Cheap Auto Insurance in Wichita, Kansas (2023)

Wichita drivers have some of the cheapest car insurance rates in the state.

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Mark Steinbach
Mark Steinbach
Updated October 1, 2023
Mark Steinbach
Mark SteinbachInsurance Writer
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A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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Wichita is Kansas’s largest city, home to universities, sports arenas, and a bustling downtown. And, naturally, its roads are full of drivers. Fortunately, Wichita drivers have access to a wide range of car insurance companies offering affordable prices and high customer satisfaction ratings.

Drivers in Wichita pay an average of $198 per month for car insurance, $19 higher than Kansas’s average of $179. Kansas requires all drivers to carry car insurance, so finding the right policy at an affordable rate is essential. 

Quick Facts
  • Travelers is one of the best insurers for Wichita drivers, offering liability coverage at an average of $69 per month.

  • Nationwide offers the best rates for drivers with a speeding ticket, at $172 per month.

  • Comparing quotes from multiple insurers is the best way to save money on car insurance.

Best car insurance companies in Wichita

Wichita drivers have several high-quality car insurance companies to choose from, but the best option will depend on your personal needs and financial situation.

Find Car Insurance in Wichita

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Based on 3,806+ reviews
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ProgressiveLiberty MutualTravelers
Insurance CompanyBest ForAverage Monthly Quote: Liability OnlyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
TravelersBest overall$694.3
NationwideBest valueN/A4.1
Midvale Home & AutoMost affordable $823.2
Liberty MutualYoung drivers$2023.8
SafecoSenior drivers$973.7
State AutoMarried drivers$1033.8
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best car insurance overall: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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++
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.
$113/mo

Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • High number of negative customer reviews with the Better Business Bureau

They have the lowest rates I could find.

Elise - September 11, 2023
Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023
Verified

Good service.

Jorge - September 4, 2023
Verified
Read our Travelers review

Travelers is the best overall car insurance option for Wichita drivers, scoring the highest Insurify Quality Score of all insurers in the area. This trusted national insurer is also a great value, with an average monthly rate of $69 for liability-only coverage and $155 for full coverage. Travelers also earned an A+ from A.M. Best, indicating excellent financial strength.[1]

Pros
  • Some of the lowest monthly rates in the area

  • A+ (Superior) A.M. Best financial strength rating

Cons
  • Below-average customer satisfaction score from J.D. Power

  • Prices rise significantly from liability-only to full coverage

Best cheap car insurance in Wichita: Nationwide

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
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.
$85/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.
$185/mo

In business since 1925, Nationwide is one of the largest insurers, and sells car, homeowners, life insurance, umbrella insurance, and more. In addition to liability, collision and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap. The company also offers accident forgiveness, and a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A+ rating from A.M. Best for financial stability, and an only slightly higher-than-expected number of customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Numerous discount and savings opportunities

  • SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)

Cons
  • Not available in every state

  • Some discounts and programs not available in all states

Reliable when needed; will fight for you; good discounts for being a loyal customer. They’re on your side.

Alexander - December 4, 2022
Verified

Premiums are high and they dropped us after two claims.

Kenneth - November 26, 2022
Verified

They’re on my side!

Philomina - November 22, 2022
Verified
Read our Nationwide review

Nationwide is a respected national insurer, scoring an 861 out of 1000 in J.D. Power’s customer satisfaction study and earning an IQ Score of 4.1.[2]

Drivers with Nationwide pay some of the lowest rates for full-coverage auto insurance, at just $128 per month. This is a higher rate than even some liability-only policies and offers more robust coverage.

Pros
  • Multiple discounts available, including bundling

  • Offers usage-based SmartRide telematics program

Cons
  • Below-average customer satisfaction score from J.D. Power

  • Better Business Bureau (BBB) customer reviews are mixed[3]

Most affordable car insurance in Wichita: Midvale Home & Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
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
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.
$77/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.
$139/mo

Owned by American Family Insurance, Midvale offers auto and home insurance. In addition to liability, collision and comprehensive coverages, Midvale also offers gap insurance, rental car reimbursement, and roadside assistance. Discounts are pretty standard for the industry, including good student, multi-vehicle, multi-product, and pay-in-full discounts. Midvale as an excellent (A) rating from A.M. Best for financial stability. Customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index are only slightly higher than expected for the industry.

Pros
  • Backed by the financial strength of American Family

  • Optional gap insurance and roadside assistance available

Cons
  • Can’t get a quote online – must call an agent

  • Poor customer reviews with Better Business Bureau

Drivers looking for cheap car insurance should consider Midvale Home & Auto, which offers liability-only car insurance at $82 per month and full coverage at $151 per month.

Wichita drivers should note that Midvale’s IQ Score is on the lower end, at 3.2, which means it’s a good option for those looking for a deal but may not offer the highest quality customer service.

Pros
  • Plenty of available discounts

  • A+ (Superior) A.M. Best rating

Cons
  • Lower IQ Score than other insurers in the area

  • Not accredited with the BBB

Best car insurance in Wichita for young drivers: Liberty Mutual

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$84/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.
$199/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Service has always been great

Jackie - January 30, 2023
Verified

I can’t figure how much I am paying.

Rickie - January 29, 2023
Verified

I got uninsured motorist added to meet the minimum state liability for less than what I was paying before, but now my rates have gone up even though I have an impeccable driving record and travel way under 10K miles annually.

Virginia - January 24, 2023
Verified
Read our Liberty Mutual review

Young drivers often pay more for car insurance, given their increased likelihood of getting into an accident.[4] Fortunately, Liberty Mutual offers some key discounts for younger drivers. Its good student discount and student away at school discount can help younger drivers and their families unlock lower rates while staying protected.

Pros
  • Offers key discounts for young drivers

  • Offers popular RightTrack telematics program

Cons
  • Slightly higher average rates for liability-only insurance

  • IQ Score of 3.8 is lower than some competitors

Best car insurance in Wichita for senior drivers: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
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.
$66/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.
$140/mo

Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.

Pros
  • Pays cash back to customers who remain claims-free

  • Many options for customizing car insurance

Cons
  • Limited number of discounts

  • Customer reviews indicate room for improvement in customer service

Good company but still kind of expensive

Pennie - February 8, 2023
Verified

No issues with them, but I do wish it was less expensive.

Angelica - January 21, 2023
Verified

Best insurance I’ve ever had

Brent - January 20, 2023
Verified
Read our Safeco review

Wichita drivers in their 60s pay an average of $150 per month for car insurance, with rates decreasing for drivers in their 70s and 80s. Fortunately, Safeco offers a rate well below those averages, at $97 per month. Safeco’s RightTrack usage-based telematics program is also a good option for senior drivers who may not commute regularly or take long road trips.

Pros
  • A (Excellent) A.M. Best rating

  • Offers a popular telematics program

Cons
  • Below-average J.D. Power customer satisfaction score (840 out of 1000)

  • IQ Score lower than Travelers and other local insurers

Best car insurance in Wichita for married drivers: State Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
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-
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.
$67/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.
$190/mo

Founded in 1921, State Auto is now a part of Liberty Mutual. The company sells policies in 33 states, although they don’t specify which ones on their website or Liberty Mutual’s site. State Auto offers three levels of protection with customizable coverages that can include roadside assistance, glass coverage, accident forgiveness, rideshare insurance, and more. Available discounts include one for safe driving (monitored by a telematics app) multiple policies, driver education and safety courses, anti-theft equipment, and for paying in full. State Auto has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Ample options for customizing coverages

  • Numerous discounts available

Cons
  • Not available in all states

  • Online quotes and purchasing not available

No problems

Dave - April 12, 2022
Verified

Received a rate increase without notice on renewal

Lynnette - February 2, 2021
Verified

Reasonable rates for the coverage we get on auto

BARBARA - March 17, 2019
Verified
Read our State Auto review

When you get married, you might add another car to your policy. Luckily, State Auto offers a multi-car discount for policyholders who need to insure multiple cars. State Auto also offers reasonable rates for Wichita and an IQ Score of 3.8.

Pros
  • Available multi-car discounts for families

  • Bundling discounts for couples looking to add home insurance

Cons
  • Full-coverage policies are expensive

  • Only a 1.16/5 customer rating on BBB website

Check Out: The 10 Best Car Insurance Companies

Check Out: The 10 Best Car Insurance Companies

How to shop for the best car insurance in Wichita

Every driver has different priorities when shopping for car insurance. Follow the steps below to find a car insurance option that meets your needs and budget.

  1. Assess your needs. Consider what you’re looking for in a car insurance policy. Do you want robust full coverage, or do you think you can get by with liability-only insurance? Are you looking for additional features like accident forgiveness or a telematics program? Answering these questions will refine your search.

  2. Do your research. Figure out which insurers offer policies that meet your needs. Don’t hesitate to ask friends and family if they have a local car insurance company they like. Try to find a diverse range of opinions online by reading customer reviews and evaluations from objective sources like J.D. Power and A.M. Best.

  3. Receive quotes from three or more companies. Narrow your list to at least three companies, then compare quotes online or contact the companies directly for quotes. Once you’ve gotten quotes from each, you can compare costs and benefits and decide which option offers the best value.

  4. Ask about discounts. Ask your insurance agent about discounts and additional coverages. Use this information to narrow your choices further.

  5. Review your choice and purchase a policy. Review the policy thoroughly before buying it. Once you feel comfortable with your policy choice, go ahead and sign it. Talk to your insurance agent if you’re not confident you fully understand it.

Find Car Insurance in Wichita

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Based on 3,806+ reviews
4.8/5
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ProgressiveLiberty MutualTravelers

How to get the cheapest car insurance in Wichita

Car insurance rates vary based on a variety of factors, including your age, ZIP code, driving history, marital status, vehicle, and coverage type.[5] Consider the tips below to find the lowest rates:

  • Take advantage of discounts. Every car insurance company offers discounts to its policyholders. Talk to your insurance agent about which you might qualify for.

  • Raise your deductible. Raising your deductible will generally lead to lower monthly car insurance rates. But remember that a higher deductible will mean you take on more financial risk in the event of a covered claim.

  • Choose the right vehicle. Insurance companies consider sports cars as riskier than standard cars. You can save on car insurance by choosing a less flashy vehicle with safety features.

  • Drive safely. Practicing safe driving habits is one of the best ways to save on car insurance. Avoid speeding and observe all the rules of the road. Enrolling in a defensive driving course can help you qualify for discounts.

  • Compare quotes from multiple insurers. Compare quotes from several car insurance companies, then compare these rates side by side. You can opt for the cheapest rate or choose a slightly pricier policy if it offers more benefits.

Liability-only vs. full-coverage insurance in Wichita

Kansas requires drivers to purchase liability auto insurance, which covers property damage and medical expenses if you cause an accident. Liability insurance won’t cover the cost of repairs to your vehicle or medical expenses in the event of an accident you cause, though.

Kansas requires at least $25,000 worth of bodily injury coverage per driver, $50,000 worth of bodily injury coverage per accident, and $25,000 worth of property damage insurance per accident. Drivers also must carry personal injury protection (PIP), which covers your and your passengers’ medical bills after an accident, regardless of who’s at fault.[6]

Drivers who want a higher level of protection should consider full-coverage insurance. Full-coverage policies include collision coverage on top of liability coverage, which covers repairs to your car in the event of a covered claim. Full coverage also includes comprehensive coverage, which covers damage caused by non-collision events, such as severe weather.

“Many auto policies stop at a maximum of $300,000, or $500,000 per accident for liability coverage,” explains Loretta Worters, vice president of media relations for the Insurance Information Institute. “The amount of liability coverage you carry should be high enough to protect your assets in the event of an accident. [The III] recommends at least $100,000/$300,000.”

Here’s a look at the cheapest auto insurance in Wichita by policy type.

Insurance CompanyAverage Monthly Quote: Liability Only

Average Monthly Quote:

Full Coverage

Midvale Home & Auto$82$151
Travelers$69$155
Safeco$97$188
Dairyland$118$237
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.

Travelers is the cheapest option for drivers looking for liability-only insurance, while Midvale is the affordable choice if you’re looking for full coverage. Each company offers a rate below the city average of $151 per month for liability coverage.

Learn More: How Much Car Insurance Do You Need?

Learn More: How Much Car Insurance Do You Need?

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Kansas car insurance rates by driving and accident history

Drivers with infractions on their record should expect to pay higher car insurance rates than drivers with clean records. Car insurance companies see these drivers as a higher risk for future claims, so they charge higher monthly premiums to offset these risks.

Rate increases vary depending on the infraction. For example, drivers charged with driving under the influence pay nearly twice as much as drivers with clean records. Speeding tickets will almost always lead to higher rates, though the increase is less severe. Drivers with at-fault accidents on their records will also pay higher rates but can still shop around to save. 

Here’s a look at average monthly quotes for the cheapest car insurance in Wichita based on driving history.

Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
Nationwide$128$183$255$172
Midvale$151$216$300$202
Travelers$155$221$308$207
Safeco$188$270$375$253
Dairyland$237$339$472$318
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.

Wichita car insurance quotes by credit tier

Kansas allows car insurance companies to consider your credit score when determining your car insurance rate. Drivers with excellent or good credit scores pay lower car insurance rates on average, while drivers with poor credit scores tend to pay more. Insurers typically charge drivers with poor credit more to offset the risk of a missed payment.

Find Car Insurance in Wichita

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Based on 3,806+ reviews
4.8/5
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ProgressiveLiberty MutualTravelers

Wichita car insurance rates by driver age

Car insurance companies also factor in your age when determining rates. Young drivers are typically considered riskier than older drivers with more experience. As a result, they face higher average rates because of their increased risk of an accident.

Car insurance companies find that the risk of a serious accident decreases with age, so prices generally decrease as you age. The table below highlights how much Wichita drivers pay based on age. Prices decrease sharply once drivers hit their 50s, falling to $112 as drivers hit their 80s.

Age GroupAverage Monthly Quote
Teenagers$446
Younger than 25$296
20s$191
30s$189
40s$196
50s$160
60s$150
70s$129
80+$112
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?

On average, no. The average American pays $212 per month on car insurance, much higher than the average rate in Wichita. Wichita’s average rate is higher than the rates in Topeka and Overland Park but roughly in line with the average rate in Kansas City.

Car insurance rates can vary based on several geographic factors. For instance, drivers in cities with a higher crime rate will pay higher rates on average, given the increased risk of vehicular theft. Drivers in areas with severe weather also tend to pay more on average and should consider comprehensive coverage to protect against weather-related damage.[5]

Here’s how Wichita’s liability-only car insurance rates stack up against other cities in Kansas:

CityAverage Monthly QuoteCompared to Wichita
Topeka$122-21%
Overland Park$131-14%
Kansas City$150-1%
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.

And here’s how Wichita’s liability-only rates stack up against other major American cities:

CityAverage Monthly QuoteCompared to Wichita
Atlanta$288+90%
New York$515+341%
Chicago$143-6%
Dallas$202+34%
Houston$247+63%
Philadelphia$222+47%
Los Angeles$187+23%
Phoenix$217+43%
Tampa$555+367%
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.

Find local Wichita agents

  • Wiggans Farha Insurance Group

    257 S Hillside,
    Wichita, KS 67211
  • HENSLEY INSURANCE INC

    2912 N Ridge Road,
    Wichita, KS 67205
  • Stan Miller Agency

    9415 E Harry St Ste 106,
    Wichita, KS 67207-5072
  • Insurance Partners of Kansas

    1819 South Rock Road,
    Wichita, KS 67207
  • Bob Kellet Agency

    PO Box 2639,
    Wichita, KS 67201
  • Design Benefits, LLC

    404 S. Holland #2,
    Wichita, KS 67209
  • IMA Select, LLC

    8200 E 32nd St N Ste 210,
    Wichita, KS 67226
  • Eydent Insurance Services, LLC

    8200 E. 32nd St. North,
    Wichita, KS 67226
  • Asset Insurance Consultants

    550 N 159th E Ste 100,
    Wichita, KS 67230
  • Hank Johnson Insurance

    3242 W 13th St N Ste 200,
    Wichita, KS 67203
View more

Wichita car insurance FAQs

Navigating car insurance can be complicated. Below, you’ll find answers to some commonly asked questions about car insurance in Wichita.

  • Who has the cheapest car insurance in Wichita?

    You should always compare quotes from at least three different insurers to find the cheapest car insurance. Travelers ($69/month), Midvale Home & Auto ($82/month), and Safeco ($97/month) offer the lowest prices in Wichita for liability-only car insurance.

    Liability-only coverage doesn’t provide collision or comprehensive coverage, so you’re less financially protected in the event of a claim that exceeds your coverage limits. Nationwide offers Wichita drivers the lowest rates on full-coverage insurance, at just $128 per month.

  • What are the minimum car insurance requirements in Kansas?

    Kansas requires drivers to have $25,000 worth of bodily injury liability coverage per person, $50,000 worth of bodily injury liability coverage per accident, and $25,000 worth of property damage coverage per accident. The state also requires drivers to carry personal injury protection (PIP).[6]

  • What are the best car insurance companies in Wichita?

    Wichita drivers have plenty of choices when it comes to high-quality car insurance. Travelers scores highest in Insurify’s rankings, with Nationwide, Safeco, Safety Auto, and Liberty Mutual rounding out the top five. The average rate of Travelers is $69 per month, making it one of the most affordable options as well.

  • How much does car insurance cost in Wichita?

    Wichita drivers pay an average of $151 per month for car insurance. Rates will vary based on your age, gender, marital status, coverage limits, vehicle type, and more. Compare quotes from at least three car insurance companies to find the best value.

  • Is Kansas a no-fault state?

    Yes. Kansas is a no-fault state, which means that after an accident, both drivers need to file claims with their own insurance, regardless of who was at fault. Kansas drivers are therefore required to carry personal injury protection (PIP), which covers you and your passengers’ medical expenses, lost wages, and funeral expenses after an accident.[6]

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.

Sources

  1. A.M. Best. "Auto Insurance." Accessed June 5, 2023
  2. J.D. Power. "2022. U.S. Auto Claims Satisfaction Study." Accessed June 5, 2023
  3. Better Business Bureau. "Reviews." Accessed June 5, 2023
  4. The Insurance Institute for Highway Safety. "IIHS, Consumer Reports update teen vehicle recommendations for 2023." Accessed June 5, 2023
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed June 5, 2023
  6. Kansas Insurance Department. "Auto Insurance." Accessed June 5, 2023
Mark Steinbach
Mark SteinbachInsurance Writer

Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.

Danny Smith
Edited byDanny SmithHome and Pet Insurance Editor
Photo of an Insurify author
Danny SmithHome and Pet Insurance Editor
  • P&C license candidate in Massachusetts

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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