Cheap Auto Insurance Quotes in Wichita, KS (2021)

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As the largest city in Kansas with close to 400,000 residents, Wichita roads are busy. Drivers here have been named some of the worst in the nation, as they are said to merge at the last minute, drive without using turn signals, and cause traffic jams due to rubbernecking at the scene of a collision. Due to the risks of driving on Wichita roads, it’s recommended that you enroll in a comprehensive auto insurance policy in the event of an accident.

Car Insurance in Wichita, KS

The average cost of Kansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Wichita, KS to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$57
$78
$98
$118
$137
AllstateState FarmNationwideProgressiveAmerican Family
Monthly $

Cheapest Car Insurance in Wichita, KS

Here are the cheapest carriers in Wichita for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Wichita, KS

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Wichita. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$123
$142
$103
$127
$120
$122
KansasKansas CityOlatheTopekaLawrenceWichita
Monthly $

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Wichita, KS Driving Facts

kansas

Minimum Car Insurance Requirements in KS

Each state has at least a few differences in how it manages and enforces car insurance laws, so it’s important to understand the quirks and nuances of your state like this one: Is car insurance required in Kansas? Well, yes and no.

It may seem rare, but several states, including Kansas, offer alternatives to carrying insurance. This alternative is called Financial Responsibility in Kansas. Essentially, instead of going through an insurance company to cover damages drivers cause, drivers pay for damages out of their own pockets. Before they can legally drive without a policy, they must file proof of financial responsibility with the state.

For some drivers, this may seem like a great option. But for most everyone, driving without insurance is like walking a tightrope with no safety net—over the Grand Canyon in a windstorm. 

If you (hopefully) decide to purchase coverage, then you’ll need to purchase at least the required minimum coverage. These are:

  • $25,000/$50,000 bodily injury liability per person/accident
  • $25,000 property damage liability
  • $25,000/$50,000 uninsured and underinsured motorist protection 
  • $4,500 personal injury protection coverage per person

These are called minimum requirements for a reason. Drivers can certainly purchase higher liability coverage limits for themselves and their families, and many drivers should. Once the limits are reached in the event of an accident, the driver at fault will be required to cover damages.

For drivers who often cart around several passengers at a time, it’s easy to see how quickly minimums will be exceeded. The same logic also applies to underinsured/uninsured motorist coverage limits.

Wichita Car Insurance Rates by Driver Age

While the majority of drivers in Wichita are under 50 years of age, those who are older than 50 get to enjoy the lowest car insurance rates around. The cheapest price of $128 is granted to motorists in their 60s, while drivers under the age of 20 pay more than three times this rate, at an average of $431. Premiums fluctuate as you age, but in general, rates do go down for drivers as their experience on the road increases.

Driving History
No Violation$209
Speeding Ticket$285
At-Fault Accident$269
Failure to Stop for Red Light / Stop Sign$297

Wichita Car Insurance Rates by Driving and Accident History

Driving recklessly in Wichita will certainly impact your car insurance rates, as moving violations are taken seriously here. Individuals with a clean driving record pay $208 on average and are charged an additional $60 after an at-fault accident is added to their history. A speeding ticket pushes premiums up to the $284 range, and a failure-to-stop violation tends to be the most expensive, at an average of $296.

Wichita Car Insurance Rates by Credit Tier

Although some factors will heavily influence your car insurance prices in Wichita, your credit rating isn’t one of them. Typically, drivers will get to enjoy a bit of savings as their credit score improves, but the differences here are minimal. Drivers with poor credit tend to pay an average of $219, while those with average and good scores pay $226 and $224, respectively. Even those with excellent credit are charged $220 a month on average.

Wichita, KS DMV Information

Wichita features only one actual DMV office, with several miscellaneous tag offices close by. Unfortunately, this DMV location is one of the few in the entire state, making it a popular destination for many who live in outlying areas. It’s been described as very disorganized, so if you have to visit, allow ample time.

Public Transportation in Wichita, KS

By all accounts, it sounds like owning a vehicle in Wichita can be troublesome, but thankfully, you can still get around the city via several public transit options. There are 18 bus routes that extend throughout the city but only run six days per week. Rideshare options like Lyft and Uber are plentiful and quick trips in the downtown area can be accomplished using the Q-Line Trolley. Bikesharing is also becoming a popular option during nice weather.

Conclusion: How to get the best and cheapest car insurance in Wichita, KS

Between dangerous drivers and long lines at the DMV, owning a vehicle in Wichita can be expensive and time-consuming. However, you don’t have to waste money on overpriced insurance policies, as Kansas residents could find they are eligible for discounts and lower rates based on good driving habits.

Drivers who are price shopping can head to Insurify and, after answering a few questions, compare real-time quotes from multiple companies. You may not be able to control others on the road, but at least you can control how much you pay for car insurance.

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

Insurify Insights: How Wichita Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Wichita, KS
suspended licenses
#3
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Wichita drivers measure up to their fellow Kansas motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Wichita

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Wichita drivers rank 4 in the number of car accidents per driver across all cities in Kansas.

  • Rank within state: #4
  • Percent of drivers in Wichita with an accident: 11.99%
  • Drivers in Wichita, KS with an accident in their driving history paid on average 57.71% more than drivers with a clean record

Speeding Wichita

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kansas, Wichita drivers rank 4 in the number of speeding infractions per driver.

  • Rank within state: #4
  • Percent of drivers in Wichita with a speeding ticket: 14.99%
  • Drivers in Wichita, KS with a speeding ticket in their driving history paid on average 54.29% more than drivers with a clean record

DUI/DWIs Wichita

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Wichita drivers rank 5 in the number of DUI’s per driver across all cities in Kansas.

  • Rank within state: #5
  • Percent of drivers in Wichita with a DUI: 2.15%
  • Drivers in Wichita, KS with a DUI in their driving history paid on average -86.86% more than drivers with a clean record

Most Popular Vehicle Wichita

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Wichita is the Ford F-Series Pickup.

Rude Wichita

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Kansas, Wichita drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Wichita with a reckless driving violation: 2.7%
  • Drivers in Wichita, KS with a reckless driving violation in their driving history paid on average 45.14% more than drivers with a clean record.

Safest Drivers Wichita

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Wichita drivers rank 6 in clean driving records across all cities in Kansas.

  • Rank within state: #6
  • Percent of drivers in Wichita with clean record: 75.44%

Failure to Yield the Right of Way Wichita

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Wichita drivers rank 3 in failure to yield violations per driver across all cities in Kansas.

  • Rank within state: #3
  • Percent of drivers in Wichita with a failure to yield violation: 0.55%
  • Drivers in Wichita, KS with a failure to yield violation in their driving history paid on average 1100% more than drivers with a clean record

Reckless Drivers Wichita

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Kansas, Wichita drivers rank 2 in the number of reckless driving offenses per driver.

  • Rank within state: #2
  • Percent of drivers in Wichita with a reckless driving offense: 0.12%

Hybrid/Electric Vehicle Ownership Wichita

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Wichita drivers rank 3 in hybrid and electric vehicle ownership across all cities in Kansas.

  • Rank within state: #3
  • Percent of drivers in Wichita with a hybrid/electric vehicle: 1%
Most Patriotic City

Most Patriotic City

Wichita

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Topeka won Insurify's Most Patriotic Cities Award for the state of Kansas. Topeka’s Monroe School, which was at the center of the landmark Supreme Court case Brown v. Board of Education (1954), is now a national park.


FAQs - Wichita, KS Car Insurance

Is Kansas a no-fault state when it comes to auto accidents?

Yes, if you get into a collision in Wichita or anywhere else in Kansas, your insurance company will pay injury-related expenses and certain other costs towards your claim no matter who is at fault. In busy cities like Wichita, this can provide peace of mind when you’re behind the wheel.

What happens if I drive in Wichita with no car insurance?

Kansas is very strict when it comes to driving without insurance; a first offense could earn you a fine of up to $1,000 and up to six months in jail. Repeat offenders can lose their license for up to three years.

How expensive is car insurance in Wichita?

Many drivers will find that auto insurance in this part of Kansas is more expensive than the national average. If you’re looking to keep your car insurance costs low, visit Insurify to compare prices quickly and easily.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.