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 pay $882 annually with Travelers for minimum coverage. Adult drivers enjoy the best rates at $338 per year with GEICO, saving 62% compared to young drivers.

Senior drivers with GEICO pay $528 annually, about 56% more than adults. GEICO is the most affordable option for both adults and seniors.

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).

These insurance companies offer the most affordable rates based on your situation:

• Cheapest for Bad Credit: GEICO (from $96 per month)
• Most Affordable With a DUI: State Farm (from $46 per month)
• Cheapest Choice With an Accident: Auto-Owners (from $49 per month)
• Most Affordable With a Speeding Ticket: GEICO (from $34 per month)

GEICO offers the cheapest car insurance for bad credit, with monthly rates starting at $96 for minimum coverage and $231 for full coverage.

State Farm and Travelers offer the most affordable car insurance rates in Wichita for drivers with a DUI.

Auto-Owners offers the cheapest car insurance for drivers with an accident record, with rates starting at $49 monthly.

For Wichita drivers with speeding tickets, GEICO is the most affordable. Its minimum liability coverage costs $34 per month, while full coverage with higher limits runs $94 monthly.

Auto Owners is top in Wichita for car insurance, with a MoneyGeek score of 95 out of 100. It offers competitive pricing with outstanding customer experience scores and minimal complaints.

Travelers has a MoneyGeek score of 93 out of 100. It excels in claims handling and personalized support.

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.

Our 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 face higher insurance costs than many Kansas cities due to elevated accident frequency on I-35 and I-135, above-average hail damage claims from severe weather, and property crime rates that push premiums higher than rural areas. We built this research to show you which insurers offer the lowest rates for your specific driving profile, so you can maintain required coverage without overpaying in Kansas's largest city.

We pulled data from the Kansas Department of Insurance and Quadrant Information Services, analyzing hundreds of thousands of quotes from 12 insurance companies across all Wichita ZIP codes. This comprehensive approach ensures you see real pricing patterns, not just advertised rates that may not reflect what you'll actually pay.

Our baseline comparison uses a typical Wichita driver: a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit, and no claims history. This driver logs 12,000 miles annually and maintains continuous coverage with a valid license. We adjusted age, driving record, credit score, and military status to find the best insurers for specific driver profiles.

Kansas requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. These minimums satisfy legal requirements but leave you financially exposed after serious accidents, especially in a city where medical costs and vehicle values run moderate to high.

For full coverage comparison, we used $100,000/$300,000/$100,000 liability limits plus comprehensive and collision with $1,000 deductibles. This level provides stronger financial protection when you cause an accident or your car gets damaged, stolen, or totaled—particularly important given Wichita's frequent hailstorms that damage vehicles and elevated property crime rates.

Our MoneyGeek score weighs three factors: 

Affordability (60%), evaluating quotes for common driver profiles compared to Wichita competition, 

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

Coverage Options (10%): assessing the range of coverage options each provider offers, including unique benefits and add-ons. This methodology identifies insurers offering genuine value for Wichita drivers navigating Kansas's challenging weather conditions and urban traffic patterns.