120+ more*Quotes generated for Insurify users in and around Wichita, Kansas within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Wichita, Kansas within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Car insurance quotes in Wichita, Kansas, average $89 per month for liability coverage and $175 per month for full coverage. Rates are higher than the average car insurance cost in Kansas and in Salina but lower than in Kansas City.
Wichita’s population density of 2,454 people per square mile is higher than the state average of 36.[1] More people on the road means greater exposure to accidents, which contributes to higher car insurance rates. In 2024, Wichita had 9,196 crashes — the most of any city in Kansas.
The city also sits in Tornado Alley and experiences severe storms that can produce hail the size of baseballs.[2] Tornadoes and hail often cause significant vehicle damage, driving up the cost of car insurance in Wichita.
Kansas car insurance requirements include $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 in property damage liability, personal injury protection (PIP), and uninsured/underinsured motorist coverage — more than most states require.[3]
Driving without insurance is a class B misdemeanor with fines of up to $1,000 and potential license suspension.
Liability insurance averages $89 per month — higher than the state average. While cheaper than full coverage, liability insurance doesn’t protect your vehicle.
You can compare quotes for cheap liability car insurance in Wichita below.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $56 |
| USAA | $60 |
| American Family | $65 |
| Progressive | $65 |
| Root | $68 |
| Auto-Owners | $71 |
| CSAA | $72 |
| Safeco | $79 |
| National General | $81 |
| Dairyland | $82 |
| GEICO | $83 |
| Bristol West | $85 |
| Travelers | $95 |
| The General | $98 |
| Allstate | $101 |
| Direct Auto | $103 |
| Farmers | $124 |
| Liberty Mutual | $124 |
| Nationwide | $125 |
| Shelter | $151 |
Liability rates start at $56 per month
Wichita ranked No. 14 nationally for vehicle thefts per capita in the first half of 2025, according to the National Insurance Crime Bureau. Because of this, Wichita drivers may want to consider a full-coverage insurance policy.
Comprehensive coverage helps pay to replace or repair your vehicle if someone steals or vandalizes it.
Full coverage in Wichita costs more than in many other Kansas cities, averaging $175 per month. The table below shows companies with cheap full-coverage car insurance in Wichita.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $104 |
| USAA | $115 |
| Root | $122 |
| American Family | $123 |
| National General | $131 |
| Auto-Owners | $134 |
| CSAA | $148 |
| Progressive | $153 |
| GEICO | $159 |
| Direct Auto | $163 |
| Safeco | $163 |
| Travelers | $179 |
| Bristol West | $190 |
| Allstate | $193 |
| Liberty Mutual | $211 |
| The General | $219 |
| Farmers | $234 |
| Nationwide | $240 |
| Dairyland | $249 |
| Shelter | $285 |
Ranking No. 5 in the county for vehicle theft rates, Kansas City has the highest average car insurance premiums in the state, while Salina and Manhattan have the lowest.
Wichita has the second-highest car insurance rates in Kansas, just behind Kansas City. While vehicle theft rates aren’t as high as in Kansas City, Wichita still ranks No. 14 nationally for thefts per capita.
The city also had the most crashes in Kansas in 2024, according to the Kansas Department of Transportation (KDOT).
See the table below for average monthly rates across several Kansas cities.
City | Average Monthly Quote |
|---|---|
| Garden City | $124 |
| Kansas City | $136 |
| Lawrence | $106 |
| Manhattan | $99 |
| Topeka | $112 |
| Wichita | $132 |
*Quotes generated for Insurify users in and around Wichita, Kansas within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Wichita, Kansas within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Kansas, insurers often divide drivers into three categories to determine rates: preferred (low risk), standard (moderate risk), and non-standard (high risk). Here’s a look at cheap car insurance quotes in Wichita, Kansas, across different driving profiles:
Cheapest car insurance for Wichita drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Wichita: State Farm
Cheapest car insurance for Wichita drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Wichita: State Farm
More than 5% of Wichita drivers have a speeding ticket, and about 5% have an at-fault accident on their driving record, according to Insurify data. Kansas is a no-fault state, meaning each driver’s PIP pays for medical expenses after a car accident, regardless of who caused the crash.
Also, about 1% of Wichita drivers have a driving under the influence (DUI) conviction. The consequences of a DUI in Kansas could include jail time, loss of your driver’s license, criminal charges, and an SR-22 requirement.
An incident, like a ticket, at-fault accident, or DUI, can affect your insurance rates in Kansas. See the table below for average monthly quotes in Wichita by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $132 |
| Speeding ticket | $164 |
| At-fault accident | $186 |
| DUI | $174 |
Although Kansas has a lower uninsured motorist rate than the national average, Sedgwick County has between 65,000 and 100,000 suspended licenses — about half the state total. Many people with suspended licenses drive anyway, often without insurance.
While you can reject uninsured motorist coverage in writing, keeping it can protect you if you’re in an accident with an uninsured driver.
Besides uninsured drivers, flooding presents another hazard in Wichita, as parts of the city lie within the Federal Emergency Management Agency’s (FEMA) 100-year floodplain. Winter weather is another factor, bringing an average of almost 13 inches of snow annually. In 2024, nearly 5% of all Kansas crashes occurred in snow or ice conditions.
Downtown Wichita has more than 2,000 on-street spaces, which cost $1 per hour. Public garages are also available, with parking costing $10 per day.
Parking rates may vary during special events, but pricing is typically posted on event and parking websites.
Wichita drivers have a shorter average commute than the statewide average — 18 minutes versus 20 minutes. That said, Wichita roads still carry risk.
Interstate 135, the city’s main north-south corridor, has two left lanes closed between Lincoln Street and Douglas Avenue through September 2027, with speed reduced to 50 mph. K-96 also faces ongoing congestion.
In 2024, 352 of Wichita’s crashes were alcohol-related, according to KDOT. More crashes and DUI violations can mean higher car insurance rates for Wichita drivers.
To reduce impaired driving, Kansas runs statewide DUI enforcement campaigns year-round, including on New Year’s Day and Labor Day.
Teen drivers in Kansas can start driving as young as 14 with an instruction permit. In 2024, KDOT recorded 12,063 teen crashes with 42 fatalities.
Because teens pose a higher risk on the road, insurers charge them higher rates, averaging $170 per month for liability-only coverage.
You can find the most affordable car insurance for teen drivers in Wichita below.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $111 |
| USAA | $114 |
| Root | $121 |
| Progressive | $124 |
| American Family | $126 |
| CSAA | $142 |
| Dairyland | $147 |
| Auto-Owners | $148 |
| GEICO | $154 |
| Bristol West | $155 |
| Safeco | $164 |
| National General | $166 |
| The General | $180 |
| Travelers | $202 |
| Allstate | $205 |
| Direct Auto | $205 |
| Liberty Mutual | $223 |
| Nationwide | $250 |
| Farmers | $254 |
| Shelter | $308 |
Let us do the work getting quotes from 120+ companies. You sit back and save!
Seniors make up about 14% Wichita’s population, according to the City of Wichita — below the Kansas average of nearly 18%, per U.S. Census data. Drivers 60 and older tend to have fewer crashes than younger drivers, so insurers charge lower average rates.
Wichita seniors pay an average of $76 per month for minimum-coverage liability insurance.
The table below shows the cheapest car insurance options in Wichita for senior drivers.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $44 |
| USAA | $48 |
| American Family | $52 |
| CSAA | $55 |
| Progressive | $55 |
| Auto-Owners | $56 |
| Root | $56 |
| National General | $63 |
| GEICO | $65 |
| Safeco | $69 |
| Dairyland | $69 |
| Bristol West | $70 |
| Travelers | $75 |
| Allstate | $81 |
| The General | $83 |
| Direct Auto | $84 |
| Nationwide | $95 |
| Farmers | $98 |
| Liberty Mutual | $102 |
| Shelter | $107 |
Wichita drivers face severe weather, auto theft risk, and traffic congestion, all of which affect the cost of auto coverage. The information below can help you compare coverage options and find the best car insurance companies in Wichita.
Wichita car insurance costs an average of $89 per month for liability-only coverage and $175 per month for full coverage. Rates are generally higher than the state average but lower than the national average.
State Farm has the cheapest liability rates in Wichita, averaging $56 per month, but prices vary by driver. An independent insurance agent can compare coverage options to help you find the most affordable car insurance in Wichita.
The average cost of car insurance coverage in Kansas is $78 per month for liability-only coverage and $152 per month for full coverage. Average rates in Kansas are lower than the national average of $98 per month for liability coverage and $187 per month for full coverage.
Several factors affect the cost of auto insurance in Wichita, including your age, gender, driving history, credit history, the make and model of your vehicle, and whether you bundle your auto and home insurance or life insurance.
For more affordable car insurance in Wichita, the Kansas Department of Insurance recommends comparing insurance companies, raising your deductibles, asking about discounts, and maintaining a safe driving record.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.