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.
Cheapest Car Insurance in Wichita, KS
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.
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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.
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.
Compare minimum and full coverage policies.
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Cheaper insurers could pocket you hundreds of dollars per year.
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.
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).
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
- 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.
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.
Auto Insurance Calculator
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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.
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.
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.
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.
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.
About Mark Fitzpatrick