Car Insurance in Kansas City, MO – Cheapest Rates (2022) + 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.

Start QuoteCompare Kansas City car insurance rates and save on your next policy.

What is average car insurance cost in Kansas City?

The average price for car insurance in Kansas City is $1,918 per year, which is 22.4% more than the national average rate of $1,567. Car insurance in Kansas City per month costs around $160 for a full-coverage car insurance policy.

The average car insurance expense in Missouri is $1,618 per year, so Kansas City drivers pay an average of $300 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 $522 per year less than in St. Louis, $114 per year more than in Independence, and $294 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 – $6,878 per year or $573 per month
  • 17-year-old rated driver – $6,424 per year or $535 per month
  • 18-year-old rated driver – $5,998 per year or $500 per month
  • 19-year-old rated driver – $5,424 per year or $452 per month
  • 20-year-old rated driver – $3,808 per year or $317 per month
  • 30-year-old rated driver – $2,022 per year or $169 per month
  • 40-year-old rated driver – $1,918 per year or $160 per month
  • 50-year-old rated driver – $1,752 per year or $146 per month
  • 60-year-old rated driver – $1,716 per year or $143 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2022 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. Physical damage 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.Data last updated on December 2, 2022
Kansas City, MO Car Insurance Cost Summary
Average Car Insurance Cost in Kansas City, MO
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,348$362
Safe Driver Age 20$3,808$317
At-fault Accidents Age 40$2,706$226
Low Deductibles Age 40$2,492$208
Safe Driver Age 30$2,022$169
Safe Driver Age 40$1,918$160
Safe Driver Age 50$1,752$146
Safe Driver Age 60$1,716$143
High Deductibles Age 40$1,624$135
Discount Rate Age 40$1,596$133

Average car insurance rates in the prior chart range from $1,596 per year for a 40-year-old driver who meets the requirements for many policy discounts to $4,348 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 $133 to $362.

The car insurance costs referenced previously take the cost to insure each 2022 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Kansas City car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Kansas City Zip Codes.Data last updated on December 2, 2022
Kansas City Car Insurance Rates for Popular Vehicles
Kansas City Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,544$129
Subaru Forester$1,666$139
Honda CR-V$1,684$140
Honda HR-V$1,726$144
Chevrolet Equinox$1,796$150
Ford Explorer$1,806$151
Toyota RAV4$1,814$151
Ford F150$1,858$155
Nissan Sentra$1,874$156
Toyota 4Runner$1,874$156
Nissan Rogue$1,882$157
Toyota Corolla$1,888$157
Toyota Camry$1,892$158
Honda Civic$1,900$158
Ford Bronco$1,930$161
Honda Pilot$1,948$162
GMC Sierra$1,956$163
Hyundai Santa Fe$2,004$167
Ford Mustang$2,026$169
Chevrolet Silverado$2,064$172
Jeep Cherokee$2,132$178
Hyundai Elantra$2,168$181
Ram Truck$2,194$183
Jeep Wrangler$2,198$183
Chevrolet Corvette$2,420$202

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 Chevrolet Trailblazer, Nissan Kicks, and Toyota C-HR.

Average auto insurance quotes for those models cost $1,602 or less per year ($134 per month) for full coverage car insurance.

Some other vehicles that rank towards the top in the cost comparison table are the Buick Envision, Hyundai Venue, Subaru Forester, and Kia Seltos. 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 $1,668 or less per year, or around $139 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 Cost Monthly Cost
1Mazda CX-5$1,464$122
2Nissan Kicks$1,500$125
3Chevrolet Trailblazer$1,508$126
4Subaru Crosstrek$1,544$129
5Honda Passport$1,546$129
6Chevrolet Colorado$1,580$132
7Toyota C-HR$1,580$132
8Buick Encore$1,590$133
9Nissan Rogue Sport$1,602$134
10Hyundai Venue$1,630$136
11Buick Envision$1,636$136
12Kia Seltos$1,638$137
13Ford Maverick$1,644$137
14Acura RDX$1,648$137
15Subaru Ascent$1,650$138
16Toyota Corolla Cross$1,650$138
17Hyundai Kona$1,662$139
18Mazda MX-5 Miata$1,666$139
19Subaru Forester$1,666$139
20Subaru Impreza$1,666$139
21Volkswagen Tiguan$1,668$139
22Chevrolet Spark$1,674$140
23Honda CR-V$1,684$140
24Cadillac XT4$1,690$141
25Mazda CX-30$1,700$142

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Kansas City, MO.Data last updated on December 2, 2022
    Top 25 Cheapest Automobiles to Insure in Kansas City

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Kansas City car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Kansas City Zip Codes.Data last updated on December 2, 2022
    Average Kansas City Auto Insurance Rates by Vehicle Segment
    Kansas City Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,796$150
    Midsize Pickup$1,842$154
    Minivan$1,934$161
    Midsize SUV$1,942$162
    Compact Car$1,974$165
    Midsize Car$2,002$167
    Half-ton Pickup$2,090$174
    Compact Luxury SUV$2,160$180
    Large SUV$2,166$181
    Compact Luxury Car$2,178$182
    Large Car$2,220$185
    Heavy Duty Pickup$2,290$191
    Midsize Luxury SUV$2,320$193
    Midsize Luxury Car$2,542$212
    Sports Car$2,708$226
    Large Luxury SUV$2,902$242
    Large Luxury Car$3,036$253

    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 Mazda CX-5 at $1,464 per year for a full coverage policy up to the Jeep Wrangler at $2,198 per year, a difference of $734 within that segment. As another example, in the large luxury SUV segment, the average cost of insurance ranges from the Volvo XC90 costing $2,080 per year up to the Mercedes-Benz Maybach GLS 600 at $3,800 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 Subaru Impreza at $1,666 per year, the Chevrolet Spark at $1,674 per year, and the Volkswagen Golf at $1,848 per year.

    Also ranking in the top 10 are models like the Toyota Camry, Honda Insight, Toyota Corolla, and Nissan Sentra, with an average car insurance cost of $1,892 per year or less.

    Full-coverage insurance in Kansas City for this segment for the average driver will start around $139 per month, depending on where you live.

    The cheapest compact car to insure in Kansas City is the Subaru Impreza at $1,666 per year. For midsize 2022 models, the Subaru Legacy has the best rates at $1,862 per year. And for full-size non-luxury cars, the Toyota Avalon has the cheapest rates at $2,016 per year.

    The next table ranks the twenty cars with the cheapest average insurance rates in Kansas City, starting with the Subaru Impreza at $1,666 per year ($139 per month) and ending with the Chevrolet Malibu at $1,996 per year ($166 per month).

    Cheapest Car Insurance in Kansas City
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,666$139
    Chevrolet SparkCompact$1,674$140
    Volkswagen GolfCompact$1,848$154
    Subaru LegacyMidsize$1,862$155
    Volkswagen JettaCompact$1,866$156
    Honda InsightMidsize$1,868$156
    Nissan SentraCompact$1,874$156
    Kia K5Midsize$1,886$157
    Toyota CorollaCompact$1,888$157
    Toyota CamryMidsize$1,892$158
    Kia RioCompact$1,894$158
    Volkswagen PassatMidsize$1,898$158
    Honda CivicCompact$1,900$158
    Mazda 3Compact$1,910$159
    Mazda 6Midsize$1,912$159
    Toyota PriusCompact$1,920$160
    Hyundai AccentCompact$1,942$162
    Hyundai VelosterCompact$1,962$164
    Kia ForteCompact$1,966$164
    Chevrolet MalibuMidsize$1,996$166

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Kansas City, MO.Data last updated on December 2, 2022
      Cheapest Car Insurance in Kansas City

      Some of the cars that have insurance rates costing more than the models in the table above include the Hyundai Sonata costing an average of $2,188 per year, the Volkswagen GTI costing $1,922, the Chrysler 300 costing $2,008, and the Tesla Model 3 at an average of $1,964.

      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 Mazda CX-5, Nissan Kicks, Chevrolet Trailblazer, Honda Passport, and Subaru Crosstrek. Average insurance rates for for these models range from $1,464 to $1,544 per year.

      Other models that have cheaper rates include the Nissan Rogue Sport, Buick Encore, Buick Envision, and Toyota C-HR, with average annual insurance rates of $1,636 per year or less.

      In the bottom half of the top 20, models like the Hyundai Kona, Ford Edge, Honda HR-V, Mazda CX-30, Subaru Forester, and Kia Seltos average between $1,636 and $1,732 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 $122 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 Mazda CX-5 at $1,464 per year, or $122 per month. For midsize SUVs, the Honda Passport has the cheapest rates at $1,546 per year, or $129 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe is most affordable to insure at $1,930 per year, or $161 per month.

      The next table ranks the SUVs with the most affordable average auto insurance rates in Kansas City, starting with the Mazda CX-5 at $122 per month and ending with the Ford Edge at $144 per month.

      Cheapest SUV Insurance in Kansas City
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,464$122
      Nissan KicksCompact$1,500$125
      Chevrolet TrailblazerCompact$1,508$126
      Subaru CrosstrekCompact$1,544$129
      Honda PassportMidsize$1,546$129
      Toyota C-HRCompact$1,580$132
      Buick EncoreCompact$1,590$133
      Nissan Rogue SportCompact$1,602$134
      Hyundai VenueCompact$1,630$136
      Buick EnvisionCompact$1,636$136
      Kia SeltosCompact$1,638$137
      Subaru AscentMidsize$1,650$138
      Toyota Corolla CrossCompact$1,650$138
      Hyundai KonaCompact$1,662$139
      Subaru ForesterCompact$1,666$139
      Volkswagen TiguanCompact$1,668$139
      Honda CR-VCompact$1,684$140
      Mazda CX-30Compact$1,700$142
      Honda HR-VCompact$1,726$144
      Ford EdgeMidsize$1,732$144

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Kansas City, MO.Data last updated on December 2, 2022
        Cheapest SUV Insurance in Kansas City

        Some of the more popular SUV models that were not in the top 20 cheapest include the Subaru Outback at $1,762 per year, the Chevrolet Traverse costing an average of $1,980, and the Kia Sorento costing an average of $1,820.

        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 $1,580 per year, the Ford Maverick at $1,644 per year, and the Ford Ranger at $1,706 per year.

        Other pickups that have good average insurance rates include the Honda Ridgeline, Jeep Gladiator, GMC Canyon, and Ford F150, with average cost of $1,888 per year or less.

        From a cost per month standpoint, full-coverage car insurance in this segment for a good driver starts at around $132 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/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$1,580$132
        Ford MaverickMidsize$1,644$137
        Ford RangerMidsize$1,706$142
        Toyota TacomaMidsize$1,782$149
        Nissan FrontierMidsize$1,830$153
        Hyundai Santa CruzMidsize$1,846$154
        GMC CanyonMidsize$1,848$154
        Ford F150Full-size$1,858$155
        Honda RidgelineMidsize$1,872$156
        Jeep GladiatorMidsize$1,888$157
        GMC SierraFull-size$1,956$163
        Nissan TitanFull-size$2,028$169
        Chevrolet SilveradoFull-size$2,064$172
        Toyota TundraFull-size$2,066$172
        Ford F350 Super DutyHeavy Duty$2,084$174
        Chevrolet Silverado HD 3500Heavy Duty$2,102$175
        Nissan Titan XDHeavy Duty$2,158$180
        Ram TruckFull-size$2,194$183
        GMC Sierra 2500 HDHeavy Duty$2,240$187
        GMC Sierra 3500Heavy Duty$2,260$188

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Kansas City, MO.Data last updated on December 2, 2022
          Cheapest Pickup Insurance in Kansas City

          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 ILX, with a cost of $1,770 per year. Second place is the Mercedes-Benz A220 costing $1,890 per year, in third place is the BMW 330i, costing an average of $2,032 per year, and in fourth place is the Acura TLX, at an average of $2,040 per year.

          Also ranking well in our comparison are models like the Lexus RC 300, BMW 228i, BMW 330e, and BMW 230i, with average insurance cost of $2,134 per year or less.

          Some additional 2022 luxury models on the list include the Audi A4, Audi A3, Cadillac CT4, and Lexus RC 350, which average between $2,134 and $2,234 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 $148 per month, depending on your company and location.

          The most affordable small luxury car to insure in Kansas City is the Mercedes-Benz A220 at $1,890 per year. For midsize 2022 models, the Acura ILX is cheapest to insure at $1,770 per year. And for large luxury cars, the Audi A5 is cheapest to insure at $2,254 per year.

          The table below ranks the cars with the most affordable insurance rates in Kansas City, starting with the Acura ILX at $148 per month and ending with the Audi S3 at $186 per month.

          Cheapest Luxury Car Insurance in Kansas City
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura ILXMidsize$1,770$148
          Mercedes-Benz A220Compact$1,890$158
          BMW 330iCompact$2,032$169
          Acura TLXCompact$2,040$170
          Volvo S60Compact$2,062$172
          BMW 330eCompact$2,068$172
          BMW 228iCompact$2,082$174
          BMW 230iCompact$2,094$175
          Lexus RC 300Midsize$2,130$178
          Alfa Romeo GiuliaCompact$2,134$178
          Cadillac CT4Compact$2,134$178
          Lexus RC 350Compact$2,140$178
          Genesis G70Compact$2,168$181
          Mercedes-Benz AMG CLA35Midsize$2,180$182
          BMW i4Midsize$2,192$183
          Cadillac CT5Midsize$2,198$183
          Audi A3Midsize$2,220$185
          Audi A4Compact$2,224$185
          Mercedes-Benz AMG CLA45Midsize$2,232$186
          Audi S3Compact$2,234$186

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Kansas City, MO.Data last updated on December 2, 2022
            Cheapest Luxury Car Insurance in Kansas City

            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 $1,648 per year. Second place is the Cadillac XT4 at $1,690 per year, and coming in third is the Volvo XC40, at an average of $1,852 per year.

            Additional luxury SUVs that rank well in our comparison are the Lexus NX 350, Lexus UX 250h, Lexus UX 200, and BMW X1, with average cost of $1,964 per year or less.

            In the bottom half of the top 20, SUVs like the Lexus RX 350, Jaguar E-Pace, Lincoln Corsair, Acura MDX, Infiniti QX50, and Lincoln Nautilus average between $1,964 and $2,036 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 $137 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 $1,648 per year, or $137 per month. For midsize luxury SUV models, the Cadillac XT5 is the cheapest model to insure at $1,890 per year, or $158 per month. And for full-size luxury models, the Volvo XC90 is most affordable to insure at $2,080 per year, or $173 per month.

            The next table ranks the twenty SUVs with the cheapest car insurance rates in Kansas City, starting with the Acura RDX at $1,648 per year ($137 per month) and ending with the Lincoln Corsair at $2,036 per year ($170 per month).

            Cheapest Luxury SUV Insurance in Kansas City
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura RDXCompact$1,648$137
            Cadillac XT4Compact$1,690$141
            Volvo XC40Compact$1,852$154
            Cadillac XT5Midsize$1,890$158
            Lexus NX 250Compact$1,912$159
            BMW X1Compact$1,916$160
            Lexus NX 350hCompact$1,924$160
            Lexus UX 250hCompact$1,928$161
            Lexus NX 350Compact$1,958$163
            Lexus UX 200Compact$1,964$164
            Jaguar E-PaceMidsize$1,970$164
            Lexus RX 350Midsize$1,978$165
            Acura MDXMidsize$1,988$166
            Lincoln NautilusMidsize$2,006$167
            Lexus NX 450hCompact$2,012$168
            Mercedes-Benz GLB 250Compact$2,020$168
            Lexus RX 450hMidsize$2,024$169
            Infiniti QX50Midsize$2,032$169
            Land Rover EvoqueCompact$2,032$169
            Lincoln CorsairCompact$2,036$170

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Kansas City, MO.Data last updated on December 2, 2022
              Cheapest Luxury SUV Insurance in Kansas City

              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 $1,666 per year, the Ford Mustang at $2,026 per year, and the BMW Z4 at $2,068 per year.

              Some other sports cars that have cheaper rates include the BMW M3, Audi TT, Toyota GR Supra, and Chevrolet Corvette, with an average car insurance cost of $2,486 per year or less.

              Additional cars that make the list include the Jaguar F-Type, Chevrolet Camaro, Porsche 718, Porsche 911, and Lexus RC F, which cost between $2,486 and $3,166 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 $139 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 $1,666 per year ($139 per month) and ending with the Lexus LC 500 at $3,166 per year ($264 per month).

              Cheapest Sports Car Insurance in Kansas City
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,666$139
              Ford MustangSports Car$2,026$169
              BMW Z4Sports Car$2,068$172
              Subaru WRXSports Car$2,182$182
              Toyota GR86Sports Car$2,238$187
              Toyota GR SupraSports Car$2,290$191
              Audi TTSports Car$2,338$195
              Subaru BRZSports Car$2,410$201
              Chevrolet CorvetteSports Car$2,420$202
              BMW M3Sports Car$2,486$207
              Porsche 718Sports Car$2,596$216
              Chevrolet CamaroSports Car$2,662$222
              Lexus RC FSports Car$2,726$227
              Dodge ChallengerSports Car$2,734$228
              Mercedes-Benz AMG GT53Sports Car$2,776$231
              Jaguar F-TypeSports Car$2,902$242
              Porsche TaycanSports Car$2,982$249
              Porsche 911Sports Car$3,054$255
              BMW M4Sports Car$3,058$255
              Lexus LC 500Sports Car$3,166$264

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Kansas City, MO.Data last updated on December 2, 2022
                Cheapest Sports Car Insurance in Kansas City

                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 $58 and $200 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 $2,048 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 $236 per year for a 40-year-old driver and $456 per year for a 20-year-old driver.