Cheapest Auto Insurance in Wichita, Kansas (2024)
With monthly liability-only rates of $74, Root is the cheapest car insurance company in Wichita.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Updated November 20, 2024
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Table of contents
The average cost of car insurance in Wichita, Kansas, is $143 per month. To compare, drivers in Kansas spend an overall average of $125 per month on car insurance, and drivers nationwide pay an overall average of $154.
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 | $216 | $97 | Discounts |
| Safeco | 8.3 | $154 | $75 | 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 28,000 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.
Best insurer for coverage options: Travelers
| User Reviews | 4.7 |
|---|---|
| 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. | 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 757 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 (389)
Nancy
November 18, 2024
Verified Review
Checking for Better Rate
Really good.
Jim
November 12, 2024
Verified Review
Typical
They were fair but within a month, they raised their premium by over $50.
Kenneth
November 5, 2024
Verified Review
Excellent
Excellent
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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
Best insurer for discounts: Liberty Mutual
| User Reviews | 3.7 |
|---|---|
| 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. | 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 |
3.7
A solid optionBased on 2671 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 (1,559)
Michael
November 19, 2024
Verified Review
Go Elsewhere
The customer service is poor. It's difficult to speak to a human as it's overly automated.
Deborah
November 12, 2024
Verified Review
Examine Every Inch of Your Policy
I didn't realize I didn't have accident forgiveness until my daughter had an accident. They tripled the cost of my policy.
Lee
November 12, 2024
Verified Review
Ugh!
The rates increase every year. I'm an excellent driver and I've never made a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.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).
AWhy 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
Best insurer for low rates: Safeco
| User Reviews | 4.5 |
|---|---|
| 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. | 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 754 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 (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.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).
AWhy 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: Friday, November 1 at 12:00 PM PDT.
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
Full-coverage car insurance provides more protection than liability-only insurance. It also provides collision insurance and comprehensive insurance that cover physical damage to your vehicle, as well as medical payments insurance for your medical expenses after a crash.
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: Friday, November 1 at 12:00 PM PDT.
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
Drivers using Insurify have found quotes as cheap as $54/mo for liability only and $88/mo for full coverage in Wichita and other Kansas cities.
*Quotes generated for Insurify users in and around Wichita, Kansas within the last 10 days. Last updated on November 20, 2024
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 November 20, 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 November 20, 2024
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 November 20, 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 |
|
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
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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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Root | $74 | $108 |
| Dairyland | $85 | $116 |
| CSAA | $86 | $119 |
| Safeco | $86 | $119 |
| 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 $143 per month for liability coverage and $296 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Root | $74 | $111 |
| Dairyland | $85 | $118 |
| CSAA | $86 | $125 |
| Safeco | $86 | $120 |
| National General | $88 | $123 |
| Direct Auto | $102 | $146 |
| Bristol West | $105 | $147 |
| Liberty Mutual | $111 | $166 |
| The General | $116 | $166 |
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 $161 per month, on average. Full coverage costs an average of $335 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Root | $74 | $112 |
| Dairyland | $85 | $144 |
| CSAA | $86 | $131 |
| Safeco | $86 | $135 |
| National General | $88 | $149 |
| Direct Auto | $102 | $172 |
| Bristol West | $105 | $178 |
| Liberty Mutual | $111 | $188 |
| The General | $116 | $196 |
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 $66 for liability coverage.
These companies have the cheapest car insurance for senior drivers in Wichita.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Root | $58 | $99 |
| CSAA | $61 | $112 |
| National General | $62 | $118 |
| Dairyland | $63 | $168 |
| Safeco | $69 | $140 |
| Direct Auto | $74 | $150 |
| Bristol West | $78 | $212 |
| Liberty Mutual | $87 | $191 |
| The General | $87 | $190 |
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 $172 per month in Wichita.
Below, you can see which companies have the cheapest car insurance for teen drivers in Wichita.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Root | $116 | $198 |
| Dairyland | $144 | $383 |
| CSAA | $145 | $266 |
| Safeco | $172 | $353 |
| National General | $180 | $340 |
| Bristol West | $185 | $502 |
| The General | $193 | $419 |
| Direct Auto | $194 | $396 |
| Liberty Mutual | $199 | $438 |
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.
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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 $154 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 $125.
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.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Garden City | $82 | $202 |
| Kansas City | $94 | $187 |
| Lawrence | $82 | $170 |
| Manhattan | $70 | $155 |
| Topeka | $82 | $157 |
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 $79 per month for liability-only coverage and $170 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
- 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.
Related articles
More cities in Kansas
Sources
- Insurance Information Institute. "How to save money on car insurance."
- Insurance Information Institute. "Background on: No-fault auto insurance."
- Kansas Insurance Department. "Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
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Elizabeth Rivelli
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.
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