Cheapest Car Insurance Companies in Wichita, KS (2024 Rates)


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Updated: May 20, 2024

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Your background and needs may affect your cheapest options for car insurance. In Wichita, Nationwide offers the lowest rates for minimum and coverage policies. It’s also the most affordable company for teenagers, young adults, seniors, drivers with speeding tickets and those with bad credit. American Family may be ideal for drivers with at-fault accidents on their records and those with sports cars. State Farm is preferable for DUI drivers.

If you’re looking for a balance of affordability and quality service that meets all your needs, you could research beyond the cheapest and look for the best car insurance companies in Wichita.

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2024

Cheapest Car Insurance in Wichita, KS

Why Trust MoneyGeek? Wichita car insurance rates and other information in this study are from the Kansas Insurance Department and Quadrant Information Services.

49,812Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Coverage Car Insurance in Wichita

Wichita drivers looking for minimum coverage car insurance may find the lowest rates from:

  • Nationwide: $267 per year
  • State Farm: $334 per year

Dairyland’s minimum coverage policy is the most expensive, costing approximately $1,173 per year. As of October 2022, Nationwide also offers the cheapest auto insurance in Kansas at $221 per year, lower than the company’s average rate for Wichita.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
NationwideAnnual Premium$267Monthly Premium$22
State FarmAnnual Premium$334Monthly Premium$28
Auto-Owners Insurance CoAnnual Premium$341Monthly Premium$28
GEICOAnnual Premium$382Monthly Premium$32
Iowa Farm BureauAnnual Premium$395Monthly Premium$33
ProgressiveAnnual Premium$427Monthly Premium$36
Farmers Union InsuranceAnnual Premium$458Monthly Premium$38
TravelersAnnual Premium$458Monthly Premium$38
American FamilyAnnual Premium$501Monthly Premium$42
FarmersAnnual Premium$504Monthly Premium$42
ShelterAnnual Premium$640Monthly Premium$53
AllstateAnnual Premium$682Monthly Premium$57
DairylandAnnual Premium$1,173Monthly Premium$98
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Kansas minimum car insurance requirements include bodily injury liability, property damage liability and uninsured motorists with these limits:

  • $25,000 per person in bodily injury liability
  • $50,000 per accident in bodily injury liability
  • $25,000 per accident in property damage liability
  • $25,000 per person in uninsured/underinsured motorist coverage
  • $50,000 per accident in uninsured/underinsured motorist coverage

The state also requires the following minimum PIP coverage:

  • $4,500 per person in medical costs
  • $900 per month for one year in disability/income loss
  • $25 per day for in-home services
  • $2,000 per person in funeral, burial or cremation expenses
  • $4,500 per person in rehabilitation expenses

Liability-only coverage only goes toward damages to the other driver in case of an accident. If you're at fault and have $25,000 per person in bodily injury liability and $50,000 per accident, your insurance provider will only cover $25,000 in medical costs for each individual in the other car, up to $50,000 for each accident.

Cheapest Full Coverage Car Insurance in Wichita

For full coverage policies, the least expensive car insurance companies in Wichita are:

  • Nationwide: $782 per year
  • American Family: $870 per year

Wichita's full coverage car insurance is most expensive from Dairyland at around $2,743 per year. As of October 2022, Nationwide is also the cheapest car insurance company for full coverage in Kansas, costing an average of $768 per year. This means Wichita is more expensive for the company than the statewide average, as the cost of living affects the cost of insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$782Monthly Premium$65
American FamilyAnnual Premium$870Monthly Premium$73
State FarmAnnual Premium$871Monthly Premium$73
Auto-Owners Insurance CoAnnual Premium$889Monthly Premium$74
GEICOAnnual Premium$903Monthly Premium$75
Iowa Farm BureauAnnual Premium$1,031Monthly Premium$86
TravelersAnnual Premium$1,048Monthly Premium$87
FarmersAnnual Premium$1,165Monthly Premium$97
AllstateAnnual Premium$1,175Monthly Premium$98
Farmers Union InsuranceAnnual Premium$1,178Monthly Premium$98
ProgressiveAnnual Premium$1,262Monthly Premium$105
ShelterAnnual Premium$1,281Monthly Premium$107
DairylandAnnual Premium$2,743Monthly Premium$229

Getting full coverage means adding comprehensive and collision insurance to your auto policy.

  • Collision insurance: This covers repair or replacement costs if your car gets damaged in an accident.
  • Comprehensive insurance: This pays for repairs or replacement if your car gets damaged during a non-accident incident like a weather-related event, break-in or vandalism.

Although a full coverage policy grants additional protection, paying hundreds more each year may not be a wise financial decision if your car is older or has a lower value.

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Cheapest Car Insurance in Wichita After a Driving Offense

In Wichita, drivers with the following violations on their records may get the most affordable car insurance from these companies:

  • Speeding ticket: Nationwide ($910 per year)
  • At-fault accident: American Family ($870 per year)
  • DUI: State Farm ($960 per year)

Dairyland offers the highest annual rates for drivers with a speeding ticket ($3,374) or an at-fault accident ($3,790), whereas Shelter is the most expensive for DUI drivers ($2,968 per year). Having a poor driving record can negatively impact your premiums, so even the cheapest rates will be expensive after an offense.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
NationwideAnnual Premium$910Monthly Premium$76
State FarmAnnual Premium$960Monthly Premium$80
American FamilyAnnual Premium$1,039Monthly Premium$87
GEICOAnnual Premium$1,053Monthly Premium$88
Iowa Farm BureauAnnual Premium$1,296Monthly Premium$108
AllstateAnnual Premium$1,299Monthly Premium$108
Auto-Owners Insurance CoAnnual Premium$1,342Monthly Premium$112
TravelersAnnual Premium$1,423Monthly Premium$119
FarmersAnnual Premium$1,474Monthly Premium$123
Farmers Union InsuranceAnnual Premium$1,600Monthly Premium$133
ProgressiveAnnual Premium$1,604Monthly Premium$134
ShelterAnnual Premium$1,612Monthly Premium$134
DairylandAnnual Premium$3,374Monthly Premium$281

Car insurance companies may charge higher rates for more severe driving violations. In Wichita, for example, drivers with a DUI pay roughly $459 more for coverage than those with a speeding ticket. Still, it’s possible to get cheap car insurance with a bad driving record.

Cheapest Car Insurance in Wichita for Teens and Their Families

The cheapest car insurance companies in Wichita for 16-year-old drivers on family policies are:

  • Nationwide: $1,184 per year for female teens; $1,277 per year for male teens
  • State Farm: $2,080 per year for female teens;
  • Allstate: $2,169 per year for male teens

Auto-Owners Insurance offers the highest family policy rates for female and male teens at $2,827 per year and $3,231 per year, respectively. Young men are seen as riskier to insure, so they tend to have higher rates than female teens. Depending on the company, the difference can be small ($93 from Nationwide) or significant ($404 from Auto-Owners).

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,184Individual Plan Monthly Premium$3,994
State FarmFamily Plan Annual Premium$2,080Individual Plan Monthly Premium$5,529
AllstateFamily Plan Annual Premium$2,084Individual Plan Monthly Premium$11,442
TravelersFamily Plan Annual Premium$2,109Individual Plan Monthly Premium$6,410
GEICOFamily Plan Annual Premium$2,286Individual Plan Monthly Premium$10,164
FarmersFamily Plan Annual Premium$2,532Individual Plan Monthly Premium$9,918
ProgressiveFamily Plan Annual Premium$2,568Individual Plan Monthly Premium$10,141
Auto-Owners Insurance CoFamily Plan Annual Premium$2,827Individual Plan Monthly Premium$9,607

Because car insurance rates for teens are expensive, adding them to a policy makes more sense than buying separate coverage. In Wichita, male teens buying an individual policy may spend roughly $2,544 more than if added to a family policy. You can save on premiums by shopping around to find the cheapest auto insurance for teens.

Cheapest Car Insurance in Wichita for Military Drivers

Wichita’s most affordable car insurance companies for military families are:

  • USAA: $614 per year
  • Nationwide: $782 per year

These rates are for a full coverage policy. If you choose minimum coverage, USAA remains the cheapest at $234 per year, while Nationwide is still the second most affordable at $267 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$614Monthly Premium$51
NationwideAnnual Premium$782Monthly Premium$65
American FamilyAnnual Premium$870Monthly Premium$73
State FarmAnnual Premium$871Monthly Premium$73
Auto-Owners Insurance CoAnnual Premium$889Monthly Premium$74
GEICOAnnual Premium$903Monthly Premium$75
Iowa Farm BureauAnnual Premium$1,031Monthly Premium$86
TravelersAnnual Premium$1,048Monthly Premium$87
FarmersAnnual Premium$1,165Monthly Premium$97
AllstateAnnual Premium$1,175Monthly Premium$98
Farmers Union InsuranceAnnual Premium$1,178Monthly Premium$98
ProgressiveAnnual Premium$1,262Monthly Premium$105
ShelterAnnual Premium$1,281Monthly Premium$107
DairylandAnnual Premium$2,743Monthly Premium$229

How to Compare Cheap Wichita Car Insurance Quotes Online

Getting a car insurance quote online from a single company can take 15 minutes or more and require a lot of personal information. However, with our car insurance calculator, you can save time by getting a rough estimate of rates from multiple insurers based on just your age, vehicle type, coverage level and driving record.

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Rates updated:

Oct 14, 2024

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Cheapest Car Insurance in Wichita for Young Adults

The least expensive car insurance providers for young adults in Wichita are:

  • Nationwide: $907 per year
  • American Family: $1,036 per year

At about $3,311 per year, Dairyland is the most expensive insurer for this age range. Auto insurance rates are often higher for younger drivers because they're considered higher risk. For example, in Wichita, the average cost of car insurance for 25-year-olds is $246 more expensive than a policy for 40-year-olds.

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$907Monthly Premium$76
American FamilyAnnual Premium$1,036Monthly Premium$86
GEICOAnnual Premium$1,046Monthly Premium$87
State FarmAnnual Premium$1,086Monthly Premium$91
Auto-Owners Insurance CoAnnual Premium$1,187Monthly Premium$99
TravelersAnnual Premium$1,217Monthly Premium$101
AllstateAnnual Premium$1,234Monthly Premium$103
Iowa Farm BureauAnnual Premium$1,235Monthly Premium$103
FarmersAnnual Premium$1,355Monthly Premium$113
Farmers Union InsuranceAnnual Premium$1,366Monthly Premium$114
ProgressiveAnnual Premium$1,554Monthly Premium$130
ShelterAnnual Premium$1,863Monthly Premium$155
DairylandAnnual Premium$3,311Monthly Premium$276

Cheapest Car Insurance in Wichita for Seniors

These companies offer the cheapest car insurance for seniors in Wichita:

  • Nationwide: $680 per year
  • State Farm: $784 per year

Dairyland is the most expensive at $2,450 per year. Age often affects car insurance premiums. But in some cases, seniors may have lower rates than their middle-aged counterparts. In Wichita, 65-year-old drivers pay $95 less for auto insurance than 40-year-old drivers.

Data filtered by:Results filtered by:
Age Group:
Age Group:60 +
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$680Monthly Premium$57
State FarmAnnual Premium$784Monthly Premium$65
American FamilyAnnual Premium$802Monthly Premium$67
Iowa Farm BureauAnnual Premium$838Monthly Premium$70
Auto-Owners Insurance CoAnnual Premium$861Monthly Premium$72
GEICOAnnual Premium$942Monthly Premium$79
TravelersAnnual Premium$977Monthly Premium$81
ShelterAnnual Premium$1,044Monthly Premium$87
Farmers Union InsuranceAnnual Premium$1,049Monthly Premium$87
FarmersAnnual Premium$1,148Monthly Premium$96
ProgressiveAnnual Premium$1,150Monthly Premium$96
AllstateAnnual Premium$1,240Monthly Premium$103
DairylandAnnual Premium$2,450Monthly Premium$204

Cheapest Car Insurance in Wichita for Poor Credit

Consider the following companies for the most affordable car insurance with bad credit:

  • Nationwide: $1,180 per year
  • GEICO: $1,432 per year

Dairyland has the highest rates at approximately $3,649 per year. Credit score is often used by auto insurers to determine rates. In Wichita, car insurance rates for drivers with bad credit are $891 or 76% higher than those for drivers with good credit.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
NationwideAnnual Premium$1,180Monthly Premium$98
GEICOAnnual Premium$1,432Monthly Premium$119
American FamilyAnnual Premium$1,503Monthly Premium$125
TravelersAnnual Premium$1,721Monthly Premium$143
AllstateAnnual Premium$1,759Monthly Premium$147
FarmersAnnual Premium$1,836Monthly Premium$153
Iowa Farm BureauAnnual Premium$1,967Monthly Premium$164
ProgressiveAnnual Premium$2,147Monthly Premium$179
State FarmAnnual Premium$2,230Monthly Premium$186
Farmers Union InsuranceAnnual Premium$2,287Monthly Premium$191
ShelterAnnual Premium$2,328Monthly Premium$194
Auto-Owners Insurance CoAnnual Premium$2,743Monthly Premium$229
DairylandAnnual Premium$3,649Monthly Premium$304

Auto insurance companies found policyholders with poor credit are more likely to file claims, so they charge them higher rates as a precaution. If you have a lower credit score, you can save on premiums by looking for discounts, bundling policies or comparing quotes. You may also lower insurance costs by improving your credit score.

Cheapest Car Insurance in Wichita for Sports Cars

In Wichita, the lowest car insurance rates for drivers with sports cars are offered by:

  • American Family: $824 per year
  • Nationwide: $883 per year

Dairyland is the most expensive insurance carrier with an average annual rate of $2,837. Sports cars are often more expensive to insure than other cars. In Wichita, car insurance rates for a Ford Mustang are $77 or 7% higher than those for a Toyota Camry.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$824Monthly Premium$69
NationwideAnnual Premium$883Monthly Premium$74
Auto-Owners Insurance CoAnnual Premium$945Monthly Premium$79
State FarmAnnual Premium$1,017Monthly Premium$85
TravelersAnnual Premium$1,024Monthly Premium$85
FarmersAnnual Premium$1,075Monthly Premium$90
GEICOAnnual Premium$1,153Monthly Premium$96
AllstateAnnual Premium$1,177Monthly Premium$98
ProgressiveAnnual Premium$1,521Monthly Premium$127
DairylandAnnual Premium$2,837Monthly Premium$236

Our study used a Ford Mustang to obtain car insurance quotes for a sports car, but pricing may vary depending on the model. Rates are generally higher for luxury, electric and sports cars than for other types.

Average Cost of Car Insurance in Wichita

The average cost of car insurance in Wichita is $1,119 per year. This rate is $59 higher than the average cost of car insurance in Kansas and $146 cheaper than the national average of $1,265 per year.

Additionally, Wichita is more expensive than cities like Topeka and Olathe, which have average annual rates of $1,024 and $1,016, respectively. Location is just one of many factors influencing auto insurance rates.

These rates are for a full coverage policy with $100,000 per person in bodily injury liability, $300,000 per accident in bodily injury liability and $100,000 per accident in property damage liability.

OlatheFull Coverage Average Annual Premium$1,062Minimum Coverage Average Annual Premium$488
TopekaFull Coverage Average Annual Premium$1,070Minimum Coverage Average Annual Premium$451
Overland ParkFull Coverage Average Annual Premium$1,092Minimum Coverage Average Annual Premium$508
WichitaFull Coverage Average Annual Premium$1,169Minimum Coverage Average Annual Premium$505
Kansas CityFull Coverage Average Annual Premium$1,254Minimum Coverage Average Annual Premium$539

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.