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What Used Cars are the Cheapest to Insure in Kansas?

In Kansas, the Ford Bronco, Chevrolet Trailblazer, and Honda Insight are the cheapest used cars to insure. The 2021 Ford Bronco costs $78 monthly for full coverage, while the liability-only coverage costs $26.

An aerial view of the capital statehouse grounds in Topeaka Kansas USA

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What Used Cars are the Cheapest to Insure in Kansas?

Want to know the cheapest pre-owned vehicle to insure in Kansas? We researched insurance quotes in the state to save you the effort!

This article covers insurance basics for the state of Kansas and tips to save money on premiums. We also found the best insurance companies and answered frequently asked questions!

Kansas Cheapest Used Cars to Insure

Using a basic driver profile and 45 vehicles from the IIHS 2021 Top Safety Pick+ 2021 list, we compiled the cheapest pre-owned vehicles that are the most affordable to insure in Kansas. Below is an introduction to the three cheapest.

1. 2021 Bronco by Ford

The 2021 Ford Bronco is the cheapest used car to insure in Kansas. A full-coverage policy for this four-wheel drive SUV with four seats costs $78 monthly. That’s much cheaper than the Kansas full-coverage average cost of $138 per month. A liability-only policy costs $26.

The IIHS gave it a Superior rating for its vehicle-to-vehicle and vehicle-to-pedestrian crash prevention. The Bronco gets 20 mpg in the city and 22 mpg on the highway.

2. 2021 Trailblazer by Chevrolet

The 2021 Chevrolet Trailblazer is a four-door SUV, and it’s the second cheapest used car to insure in Kansas. It costs $89 a month for full-coverage insurance, that’s $49 cheaper than the state average, and only $32 for liability-only policies.

The Trailblazer has superior safety features that get it a place on the Top Safety Pick+ list. The Chevrolet Trailblazer gets 29 mpg in the city and 33 mpg on the highway.

3. 2021 Insight by Honda

The third cheapest used car to insure in Kansas is the 2021 Honda Insight. It costs $90 a month for full-coverage insurance for the Insight which is $48 cheaper than the state average. It is only $36 monthly for liability-only policies.

The Insight is on the Top Safety Pick+ list for its collision safety features. This car gets 55 mpg with city driving and 49 mpg on the highway.

The 45 Cheapest Used Vehicles to Insure in Kansas

Businessman hand holding umbrella and cover red car toy on table. Car insurance, warranty, repair, Financial, banking and money concept

We collected policy estimates for 45 vehicles that we took from the Insurance Institute for Highway Safety (IIHS) 2021 Top Safety Pick+ list. The 45 cars are ranked by their lowest to highest full-coverage policy costs. We’ve also included liability-only quotes.

Year Make Model Full Coverage  Liability Only
2021 Ford Bronco $78.00 $26.00
2021 Chevrolet Trailblazer $89.00 $32.00
2021 Honda Insight $90.00 $36.00
2021 Acura RDX $91.00 $33.00
2021 Toyota Sienna Hybrid $92.00 $34.00
2021 Subaru Forester $92.00 $30.00
2021 Hyundai Palisade $96.00 $35.00
2021 Volkswagen ID.4 $101.00 $34.00
2021 Mazda 3 $101.00 $35.00
2021 Kia K5 $106.00 $39.00
2021 Mitsubishi Outlander $109.00 $35.00
2021 Honda Accord $115.00 $32.00
2021 Volvo V60 $127.00 $37.00
2021 Volvo S60 $131.00 $34.00
2021 Audi A6 $139.00 $34.00
2021 Volvo S90 $145.00 $31.00
2021 Mercedes-Benz C-Class $147.00 $34.00
2021 Lexus IS $151.00 $35.00
2021 Nissan Maxima $151.00 $38.00
2021 Mazda CX-30 $157.52 $54.10
2021 Mazda CX-3 $159.02 $57.25
2021 Hyundai Nexo $166.32 $57.79
2021 Mazda CX-5 $174.55 $57.25
2021 Subaru Legacy $176.27 $54.10
2021 Subaru Outback $181.08 $54.10
2021 Nissan Rogue $184.30 $59.95
2021 Subaru Ascent $184.40 $57.79
2021 Toyota Camry $185.73 $59.46
2021 Volvo XC40 $187.98 $59.95
2021 Honda Odyssey $189.10 $61.80
2021 Volvo XC60 $191.69 $63.06
2021 Toyota Highlander $192.16 $59.86
2021 Toyota Sienna $194.62 $61.80
2021 Nissan Murano $194.91 $63.41
2021 Mazda CX-9 $199.30 $63.06
2021 Nissan Altima $204.31 $61.80
2021 Volvo XC90 $204.54 $59.86
2021 Acura TLX $205.03 $57.79
2021 Lexus NX $210.02 $59.86
2021 Chrysler Pacifica $210.04 $57.25
2021 Ford Explorer $210.71 $67.04
2021 Genesis G70 $229.52 $54.96
2021 Volvo V90 $236.98 $54.96
2021 Lexus ES $240.27 $57.79
2021 Mercedes-Benz E-Class $289.41 $57.25

Full Coverage vs. Liability Insurance Costs

Liability-only coverage insurance is cheaper than full coverage because it only covers damage you may cause, whereas full coverage insures your vehicle from damage caused by outside factors.

Full-coverage policy

Liability-only policy


The Best Kansas Car Insurance Companies

The three best automobile insurance companies in Kansas are American Family, Farm Bureau, and The Standard Fire Insurance Company.

We accessed Kansas complaint records to compare companies with more than 2% of the market share. We didn’t include duplicate listings for the same company in the data.

Companies with lower Market-Share-to-Complaint Ratios indicate fewer complaints and happier claimants. See the rankings below.

Insurance Company Market Share Percent of Total Complaints Ratio of Complaints to Market Share
American Family 4.27% 2.12% 0.51
Farm Bureau 6.79% 4.25% 0.62
Standard Fire Insurance Company 3.39% 2.34% 0.69
American Family Mutual 6.12% 4.46% 0.72
United Services Automobile Association 2.08% 1.91% 0.91
State Farm 16.23% 15.71% 0.96
Farmers Insurance Company Incorporated 4.40% 4.46% 1.01
Shelter Mutual 3.24% 3.61% 1.11
Progressive Northwestern 8.15% 10.4% 1.27
Geico Advantage 3.13% 4.88% 1.55
Progressive Direct 6.59% 12.52% 1.89
Allstate Fire & Casualty 4.63% 8.91% 1.92

Tips to Lower Insurance Premiums in Kansas

Drivers in Kansas can follow these tips to maximize discounts and minimize insurance premiums:

  • Compare different companies: Compare insurers before committing to a provider; you could save.
  • Opt for minimal coverage: Choosing the minimum policy that is legally required in Kansas can save you money.
  • Search for discounts: In Kansas, you can get discounts based on several factors like how safely you drive. You can also receive cheaper premiums for being married, working certain jobs, and owning your home.
  • Improve your credit: Drivers with poor credit can pay anywhere from 44% to 76% more on their insurance in Kansas than those with excellent credit. Boosting your credit helps lower insurance premiums.
  • Shop for rates often: You can also save money by comparing coverage options once a year. New discounts and rates may become available that make it worth switching providers.

Research Methodology

To provide the most relevant data for drivers in Kansas, we used an in-state address to identify the cheapest used vehicles to insure. Combined with a basic driver profile, we researched the 45 aforementioned vehicles through an insurance quote generator.

Basic Driver Profile

  • 35-year-old-male with a bachelor’s degree
  • Single and employed full time
  • Homeowner but did not bundle policies
  • Owns the vehicle rather than leases or finances it
  • Has been with the current insurance carrier for five or more years

We used vehicles on the IIHS 2021 Top Safety Pick+ 2021 list. The IIHS is an independent organization that collects safety data for cars on the market. We used the following limits for liability-only quotes:

  • $100,000/$300,000 liability limits
  • $100,000 property damage limits
  • $10,000 personal injury protection

For the full-coverage quotes, we included the following coverages:

  • $1,000 deductible on collision coverage
  • $1,000 deductible for comprehensive coverage
  • $50/$1,500 rental reimbursement
  • $100 roadside assistance

Frequently Asked Questions

What is the cheapest SUV to insure in Kansas?

The cheapest used SUV to insure in Kansas is the 2021 Ford Bronco. A full-coverage insurance plan for a Ford Bronco costs $78. A liability-only coverage plan costs $26.

Are older cars cheaper to insure?

Older cars are cheaper to insure than newer vehicles in part because they cost less to repair and replace, so the value of risk is lower for the insurance company.

How much liability insurance is required in Kansas?

Drivers in Kansas must have a minimum of 25/50/25 insurance coverage. Policies must include a minimum of $25,000 for property damage, $50,000 for individuals injured in an accident, and a $25,000 limit for one individual.

What is the penalty for driving without insurance in Kansas?

Uninsured drivers in Kansas can receive misdemeanor charges, be fined between $300 and $2,500, face six months in prison, and the state can suspend your driving license for three years for repeat offenders. A license can be reinstated upon providing an SR-22 form that proves you acquired insurance.

What is the basic insurance for a car?

The most basic car insurance is liability-only. This insures your vehicle against damage you cause. Most states require at least liability insurance. Getting this policy style can lead to the lowest insurance rates for your car. There are also collision policies and plans to cover fire and theft.

What car has the highest insurance rates?

Brand-new vehicles from luxury makers like Maserati or Porsche have the highest insurance rates. Supercars and other collector vehicles like classic cars cost the most to insure because of their costly production and repairs.


  1. (2023.) 2021 Top Safety Picks. IIHS. Retrieved April 3, 2023, from https://www.iihs.org/ratings/top-safety-picks/2021
  2. (2023.) Introduction to Auto Insurance. Kansas Insurance Department. Retrieved April 3, 2023, from https://insurance.kansas.gov/auto-insurance/
  3. (2023.) Complaint Index Report for Year 2021. Kansas Insurance Department. Retrieved April 3, 2023, from https://insurance.ks.gov/documents/department/publications/complaint-index-report.pdf
  4. (2023.) Article 31: Kansas Automobile Injury Reparations Act. Kansas State Legislature. Retrieved April 3, 2023, from http://www.kslegislature.org/li_2014/b2013_14/statute/040_000_0000_chapter/040_031_0000_article/040_031_0004_section/040_031_0004_k/
  5. (2023.) Best & Cheapest Car Insurance Quotes in Kansas (2023). ValuePenguin. Retrieved April 27, 2023, from https://www.valuepenguin.com/best-cheap-car-insurance-kansas#:~:text=The%20average%20cost%20of%20insurance,year%2C%20or%20%24138%20per%20month.
FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.


About the Author

FIXD Research Team

FIXD Research Team

At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.

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