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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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2023

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.

Company
Annual Premium
Monthly Premium

Nationwide

$257

$21

Nationwide

$267

$22

State Farm

$315

$26

Nationwide

$328

$27

Iowa Farm Bureau

$329

$27

State Farm

$334

$28

Auto-Owners Insurance Co

$341

$28

Auto-Owners Insurance Co

$367

$31

GEICO

$382

$32

Iowa Farm Bureau

$395

$33

State Farm

$404

$34

Progressive

$406

$34

GEICO

$416

$35

Progressive

$427

$36

Farmers Union Insurance

$439

$37

Auto-Owners Insurance Co

$447

$37

GEICO

$447

$37

Farmers Union Insurance

$458

$38

Travelers

$458

$38

Iowa Farm Bureau

$468

$39

Travelers

$480

$40

American Family

$491

$41

American Family

$501

$42

Farmers

$504

$42

Progressive

$507

$42

Travelers

$507

$42

Shelter

$520

$43

Farmers Union Insurance

$536

$45

Farmers

$558

$47

Farmers

$595

$50

American Family

$606

$51

Shelter

$640

$53

Allstate

$674

$56

Nationwide

$680

$57

Allstate

$682

$57

Allstate

$751

$63

Nationwide

$782

$65

State Farm

$784

$65

American Family

$802

$67

Iowa Farm Bureau

$838

$70

Auto-Owners Insurance Co

$861

$72

American Family

$870

$73

State Farm

$871

$73

Auto-Owners Insurance Co

$889

$74

GEICO

$903

$75

Nationwide

$907

$76

GEICO

$942

$79

Shelter

$958

$80

Travelers

$977

$81

Iowa Farm Bureau

$1,031

$86

American Family

$1,036

$86

Shelter

$1,044

$87

GEICO

$1,046

$87

Travelers

$1,048

$87

Farmers Union Insurance

$1,049

$87

State Farm

$1,086

$91

Dairyland

$1,130

$94

Farmers

$1,148

$96

Progressive

$1,150

$96

Farmers

$1,165

$97

Dairyland

$1,173

$98

Allstate

$1,175

$98

Farmers Union Insurance

$1,178

$98

Auto-Owners Insurance Co

$1,187

$99

Travelers

$1,217

$101

Allstate

$1,234

$103

Iowa Farm Bureau

$1,235

$103

Allstate

$1,240

$103

Progressive

$1,262

$105

Shelter

$1,281

$107

Farmers

$1,355

$113

Farmers Union Insurance

$1,366

$114

Dairyland

$1,377

$115

Progressive

$1,554

$130

Shelter

$1,863

$155

Dairyland

$2,450

$204

Dairyland

$2,743

$229

Dairyland

$3,311

$276

Insurance Rates

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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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.

Company
Annual Premium
Monthly Premium

Nationwide

$257

$21

Nationwide

$267

$22

State Farm

$315

$26

Nationwide

$328

$27

Iowa Farm Bureau

$329

$27

State Farm

$334

$28

Auto-Owners Insurance Co

$341

$28

Auto-Owners Insurance Co

$367

$31

GEICO

$382

$32

Iowa Farm Bureau

$395

$33

State Farm

$404

$34

Progressive

$406

$34

GEICO

$416

$35

Progressive

$427

$36

Farmers Union Insurance

$439

$37

Auto-Owners Insurance Co

$447

$37

GEICO

$447

$37

Farmers Union Insurance

$458

$38

Travelers

$458

$38

Iowa Farm Bureau

$468

$39

Travelers

$480

$40

American Family

$491

$41

American Family

$501

$42

Farmers

$504

$42

Progressive

$507

$42

Travelers

$507

$42

Shelter

$520

$43

Farmers Union Insurance

$536

$45

Farmers

$558

$47

Farmers

$595

$50

American Family

$606

$51

Shelter

$640

$53

Allstate

$674

$56

Nationwide

$680

$57

Allstate

$682

$57

Allstate

$751

$63

Nationwide

$782

$65

State Farm

$784

$65

American Family

$802

$67

Iowa Farm Bureau

$838

$70

Auto-Owners Insurance Co

$861

$72

American Family

$870

$73

State Farm

$871

$73

Auto-Owners Insurance Co

$889

$74

GEICO

$903

$75

Nationwide

$907

$76

GEICO

$942

$79

Shelter

$958

$80

Travelers

$977

$81

Iowa Farm Bureau

$1,031

$86

American Family

$1,036

$86

Shelter

$1,044

$87

GEICO

$1,046

$87

Travelers

$1,048

$87

Farmers Union Insurance

$1,049

$87

State Farm

$1,086

$91

Dairyland

$1,130

$94

Farmers

$1,148

$96

Progressive

$1,150

$96

Farmers

$1,165

$97

Dairyland

$1,173

$98

Allstate

$1,175

$98

Farmers Union Insurance

$1,178

$98

Auto-Owners Insurance Co

$1,187

$99

Travelers

$1,217

$101

Allstate

$1,234

$103

Iowa Farm Bureau

$1,235

$103

Allstate

$1,240

$103

Progressive

$1,262

$105

Shelter

$1,281

$107

Farmers

$1,355

$113

Farmers Union Insurance

$1,366

$114

Dairyland

$1,377

$115

Progressive

$1,554

$130

Shelter

$1,863

$155

Dairyland

$2,450

$204

Dairyland

$2,743

$229

Dairyland

$3,311

$276

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.

Company
Annual Premium
Monthly Premium

Nationwide

$302

$25

Nationwide

$313

$26

State Farm

$358

$30

State Farm

$358

$30

Nationwide

$374

$31

State Farm

$379

$32

State Farm

$379

$32

State Farm

$392

$33

Nationwide

$396

$33

Auto-Owners Insurance Co

$406

$34

Nationwide

$411

$34

State Farm

$416

$35

Iowa Farm Bureau

$424

$35

Auto-Owners Insurance Co

$438

$36

GEICO

$445

$37

State Farm

$461

$38

State Farm

$461

$38

Progressive

$470

$39

GEICO

$484

$40

Nationwide

$489

$41

Nationwide

$490

$41

American Family

$491

$41

Progressive

$500

$42

American Family

$501

$42

Nationwide

$505

$42

State Farm

$506

$42

Iowa Farm Bureau

$509

$42

Iowa Farm Bureau

$512

$43

GEICO

$522

$43

Auto-Owners Insurance Co

$531

$44

Progressive

$547

$46

Progressive

$549

$46

Auto-Owners Insurance Co

$557

$46

Nationwide

$583

$49

American Family

$583

$49

American Family

$583

$49

American Family

$592

$49

American Family

$592

$49

Progressive

$593

$49

Travelers

$594

$50

Auto-Owners Insurance Co

$599

$50

Iowa Farm Bureau

$605

$50

American Family

$606

$51

Farmers Union Insurance

$607

$51

Iowa Farm Bureau

$614

$51

Travelers

$617

$51

Farmers

$619

$52

Travelers

$627

$52

Progressive

$628

$52

Farmers Union Insurance

$629

$52

Travelers

$651

$54

Travelers

$661

$55

GEICO

$664

$55

Travelers

$692

$58

Farmers Union Insurance

$698

$58

Travelers

$701

$58

Farmers Union Insurance

$701

$58

Progressive

$708

$59

Farmers

$709

$59

Farmers

$711

$59

Travelers

$717

$60

American Family

$721

$60

American Family

$721

$60

Farmers Union Insurance

$721

$60

Iowa Farm Bureau

$729

$61

Auto-Owners Insurance Co

$733

$61

Farmers

$738

$62

Allstate

$740

$62

GEICO

$743

$62

Allstate

$747

$62

GEICO

$757

$63

Shelter

$768

$64

Travelers

$770

$64

Farmers Union Insurance

$791

$66

Progressive

$793

$66

Progressive

$795

$66

Farmers

$797

$66

American Family

$802

$67

Farmers

$803

$67

Iowa Farm Bureau

$805

$67

Nationwide

$808

$67

Farmers Union Insurance

$824

$69

Allstate

$828

$69

Farmers

$845

$70

Allstate

$859

$72

Allstate

$866

$72

State Farm

$868

$72

State Farm

$868

$72

American Family

$870

$73

Allstate

$882

$74

Allstate

$891

$74

Farmers

$900

$75

Nationwide

$910

$76

Farmers Union Insurance

$922

$77

Farmers

$935

$78

State Farm

$936

$78

Shelter

$946

$79

Farmers Union Insurance

$951

$79

State Farm

$960

$80

State Farm

$960

$80

American Family

$962

$80

American Family

$962

$80

Iowa Farm Bureau

$968

$81

Allstate

$971

$81

Allstate

$999

$83

Auto-Owners Insurance Co

$1,027

$86

State Farm

$1,033

$86

Nationwide

$1,034

$86

American Family

$1,036

$86

American Family

$1,039

$87

American Family

$1,039

$87

GEICO

$1,053

$88

Iowa Farm Bureau

$1,055

$88

Nationwide

$1,058

$88

Auto-Owners Insurance Co

$1,062

$89

Auto-Owners Insurance Co

$1,068

$89

GEICO

$1,099

$92

Shelter

$1,104

$92

Dairyland

$1,130

$94

Auto-Owners Insurance Co

$1,142

$95

Iowa Farm Bureau

$1,151

$96

Dairyland

$1,173

$98

Nationwide

$1,190

$99

State Farm

$1,202

$100

State Farm

$1,202

$100

Shelter

$1,210

$101

GEICO

$1,220

$102

Iowa Farm Bureau

$1,244

$104

American Family

$1,246

$104

American Family

$1,246

$104

Shelter

$1,248

$104

GEICO

$1,251

$104

State Farm

$1,296

$108

Iowa Farm Bureau

$1,296

$108

Allstate

$1,299

$108

Shelter

$1,313

$109

Auto-Owners Insurance Co

$1,314

$110

Nationwide

$1,319

$110

Auto-Owners Insurance Co

$1,342

$112

Nationwide

$1,351

$113

Shelter

$1,361

$113

Allstate

$1,365

$114

Dairyland

$1,377

$115

Progressive

$1,379

$115

Progressive

$1,379

$115

Allstate

$1,381

$115

Auto-Owners Insurance Co

$1,414

$118

Auto-Owners Insurance Co

$1,417

$118

Travelers

$1,418

$118

Travelers

$1,423

$119

GEICO

$1,432

$119

Nationwide

$1,452

$121

GEICO

$1,463

$122

Farmers

$1,474

$123

Travelers

$1,477

$123

Travelers

$1,479

$123

Farmers Union Insurance

$1,484

$124

Shelter

$1,494

$125

Dairyland

$1,495

$125

Allstate

$1,526

$127

Iowa Farm Bureau

$1,528

$127

Farmers

$1,532

$128

Iowa Farm Bureau

$1,556

$130

GEICO

$1,560

$130

Travelers

$1,562

$130

Allstate

$1,565

$130

Farmers

$1,591

$133

Farmers Union Insurance

$1,600

$133

Dairyland

$1,602

$134

Progressive

$1,604

$134

Allstate

$1,606

$134

Shelter

$1,612

$134

Nationwide

$1,613

$134

Travelers

$1,621

$135

Travelers

$1,623

$135

Progressive

$1,625

$135

Travelers

$1,626

$136

Dairyland

$1,630

$136

Allstate

$1,638

$137

Farmers Union Insurance

$1,642

$137

Allstate

$1,645

$137

Farmers

$1,665

$139

Progressive

$1,672

$139

GEICO

$1,674

$139

Allstate

$1,676

$140

Farmers

$1,676

$140

Dairyland

$1,695

$141

Farmers Union Insurance

$1,758

$147

GEICO

$1,759

$147

Farmers

$1,766

$147

Travelers

$1,779

$148

Farmers

$1,786

$149

Shelter

$1,795

$150

Dairyland

$1,799

$150

Auto-Owners Insurance Co

$1,814

$151

Farmers Union Insurance

$1,831

$153

Iowa Farm Bureau

$1,835

$153

Farmers

$1,855

$155

Progressive

$1,907

$159

Dairyland

$1,920

$160

Shelter

$1,970

$164

Farmers

$1,977

$165

Progressive

$1,982

$165

Farmers Union Insurance

$1,990

$166

Farmers Union Insurance

$2,002

$167

Iowa Farm Bureau

$2,003

$167

Farmers Union Insurance

$2,071

$173

Progressive

$2,092

$174

Shelter

$2,116

$176

Shelter

$2,205

$184

Farmers Union Insurance

$2,245

$187

Auto-Owners Insurance Co

$2,282

$190

Auto-Owners Insurance Co

$2,287

$191

Progressive

$2,309

$192

Shelter

$2,414

$201

Dairyland

$2,450

$204

Iowa Farm Bureau

$2,463

$205

Shelter

$2,713

$226

Dairyland

$2,743

$229

GEICO

$2,917

$243

Iowa Farm Bureau

$2,958

$246

Shelter

$2,968

$247

Auto-Owners Insurance Co

$3,163

$264

GEICO

$3,203

$267

Dairyland

$3,311

$276

Dairyland

$3,374

$281

Dairyland

$3,377

$281

GEICO

$3,382

$282

Shelter

$3,568

$297

Dairyland

$3,773

$314

Dairyland

$3,790

$316

Shelter

$3,902

$325

Dairyland

$3,960

$330

Dairyland

$4,189

$349

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).

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$762

$2,255

Nationwide

$803

$1,514

Nationwide

$811

$1,581

GEICO

$846

$2,504

Nationwide

$847

$1,996

Nationwide

$859

$2,146

GEICO

$902

$2,671

Nationwide

$911

$1,717

Nationwide

$917

$1,907

Nationwide

$935

$1,821

Nationwide

$941

$2,039

Nationwide

$942

$1,776

GEICO

$956

$3,890

Nationwide

$970

$1,890

GEICO

$1,007

$2,364

Travelers

$1,036

$1,876

Nationwide

$1,083

$3,447

Nationwide

$1,092

$3,023

Travelers

$1,110

$1,957

State Farm

$1,117

$2,007

Nationwide

$1,148

$2,707

Nationwide

$1,153

$3,517

Travelers

$1,154

$2,090

Travelers

$1,161

$2,292

Nationwide

$1,164

$4,014

Nationwide

$1,184

$3,994

Travelers

$1,189

$2,153

Nationwide

$1,194

$2,983

Nationwide

$1,216

$3,870

State Farm

$1,241

$2,228

Travelers

$1,255

$2,212

Nationwide

$1,277

$4,676

Farmers

$1,280

$2,354

GEICO

$1,280

$3,005

State Farm

$1,288

$2,255

Travelers

$1,291

$2,573

Travelers

$1,292

$2,476

Auto-Owners Insurance Co

$1,298

$3,841

State Farm

$1,299

$2,677

Allstate

$1,299

$1,818

Allstate

$1,309

$1,841

Nationwide

$1,310

$4,517

Auto-Owners Insurance Co

$1,335

$3,917

Travelers

$1,339

$2,360

State Farm

$1,346

$2,418

Farmers

$1,356

$2,586

GEICO

$1,366

$3,207

State Farm

$1,383

$2,892

Allstate

$1,385

$5,231

Auto-Owners Insurance Co

$1,392

$4,082

GEICO

$1,396

$4,534

Allstate

$1,417

$2,551

Auto-Owners Insurance Co

$1,429

$4,225

Auto-Owners Insurance Co

$1,429

$4,503

Allstate

$1,438

$2,021

Auto-Owners Insurance Co

$1,453

$4,261

State Farm

$1,457

$2,551

Travelers

$1,481

$2,859

GEICO

$1,487

$3,991

Allstate

$1,499

$2,913

Auto-Owners Insurance Co

$1,501

$5,090

Travelers

$1,507

$3,296

Travelers

$1,510

$2,894

Allstate

$1,510

$2,414

Allstate

$1,541

$2,157

State Farm

$1,541

$3,177

Auto-Owners Insurance Co

$1,558

$4,607

Allstate

$1,576

$2,215

State Farm

$1,585

$3,736

State Farm

$1,585

$3,314

State Farm

$1,604

$2,808

Allstate

$1,605

$2,612

Auto-Owners Insurance Co

$1,605

$4,803

Allstate

$1,617

$6,389

Allstate

$1,645

$2,961

Auto-Owners Insurance Co

$1,649

$5,639

Travelers

$1,663

$4,032

Allstate

$1,681

$3,569

State Farm

$1,712

$3,519

Allstate

$1,713

$2,398

Travelers

$1,726

$3,333

Travelers

$1,737

$3,868

GEICO

$1,740

$4,909

Progressive

$1,756

$2,428

Auto-Owners Insurance Co

$1,757

$5,257

Auto-Owners Insurance Co

$1,770

$5,831

GEICO

$1,797

$5,650

GEICO

$1,800

$4,831

Allstate

$1,809

$4,042

State Farm

$1,817

$4,270

Progressive

$1,830

$2,476

Allstate

$1,836

$6,935

Allstate

$1,848

$3,591

Progressive

$1,858

$3,153

Auto-Owners Insurance Co

$1,873

$7,158

Auto-Owners Insurance Co

$1,876

$6,413

Farmers

$1,889

$2,073

GEICO

$1,908

$6,952

Progressive

$1,911

$2,643

Farmers

$1,921

$2,107

GEICO

$1,921

$5,420

Farmers

$1,926

$2,113

Farmers

$1,945

$2,242

Progressive

$1,952

$2,939

Allstate

$1,969

$7,781

Farmers

$1,969

$2,217

Travelers

$1,981

$4,818

Farmers

$1,996

$2,247

State Farm

$2,008

$4,727

State Farm

$2,014

$4,141

Progressive

$2,017

$2,790

Travelers

$2,020

$4,897

Progressive

$2,028

$2,745

Farmers

$2,028

$2,283

Farmers

$2,028

$4,678

Farmers

$2,047

$2,470

State Farm

$2,071

$4,866

State Farm

$2,080

$5,529

Allstate

$2,084

$11,442

Farmers

$2,087

$7,027

Farmers

$2,104

$4,977

Travelers

$2,109

$6,410

GEICO

$2,110

$7,529

Progressive

$2,129

$3,287

Progressive

$2,159

$3,716

GEICO

$2,160

$7,869

Allstate

$2,169

$11,553

Farmers

$2,190

$7,529

Progressive

$2,229

$3,016

GEICO

$2,242

$9,484

Farmers

$2,263

$4,163

GEICO

$2,286

$10,164

State Farm

$2,320

$5,409

Farmers

$2,345

$4,469

Progressive

$2,382

$4,768

Progressive

$2,435

$9,971

Travelers

$2,456

$5,974

Progressive

$2,481

$4,212

Auto-Owners Insurance Co

$2,526

$7,663

Farmers

$2,532

$9,918

Farmers

$2,564

$8,633

Progressive

$2,568

$10,141

Travelers

$2,578

$8,022

State Farm

$2,649

$6,177

State Farm

$2,661

$7,030

Farmers

$2,668

$10,697

Farmers

$2,701

$9,285

Progressive

$2,722

$11,232

Progressive

$2,724

$5,508

GEICO

$2,731

$11,553

Auto-Owners Insurance Co

$2,787

$8,454

Progressive

$2,792

$11,429

Progressive

$2,813

$4,842

Auto-Owners Insurance Co

$2,827

$9,607

Progressive

$2,827

$11,177

GEICO

$2,834

$14,924

Auto-Owners Insurance Co

$2,907

$9,898

Progressive

$3,051

$12,590

Auto-Owners Insurance Co

$3,231

$12,067

Auto-Owners Insurance Co

$3,243

$11,042

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.

Company
Annual Premium
Monthly Premium

USAA

$234

$20

USAA

$239

$20

Nationwide

$257

$21

Nationwide

$267

$22

USAA

$272

$23

State Farm

$315

$26

Nationwide

$328

$27

Iowa Farm Bureau

$329

$27

State Farm

$334

$28

Auto-Owners Insurance Co

$341

$28

Auto-Owners Insurance Co

$367

$31

GEICO

$382

$32

Iowa Farm Bureau

$395

$33

State Farm

$404

$34

Progressive

$406

$34

GEICO

$416

$35

Progressive

$427

$36

Farmers Union Insurance

$439

$37

Auto-Owners Insurance Co

$447

$37

GEICO

$447

$37

Farmers Union Insurance

$458

$38

Travelers

$458

$38

Iowa Farm Bureau

$468

$39

Travelers

$480

$40

American Family

$491

$41

American Family

$501

$42

Farmers

$504

$42

Progressive

$507

$42

Travelers

$507

$42

Shelter

$520

$43

Farmers Union Insurance

$536

$45

Farmers

$558

$47

USAA

$587

$49

Farmers

$595

$50

American Family

$606

$51

USAA

$614

$51

Shelter

$640

$53

Allstate

$674

$56

Nationwide

$680

$57

Allstate

$682

$57

USAA

$720

$60

Allstate

$751

$63

Nationwide

$782

$65

State Farm

$784

$65

American Family

$802

$67

Iowa Farm Bureau

$838

$70

Auto-Owners Insurance Co

$861

$72

American Family

$870

$73

State Farm

$871

$73

Auto-Owners Insurance Co

$889

$74

GEICO

$903

$75

Nationwide

$907

$76

GEICO

$942

$79

Shelter

$958

$80

Travelers

$977

$81

Iowa Farm Bureau

$1,031

$86

American Family

$1,036

$86

Shelter

$1,044

$87

GEICO

$1,046

$87

Travelers

$1,048

$87

Farmers Union Insurance

$1,049

$87

State Farm

$1,086

$91

Dairyland

$1,130

$94

Farmers

$1,148

$96

Progressive

$1,150

$96

Farmers

$1,165

$97

Dairyland

$1,173

$98

Allstate

$1,175

$98

Farmers Union Insurance

$1,178

$98

Auto-Owners Insurance Co

$1,187

$99

Travelers

$1,217

$101

Allstate

$1,234

$103

Iowa Farm Bureau

$1,235

$103

Allstate

$1,240

$103

Progressive

$1,262

$105

Shelter

$1,281

$107

Farmers

$1,355

$113

Farmers Union Insurance

$1,366

$114

Dairyland

$1,377

$115

Progressive

$1,554

$130

Shelter

$1,863

$155

Dairyland

$2,450

$204

Dairyland

$2,743

$229

Dairyland

$3,311

$276

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

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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USAA

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.

Company
Annual Premium
Monthly Premium

Nationwide

$257

$21

Nationwide

$267

$22

State Farm

$315

$26

Nationwide

$328

$27

Iowa Farm Bureau

$329

$27

State Farm

$334

$28

Auto-Owners Insurance Co

$341

$28

Auto-Owners Insurance Co

$367

$31

GEICO

$382

$32

Iowa Farm Bureau

$395

$33

State Farm

$404

$34

Progressive

$406

$34

GEICO

$416

$35

Progressive

$427

$36

Farmers Union Insurance

$439

$37

Auto-Owners Insurance Co

$447

$37

GEICO

$447

$37

Farmers Union Insurance

$458

$38

Travelers

$458

$38

Iowa Farm Bureau

$468

$39

Travelers

$480

$40

American Family

$491

$41

American Family

$501

$42

Farmers

$504

$42

Progressive

$507

$42

Travelers

$507

$42

Shelter

$520

$43

Farmers Union Insurance

$536

$45

Farmers

$558

$47

Farmers

$595

$50

American Family

$606

$51

Shelter

$640

$53

Allstate

$674

$56

Nationwide

$680

$57

Allstate

$682

$57

Allstate

$751

$63

Nationwide

$782

$65

State Farm

$784

$65

American Family

$802

$67

Iowa Farm Bureau

$838

$70

Auto-Owners Insurance Co

$861

$72

American Family

$870

$73

State Farm

$871

$73

Auto-Owners Insurance Co

$889

$74

GEICO

$903

$75

Nationwide

$907

$76

GEICO

$942

$79

Shelter

$958

$80

Travelers

$977

$81

Iowa Farm Bureau

$1,031

$86

American Family

$1,036

$86

Shelter

$1,044

$87

GEICO

$1,046

$87

Travelers

$1,048

$87

Farmers Union Insurance

$1,049

$87

State Farm

$1,086

$91

Dairyland

$1,130

$94

Farmers

$1,148

$96

Progressive

$1,150

$96

Farmers

$1,165

$97

Dairyland

$1,173

$98

Allstate

$1,175

$98

Farmers Union Insurance

$1,178

$98

Auto-Owners Insurance Co

$1,187

$99

Travelers

$1,217

$101

Allstate

$1,234

$103

Iowa Farm Bureau

$1,235

$103

Allstate

$1,240

$103

Progressive

$1,262

$105

Shelter

$1,281

$107

Farmers

$1,355

$113

Farmers Union Insurance

$1,366

$114

Dairyland

$1,377

$115

Progressive

$1,554

$130

Shelter

$1,863

$155

Dairyland

$2,450

$204

Dairyland

$2,743

$229

Dairyland

$3,311

$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.

Company
Annual Premium
Monthly Premium

Nationwide

$257

$21

Nationwide

$267

$22

State Farm

$315

$26

Nationwide

$328

$27

Iowa Farm Bureau

$329

$27

State Farm

$334

$28

Auto-Owners Insurance Co

$341

$28

Auto-Owners Insurance Co

$367

$31

GEICO

$382

$32

Iowa Farm Bureau

$395

$33

State Farm

$404

$34

Progressive

$406

$34

GEICO

$416

$35

Progressive

$427

$36

Farmers Union Insurance

$439

$37

Auto-Owners Insurance Co

$447

$37

GEICO

$447

$37

Farmers Union Insurance

$458

$38

Travelers

$458

$38

Iowa Farm Bureau

$468

$39

Travelers

$480

$40

American Family

$491

$41

American Family

$501

$42

Farmers

$504

$42

Progressive

$507

$42

Travelers

$507

$42

Shelter

$520

$43

Farmers Union Insurance

$536

$45

Farmers

$558

$47

Farmers

$595

$50

American Family

$606

$51

Shelter

$640

$53

Allstate

$674

$56

Nationwide

$680

$57

Allstate

$682

$57

Allstate

$751

$63

Nationwide

$782

$65

State Farm

$784

$65

American Family

$802

$67

Iowa Farm Bureau

$838

$70

Auto-Owners Insurance Co

$861

$72

American Family

$870

$73

State Farm

$871

$73

Auto-Owners Insurance Co

$889

$74

GEICO

$903

$75

Nationwide

$907

$76

GEICO

$942

$79

Shelter

$958

$80

Travelers

$977

$81

Iowa Farm Bureau

$1,031

$86

American Family

$1,036

$86

Shelter

$1,044

$87

GEICO

$1,046

$87

Travelers

$1,048

$87

Farmers Union Insurance

$1,049

$87

State Farm

$1,086

$91

Dairyland

$1,130

$94

Farmers

$1,148

$96

Progressive

$1,150

$96

Farmers

$1,165

$97

Dairyland

$1,173

$98

Allstate

$1,175

$98

Farmers Union Insurance

$1,178

$98

Auto-Owners Insurance Co

$1,187

$99

Travelers

$1,217

$101

Allstate

$1,234

$103

Iowa Farm Bureau

$1,235

$103

Allstate

$1,240

$103

Progressive

$1,262

$105

Shelter

$1,281

$107

Farmers

$1,355

$113

Farmers Union Insurance

$1,366

$114

Dairyland

$1,377

$115

Progressive

$1,554

$130

Shelter

$1,863

$155

Dairyland

$2,450

$204

Dairyland

$2,743

$229

Dairyland

$3,311

$276

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.

Company
Annual Premium
Monthly Premium

Nationwide

$394

$33

Nationwide

$416

$35

Nationwide

$506

$42

GEICO

$605

$50

Iowa Farm Bureau

$646

$54

GEICO

$658

$55

Progressive

$675

$56

Progressive

$719

$60

GEICO

$746

$62

Farmers

$770

$64

Iowa Farm Bureau

$779

$65

Travelers

$781

$65

Travelers

$793

$66

Farmers Union Insurance

$801

$67

Shelter

$822

$69

American Family

$829

$69

Progressive

$832

$69

Farmers Union Insurance

$839

$70

American Family

$853

$71

Travelers

$856

$71

Farmers

$867

$72

Iowa Farm Bureau

$880

$73

Farmers

$898

$75

State Farm

$915

$76

Allstate

$931

$78

Allstate

$946

$79

State Farm

$971

$81

Farmers Union Insurance

$973

$81

Auto-Owners Insurance Co

$997

$83

Shelter

$1,008

$84

Nationwide

$1,021

$85

American Family

$1,048

$87

Allstate

$1,050

$88

Auto-Owners Insurance Co

$1,076

$90

State Farm

$1,178

$98

Nationwide

$1,180

$98

Auto-Owners Insurance Co

$1,307

$109

Nationwide

$1,369

$114

American Family

$1,383

$115

GEICO

$1,432

$119

Dairyland

$1,449

$121

GEICO

$1,495

$125

Shelter

$1,496

$125

American Family

$1,503

$125

Dairyland

$1,510

$126

Iowa Farm Bureau

$1,596

$133

Travelers

$1,649

$137

Travelers

$1,721

$143

GEICO

$1,747

$146

Allstate

$1,759

$147

Dairyland

$1,768

$147

American Family

$1,806

$151

Farmers

$1,836

$153

Farmers

$1,841

$153

Allstate

$1,847

$154

Allstate

$1,852

$154

Shelter

$1,898

$158

Progressive

$1,953

$163

Iowa Farm Bureau

$1,967

$164

Travelers

$1,989

$166

State Farm

$2,020

$168

Farmers Union Insurance

$2,035

$170

Farmers

$2,123

$177

Progressive

$2,147

$179

State Farm

$2,230

$186

Iowa Farm Bureau

$2,249

$187

Farmers Union Insurance

$2,287

$191

Shelter

$2,328

$194

Progressive

$2,624

$219

Farmers Union Insurance

$2,636

$220

Auto-Owners Insurance Co

$2,643

$220

Auto-Owners Insurance Co

$2,743

$229

State Farm

$2,773

$231

Dairyland

$3,218

$268

Shelter

$3,370

$281

Dairyland

$3,649

$304

Auto-Owners Insurance Co

$3,677

$306

Dairyland

$4,383

$365

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.

Company
Annual Premium
Monthly Premium

Nationwide

$232

$19

Nationwide

$239

$20

GEICO

$298

$25

Nationwide

$301

$25

GEICO

$324

$27

State Farm

$324

$27

Auto-Owners Insurance Co

$333

$28

State Farm

$343

$29

GEICO

$349

$29

Progressive

$351

$29

Auto-Owners Insurance Co

$358

$30

Farmers

$375

$31

Progressive

$383

$32

Travelers

$412

$34

Farmers

$413

$34

State Farm

$417

$35

Travelers

$432

$36

Auto-Owners Insurance Co

$438

$37

Farmers

$449

$37

Travelers

$453

$38

Progressive

$471

$39

American Family

$485

$40

American Family

$495

$41

Allstate

$585

$49

Allstate

$590

$49

American Family

$600

$50

Allstate

$647

$54

Nationwide

$760

$63

American Family

$761

$63

American Family

$824

$69

Nationwide

$883

$74

Auto-Owners Insurance Co

$909

$76

State Farm

$915

$76

Auto-Owners Insurance Co

$945

$79

Travelers

$951

$79

American Family

$979

$82

State Farm

$1,017

$85

Farmers

$1,017

$85

Travelers

$1,024

$85

Nationwide

$1,039

$87

Dairyland

$1,056

$88

Farmers

$1,075

$90

Dairyland

$1,096

$91

GEICO

$1,153

$96

Allstate

$1,177

$98

GEICO

$1,180

$98

Travelers

$1,193

$99

Allstate

$1,214

$101

Farmers

$1,257

$105

Allstate

$1,258

$105

Progressive

$1,273

$106

Auto-Owners Insurance Co

$1,275

$106

State Farm

$1,289

$107

Dairyland

$1,289

$107

GEICO

$1,330

$111

Progressive

$1,521

$127

Progressive

$1,981

$165

Dairyland

$2,491

$208

Dairyland

$2,837

$236

Dairyland

$3,430

$286

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.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Olathe

$1,062

$488

Topeka

$1,070

$451

Overland Park

$1,092

$508

Wichita

$1,169

$505

Kansas City

$1,254

$539

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.