverage each state requires:
Coverage | Missouri minimum | Kansas minimum |
|---|---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident | $25,000 per person / $50,000 per accident |
Property damage liability | $25,000 per accident | $25,000 per accident |
Uninsured motorist | $25,000 per person / $50,000 per accident | $25,000 per person / $50,000 per accident |
Underinsured motorist | Optional | $25,000 per person / $50,000 per accident |
Personal injury protection (PIP) | Not required | $4,500 medical, $4,500 rehab, $900/month lost income for one year, $2,000 funeral, $25/day in-home services |
Your policy follows the state where your car is registered and garaged. If you live in Overland Park and commute to downtown KCMO, you carry a Kansas policy, and it still covers you on Missouri roads.
We shop the market for you.
SIDE-BY-SIDE QUOTES
See prices from multiple top-rated carriers in one place, so you know exactly what your coverage costs.
THE BEST RATE YOU QUALIFY FOR
We sort your options by price and coverage, then help you lock in the lowest rate your health class allows.
LICENSED IN MO & KS
A local Kansas City agent who stays with you from your first quote to the day your family needs to file a claim.
Auto Insurance FAQs for Kansas City Drivers
Prices vary widely based on your driving record, vehicle, ZIP code, and coverage limits. Two drivers on the same street can pay very different rates, which is why comparing several carriers is the fastest way to find out if you're overpaying.
Missouri requires liability coverage of $25,000 per person and $50,000 per accident for bodily injury, $25,000 for property damage, and uninsured motorist coverage of $25,000 per person and $50,000 per accident.
Kansas requires the same 25/50/25 liability limits, uninsured and underinsured motorist coverage of $25,000 per person and $50,000 per accident, and personal injury protection because Kansas is a no-fault state.
You insure your car in the state where it's registered and garaged. A Kansas policy still covers you while you drive in Missouri, and Freedom First Risk Solutions is licensed in both states.
Yes, if you carry comprehensive coverage. Liability-only policies don't pay for hail. Given how often storms hit the Kansas City area, comprehensive is worth a close look for any car you couldn't afford to fix out of pocket.
Yes. We can file an SR-22 with the Missouri or Kansas Department of Revenue and help you find a carrier that will write the policy at a fair rate.
Usually, yes. Bundling is often the largest discount available. We'll quote both ways so you can see whether a bundle or separate carriers comes out cheaper.
Most auto policies can start the same day you buy them. We'll email your ID cards right away and help you cancel your old policy so you don't have a gap in coverage.