Best Car Insurance Companies in Wichita, KS

The best auto insurance company varies depending on your needs and driver profile. Auto-Owners Insurance Co is the ideal provider for seniors, while Nationwide is best for teens. American Family is the top choice for young adults and drivers with offenses. Consider Shelter if you want the best customer experience and Travelers if you have a new car.

MoneyGeek also reviewed the cheapest car insurance companies in Wichita if cost is your primary consideration.

The following providers offer the best auto insurance in Wichita:

• Auto-Owners Insurance Co: MoneyGeek score of 80 out of 100 ($889 per year)
• American Family: MoneyGeek score of 79 out of 100 ($870 per year)

Auto-Owners Insurance beats its nine competitors by offering most essential coverages at highly affordable rates. With a MoneyGeek score of 85 out of 100, USAA is the ideal provider in Wichita for military-affiliated individuals and their families. We also found that USAA is the best car insurance company in Kansas. It is closely followed by Shelter, while our runner-up in Wichita, American Family, takes the third spot across the state.

Auto-Owners Insurance Co is our top pick out of the 10 insurance providers we ranked in Wichita, Kansas. It’s the fourth-cheapest option, with full coverage policies costing an average of $889 per year. Despite having affordable rates, Auto-Owners Insurance Co provides above-average customer service. It also offers three of the four essential coverages.

Note that our analysis focused on rates for a full coverage policy. We only calculated MoneyGeek scores for companies that had sufficient data to satisfy all components in our scoring system.

The car insurance companies that provide the best service in Wichita, irrespective of cost, are:

• Shelter: MoneyGeek score of 68 out of 100 ($1,281 per year)
• Auto-Owners Insurance Co: MoneyGeek score of 66 out of 100 ($889 per year)

Shelter earned the highest customer satisfaction rating and offers most essential coverages. But Shelter's car insurance policies tend to be more expensive compared to other providers.

When you have an insurer that delivers good service, you can be confident the company will address your concerns promptly and process your claims with urgency. Shelter is our top pick due to its excellent customer satisfaction rating and track record of providing most essential coverages.

The best auto insurance providers in Wichita that meet Kansas’s minimum coverage requirements are:

• Auto-Owners Insurance Co: MoneyGeek score of 81 out of 100 ($341 per year)
• Nationwide: MoneyGeek score of 77 out of 100 ($267 per year)

The minimum car insurance requirements in Kansas are the same in all cities within the state. Minimum coverage policies are typically the cheapest auto insurance option you’ll find. But the liability coverage in these policies can fall short of what most drivers need. These policies also won’t cover damages to your vehicle, so you can spend a hefty amount for car repairs in the event of an accident.

Insurance providers with the best minimum coverage policies offer the lowest rates without sacrificing service quality. Typically, the cheapest rates come with a below-average customer experience. But you can enjoy the most affordable premiums alongside great service with our top pick, Auto-Owners Insurance Co.

Young adults in Wichita will find the best auto insurance from the following providers:

• American Family: MoneyGeek score of 79 out of 100 ($1,036 per year)
• Auto-Owners Insurance Co: MoneyGeek score of 78 out of 100 ($1,187 per year)

American Family received the second-best rating for affordability and ranked fourth on customer satisfaction. This means policyholders tend to receive quality service at an affordable cost. We also reviewed the best car insurance for young drivers to help you find the most suitable option for your needs.

Most young adults have limited budgets and seek the cheapest insurance options. The best insurer for young adults combines affordable rates with coverages and discounts that are tailored to them. Reliable and efficient service is also a must. Our winner, American Family, ticks all these boxes, offering the second-cheapest full coverage policies that can be reduced further through good student, distant student and legacy discounts.

The best car insurance companies in Wichita for adding a 16-year-old male to a parent’s policy are:

• Nationwide: MoneyGeek score of 73 out of 100 ($1,277 per year)
• Allstate: MoneyGeek score of 58 out of 100 ($2,169 per year)

Nationwide combines above-average customer satisfaction and coverage scores with the most affordable teen rates. Insurance for teens is very expensive, and the best way to save is by adding the teen to a family policy. In Wichita, you can save around $2,544 per year by employing this strategy when purchasing the best car insurance for teens.

Teens are among the most expensive drivers to insure because their inexperience puts them at a higher risk for road accidents and even fatal crashes. A good policy for teens combines reasonable rates with must-have coverages for new drivers, such as roadside assistance and accident forgiveness. Our top pick, Nationwide, offers these together with good student discounts.

The best car insurance companies for seniors in Wichita are:

• Auto-Owners Insurance Co: MoneyGeek score of 79 out of 100 ($861 per year)
• American Family: MoneyGeek score of 78 out of 100 ($802 per year)

Auto-Owners Insurance Co earns top marks for its coverage options and affordable premiums. Drivers in their 60s pay the same car insurance rates as drivers in their 30s through 50s. However, be prepared for significant rate increases once you reach your 70s.

Even a minor accident can cause serious injuries if you’re older. The ideal car insurance company for seniors offers affordable full coverage policies with other benefits like personal injury protection (PIP) that help pay for medical expenses. Auto-Owners Insurance Co fits the bill, providing PIP in addition to useful add-ons like roadside assistance and rental car and travel reimbursement. With these coverages, seniors won’t have to dip into their retirement savings to pay for accident-related expenses.

The best car insurance providers for Wichita drivers with violations on their records are:

• American Family: MoneyGeek score of 79 out of 100 ($1,039 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($960 per year)

American Family offers several add-ons you can purchase on top of its highly affordable rates – the second-cheapest out of 10 providers in Wichita. Typically, the severity of the violation determines the increase in your premiums. In Wichita, expect your annual premium to spike by about $750 after a DUI and $291 after a speeding ticket. It’s no surprise that auto insurance is usually more expensive for drivers with offenses, but you might save up to hundreds of dollars simply by purchasing a policy from one of the best auto insurers for drivers with poor records.

Some insurers don’t accept drivers with a history of offenses. Those that do typically charge higher rates. The ideal insurer for drivers with offenses provides the lowest possible rates and many discounts. Our top pick, American Family, offers the second-cheapest full coverage policies out of 10 providers in Wichita. It also has an impressive list of discounts and useful coverages like roadside assistance, rental car reimbursement, accident forgiveness and gap insurance.

The following are the best insurers for owners of new cars in Wichita:

• Travelers: MoneyGeek score of 76 out of 100 ($1,211 per year)
• Farmers: MoneyGeek score of 49 out of 100 ($1,525 per year)

These rankings are based on affordability and service quality for Kansas drivers with a 2022 car model. Our analysis only included companies that offer better or new car replacement coverage. New car replacement coverage pays for a brand-new car of the same make and model as your current vehicle if it is totaled in a covered accident. Our top pick, Travelers, offers this coverage as an add-on to its full coverage policies.

Drivers with new cars should purchase a policy with new or better car replacement coverage, especially if they have an expensive vehicle. With this coverage, your insurer will shoulder the cost of buying a new vehicle if your current one is totaled. Our winner, Travelers, offers new car replacement coverage, which pays for a vehicle of the same make and model as your damaged car if it is totaled within five years of purchase.

The best car insurer in Wichita for you depends on your driver profile, needs and preferences. MoneyGeek helps you make the right choice by giving you the most important details to narrow down your options.