Car Insurance in Kansas City, MO – Cheapest Rates (2025) + Rankings

Is auto insurance expensive in Kansas City? We break down six popular automotive segments to find the vehicles with the cheapest Kansas City car insurance.

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What is average car insurance cost in Kansas City?

The average price for car insurance in Kansas City is $2,822 per year, which is 23.8% more than the national average rate of $2,221. Car insurance in Kansas City per month costs around $235 for a full-coverage car insurance policy.

The average car insurance expense in Missouri is $2,698 per year, so Kansas City drivers pay an average of $124 more per year than the overall Missouri state-wide average rate. The average cost to insure a vehicle in Kansas City compared to other Missouri cities is about $532 per year less than in St. Louis, $118 per year more than in Independence, and $304 per year more than in Springfield.

The age of the driver is the largest factor that influences the price you pay for auto insurance, so the list below illustrates this by breaking out average car insurance rates for driver ages from 16 to 60.

Kansas City car insurance cost by driver age

  • 16-year-old rated driver – $10,049 per year or $837 per month
  • 17-year-old rated driver – $9,734 per year or $811 per month
  • 18-year-old rated driver – $8,725 per year or $727 per month
  • 19-year-old rated driver – $7,946 per year or $662 per month
  • 20-year-old rated driver – $5,678 per year or $473 per month
  • 30-year-old rated driver – $3,010 per year or $251 per month
  • 40-year-old rated driver – $2,822 per year or $235 per month
  • 50-year-old rated driver – $2,500 per year or $208 per month
  • 60-year-old rated driver – $2,342 per year or $195 per month

The next chart goes into more detail for drivers age 20 to 60 by showing a range of rates for a variety of driver ages and common risk profiles.

Average car insurance rates in Kansas City for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Kansas City for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Kansas City includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Kansas City, MO
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,488$541
Safe Driver Age 20$5,678$473
At-fault Accidents Age 40$3,996$333
Low Deductibles Age 40$3,692$308
Safe Driver Age 30$3,010$251
Safe Driver Age 40$2,822$235
Safe Driver Age 50$2,500$208
High Deductibles Age 40$2,372$198
Discount Rate Age 40$2,344$195
Safe Driver Age 60$2,342$195

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

Average car insurance rates in the prior chart range from $2,344 per year for a 40-year-old driver who meets the requirements for many policy discounts to $6,488 per year for a 30-year-old driver with a lot of violations and accidents.

When the rates in the chart are converted for monthly budgeting, the average cost of car insurance per month in Kansas City ranges from $195 to $541.

The car insurance costs referenced previously take the cost to insure each 2024 vehicle model and average them, which is handy when making big picture comparisons such as the difference in average auto insurance cost for two different locations in Missouri. Average auto insurance rates work very well when presented with a question like “is car insurance cheaper in Kansas City or Springfield?” or “are Missouri car insurance rates cheaper than in California?”.

For more useful price comparisons, however, the data will be better if we compare rates for the specific vehicle being insured. Each individual model has unique characteristics for physical damage and liability claims, and this data allows us to make detailed insurance cost comparisons.

This next chart details average insurance rates for the more popular models you’ll see on the streets of Kansas City.

Average cost to insure popular 2024 model year vehicles in Kansas City.
Figure 2: Average cost to insure popular 2024 model year vehicles in Kansas City. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Kansas City Zip Codes.

Kansas City Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$2,082$174
Honda CR-V$2,406$201
Honda HR-V$2,454$205
Honda Civic$2,496$208
Subaru Forester$2,508$209
Nissan Rogue$2,534$211
Ford Explorer$2,560$213
Nissan Sentra$2,586$216
Chevrolet Equinox$2,596$216
Toyota RAV4$2,602$217
Honda Pilot$2,746$229
Toyota Corolla$2,748$229
Hyundai Santa Fe$2,870$239
Toyota 4Runner$3,022$252
Toyota Camry$3,028$252
Hyundai Elantra$3,066$256
Ford Mustang$3,102$259
GMC Sierra$3,114$260
Chevrolet Silverado$3,120$260
Ford Bronco$3,128$261
Ford F150$3,158$263
Jeep Wrangler$3,222$269
Ram Truck$3,262$272
Chevrolet Corvette$3,908$326

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 for the 2024 model year and also for all Kansas City, MO Zip Codes. Updated June 27, 2025

In Kansas City, which vehicles are cheapest to insure?

When comparing rates for all vehicles, the models with the cheapest auto insurance rates in Kansas City, MO, tend to be crossovers and small SUVs like the Kia Soul, Chevrolet Trailblazer, and Buick Envision.

Average auto insurance quotes for those models cost $2,292 or less per year ($191 per month) for full coverage car insurance.

Some other vehicles that rank towards the top in the cost comparison table are the Volkswagen Tiguan, Ford Bronco Sport, Volkswagen Taos, and Acura RDX. Insurance rates are slightly more for those models than the cheapest small SUVs and crossovers that rank at the top, but they still have an average cost of $2,454 or less per year, or around $205 per month in Kansas City.

The next table lists the 25 cars, trucks, and SUVs with the cheapest insurance rates in Kansas City, sorted by annual and monthly insurance cost.

Top 25 Cheapest Automobiles to Insure in Kansas City
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,082$174
2Chevrolet Trailblazer$2,122$177
3Kia Soul$2,202$184
4Nissan Kicks$2,222$185
5Honda Passport$2,248$187
6Buick Envision$2,258$188
7Toyota Corolla Cross$2,274$190
8Hyundai Venue$2,292$191
9Mazda CX-5$2,300$192
10Ford Bronco Sport$2,310$193
11Volkswagen Tiguan$2,332$194
12Acura RDX$2,356$196
13Nissan Murano$2,370$198
14Buick Encore$2,396$200
15Subaru Outback$2,402$200
16Honda CR-V$2,406$201
17Buick Envista$2,410$201
18Volkswagen Taos$2,416$201
19Kia Niro$2,430$203
20Toyota GR Corolla$2,450$204
21Honda HR-V$2,454$205
22Subaru Ascent$2,454$205
23Nissan Leaf$2,468$206
24Chevrolet Colorado$2,484$207
25Lexus NX 250$2,494$208

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, MO Zip Codes. Updated June 27, 2025

Top 25 cheapest vehicles to insure in Kansas City, MO with the Subaru Crosstrek ranking first at $2,082 per year
Top 25 cheapest vehicles to insure in Kansas City, MO with the Subaru Crosstrek ranking first at $2,082 per year

A table of 25 vehicle models with cheap Kansas City car insurance is not the best way to show a full summary of Kansas City insurance rates. Considering we track over 700 makes and models of vehicles, that means only about 4% of vehicles are shown. Let’s take a different approach and break out the vehicles with the best rates in a more useful format, by automotive segment.

The next section details the average price of car insurance in Kansas City for each vehicle segment. The average rates shown in the chart should provide a decent understanding of which vehicles have the least expensive auto insurance rates in Kansas City. The sections after the chart show the cheapest rates for individual models in the most popular segments.

Kansas City auto insurance rates by vehicle segment

If you’re shopping for a new or “new to you” vehicle, it is useful to know which categories of vehicles are cheaper to insure.

For instance, some people wonder if compact SUVs have cheaper auto insurance than minivans or if luxury models cost more to insure than regular vehicles.

The chart below displays average car insurance cost by vehicle segment in Kansas City. When looking at rates from a segment perspective, compact and midsize SUVs, vans, and midsize pickups tend to have the cheapest rates, with luxury cars and sports cars having the highest average cost of insurance.

Car insurance average cost by automotive segment in Kansas City, MO.
Figure 3: Car insurance average cost by automotive segment in Kansas City, MO. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Kansas City Zip Codes.

Car Insurance Rates by Automotive Segment in Kansas City, MO
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,592$216
Midsize SUV$2,784$232
Compact Car$2,788$232
Minivan$2,792$233
Midsize Pickup$2,848$237
Midsize Car$2,876$240
Compact Luxury SUV$3,056$255
Compact Luxury Car$3,104$259
Large SUV$3,114$260
Half-ton Pickup$3,128$261
Heavy Duty Pickup$3,242$270
Midsize Luxury SUV$3,348$279
Midsize Luxury Car$3,462$289
Sports Car$3,880$323
Large Car$4,056$338
Large Luxury SUV$4,364$364
Large Luxury Car$4,512$376

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 2024 model year vehicles and also for all Kansas City, MO Zip Codes. Updated June 27, 2025

Average rates for different segments are good enough for getting an initial comparison, but the insurance cost for specific vehicles ranges quite a lot within each of the segments listed in the above chart.

For example, in the small SUV segment, auto insurance rates in Kansas City range from the Subaru Crosstrek at $2,082 per year for a full coverage policy up to the Ford Mustang Mach-E at $3,298 per year, a difference of $1,216 within that segment. As another example, in the large luxury SUV segment, the average cost of insurance ranges from the Infiniti QX80 costing $3,164 per year up to the Mercedes-Benz G63 AMG at $6,064 per year.

In the next sections, we eliminate a lot of this variability by looking at car insurance cost in Kansas City for individual models.

Cheapest cars to insure in Kansas City

The lowest-cost 2-door and 4-door sedans and hatchbacks to insure in Kansas City are the Toyota GR Corolla at $2,450 per year, the Nissan Leaf at $2,468 per year, and the Honda Civic at $2,496 per year.

Also ranking in the top 10 are models like the Toyota Corolla, Toyota Prius, Chevrolet Malibu, and Kia K5, with an average car insurance cost of $2,748 per year or less.

Full-coverage insurance in Kansas City for this segment for the average driver will start around $204 per month, depending on where you live.

The cheapest compact car to insure in Kansas City is the Toyota GR Corolla at $2,450 per year. For midsize 2024 models, the Kia K5 has the best rates at $2,716 per year. And for full-size non-luxury cars, the Chrysler 300 has the cheapest rates at $2,688 per year.

The next table ranks the twenty cars with the cheapest average insurance rates in Kansas City, starting with the Toyota GR Corolla at $2,450 per year ($204 per month) and ending with the Mazda 3 at $2,916 per year ($243 per month).

Cheapest Car Insurance in Kansas City
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,450$204
Nissan LeafCompact$2,468$206
Honda CivicCompact$2,496$208
Nissan SentraCompact$2,586$216
Subaru ImprezaCompact$2,592$216
Toyota PriusCompact$2,638$220
Kia K5Midsize$2,716$226
Honda AccordMidsize$2,724$227
Chevrolet MalibuMidsize$2,736$228
Toyota CorollaCompact$2,748$229
Kia ForteCompact$2,754$230
Volkswagen ArteonMidsize$2,770$231
Nissan VersaCompact$2,780$232
Subaru LegacyMidsize$2,782$232
Hyundai Ioniq 6Midsize$2,808$234
Mitsubishi Mirage G4Compact$2,846$237
Toyota CrownMidsize$2,854$238
Volkswagen JettaCompact$2,854$238
Hyundai SonataMidsize$2,858$238
Mazda 3Compact$2,916$243

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, MO Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Kansas City, MO, with the Toyota GR Corolla ranking first at $2,450 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Kansas City, MO, with the Toyota GR Corolla ranking first at $2,450 per year.

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Need rates for a different vehicle? 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 top-rated auto insurance companies in Missouri.

Cheapest SUVs to insure in Kansas City

The five most budget-friendly SUVs to insure in Kansas City are the Subaru Crosstrek, Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. Average insurance rates for for these models range from $2,082 to $2,248 per year.

Other models that have cheaper rates include the Hyundai Venue, Toyota Corolla Cross, Ford Bronco Sport, and Buick Envision, with average annual insurance rates of $2,310 per year or less.

In the bottom half of the top 20, models like the Honda CR-V, Subaru Ascent, Honda HR-V, Kia Niro, Subaru Outback, and Volkswagen Tiguan average between $2,310 and $2,454 per year for auto insurance in Kansas City.

From a cost per month standpoint, full-coverage car insurance in this segment for the average driver will start around $174 per month, depending on the company and where you live.

If prices are ranked by vehicle size, the lowest-cost non-luxury compact SUV to insure in Kansas City is the Subaru Crosstrek at $2,082 per year, or $174 per month. For midsize SUVs, the Honda Passport has the cheapest rates at $2,248 per year, or $187 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe is most affordable to insure at $2,650 per year, or $221 per month.

The next table ranks the SUVs with the most affordable average auto insurance rates in Kansas City, starting with the Subaru Crosstrek at $174 per month and ending with the Subaru Ascent at $205 per month.

Cheapest SUV Insurance in Kansas City
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,082$174
Chevrolet TrailblazerCompact$2,122$177
Kia SoulCompact$2,202$184
Nissan KicksCompact$2,222$185
Honda PassportMidsize$2,248$187
Buick EnvisionCompact$2,258$188
Toyota Corolla CrossCompact$2,274$190
Hyundai VenueCompact$2,292$191
Mazda CX-5Compact$2,300$192
Ford Bronco SportCompact$2,310$193
Volkswagen TiguanCompact$2,332$194
Nissan MuranoMidsize$2,370$198
Buick EncoreCompact$2,396$200
Subaru OutbackMidsize$2,402$200
Honda CR-VCompact$2,406$201
Buick EnvistaMidsize$2,410$201
Volkswagen TaosCompact$2,416$201
Kia NiroCompact$2,430$203
Honda HR-VCompact$2,454$205
Subaru AscentMidsize$2,454$205

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, MO Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Kansas City, MO, with the Subaru Crosstrek ranking first at $2,082 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Kansas City, MO, with the Subaru Crosstrek ranking first at $2,082 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the list? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Missouri.

Cheapest pickup insurance rates in Kansas City

The three top-ranked pickups with the most affordable car insurance in Kansas City are the Chevrolet Colorado at $2,484 per year, the Nissan Titan at $2,638 per year, and the Nissan Frontier at $2,668 per year.

Other pickups that have good average insurance rates include the GMC Sierra 2500 HD, GMC Canyon, Hyundai Santa Cruz, and Toyota Tacoma, with average cost of $2,900 per year or less.

From a cost per month standpoint, full-coverage car insurance in this segment for a good driver starts at around $207 per month, depending on your location and insurance company. The comparison table below ranks the twenty pickups with the cheapest auto insurance rates in Kansas City.

Cheapest Pickup Insurance in Kansas City
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,484$207
Nissan TitanFull-size$2,638$220
Nissan FrontierMidsize$2,668$222
Ford RangerMidsize$2,694$225
Ford MaverickMidsize$2,736$228
Honda RidgelineMidsize$2,798$233
Hyundai Santa CruzMidsize$2,846$237
Toyota TacomaMidsize$2,858$238
GMC Sierra 2500 HDHeavy Duty$2,870$239
GMC CanyonMidsize$2,900$242
Jeep GladiatorMidsize$2,972$248
GMC Sierra 3500Heavy Duty$2,990$249
Chevrolet Silverado HD 3500Heavy Duty$3,016$251
Chevrolet Silverado HD 2500Heavy Duty$3,096$258
GMC SierraFull-size$3,114$260
Nissan Titan XDHeavy Duty$3,118$260
Chevrolet SilveradoFull-size$3,120$260
Ford F150Full-size$3,158$263
GMC Hummer EV PickupFull-size$3,236$270
Ram TruckFull-size$3,262$272

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, MO Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Kansas City, MO, with the Chevrolet Colorado ranking first at $2,484 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Kansas City, MO, with the Chevrolet Colorado ranking first at $2,484 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see insurance cost for your pickup? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Kansas City car insurance quotes from the best auto insurance companies in Missouri.

Cheapest luxury car insurance rates in Kansas City

The top-ranked model in Kansas City for the lowest-cost insurance in the luxury car segment is the Acura Integra, with a cost of $2,508 per year. Second place is the BMW 330i costing $2,872 per year, in third place is the Mercedes-Benz CLA250, costing an average of $2,904 per year, and in fourth place is the Lexus IS 300, at an average of $2,906 per year.

Also ranking well in our comparison are models like the Mercedes-Benz AMG CLA35, Lexus ES 350, Cadillac CT4, and Genesis G70, with average insurance cost of $2,966 per year or less.

Some additional 2024 luxury models on the list include the BMW 230i, BMW 228i, Lexus IS 350, and Jaguar XF, which average between $2,966 and $3,164 per year to insure in Kansas City.

As a cost per month, full-coverage car insurance in Kansas City on this segment for a safe driver can cost as low as $209 per month, depending on your company and location.

The most affordable small luxury car to insure in Kansas City is the Acura Integra at $2,508 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is cheapest to insure at $2,904 per year. And for large luxury cars, the Audi A5 is cheapest to insure at $3,352 per year.

The table below ranks the cars with the most affordable insurance rates in Kansas City, starting with the Acura Integra at $209 per month and ending with the Audi S3 at $264 per month.

Cheapest Luxury Car Insurance in Kansas City
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,508$209
BMW 330iCompact$2,872$239
Mercedes-Benz CLA250Midsize$2,904$242
Lexus IS 300Midsize$2,906$242
Acura TLXCompact$2,920$243
Cadillac CT4Compact$2,946$246
Lexus ES 350Midsize$2,946$246
Genesis G70Compact$2,954$246
Mercedes-Benz AMG CLA35Midsize$2,960$247
Lexus RC 300Midsize$2,966$247
Lexus IS 350Compact$2,978$248
Jaguar XFMidsize$2,986$249
Cadillac CT5Midsize$3,040$253
Lexus ES 250Midsize$3,052$254
BMW 330eCompact$3,062$255
Lexus RC 350Compact$3,062$255
BMW 228iCompact$3,066$256
BMW 230iCompact$3,092$258
Lexus ES 300hMidsize$3,094$258
Audi S3Compact$3,164$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, MO Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Kansas City, MO, with the Acura Integra ranking first at $2,508 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Kansas City, MO, with the Acura Integra ranking first at $2,508 per year.

See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

Don’t see rates for your luxury car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Missouri.

Cheapest luxury SUV insurance rates in Kansas City

Ranked at #1 in Kansas City for the most affordable average insurance rates in the luxury SUV segment is the Acura RDX, costing $2,356 per year. Second place is the Lexus NX 250 at $2,494 per year, and coming in third is the Cadillac XT4, at an average of $2,548 per year.

Additional luxury SUVs that rank well in our comparison are the Lexus UX 250h, Mercedes-Benz GLB 250, Lexus NX 450h, and Lexus NX 350h, with average cost of $2,718 per year or less.

In the bottom half of the top 20, SUVs like the Mercedes-Benz GLA250, Infiniti QX50, Lexus RX 350, Cadillac XT6, Lexus NX 350, and Mercedes-Benz GLA35 AMG average between $2,718 and $2,830 per year for insurance in Kansas City.

From a monthly standpoint, full-coverage auto insurance in Kansas City on this segment for the average driver can cost as low as $196 per month, depending on the company and where you live.

If prices are ranked by vehicle size, the cheapest compact luxury SUV model to insure in Kansas City is the Acura RDX at $2,356 per year, or $196 per month. For midsize luxury SUV models, the Jaguar E-Pace is the cheapest model to insure at $2,636 per year, or $220 per month. And for full-size luxury models, the Infiniti QX80 is most affordable to insure at $3,164 per year, or $264 per month.

The next table ranks the twenty SUVs with the cheapest car insurance rates in Kansas City, starting with the Acura RDX at $2,356 per year ($196 per month) and ending with the Lexus RX 350 at $2,830 per year ($236 per month).

Cheapest Luxury SUV Insurance in Kansas City
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,356$196
Lexus NX 250Compact$2,494$208
Cadillac XT4Compact$2,548$212
Jaguar E-PaceMidsize$2,636$220
Cadillac XT5Midsize$2,662$222
Lexus NX 350hCompact$2,662$222
Lincoln CorsairCompact$2,694$225
Mercedes-Benz GLB 250Compact$2,700$225
Lexus UX 250hCompact$2,704$225
Lexus NX 450hCompact$2,718$227
Infiniti QX50Midsize$2,738$228
Mercedes-Benz GLA250Compact$2,750$229
Cadillac XT6Midsize$2,758$230
Mercedes-Benz GLA35 AMGCompact$2,760$230
Infiniti QX60Midsize$2,772$231
Mercedes-Benz AMG GLB35Midsize$2,780$232
Land Rover EvoqueCompact$2,816$235
Acura MDXMidsize$2,818$235
Lexus NX 350Compact$2,830$236
Lexus RX 350Midsize$2,830$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, MO Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Kansas City, MO, with the Acura RDX ranking first at $2,356 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Kansas City, MO, with the Acura RDX ranking first at $2,356 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see insurance rates for your luxury SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Kansas City car insurance quotes from top-rated companies in Missouri.

Cheapest sports cars to insure in Kansas City

The three top-ranked sports cars with the lowest-cost car insurance in Kansas City are the Mazda MX-5 Miata at $2,610 per year, the Toyota GR86 at $2,974 per year, and the Ford Mustang at $3,102 per year.

Some other sports cars that have cheaper rates include the Subaru BRZ, BMW M2, Toyota GR Supra, and Lexus RC F, with an average car insurance cost of $3,372 per year or less.

Additional cars that make the list include the BMW M4, Porsche 718, BMW M3, Jaguar F-Type, and Chevrolet Camaro, which cost between $3,372 and $4,778 per year for auto insurance in Kansas City.

From a monthly standpoint, car insurance in Kansas City on this segment for the average driver can cost as low as $218 per month, depending on where you live.

The comparison table below ranks the sports cars with the cheapest car insurance in Kansas City, starting with the Mazda MX-5 Miata at $2,610 per year ($218 per month) and ending with the Porsche Taycan at $4,778 per year ($398 per month).

Cheapest Sports Car Insurance in Kansas City
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,610$218
Toyota GR86Sports Car$2,974$248
Ford MustangSports Car$3,102$259
BMW Z4Sports Car$3,116$260
Subaru WRXSports Car$3,164$264
Toyota GR SupraSports Car$3,168$264
BMW M2Sports Car$3,260$272
Nissan ZSports Car$3,268$272
Lexus RC FSports Car$3,336$278
Subaru BRZSports Car$3,372$281
BMW M3Sports Car$3,562$297
Porsche 718Sports Car$3,632$303
Chevrolet CamaroSports Car$3,666$306
Chevrolet CorvetteSports Car$3,908$326
Porsche 911Sports Car$4,040$337
BMW M4Sports Car$4,210$351
Lexus LC 500Sports Car$4,230$353
Jaguar F-TypeSports Car$4,450$371
Mercedes-Benz AMG GT53Sports Car$4,670$389
Porsche TaycanSports Car$4,778$398

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, MO Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Kansas City, MO, with the Mazda MX-5 Miata ranking first at $2,610 per year.
Ranking of the cheapest sports cars to insure in Kansas City, MO, with the Mazda MX-5 Miata ranking first at $2,610 per year.

Don’t see rates for your sports car? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Missouri.

How to save on auto insurance in Kansas City

Kansas City drivers are always looking to cut the monthly cost of insurance, so glance through the money-saving tips below to see if you can save some money the next time you need to insure a vehicle.

  • Avoid filing small claims. Auto insurance companies give a discounted rate if you have no claims on your account. Car insurance should only be used in the case of large financial hits, not for minor claims.
  • Compare the cost of insurance before buying a car. Different cars, and even different trim levels of the same car, can have significantly different car insurance premiums, and insurance companies can price policies with a wide range of prices. Check the price before you buy a new car to prevent price shock when buying coverage for your new car.
  • Get better rates due to your occupation. Just about all car insurance providers offer discounts for working in professions like dentists, college professors, nurses, architects, high school and elementary teachers, and others. If you can qualify for this discount, you could potentially save between $85 and $274 on your annual insurance bill, subject to policy limits.
  • Shop your coverage around. Take a couple of minutes to get some free car insurance quotes is a fantastic way to save money. Companies change rates often and you can switch companies very easily.
  • Buy vehicles with cheaper insurance. The type of vehicle you drive has a big impact on the price you pay for car insurance. For example, a Subaru Forester costs $2,764 less per year to insure in Kansas City than a Acura NSX. Lower performance vehicles cost less to insure.
  • Increase deductibles to save money. Raising your policy 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.