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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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.
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Insurance Company
Best For
Average Monthly Quote: Liability Only
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.
Travelers
Best overall
$69
4.3
Nationwide
Best value
N/A
4.1
Midvale Home & Auto
Most affordable
$82
3.2
Liberty Mutual
Young drivers
$202
3.8
Safeco
Senior drivers
$97
3.7
State Auto
Married drivers
$103
3.8
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.
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.
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
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.
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
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
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.
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
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.
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
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
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
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.
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.
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.
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.
Ask about discounts. Ask your insurance agent about discounts and additional coverages. Use this information to narrow your choices further.
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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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.
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.
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 Company
Clean Record
At-Fault Accident
With a DUI
Speeding 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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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.
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:
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:
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.
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.
Kansas Insurance Department. "Auto Insurance." Accessed June 5, 2023
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.
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.
Travelers
Nationwide
Midvale Home & Auto
Liberty Mutual
Safeco
State Auto
