Car Insurance in Wichita

GEICO dominates with rates of $338 per year for minimum coverage and $919 per year for full coverage, both coming in 45% below the city average. Travelers and State Farm provide competitive alternatives at $582 and $509 annually for minimum coverage.

Auto Owners also operates in Wichita with rates that balance cost and service. The substantial gap between GEICO and other carriers makes it the obvious starting point.

GEICO's dramatic pricing advantage makes it essential for all Wichita drivers to obtain a quote.

Young drivers face higher costs at $882 annually with Travelers for minimum coverage, reflecting standard risk-based pricing. Adult drivers enjoy the best rates at $338 per year with GEICO, saving 62% compared to young drivers.

Senior drivers from GEICO pay $528 annually, about 56% more than adults. GEICO maintains its position as the most affordable option for both adult and senior demographics.

GEICO's consistent dominance for adults and seniors simplifies shopping for most Wichita drivers.

Travelers and Auto-Owners provide the lowest car insurance rates for young drivers in Wichita, with monthly premiums starting at $74 and $85, respectively.

GEICO offers the lowest rates for adult drivers (26 to 64) in Wichita, saving drivers an average of 48%. Travelers and State Farm also offer affordable rates for this age group.

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).

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)

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. Drivers with poor credit get two clear options based on their coverage needs.

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.

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.

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.

Auto Owners leads Wichita with a MoneyGeek score of 95 out of 100, the highest in the city. The company balances competitive pricing with outstanding customer experience scores and minimal complaint ratios, making it ideal for drivers seeking reliable coverage with strong service.

Travelers delivers exceptional value with a MoneyGeek score of 93 out of 100. Travelers excels in claims handling and personalized support, providing competitive rates alongside comprehensive coverage options.
Both companies maintain strong service reputations while delivering competitive pricing across driver profiles.

Car insurance in Wichita costs an average of $610 per year for minimum coverage and $1,539 per year for full coverage. These rates sit slightly above the Kansas state average of $575 for minimum coverage.

GEICO offers rates well below the city average at $338 for minimum coverage. Wichita drivers enjoy relatively moderate premiums with solid opportunities to find affordable coverage through major carriers.

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. The table shows average rates for your ZIP code.

Finding affordable car insurance in Wichita is challenging with the city's high average rates and complex coverage options. This guide shows you proven ways to lower your premiums while maintaining the right coverage for your needs.

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.

We researched Wichita's car insurance market to answer your questions about finding affordable coverage that fits your needs.

Wichita drivers need accurate rate comparisons to find affordable coverage in a city where premiums run higher than average. We analyzed rates from 12 insurance companies across all Wichita ZIP codes to show you who offers the best deals for your profile.

Data Sources and Scope

We pulled data from the Kansas Department of Insurance and Quadrant Information Services, analyzing hundreds of thousands of quotes. This comprehensive approach ensures you see real pricing patterns, not just advertised rates.

Sample Driver Profile

Our baseline comparison uses a typical Wichita driver:

• 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

We adjusted age, driving record, credit score and military status to find the best insurers for specific driver profiles.

Coverage Levels Analyzed

We compared both minimum and full coverage policies.

Kansas minimum coverage requirements:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Full coverage policy 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 with $1,000 deductibles

Rating Methodology for Best Companies

Our MoneyGeek score weighs three factors:

Affordability (60%): We evaluated quotes for common driver profiles and compared them to competition within Wichita.

Customer Experience (30%): We reviewed agency ratings on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment.

Coverage Options (10%): We assessed the range of coverage options each provider offers, including unique benefits and add-ons.