bestauto insuranceWichita2022Compare the Cheapest Car Insurance Quotes in Wichita, KS
The average cost of car insurance in Wichita is $931 annually, the same as the state average. The most affordable, widely available insurer is American Family, with an average rate of $758 annually. MoneyGeek analyzed the cheapest options by coverage amount and driving history. For those looking to balance cost and quality, MoneyGeek also recommended the best insurers in Wichita.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 9/23/2022
Written By |
Mark Fitzpatrick
The best car insurance for you depends on coverage needs and your record. Overall, the cheapest and best car insurance company in Wichita for affordability and customer service is American Family. It also offers the cheapest policy with a speeding ticket. Nationwide has the least expensive option for state minimum coverage. With a military background, USAA offers the lowest prices.
bestauto insuranceWichita2022The Cheapest and Best Car Insurance in Wichita
Cheapest Overall - American Family
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - American Family
Best Overall - Auto-Owners Insurance Co
The Cheapest Car Insurance Companies in Wichita
MoneyGeek’s research shows the cheapest companies for a full coverage policy in Wichita are:
- American Family: $758 per year
- Nationwide: $764 per year
Drivers who have a military background can benefit the most from USAA; it offers the cheapest policies in Wichita at an average annual cost of $623.
The most expensive company in Wichita is MetLife, with a $424 more expensive policy than American Family. MetLife charges an average of $1,182 per year for a full coverage auto policy. A full coverage policy has comprehensive and collision insurance. Its price depends on the extent of liability coverage.
Cheapest Car Insurance in Wichita
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$623
- 2.$758
- 3.$764
- 4.$848
- 5.$902
MoneyGeek collected average rates for a 40-year-old male driver in Wichita with a full coverage policy, as our methodology explains.
A full coverage policy provides coverage against vehicle damage or loss. It includes comprehensive and collision insurance and costs more than a minimum coverage policy.
- Comprehensive coverage: Covers the cost of vehicle damage and pays for repairs and replacement in case of theft or another incident.
- Collision coverage: Pays for the repairs of the vehicle in case of an at-fault accident.
With an older car, you may opt for a minimum coverage policy or liability-only insurance since a full coverage policy may cost more than the car’s value.
Compare Car Insurance Rates in Wichita
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Wichita for Minimum Coverage
The cheapest car insurance option in Wichita is a minimum coverage policy. MoneyGeek’s research shows that the following companies offer cheap minimum coverage policies:
- American Family: $376 per year
- Nationwide: $397 per year
For military drivers, USAA is the cheapest car insurance company for a minimum coverage policy at $270 per year on average.
Nationwide offers a cheap minimum coverage auto policy in Wichita, while Allstate offers the most expensive at an average annual cost of $591 per year. Going with Nationwide could save a driver $194 over choosing Allstate.
While minimum coverage is the most affordable, it does not include liability and comprehensive coverage, so you’re not as protected.
Have a look at the table to see how much a higher liability coverage policy costs.
Cheapest Minimum Liability Car Insurance in Wichita
State Minimum
- CompanyState Minimumper year
- 1.$270
- 2.$376
- 3.$397
- 4.$402
- 5.$440
In Kansas, a minimum coverage policy must include bodily injury liability coverage, property damage liability coverage, uninsured motorist bodily injury coverage and basic personal injury protection coverage.
With a minimum coverage policy in Wichita, you reduce monthly expenses but have to pay more out of pocket after an at-fault accident. For example, in an at-fault accident, the other party’s medical bills are $30,000, and you have $10,000 in bodily injury; you must pay the $20,000 difference.
Kansas Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
- Personal Injury Protection$4,500 per person for medical expenses. $900 a month for up to a year of disability or loss of income coverage. $25 a day for in-home services. $4,500 for rehabilitation-related expenses. $2,000 for funeral, burial or cremation expenses
- OtherSurvivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services
Cheapest Car Insurance in Wichita if You Have Driving Violations
Having a DUI, speeding ticket or an at-fault accident increases your car insurance expenses. MoneyGeek found the following cheapest companies in Wichita for driving violations:
- Cheapest after an at-fault accident: State Farm, $995 per year
- Cheapest after a speeding ticket: American Family, $758 per year
- Cheapest after a DUI: American Family, $758 per year
USAA is the cheapest company for drivers who have a military background and driving violations. It offers the least expensive insurance for drivers with a speeding ticket or an at-fault accident on their record.
If you have a poor driving record, you can improve it over time and find cheaper insurance options in Wichita. Until it improves, shop different insurance companies to get better rates.
Cheapest Car Insurance in Wichita With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$754
- 2.$758
- 3.$921
- 4.$927
- 5.$1,093
Average Cost of Car Insurance in Wichita
Wichita$931
Kansas$931
U.S.$1,424
Wichita’s average yearly car insurance rate is very reasonable compared to the national average. Wichita's average annual premium is $931 — the same as the state average. Wichita's average premium is 34.6% less than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Wichita
To determine car insurance quotes in Wichita, providers consider several factors including your age, gender, ZIP code, driving history and more. For example, American Family in Wichita has policies for 18-year-old drivers that are over one-and-a-half times more expensive than those for 40-year-olds. Drivers looking for the most affordable insurance should obtain an individualized quote that takes unique factors into account and then compares that quote to ones offered by other insurance companies.
Compare Car Insurance Rates in Wichita
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Wichita
MoneyGeek ranked the best car insurance companies in Wichita to aid drivers looking to balance service and affordability. According to MoneyGeek’s research, the best car insurance companies in Wichita for most drivers are:
- American Family: MoneyGeek score 98 out of 100
- GEICO: MoneyGeek score 93 out of 100
USAA received the highest score in Wichita by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To determine the final scores out of 100, MoneyGeek took into account many factors, including J.D. Power scores for customer satisfaction, financial stability and affordability.
1
USAA
Score:100
2
Auto-Owners Insurance Co
Score:98
3
GEICO
Score:93
4
Allstate
Score:85
5
Travelers
Score:85
6
Progressive
Score:85
7
Auto Club of Southern California Insurance Group
Score:83
8
State Farm
Score:80
9
American Family
Score:78
10
Safeco
Score:78
11
Liberty Mutual
Score:78
12
Farm Bureau Ins of MI
Score:75
13
Farmers
Score:75
14
Nationwide
Score:75
Average Cost of Car Insurance by Postal Code
Your residential ZIP code is also considered by auto insurance providers while computing your annual premium. Regions where there are greater numbers of car thefts, accidents, and high density traffic are more expensive. In Wichita, the 67212 neighborhood is the most affordable regarding car insurance, as you’ll pay $62 less in yearly car insurance premiums compared to the most expensive area, 67203.
- Zip CodeState Minimumper year
- 67212$902
- 67207$917
- 67217$942
- 67203$964
Factors That Impact Insurance Costs in Wichita
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Wichita. How Wichita ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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