In Kansas, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Kansas by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Kansas
Our analysis shows that the Honda HR-V and the Hyundai Venue have the lowest average insurance costs in Kansas, with Honda CR-V and Chrysler Voyager close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Kansas and their average six-month full coverage insurance 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
Our data shows that Subaru Legacy is the most affordable sedan to insure in Kansas. Its average six-month full coverage cost is $1,110 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Nissan Versa takes the second spot at $1,115, while the Nissan Sentra comes in third with an average cost of $1,152.
The table below shows the cheapest sedans to insure in Kansas and their average full coverage six-month costs.
| 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
In Kansas, the Honda HR-V and Honda CR-V are some of the most affordable SUVs to insure with an average six-month full coverage cost of $989 and $1,018 respectively. See the table below for the complete list of affordable SUVs to insure.
| 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
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $1,075.
The table below compares car insurance rates for different sports cars in Kansas
| 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 also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $1,186 for a full coverage six-month policy. It is followed by the Cadillac XT4 ($1,221) and Volvo XC40 ($1,253).
The table below shows the full coverage six-month average premiums for different luxury vehicles 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
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $3,650 to insure a Chrysler Voyager, while insuring a Honda HR-V costs $3,682 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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?
The Honda HR-V is one of the cheapest SUVs to insure in Kansas, with an average cost of $989 for a six-month car insurance plan. The Honda CR-V and Toyota Corolla Cross also come with relatively low insurance premiums.
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 among the most affordable cars to insure for 18-year-old drivers in Kansas. On the other hand, vehicles like the Maserati Quattroporte, Maserati Ghibli and Audi e-tron GT come with higher insurance costs for young drivers.
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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