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 the Cheapest Car Insurance Quotes in Wichita, KS
The Cheapest and Best Car Insurance in Wichita
The Cheapest Car Insurance Companies in Wichita
For a full coverage policy, the most affordable average rates in Wichita are offered by:
- USAA: $623 annually (only available to current and former military)
- American Family: $758 annually
USAA has Wichita's cheapest auto insurance rates. However, USAA is only available for military members and their families. For the general public, the best company for affordable auto insurance is American Family whose coverage is on average 56% cheaper than MetLife, the costliest car insurance firm in the city.
To conduct this research, MoneyGeek collected average insurance rates in Wichita for a sample 40-year-old male driver with a full coverage policy, which includes both liability insurance and comprehensive and collision coverage.
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Average Cost of Car Insurance in Wichita
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.
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.
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.
Shopping around for car insurance in Wichita could save you $174, which is enough to buy:
Cheapest Car Insurance in Wichita by Coverage Amount
In Wichita and elsewhere, how much you pay for car insurance depends on the coverage level you choose. For instance, a state minimum liability policy in Wichita costs an average of $456 per year, while a full coverage policy with higher liability limits costs $931 on average. That is a difference of $475.
Kansas Minimum Liability Requirements
- 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 a up to a year of disability or loss of income coverage. $25 a day for in-home services. $4,500 for rehabilition-related expenses. $2,000 for funeral, burial or creamation 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
Insurance companies offer 50/100/50 full-coverage and liability-only packages in Wichita. The 50/100/50 limit means 50,000 of medical bills, costing up to $100,000 each vehicle, as well as $50,000 of property damage repair. Insurance companies allow you to pay different amounts for the coverage level you want. For example, you can opt to pay $393 more for Nationwide’s full-coverage plan as it will also cover your expenses if you get into an accident, compared to their base $397 liability-only coverage.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Wichita if You Have Driving Violations
Driving violations should be avoided as they raise your auto insurance premiums. In Wichita, Farmers customers with a DUI need to pay $337 more for their coverage compared to drivers with clear records. Similarly, those with a speeding ticket will have to pay $239 extra.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
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.
Methodology and Assumptions
MoneyGeek’s average premium rates for Wichita are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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