- Average car insurance cost in Kansas City, KS is $2,736 per year, which is 20.8% more than the national average rate of $2,221.
- Kansas City auto insurance costs $286 per year more than the Kansas state average rate ($2,450) and $515 per year more than the U.S. national average ($2,221).
- Monthly car insurance rates for a few popular models include the Ram Truck at $264, Honda CR-V at $195, and Jeep Wrangler at $260.
- Small SUV models like the Kia Soul, Subaru Crosstrek, Buick Encore, and Honda CR-V are our top picks for having cheap car insurance in Kansas City, KS.
- A few models with the lowest cost auto insurance in Kansas City, KS, for their respective segments include the Mercedes-Benz CLA250, Subaru Crosstrek, Chevrolet Tahoe, and Acura RDX.
How much does Kansas City, KS, car insurance cost?
The average cost of car insurance in Kansas City, KS, is $2,736 per year, which is about $228 per month. Kansas City car insurance costs 20.8% more than the national average rate of $2,221.
In the state of Kansas, average auto insurance cost is $2,450 per year, so the cost in Kansas City averages $286 more per year. When prices are compared to other larger cities in Kansas, the average cost to insure a vehicle in Kansas City is approximately $182 per year more expensive than in Wichita, $368 per year more than in Overland Park, and $354 per year more expensive than in Topeka.
Driver age has the biggest impact on the price you pay for auto insurance. The list below illustrates these differences by showing average car insurance rates in Kansas City for drivers from 16 to 60.
Kansas City, Kansas, car insurance cost for drivers age 16 to 60
- 16 year old – $9,744 per year or $812 per month
- 17 year old – $9,440 per year or $787 per month
- 18 year old – $8,457 per year or $705 per month
- 19 year old – $7,701 per year or $642 per month
- 20 year old – $5,506 per year or $459 per month
- 30 year old – $2,920 per year or $243 per month
- 40 year old – $2,736 per year or $228 per month
- 50 year old – $2,424 per year or $202 per month
- 60 year old – $2,272 per year or $189 per month
The chart below shows average auto insurance cost in Kansas City broken out by driver age and physical damage deductibles. Rates are averaged for all 2024 vehicle models including luxury vehicles.
Average rates in the previous chart range from $1,920 per year for a 60-year-old driver with $1,000 physical damage deductibles to $6,400 per year for a 20-year-old driver with $250 deductibles. The average rate we use for comparison of different models and locations is a 40-year-old driver with $500 physical damage deductibles, which is an average cost of $2,736 per year.
As a monthly price, the average cost of auto insurance in Kansas City ranges from $160 to $533 for the same driver ages and deductibles shown in the previous chart.
Kansas City car insurance rates are different for every driver and are impacted by many factors. The potential for significant variability increases the need for multiple auto insurance quotes when shopping around for the cheapest car insurance in Kansas City.
Live on the other side of the river? See our Kansas City, MO, car insurance rate comparisons.
Average insurance cost for popular vehicles
The previous car insurance rates in this article take all 2024 models and come up with an average cost, which is suitable when making generalized comparisons like the difference in average auto insurance cost by location or driver age.
Average auto insurance rates are awesome when trying to find the answer to questions like “is Kansas City car insurance cheaper than Olathe?” or “are Kansas car insurance rates cheaper than in California?”.
For more accurate cost comparisons, however, the data will be better if we use rates for the specific vehicle being insured. Each vehicle model has it’s own unique characteristics for physical damage and liability claims, and this data provides the means to perform more detailed cost comparisons.
The chart below displays average insurance cost in Kansas City for the more popular models. Later on in this article, we will cover the cost of insuring some of these models in more detail.
The vehicles that are popular in Kansas City tend to be small or midsize sedans like the Nissan Sentra, Hyundai Elantra, and Honda Accord and small or midsize SUVs like the Nissan Rogue and Toyota Highlander.
Additional popular models from other vehicle segments include luxury SUVs like the Acura MDX, Infiniti QX60, and Lexus RX 350, luxury cars like the BMW 530i, Acura ILX, and Lexus ES 350, and pickup trucks like the Toyota Tacoma, Ford Ranger, and Chevy Silverado.
We get into additional rates a little farther down this article, but before that, let’s take a look at some of the ideas we covered earlier.
- Insurance rates fall considerably from age 20 to 30 – The average 30-year-old Kansas City, Kansas, driver will pay $2,586 less annually than a 20-year-old driver, $2,920 compared to $5,506.
- Kansas City car insurance prices are more expensive than the Kansas state average – $2,736 (Kansas City average) compared to $2,450 (Kansas average)
- Low deductibles cost more than high deductibles – A 40-year-old driver pays an average of $888 more per year for $250 deductibles compared to $1,000 deductibles.
- Insurance for teenagers is not cheap – Average cost ranges from $6,514 to $9,744 per year to insure a teenager in Kansas City.
- Teen girls pay cheaper rates than teenage males – Female drivers age 16 to 19 pay $1,187 to $643 less each year than their male counterparts.
- Kansas City, KS, car insurance costs more than the U.S. average – $2,736 (Kansas City average) versus $2,221 (U.S. average)
- Monthly car insurance cost ranges from $189 to $812 – That’s the average car insurance price range for insured drivers age 16 to 60 in Kansas City.
Which autos have the cheapest car insurance?
When comparing rates for all cars, SUVs, and pickups, the vehicles with the cheapest insurance quotes in Kansas City, KS, tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Toyota Corolla Cross, and Nissan Kicks. Average car insurance prices for those small SUVs cost $185 or less per month to have full coverage.
Examples of other models that have very good auto insurance prices in our car insurance price comparison are the Nissan Murano, Ford Bronco Sport, Subaru Outback, and Acura RDX. Average auto insurance rates are marginally higher for those models than the small SUVs and crossovers that rank at the top, but they still have average rates of $198 or less per month.
The next table shows the top 20 models with the cheapest car insurance rates in Kansas City, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $2,020 | $168 |
| 2 | Chevrolet Trailblazer | $2,056 | $171 |
| 3 | Kia Soul | $2,136 | $178 |
| 4 | Nissan Kicks | $2,154 | $180 |
| 5 | Honda Passport | $2,178 | $182 |
| 6 | Buick Envision | $2,192 | $183 |
| 7 | Toyota Corolla Cross | $2,206 | $184 |
| 8 | Hyundai Venue | $2,220 | $185 |
| 9 | Mazda CX-5 | $2,232 | $186 |
| 10 | Ford Bronco Sport | $2,240 | $187 |
| 11 | Volkswagen Tiguan | $2,264 | $189 |
| 12 | Acura RDX | $2,288 | $191 |
| 13 | Nissan Murano | $2,300 | $192 |
| 14 | Buick Encore | $2,324 | $194 |
| 15 | Subaru Outback | $2,330 | $194 |
| 16 | Honda CR-V | $2,334 | $195 |
| 17 | Buick Envista | $2,338 | $195 |
| 18 | Volkswagen Taos | $2,342 | $195 |
| 19 | Kia Niro | $2,356 | $196 |
| 20 | Toyota GR Corolla | $2,378 | $198 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Kansas City, KS Zip Codes. Updated June 27, 2025
A list of 20 vehicle models with cheap Kansas City car insurance is great if you’re just wanting the lowest rates. Considering the fact that we rate over 700 vehicles, there are a lot of rates not being shown. Let’s try a different approach and show the models with the cheapest rates in Kansas City in a more useful way, by segment.
This next section goes into the average cost of car insurance in Kansas City for each different automotive segment. The average rates shown will provide a decent understanding of which segments have the most affordable rates. After the chart, the next sections will break out the most affordable auto insurance for the primary segments.
Auto insurance rates by vehicle segment
If you’re shopping around for a different vehicle, it’s very useful to know which kinds of vehicles are more affordable to insure.
As an example, maybe you’re curious if SUVs cost less to insure than minivans or if regular SUVs are cheaper to insure than luxury SUVs.
The next chart shows average car insurance rates in Kansas City for different vehicle segments. Typically, compact SUVs, midsize trucks, and minivans have the most affordable average auto insurance rates, with luxury cars and sports cars having the most expensive average insurance cost.
Average car insurance rates by segment can be used for comparing estimates, but cost ranges considerably within each of the segments displayed in the chart above.
For example, in the midsize SUV segment, Kansas City auto insurance rates range from the Honda Passport at $2,178 per year to the Rivian R1S costing $3,362 per year. As another example, in the large SUV segment, rates range from the Chevrolet Tahoe at $2,570 per year up to the Toyota Sequoia at $3,422 per year.
In the next sections of the article, we will eliminate a lot of this variability by analyzing average car insurance cost from a model perspective.
Cheapest car insurance rates in Kansas City, KS
The three top-ranked non-luxury cars with the cheapest car insurance in Kansas City are the Toyota GR Corolla at $2,378 per year, the Nissan Leaf at $2,394 per year, and the Honda Civic at $2,422 per year.
Additional cars that have good average insurance rates include the Honda Accord, Chevrolet Malibu, Toyota Prius, and Kia K5, with average insurance cost of $2,664 per year or less.
Additional 2024 models that make the list include the Subaru Legacy, Kia Forte, Nissan Versa, and Volkswagen Jetta, which average between $2,664 and $2,826 per year for full-coverage insurance.
From a cost per month standpoint, car insurance in Kansas City on this segment for a good driver will start around $198 per month, depending on the company.
The comparison table below ranks the twenty cars with the cheapest auto insurance rates in Kansas City, starting with the Toyota GR Corolla at $2,378 per year ($198 per month) and ending with the Mazda 3 at $2,826 per year ($236 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,378 | $198 |
| Nissan Leaf | Compact | $2,394 | $200 |
| Honda Civic | Compact | $2,422 | $202 |
| Nissan Sentra | Compact | $2,506 | $209 |
| Subaru Impreza | Compact | $2,514 | $210 |
| Toyota Prius | Compact | $2,556 | $213 |
| Kia K5 | Midsize | $2,634 | $220 |
| Honda Accord | Midsize | $2,642 | $220 |
| Chevrolet Malibu | Midsize | $2,652 | $221 |
| Toyota Corolla | Compact | $2,664 | $222 |
| Kia Forte | Compact | $2,670 | $223 |
| Volkswagen Arteon | Midsize | $2,688 | $224 |
| Nissan Versa | Compact | $2,696 | $225 |
| Subaru Legacy | Midsize | $2,698 | $225 |
| Hyundai Ioniq 6 | Midsize | $2,722 | $227 |
| Mitsubishi Mirage G4 | Compact | $2,760 | $230 |
| Volkswagen Jetta | Compact | $2,766 | $231 |
| Toyota Crown | Midsize | $2,768 | $231 |
| Hyundai Sonata | Midsize | $2,772 | $231 |
| Mazda 3 | Compact | $2,826 | $236 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Kansas City, KS Zip Codes. Updated June 26, 2025
For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Kansas.
Cheapest SUVs to insure in Kansas City, Kansas
The cheapest SUVs to insure in Kansas City are the Subaru Crosstrek at $2,020 per year, the Chevrolet Trailblazer at $2,056 per year, and the Kia Soul at $2,136 per year.
Not the cheapest in the list, but still ranking well, are SUVs like the Ford Bronco Sport, Hyundai Venue, Mazda CX-5, and Buick Envision, with an average car insurance cost of $2,240 per year or less.
Ranked lower than 10th place, but still in the top 20, models like the Honda HR-V, Nissan Murano, Buick Envista, Volkswagen Tiguan, and Honda CR-V average between $2,240 and $2,382 per year to insure.
Full-coverage car insurance for this segment in Kansas City will start around $168 per month, depending on your company and location. The comparison table below ranks the twenty SUVs with the cheapest average auto insurance rates in Kansas City, starting with the Subaru Crosstrek at $2,020 per year and ending with the Subaru Ascent at $2,382 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $2,020 | $168 |
| Chevrolet Trailblazer | Compact | $2,056 | $171 |
| Kia Soul | Compact | $2,136 | $178 |
| Nissan Kicks | Compact | $2,154 | $180 |
| Honda Passport | Midsize | $2,178 | $182 |
| Buick Envision | Compact | $2,192 | $183 |
| Toyota Corolla Cross | Compact | $2,206 | $184 |
| Hyundai Venue | Compact | $2,220 | $185 |
| Mazda CX-5 | Compact | $2,232 | $186 |
| Ford Bronco Sport | Compact | $2,240 | $187 |
| Volkswagen Tiguan | Compact | $2,264 | $189 |
| Nissan Murano | Midsize | $2,300 | $192 |
| Buick Encore | Compact | $2,324 | $194 |
| Subaru Outback | Midsize | $2,330 | $194 |
| Honda CR-V | Compact | $2,334 | $195 |
| Buick Envista | Midsize | $2,338 | $195 |
| Volkswagen Taos | Compact | $2,342 | $195 |
| Kia Niro | Compact | $2,356 | $196 |
| Honda HR-V | Compact | $2,380 | $198 |
| Subaru Ascent | Midsize | $2,382 | $199 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Kansas City, KS Zip Codes. Updated June 27, 2025
For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.
Don’t see rates for your SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Kansas City car insurance quotes from top-rated auto insurance companies in Kansas.
Cheapest luxury cars to insure in Kansas City, KS
The Acura Integra takes the #1 ranking as the cheapest luxury car to insure in Kansas City, followed closely by the BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. The 2024 model averages $2,434 per year to insure with full coverage.
Also ranking well in our comparison are cars like the Genesis G70, Lexus ES 350, Cadillac CT4, and Lexus RC 300, with an average cost to insure of $2,876 per year or less.
Ranked lower than 10th place, but still in the top 20, cars like the BMW 228i, Jaguar XF, BMW 330e, Cadillac CT5, and Lexus IS 350 cost between $2,876 and $3,068 per year to insure in Kansas City.
From a cost per month standpoint, full-coverage auto insurance in this segment can cost as low as $203 per month, depending on your location and insurance company. The next table ranks the cars with the lowest-cost average insurance rates in Kansas City, starting with the Acura Integra at $203 per month and ending with the Audi S3 at $256 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,434 | $203 |
| BMW 330i | Compact | $2,786 | $232 |
| Mercedes-Benz CLA250 | Midsize | $2,816 | $235 |
| Lexus IS 300 | Midsize | $2,822 | $235 |
| Acura TLX | Compact | $2,832 | $236 |
| Lexus ES 350 | Midsize | $2,856 | $238 |
| Cadillac CT4 | Compact | $2,858 | $238 |
| Genesis G70 | Compact | $2,864 | $239 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,870 | $239 |
| Lexus RC 300 | Midsize | $2,876 | $240 |
| Lexus IS 350 | Compact | $2,888 | $241 |
| Jaguar XF | Midsize | $2,896 | $241 |
| Cadillac CT5 | Midsize | $2,948 | $246 |
| Lexus ES 250 | Midsize | $2,960 | $247 |
| BMW 330e | Compact | $2,970 | $248 |
| Lexus RC 350 | Compact | $2,970 | $248 |
| BMW 228i | Compact | $2,974 | $248 |
| BMW 230i | Compact | $2,998 | $250 |
| Lexus ES 300h | Midsize | $3,002 | $250 |
| Audi S3 | Compact | $3,068 | $256 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Kansas City, KS Zip Codes. Updated June 27, 2025
See our guide for luxury car insurance to view any vehicles not shown in the table.
Need rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Kansas City car insurance quotes from top auto insurance companies in Kansas.
Cheapest luxury SUV insurance rates in Kansas City, Kansas
The top five models for the most affordable Kansas City auto insurance rates in the luxury SUV segment are the Jaguar E-Pace, Acura RDX, Cadillac XT4, Lexus NX 250, and Cadillac XT5. Auto insurance quotes for these vehicles average $215 or less per month.
Additional models that have good average insurance rates are the Lexus NX 350h, Mercedes-Benz GLB 250, Lexus UX 250h, and Lincoln Corsair, with an average cost to insure of $2,638 per year or less.
Additional 2024 luxury models that made the list include the Lexus RX 350, Cadillac XT6, Mercedes-Benz AMG GLB35, Infiniti QX60, and Infiniti QX50, which cost between $2,638 and $2,746 per year for full-coverage insurance.
Car insurance rates for this segment in Kansas City for a safe driver will start around $191 per month, depending on where you live.
The cheapest small luxury SUV to insure in Kansas City is the Acura RDX at $2,288 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $2,558 per year. And for large luxury SUVs, the Infiniti QX80 is cheapest to insure at $3,068 per year.
The next table ranks the twenty SUVs with the most affordable insurance rates in Kansas City, starting with the Acura RDX at $2,288 per year ($191 per month) and ending with the Lexus RX 350 at $2,746 per year ($229 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,288 | $191 |
| Lexus NX 250 | Compact | $2,422 | $202 |
| Cadillac XT4 | Compact | $2,470 | $206 |
| Jaguar E-Pace | Midsize | $2,558 | $213 |
| Cadillac XT5 | Midsize | $2,582 | $215 |
| Lexus NX 350h | Compact | $2,582 | $215 |
| Lincoln Corsair | Compact | $2,614 | $218 |
| Mercedes-Benz GLB 250 | Compact | $2,618 | $218 |
| Lexus UX 250h | Compact | $2,622 | $219 |
| Lexus NX 450h | Compact | $2,638 | $220 |
| Infiniti QX50 | Midsize | $2,658 | $222 |
| Mercedes-Benz GLA250 | Compact | $2,668 | $222 |
| Cadillac XT6 | Midsize | $2,678 | $223 |
| Mercedes-Benz GLA35 AMG | Compact | $2,678 | $223 |
| Infiniti QX60 | Midsize | $2,692 | $224 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,694 | $225 |
| Land Rover Evoque | Compact | $2,730 | $228 |
| Acura MDX | Midsize | $2,734 | $228 |
| Lexus NX 350 | Compact | $2,744 | $229 |
| Lexus RX 350 | Midsize | $2,746 | $229 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Kansas City, KS Zip Codes. Updated June 26, 2025
For more car insurance comparisons, see our guide for luxury SUV insurance.
Need rates for a different luxury SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Kansas City car insurance quotes from the best companies in Kansas.
Cheapest sports cars to insure in Kansas City, KS
Ranking at the top of the list for the lowest-cost Kansas City car insurance rates in the sports car segment are the BMW Z4, Ford Mustang, Mazda MX-5 Miata, Toyota GR86, and Subaru WRX. Auto insurance prices for these models average $3,068 or less per year, or around $256 per month.
Not the cheapest sports cars to insure, but still affordable, are models like the Nissan Z, BMW M2, Lexus RC F, and Toyota GR Supra, with an average cost of $3,270 per year or less.
Ranked between 10th and 20th place, models like the Lexus LC 500, Porsche 718, Jaguar F-Type, Porsche Taycan, BMW M4, and Chevrolet Camaro cost between $3,270 and $4,632 per year to insure.
As a cost per month, car insurance rates on this segment in Kansas City can cost as low as $211 per month, depending on where you live and the company you use. The rate comparison table below ranks the sports cars with the most affordable insurance rates in Kansas City.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,532 | $211 |
| Toyota GR86 | Sports Car | $2,884 | $240 |
| Ford Mustang | Sports Car | $3,004 | $250 |
| BMW Z4 | Sports Car | $3,020 | $252 |
| Subaru WRX | Sports Car | $3,068 | $256 |
| Toyota GR Supra | Sports Car | $3,072 | $256 |
| BMW M2 | Sports Car | $3,162 | $264 |
| Nissan Z | Sports Car | $3,168 | $264 |
| Lexus RC F | Sports Car | $3,234 | $270 |
| Subaru BRZ | Sports Car | $3,270 | $273 |
| BMW M3 | Sports Car | $3,454 | $288 |
| Porsche 718 | Sports Car | $3,522 | $294 |
| Chevrolet Camaro | Sports Car | $3,554 | $296 |
| Chevrolet Corvette | Sports Car | $3,790 | $316 |
| Porsche 911 | Sports Car | $3,920 | $327 |
| BMW M4 | Sports Car | $4,082 | $340 |
| Lexus LC 500 | Sports Car | $4,104 | $342 |
| Jaguar F-Type | Sports Car | $4,316 | $360 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,530 | $378 |
| Porsche Taycan | Sports Car | $4,632 | $386 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Kansas City, KS Zip Codes. Updated June 27, 2025
Is your vehicle not in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Kansas.
Cheapest pickups to insure in Kansas City, KS
The four most affordable pickup trucks to insure in Kansas City are the Chevrolet Colorado at $2,410 per year, Nissan Titan at $2,558 per year, Nissan Frontier at $2,584 per year, and Ford Ranger at $2,614 per year.
Other pickups that have cheaper rates are the GMC Canyon, Toyota Tacoma, GMC Sierra 2500 HD, and Hyundai Santa Cruz, with an average cost of $2,814 per year or less.
Auto insurance rates in this segment for a safe driver starts at around $201 per month, depending on the company and where you live. The next table ranks the pickups with the cheapest average insurance rates in Kansas City, starting with the Chevrolet Colorado at $2,410 per year ($201 per month) and ending with the Ram Truck at $3,162 per year ($264 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,410 | $201 |
| Nissan Titan | Full-size | $2,558 | $213 |
| Nissan Frontier | Midsize | $2,584 | $215 |
| Ford Ranger | Midsize | $2,614 | $218 |
| Ford Maverick | Midsize | $2,652 | $221 |
| Honda Ridgeline | Midsize | $2,712 | $226 |
| Hyundai Santa Cruz | Midsize | $2,758 | $230 |
| Toyota Tacoma | Midsize | $2,770 | $231 |
| GMC Sierra 2500 HD | Heavy Duty | $2,782 | $232 |
| GMC Canyon | Midsize | $2,814 | $235 |
| Jeep Gladiator | Midsize | $2,880 | $240 |
| GMC Sierra 3500 | Heavy Duty | $2,896 | $241 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,922 | $244 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $3,004 | $250 |
| GMC Sierra | Full-size | $3,020 | $252 |
| Chevrolet Silverado | Full-size | $3,022 | $252 |
| Nissan Titan XD | Heavy Duty | $3,024 | $252 |
| Ford F150 | Full-size | $3,060 | $255 |
| GMC Hummer EV Pickup | Full-size | $3,136 | $261 |
| Ram Truck | Full-size | $3,162 | $264 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Kansas City, KS Zip Codes. Updated June 27, 2025
See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.
Don’t see your truck in the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Kansas.
What to expect when buying Kansas City, KS, car insurance
To reinforce the amount that car insurance prices can change from one driver to the next (and also emphasize the importance of accurate price quotes), the sections below present detailed auto insurance rates for four popular models in Kansas City: the Ram Truck, Honda Civic, Honda CR-V, and Toyota Highlander.
Each vehicle example uses different driver and policy risk profiles to illustrate the possible price variation based on driver risk or policy deductible limits.
Ram Truck insurance rates
Insurance for a Ram Truck in Kansas City averages $3,162 per year, or about $264 per month, and has a range of $2,622 to $7,286.
The Ram Truck belongs to the full-size truck segment, and other models from that segment that are popular in Kansas City, Kansas, include the Chevrolet Silverado, GMC Sierra, and Toyota Tundra.
Honda Civic insurance rates
Insurance for a Honda Civic in Kansas City averages $2,422 per year, or about $202 per month, and has a range of $2,016 to $5,496.
The Honda Civic is considered a compact car, and other similar models from the same segment include the Nissan Sentra, Toyota Corolla, Chevrolet Cruze, and Hyundai Elantra.
Honda CR-V insurance rates
Honda CR-V insurance in Kansas City costs an average of $2,334 per year, or about $195 per month, and has a range of $1,938 to $5,360.
The Honda CR-V is considered a compact SUV, and additional similar models include the Toyota RAV4, Chevrolet Equinox, and Ford Escape.
Toyota Highlander insurance rates
Toyota Highlander insurance in Kansas City averages $2,488 per year ($207 per month) and has a range of $2,068 to $5,688 per year.
The Toyota Highlander is part of the midsize SUV segment, and additional similar models from the same segment include the Jeep Grand Cherokee, Ford Edge, and Ford Explorer.
Tips for saving money on auto insurance
Shrewd drivers in Kansas City are always looking to pay less for car insurance, so study the savings concepts below and it’s very possible you can save a few dollars on your next renewal or new policy.
- Being a cautious driver saves money. Having a few at-fault accidents can really raise rates, possibly up to $3,906 per year for a 20-year-old driver and even as much as $670 per year for a 60-year-old driver. So be safe and save.
- Research policy discounts to lower the cost. Discounts may be available if the insureds work in certain occupations, are senior citizens, are military or federal employees, are good students, or many other policy discounts which could save the average Kansas City driver as much as $464 per year on their insurance cost.
- Consider buying higher deductibles. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
- Your profession could reduce your rates. The vast majority of insurance companies offer policy discounts for working in professions like police officers and law enforcement, nurses, lawyers, high school and elementary teachers, college professors, doctors, and others. Getting this discount could save between $82 and $266 on your insurance premium, depending on the policy coverages selected.
- Excellent credit scores get the best rates. Insureds with excellent credit scores of 800+ could save a minimum of $430 per year when compared to a good rating of 670-739. Conversely, a credit rating below 579 could cost up to $498 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Reduce coverage on older vehicles. Removing physical damage coverage from vehicles whose low value makes coverage cost prohibitive can reduce the cost of car insurance substantially.