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Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Cheapest recent rates near Wichita, Kansas
Recent Wichita, Kansas car insurance prices for Jeep, Ford, Nissan , and more.
*Quotes generated for Insurify users in and around Wichita, Kansas within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Wichita, Kansas within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The average cost of car insurance in Wichita, Kansas, is $143 per month. To compare, drivers in Kansas spend an overall average of $124 per month on car insurance, and drivers nationwide pay an overall average of $153.
Auto insurance rates in Wichita may be higher than the average rates in Kansas because the city is the most populous in the state. Car insurance rates are often more expensive in areas with more vehicles on the road because the chance of an accident is higher than in rural areas.
Here’s what you should know about comparing quotes and finding affordable auto coverage in Wichita.
Quick Facts
Liability-only insurance in Wichita costs an average of $93 per month, and full coverage costs $193 per month.
Root, Dairyland, and CSAA offer the cheapest liability policies in Wichita.
Wichita drivers pay an average of $2,320 per year for full-coverage car insurance.
3 of the cheapest car insurance companies in Wichita
Many different car insurance companies insure drivers in Wichita, but each insurer has unique pros and cons. The cost of car insurance also differs based on factors like your ZIP code, age, credit score, and insurance company.
The right insurance company for you will depend on your individual situation, coverage needs, and budget, but you can start your search with the insurers below. Rates shown in the table are for the state of Kansas.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best for
▲▼
Travelers
9.0
$undefined
N/A
Coverage options
Liberty Mutual
7.7
$218
$102
Discounts
Safeco
8.3
$160
$76
Low rates
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$89/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$191/mo
4.7
Best choiceBased on 771 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (399)
Larry
December 14, 2024
Verified Review
Bye
It's very hard to file a claim. You have to take all kinds of pictures.
Joan
December 13, 2024
Verified Review
Not Recommended: Travelers Insurance
Their prices are outrageous. I have been with them for 10 years without any accidents. The customer service representatives can barely speak English and don't offer solutions.
Thomas
December 10, 2024
Verified Review
Checking Rates
I have no problem with Travelers. I'm just looking to check rates with other insurance carriers.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Travelers stands out for its big selection of car insurance coverage options. In addition to state-minimum liability and full coverage, you can also get gap insurance, roadside assistance, new-car replacement coverage, accident forgiveness, rideshare coverage, and a few others.
The company also offers more than a dozen discounts that can help reduce your premium. You can also qualify for extra savings through Travelers’ Affinity Auto & Home Program if you’re a member of a participating business, credit union, or association.
Pros
Many endorsements for customized protection
Good selection of discounts
Cons
Below-average J.D. Power customer satisfaction rating in the Central region
Rideshare coverage only available in Colorado and Illinois
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$111/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$244/mo
3.6
A solid optionBased on 2,714 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,585)
Searle
December 19, 2024
Verified Review
Fair
They don't give you any discounts.
Kenneth
December 19, 2024
Verified Review
Steer Clear of This Greedy Insurer
Steer clear of this company. They continue to raise rates regardless of how safe a driver you are.
Jerry
December 18, 2024
Verified Review
Good but Costly
Be prepared for your policy payments to jump to almost a car payment!
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Liberty Mutual has some of the best discounts, and it’s a great option if you want low rates. The company offers savings for homeowners, military personnel, smart students, claims-free drivers, policy bundling, paying in full, buying a policy online, and many others. You can save up to 30% for driving safely when you enroll in the RightTrack telematics program.
Liberty Mutual also has multiple car insurance endorsements, including a special policy for teachers, Mexico insurance, and original parts replacement coverage.
Pros
Many discounts for potential savings
Great selection of endorsements
Cons
Premiums just above the Wichita average
Below-average J.D. Power customer satisfaction rating in the Central region
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$86/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$176/mo
4.5
Best choiceBased on 765 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (427)
William
December 16, 2024
Verified Review
Fair
The policy rate increased at the beginning of the coverage.
Scott
December 15, 2024
Verified Review
Retired senior facing affordability issues
My rate has increased by 60% in 2 years despite having no accidents. Just like with Netflix, I'm considering leaving due to this.
Elliot
December 9, 2024
Verified Review
Current Insurance
Even though our vehicles are aging and we haven't had any claims, our insurance costs keep rising.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
If you’re looking for cheap auto insurance in Wichita, Safeco can be a good option. Additionally, the company offers a good selection of add-on coverage and some unique perks, like a disappearing deductible, claims-free cash back, and guaranteed car repairs when you use a qualifying shop.
But Safeco doesn’t offer the biggest selection of discounts. It only offers discounts for being accident-free, taking a defensive driving course, bundling your policies, and insuring a car with certain safety features.
Pros
Some of the most affordable rates in Wichita
Offers endorsements and customer perks for tailored coverage
Cons
Below-average J.D. Power customer satisfaction score in the Central region
Fewer discounts than some competitors
How to get the cheapest car insurance in Wichita
You have several ways to get cheap car insurance in Wichita. Here are some tips for getting the most affordable coverage for your situation:[1]
Look for discounts. Many Wichita car insurance companies offer discounts that can lower your auto insurance premium. Choose a company that has multiple discounts you can qualify for to maximize savings.
Bundle your policies. You can often save a significant amount of money by bundling multiple policies together, like car insurance with home insurance, renters insurance, or life insurance.
Choose higher deductibles. For policies that require a deductible, like collision insurance and comprehensive insurance, choosing a higher deductible will result in a lower monthly premium. But make sure you can afford a higher deductible in the event of a claim.
Shop around. One of the best ways to find cheap car insurance in Wichita is to shop around and compare rates from multiple insurance companies. Comparing rates makes it easy to see which insurer can give you the best deal for the coverage you want.
Find Cheap Car Insurance in Wichita, Kansas
Monthly liability rates start at $74
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Wichita: Root
Liability-only insurance covers your financial responsibilities if you cause an accident that results in someone else’s bodily injuries or property damage. It doesn’t provide any coverage for your injuries, your passengers’ injuries, or your vehicle.
Liability-only insurance costs an average of $93 per month in Wichita.
In the table below, you can see the cheapest car insurance in Wichita for liability-only insurance.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Root
$74
Dairyland
$85
CSAA
$86
Safeco
$86
National General
$88
Direct Auto
$102
Bristol West
$105
Liberty Mutual
$111
The General
$116
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Wichita: Root
For most Kansas drivers, full coverage is optional. But your lender will probably require it if you lease or finance your vehicle. Full coverage can also be beneficial for drivers who have a new vehicle or a high-value vehicle that would be expensive to repair out of pocket.
Wichita drivers pay an average of $193 per month for full-coverage insurance.
In the table below, you can see which car insurance companies have the cheapest full-coverage policies in Wichita.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Root
$126
CSAA
$158
National General
$166
Safeco
$176
Direct Auto
$208
Dairyland
$227
Liberty Mutual
$244
The General
$252
Bristol West
$285
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Wichita, Kansas
Recent Wichita, Kansas car insurance prices for Chevrolet, Subaru, Ford , and more.
*Quotes generated for Insurify users in and around Wichita, Kansas within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Wichita, Kansas within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Kansas
Car insurance is a legal requirement in Kansas. Additionally, Kansas is a no-fault state, so drivers must carry personal injury protection (PIP) coverage.[2] In a no-fault state, your insurance company covers your medical expenses after an accident, regardless of which driver was responsible.
Below are the minimum requirements Kansas drivers must meet:[3]
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$25,000 per person / $50,000 per accident
Property damage liability
$25,000 per accident
Uninsured/underinsured motorist liability
$25,000 per person / $50,000 per accident
Personal injury protection
$4,500 per person for medical expenses
$900 per month for disability/loss of income for one year
$25 per day for in-home services
$2,000 for funeral, burial, or cremation expenses
$4,500 for rehabilitation costs
In addition to the required coverages, many Wichita drivers can benefit from endorsements, or optional coverages. Some common endorsements include:
Roadside assistance coverage
Roadside assistance covers basic services if you get stranded, like flat-tire changes, fuel delivery, and towing up to a certain distance.
Gap coverage
If you lease or finance your car, gap insurance can be useful. If your car gets totaled, it’ll cover the difference between the car’s value and what you still owe the lender.
Accident forgiveness coverage
Accident forgiveness waives your first at-fault accident, so it won’t cause your premium to increase. Not all companies offer this coverage, but it’s worth looking into.
Cheapest car insurance for drivers with an incident
People with incidents on their driving record, such as speeding tickets and at-fault accidents, often pay higher rates for car insurance than drivers with clean records.[4] The most serious violations, like driving under the influence (DUI), usually have the biggest effect on insurance premiums.
Insurance companies view drivers with these incidents and other violations on their record as riskier to insure and more likely to file a claim. Insurers charge them more expensive rates to make up for the increased risk of insuring them.
Shop for Car Insurance in Wichita, KS
Monthly rates start at $101 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Root
Speeding tickets are a common traffic violation, but they aren’t harmless. If you get pulled over for speeding, your car insurance premium could go up. From an insurance company’s perspective, speeding indicates that you could be an unsafe driver, which could lead to higher premiums.
In Wichita, the average cost of car insurance for drivers with a speeding ticket is $142 per month for liability coverage and $295 for full coverage. But some insurers have lower rates than others.
The table below shows the cheapest liability car insurance quotes in Wichita for drivers with a speeding ticket.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Root
$74
$108
Dairyland
$85
$116
CSAA
$86
$119
Safeco
$86
$118
National General
$88
$120
Direct Auto
$102
$139
Bristol West
$105
$144
Liberty Mutual
$111
$162
The General
$116
$161
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Root
If you have an at-fault accident on your record, you’ll probably see your car insurance premium increase. Customers with an accident are riskier to insure because there’s a greater risk of a second car accident. In some cases, having a not-at-fault accident on your record can also cause your rate to go up.
Wichita drivers with an accident on their record pay an average of $144 per month for liability coverage and $298 per month for full coverage.
Below, you can see which insurance companies in Wichita have the lowest liability-only rates for drivers with an at-fault accident.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Root
$74
$112
Dairyland
$85
$119
CSAA
$86
$126
Safeco
$86
$121
National General
$88
$124
Direct Auto
$102
$147
Bristol West
$105
$148
Liberty Mutual
$111
$166
The General
$116
$167
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Root
A DUI conviction is one of the most serious traffic offenses you can receive. If you have a DUI on your record, you can expect to pay a much higher insurance rate than average. Some insurance companies might even refuse to renew your coverage at the end of the policy period if you get a DUI.
Liability-only insurance for drivers in Wichita with a DUI costs $162 per month, on average. Full coverage costs an average of $337 per month.
See the table below for the cheapest liability insurance companies in Wichita for drivers with a DUI.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Root
$74
$113
Dairyland
$85
$144
CSAA
$86
$132
Safeco
$86
$132
National General
$88
$149
Direct Auto
$102
$173
Bristol West
$105
$178
Liberty Mutual
$111
$188
The General
$116
$197
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Root
Senior drivers often pay higher car insurance rates than middle-aged adults. Rates decrease steadily around age 35 and start increasing again around age 70. This is because older drivers have higher accident rates than other people, and they sometimes have impairments that can make them riskier behind the wheel.[5]
Senior drivers in Wichita pay a monthly average of $67 for liability coverage.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Root
$59
$100
CSAA
$61
$112
National General
$63
$118
Dairyland
$64
$170
Safeco
$69
$142
Direct Auto
$74
$151
Bristol West
$79
$214
Liberty Mutual
$87
$191
The General
$88
$191
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Root
Teen drivers usually pay the highest rates for car insurance. Teens and young adults lack experience behind the wheel and are more likely to get into accidents than drivers in any other age group.[6]
But teen drivers have several ways to lower their insurance premiums. For example, many insurers offer discounts for high school students who get good grades. It’s also cheaper for teens to stay insured on a parent’s policy.
A liability policy for teens costs an average of $175 per month in Wichita.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Root
$117
$200
Dairyland
$145
$386
CSAA
$146
$268
Safeco
$172
$351
National General
$182
$342
Bristol West
$187
$507
The General
$195
$424
Direct Auto
$196
$400
Liberty Mutual
$200
$440
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Wichita, KS
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Wichita car insurance quotes by credit tier
In Kansas, car insurance companies can use credit-based insurance scores as a way to determine risk. That means your credit history may affect the cost of your auto insurance. In general, drivers with excellent credit pay the lowest rates, and people with poor credit pay the highest rates.
Here are the average car insurance rates in Wichita based on credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Wichita?
Drivers in Wichita pay lower car insurance rates than the average American driver. The average auto insurance premium in Wichita is $143 per month, and the U.S. national average rate is $153 per month.
Wichita has a relatively small population for an urban area, and with a low population density, there’s a lower risk of vehicle thefts, accidents, and other incidents. Kansas also has one of the lowest percentages of uninsured drivers out of all 50 states, which means the roads are safer.[7]
But car insurance in Wichita is more expensive than the state average of $124.
More cities in Kansas
The average cost of car insurance in Wichita is more expensive than in most other cities in Kansas. For example, the average rate in Topeka is $120 per month, and the average rate in Kansas City is $141 per month.
See how rates compare for other Kansas cities in the table below.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Wichita car insurance FAQs
If you’re looking for car insurance coverage in Wichita, Kansas, this additional information may help as you shop around.
How much is car insurance in Wichita?
Car insurance in Wichita costs an average of $93 per month for liability coverage and $193 per month for full coverage, according to Insurify data.
Which companies have the cheapest car insurance in Wichita?
Root has the cheapest car insurance in Wichita, with a monthly liability-only rate of $74. Other affordable insurers include Dairyland and CSAA, with respective monthly liability rates of $85 and $86.
But the cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and type of car you drive.
What are the best car insurance companies in Wichita?
With an IQ Score of 9.0 out of 5, an A++ (Superior) financial strength rating from AM Best, and competitive rates, Travelers is the best car insurance company in Wichita.
Other top insurers in the city include Liberty Mutual and Safeco.
How much is the average car insurance in Kansas?
Drivers in the Sunflower State pay an average of $80 per month for liability-only coverage and $167 per month for full coverage, which is slightly lower than what Wichita drivers pay.
Why is car insurance in Kansas so expensive?
Located in the heart of Tornado Alley, Kansas had 63 tornadoes in 2022. Tornadoes can cause a lot of damage to cars and property, which could partly explain why car insurance in Kansas is more expensive than the national average.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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