GEICO offers the lowest car insurance rates in Wichita, with average annual premiums of $338 for minimum coverage and $919 for full coverage. Other affordable insurers in the city include Auto-Owners, Travelers and State Farm.
Car Insurance in Wichita
Updated: August 14, 2025
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Key Takeaways
Wichita's cheapest car insurance companies are GEICO, Auto-Owners and Travelers, with savings up to 44% compared to the city average.
Monthly car insurance costs in Wichita average $128 for full coverage and $51 for minimum coverage.
To get the best cheap auto insurance in Wichita, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Wichita?
| GEICO | $28 | $77 | -45% |
| Auto-Owners | $32 | $83 | -39% |
| Travelers | $37 | $83 | -36% |
| State Farm | $42 | $129 | -9% |
| Shelter | $55 | $122 | -6% |
Compare the Cheapest Wichita Car Insurance for You
Your driving history and personal details can significantly change your car insurance rates from different companies. Check the table below to find the cheapest insurer for your specific profile, whether you're a young driver, have a clean record, or need coverage after a violation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $110 | $1,322 | -45% |
| Auto-Owners | $113 | $1,357 | -43% |
| Geico | $128 | $1,532 | -36% |
| State Farm | $152 | $1,822 | -24% |
| Shelter | $162 | $1,942 | -19% |
Cheapest Car Insurance by Age Group in Wichita
Car insurance prices vary significantly by age in Wichita. Based on our analysis, here's who offers the lowest rates for each age group:
- Cheapest Car Insurance for Young Drivers (16 to 25): Travelers at $74 per month
- Cheapest Car Insurance for Adults (26 to 64): GEICO at $28 per month
- Cheapest Car Insurance for Seniors (65+): GEICO at $44 per month
Cheapest Car Insurance for Young Drivers in Wichita
Travelers and Auto-Owners provide the lowest car insurance rates for young drivers in Wichita, with monthly premiums starting at $74 and $85, respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $74 | $882 | -46% |
| Auto-Owners | $85 | $1,023 | -38% |
| GEICO | $92 | $1,104 | -33% |
| State Farm | $111 | $1,330 | -19% |
| Farm Bureau | $111 | $1,331 | -19% |
Cheapest Car Insurance for Adult Drivers in Wichita
In Wichita, GEICO offers the lowest rates for adult drivers (26 to 64), saving drivers an average of 48%. Travelers and State Farm are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $28 | $338 | -48% |
| Auto-Owners | $32 | $385 | -40% |
| Travelers | $37 | $450 | -30% |
| State Farm | $42 | $509 | -21% |
| Farm Bureau | $47 | $566 | -12% |
Cheapest Car Insurance for Senior Drivers in Wichita
For Wichita seniors aged 65 and up, GEICO offers the lowest minimum coverage at $44 per month ($528 annually), while Travelers provides the cheapest full coverage at $101 monthly ($1,216 per year).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $44 | $528 | -40% |
| Travelers | $51 | $609 | -31% |
| Auto-Owners | $56 | $668 | -25% |
| Farm Bureau | $57 | $686 | -23% |
| State Farm | $58 | $694 | -22% |
Cheapest Car Insurance for High-Risk Drivers in Wichita
If you're a high-risk driver in Wichita, these insurance companies offer the most affordable rates based on your situation:
- Cheapest for Bad Credit: GEICO (from $96 per month)
- Cheapest With a DUI: State Farm (from $46 per month)
- Cheapest With an Accident: Auto-Owners (from $49 per month)
- Cheapest With a Speeding Ticket: GEICO (from $34 per month)
Cheapest Car Insurance for Bad Credit in Wichita
GEICO offers the cheapest car insurance for bad credit in Wichita, with monthly rates starting at $96 for minimum coverage and $231 for full coverage. These affordable rates give drivers with poor credit two clear options based on their coverage needs.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| GEICO | $96 | $1,155 | -39% |
| Farm Bureau | $107 | $1,280 | -33% |
| Auto-Owners | $111 | $1,337 | -30% |
| Shelter | $112 | $1,350 | -29% |
| Travelers | $137 | $1,649 | -13% |
Cheapest Car Insurance With a DUI in Wichita
State Farm and Travelers offer the most affordable car insurance rates in Wichita for drivers with a DUI. These providers charge up to 48% less than average for minimum coverage and 44% less for full coverage policies, respectively.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $46 | $548 | -48% |
| Travelers | $51 | $611 | -42% |
| Progressive | $67 | $804 | -23% |
| Shelter | $79 | $950 | -9% |
| Dairyland | $88 | $1,051 | 0% |
Cheapest Car Insurance With an Accident in Wichita
Auto-Owners offers the cheapest car insurance in Wichita for drivers with an accident record, with rates starting at $49 monthly. This price is 40% below the city average for similar coverage.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Auto-Owners | $49 | $582 | -40% |
| Travelers | $49 | $582 | -40% |
| State Farm | $50 | $601 | -38% |
| GEICO | $51 | $613 | -37% |
| Farm Bureau | $73 | $877 | -10% |
Cheapest Car Insurance With a Speeding Ticket in Wichita
For Wichita drivers with speeding tickets, GEICO offers the most affordable insurance options. Their minimum liability coverage costs $34 per month, while full coverage with higher limits runs $94 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| GEICO | $34 | $413 | -49% |
| Travelers | $45 | $544 | -33% |
| State Farm | $46 | $548 | -32% |
| Auto-Owners | $52 | $619 | -24% |
| Shelter | $59 | $705 | -13% |
Best Car Insurance Companies in Wichita
In Wichita, the top car insurance companies are Auto-Owners, Travelers, GEICO and State Farm. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Auto-Owners | 95 | 2 | 1 | 6 |
| Travelers | 93 | 3 | 2 | 5 |
| GEICO | 89 | 1 | 6 | 7 |
| State Farm | 81 | 4 | 5 | 7 |
| Progressive | 81 | 8 | 3 | 2 |
Auto-Owners: Best Customer Service
pros
Top-rated customer service in Wichita
Lower rates than city average
Quick claims processing
cons
Limited online tools
Fewer coverage customization options
COMPANY HIGHLIGHTS
Auto-Owners ranks first in Wichita thanks to exceptional customer service ratings and competitive rates. The company offers some of the most affordable coverage in the city, with monthly premiums starting at $32 for minimum coverage and $83 for full coverage. Auto-Owners particularly stands out for drivers with older cars, offering the lowest rates in this category. Their strong customer satisfaction ratings mean you can expect smooth claims handling and responsive support when needed.
Travelers: Best for Specialized Coverage
pros
Extensive coverage options
Strong discounts available
Serves many driver types
cons
Average digital experience
Higher minimum coverage rates
COMPANY HIGHLIGHTS
Travelers earns the second spot in Wichita by offering comprehensive coverage options and competitive rates for various driver groups. Their monthly premiums start at $37 for minimum coverage and $83 for full coverage, beating the city average. Travelers leads in affordability for several categories, including seniors, young drivers, and those with accidents or DUIs. Their broad coverage selection and strong customer service make them especially suitable for drivers wanting customizable policies.
How Much Is Car Insurance in Wichita?
In Wichita, minimum coverage costs about $51 per month or $610 per year, ranking 625th out of all Kansas cities for affordability. Full coverage averages $128 monthly or $1,539 annually, ranking 302nd among Kansas cities.
| Full Coverage | $128 | $1,539 |
| Minimum Coverage | $51 | $610 |
Compare Personalized Wichita Car Insurance Costs
Filter the rates below by age, driving record and other factors to find averages that match your specific profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $192 | $2,304 | 13% |
Wichita Car Insurance Costs by ZIP Code
In Wichita, car insurance rates by ZIP code range from $47 to $150 per month. ZIP code 67214 is the most expensive, while 67223 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:67214
| 67214 | $65 | $150 |
How to Get The Best Cheap Wichita Car Insurance
Finding affordable car insurance in Wichita can be challenging with the city's high average rates and complex coverage options. This step-by-step guide will show you proven ways to lower your premiums while maintaining the right coverage for your needs.
- 1
Calculate your coverage needs first
Start by figuring out how much car insurance you need. Use our car insurance coverage needs calculator to determine the right coverage level. Consider your car's value, your savings and what you can afford in monthly premiums.
- 2
Look into special coverage types
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might be cheaper. Don't own a car? A non-owner policy could be your best choice.
- 3
Check local insurance costs
Research average vehicle insurance costs in Wichita to set realistic expectations. Knowing the typical rates helps you spot good deals and avoid overpaying. Local factors like traffic patterns and crime rates affect your premiums, so Wichita-specific data matters.
- 4
Stack up available discounts
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, good student discounts and defensive driving courses can reduce your rates.
- 5
Research insurance company ratings
Look up customer reviews and financial strength ratings for insurance companies serving Wichita. Check their claim payment history and customer service reputation. A company's track record matters just as much as its prices.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local Wichita agents, online comparison tools and direct insurer websites. Each company calculates rates differently, so comparing multiple quotes helps you find the best deal.
- 7
Review your policy yearly
Mark your calendar to review your car insurance each year before renewal. Life changes like moving within Wichita, buying a new car or improving your credit score can qualify you for better rates.
Cheapest Car Insurance in Wichita: Bottom Line
Car insurance rates in Wichita depend on your driving record, vehicle and other personal factors. GEICO and Auto-Owners offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Wichita Car Insurance: FAQ
We've researched Wichita's car insurance market to answer your questions about finding affordable coverage that fits your needs. Here's what you need to know about getting the best rates.
What is the cheapest car insurance company in Wichita, Kansas?
GEICO offers the lowest rates in Wichita, with average annual premiums of $338 for minimum coverage and $919 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Wichita?
Auto-Owners leads Wichita's car insurance market with a MoneyGeek score of 95 out of 100, scoring two points higher than Travelers. The company excels in both affordability and service quality.
What is the average cost of car insurance in Wichita?
In Wichita, drivers pay $1,539 per year for full coverage and $610 for minimum coverage. Your actual rates may vary based on individual factors.
Is car insurance in Wichita expensive?
Car insurance in Wichita costs more than average, ranking 625th for minimum coverage affordability and 302nd for full coverage compared to other Kansas cities.
How We Chose the Best and Cheapest Car Insurance in Wichita, KS
To help Wichita drivers find the most affordable auto insurance companies, MoneyGeek analyzed Wichita auto insurance rates based on data and information from the Kansas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Wichita and hundreds of thousands of quotes for 12 companies offering auto insurance in Kansas to tailor options as closely as possible to you.
Wichita Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Wichita with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Wichita
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Kansas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Wichita based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.