Cheap Auto Insurance Quotes in Wichita, KS (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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Wichita, KS Driving Facts

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.

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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.

Driver's AgeAvg. Monthly Cost
teens$432
20s$248
30s$190
40s$203
50s$208
60s$129
70s$183
80s$141
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$221
Good$225
Average$227
Poor$220

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Wichita stacks up for the state of Kansas:

honda
Honda Accord
Most Popular Car in
Wichita, KS
suspended licenses
#3
Cities with Most
Suspended Licenses Rank
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.