Car insurance premiums in Kansas can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in Kansas by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in Kansas
The Honda HR-V and Hyundai Venue are the cheapest vehicles to insure in Kansas, closely followed by the Honda CR-V and Chrysler Voyager, according to our data analysis.
Below is a list of the cheapest vehicles to insure in Kansas and their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda HR-V | $989 |
| Hyundai Venue | $1,009 |
| Honda CR-V | $1,018 |
| Chrysler Voyager | $1,021 |
| Toyota Corolla Cross | $1,022 |
| Chevrolet TrailBlazer | $1,033 |
| Chevrolet Trax | $1,035 |
| Volkswagen Tiguan | $1,058 |
| Toyota RAV4 | $1,059 |
| Hyundai Kona | $1,066 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Kansas
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in Kansas
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $1,110. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Nissan Versa ranks second on our list with an insurance cost of $1,115, followed by Nissan Sentra, which costs $1,152 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Kansas and their average full coverage six-month rates.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,110 |
| Nissan Versa | $1,115 |
| Nissan Sentra | $1,152 |
| Honda Civic Sedan | $1,169 |
| Volkswagen Jetta | $1,174 |
| Kia Forte | $1,175 |
| Toyota Corolla | $1,190 |
| Honda Accord | $1,190 |
| Toyota Camry | $1,200 |
| Mitsubishi Mirage G4 | $1,213 |
| Chevrolet Malibu | $1,217 |
| Volkswagen Jetta GLI | $1,231 |
| Hyundai Elantra | $1,238 |
| Nissan Altima | $1,244 |
| Mazda 3 Sedan | $1,254 |
| Hyundai Sonata | $1,358 |
| Kia K5 | $1,399 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Kansas
The Honda HR-V and Honda CR-V are the cheapest SUVs to insure in Kansas, with an average cost of $989 and $1,018 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda HR-V | $989 |
| Honda CR-V | $1,018 |
| Toyota Corolla Cross | $1,022 |
| Chevrolet TrailBlazer | $1,033 |
| Chevrolet Trax | $1,035 |
| Volkswagen Tiguan | $1,058 |
| Toyota RAV4 | $1,059 |
| Hyundai Kona | $1,066 |
| Subaru Forester | $1,071 |
| Mazda CX-5 | $1,077 |
| Chevrolet Equinox | $1,080 |
| Volkswagen Taos | $1,083 |
| Hyundai Tucson | $1,086 |
| Kia Sportage | $1,087 |
| Nissan Kicks | $1,093 |
| Buick Encore GX | $1,093 |
| Honda Pilot | $1,096 |
| Mazda CX-30 | $1,097 |
| Subaru Crosstrek | $1,100 |
| Ford Escape | $1,101 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Kansas
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,075.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,075 |
| Honda Civic Si | $1,291 |
| Chevrolet Camaro | $1,320 |
| Ford Mustang | $1,437 |
| Subaru WRX | $1,460 |
| Subaru BRZ | $1,564 |
| Toyota GR86 | $1,602 |
| BMW Z4 | $1,672 |
| Toyota GR Supra | $1,680 |
| Honda Civic Type R | $1,711 |
| Toyota GR Corolla | $1,733 |
| Chevrolet Corvette | $1,858 |
| Chevrolet Camaro ZL1 | $1,859 |
| Porsche 718 Boxster | $1,859 |
| Porsche 718 Cayman | $2,231 |
| Jaguar F-Type | $2,302 |
| Chevrolet Corvette Z06 | $2,682 |
| Porsche 911 | $2,730 |
| Nissan Z | $2,748 |
| Porsche 911 GT3 | $2,974 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Kansas
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $1,186 for a six-month full coverage policy. The Cadillac XT4 and Volvo XC40 also have affordable insurance rates at $1,221 and $1,253, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,186 |
| Cadillac XT4 | $1,221 |
| Volvo XC40 | $1,253 |
| Cadillac XT5 | $1,255 |
| Lincoln Corsair | $1,280 |
| Audi Q3 | $1,287 |
| Mercedes-Benz GLA-Class | $1,296 |
| Acura MDX | $1,316 |
| BMW X3 | $1,339 |
| BMW X1 | $1,353 |
| BMW X2 | $1,380 |
| Lexus NX | $1,381 |
| Mercedes-Benz GLB-Class | $1,388 |
| Cadillac XT6 | $1,388 |
| Acura TLX | $1,390 |
| Lincoln Aviator | $1,396 |
| Volvo XC60 | $1,402 |
| Alfa-Romeo Tonale | $1,402 |
| Infiniti QX50 | $1,408 |
| Lexus RX | $1,409 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Kansas
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $3,772 annually, or $314 monthly.
The table below lists the most affordable EVs to insure in Kansas and their six-month average full coverage rates.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Hyundai Kona Electric | $1,124 |
| Mini Cooper Electric | $1,182 |
| Kia Niro EV | $1,233 |
| Nissan Leaf | $1,244 |
| Volkswagen ID.4 | $1,264 |
| Chevrolet Silverado EV | $1,301 |
| Subaru Solterra | $1,510 |
| Audi Q4 e-tron | $1,556 |
| Toyota Mirai | $1,561 |
| Toyota bZ4X | $1,580 |
| Ford F-150 Lightning | $1,593 |
| Genesis Electrified GV70 | $1,597 |
| Hyundai Ioniq 5 | $1,616 |
| Ford Mustang Mach-E | $1,650 |
| Kia EV9 | $1,651 |
| Mercedes-Benz EQB | $1,662 |
| Chevrolet Blazer EV | $1,669 |
| Volvo XC40 Recharge | $1,697 |
| Hyundai Ioniq 6 | $1,714 |
| Tesla Model 3 | $1,735 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Kansas
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Chrysler Voyager is $3,650, while insuring a Honda HR-V costs $3,682 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Kansas?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,124 for a six-month full coverage policy to insure the Hyundai Kona Electric, and you can expect to pay an average of $1,182 for the Mini Cooper Electric for the same coverage.
Which SUVs are the cheapest to insure in Kansas?
In Kansas, insuring a Honda HR-V SUV costs about $989 for six months, making it one of the most affordable options. The Honda CR-V and Toyota Corolla Cross also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Kansas?
The Chrysler Voyager, Honda HR-V, Honda CR-V and Chevrolet TrailBlazer are some of the cheapest cars to insure for 18-year-olds in Kansas. However, insuring models such as the Maserati Quattroporte, Maserati Ghibli and Audi e-tron GT can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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