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.
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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.
|Failure to Stop for Red Light / Stop Sign||$297|
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.
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.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.