Auto-Owners, American Family, and Travelers are the most affordable car insurance options in Wichita. Insurance rates can change based on your driving history and the level of coverage you need. The table below shows different categories to help you find the most affordable company for your situation.
Cheapest Car Insurance in Wichita, KS
Updated: March 31, 2025
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Key Takeaways
The cheapest car insurance providers in Wichita include Auto-Owners, Travelers, American Family, Iowa Farm Bureau and GEICO.
The lowest monthly car insurance rates in Wichita are $33 for minimum coverage and $76 for full coverage.
On average, car insurance in Wichita costs $54 per month for minimum coverage and $123 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Kansas Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Wichita
| Auto-Owners Insurance Co | Minimum Coverage | $33 |
| American Family | Full Coverage | $76 |
| Nationwide | Teens | $102 |
| Travelers | Young Adults | $43 |
| Auto-Owners Insurance Co | Senior Drivers | $36 |
| Travelers | Drivers With Bad Credit | $66 |
| Travelers | Drivers With a Speeding Ticket | $50 |
| American Family | Drivers With a DUI | $51 |
| Auto-Owners Insurance Co | Drivers With an Accident | $40 |
| USAA | Military Affiliated Drivers | $23 |
Cheapest Car Insurance Coverage in Wichita
When searching for the cheapest car insurance in Wichita, compare rates from multiple providers. Costs vary based on age, driving history, vehicle type and coverage needs. The cheapest car insurance in Kansas may not be the same in Wichita. Comparing car insurance quotes is key to finding affordable coverage.
Cheapest Minimum Coverage Car Insurance in Wichita
Auto-Owners offers the cheapest minimum coverage car insurance in Wichita at $33 per month, followed by Travelers at $39. Check the table below to see different providers offering the best rates for minimum coverage.
| Auto-Owners Insurance Co | $33 | $21 |
| Travelers | $39 | $15 |
| American Family | $43 | $11 |
| Iowa Farm Bureau | $43 | $11 |
| GEICO | $44 | $10 |
| Farmers Union Insurance | $49 | $5 |
| State Farm | $49 | $5 |
| Progressive | $52 | $2 |
| Shelter | $54 | $0 |
Cheapest Full Coverage Car Insurance in Wichita
American Family offers the cheapest full coverage car insurance in Wichita at $915 per year. Check the table below to compare different providers offering the best rates for full car insurance coverage.
| American Family | $76 | $47 |
| Auto-Owners Insurance Co | $83 | $40 |
| Travelers | $84 | $39 |
| GEICO | $98 | $26 |
| Nationwide | $107 | $16 |
| Farmers | $114 | $9 |
| Shelter | $116 | $8 |
| State Farm | $119 | $4 |
Cheapest Car Insurance in Wichita by Age
In Wichita, your age can change your car insurance rates. Young drivers often pay more because they're new on the road. Over time, these rates usually go down, but they can go up again after age 70. Below, find the most affordable insurance companies for different ages — teens, young adults, and seniors.
Cheapest Car Insurance in Wichita for Teens
For those living in Wichita, Nationwide and Travelers offer the cheapest car insurance for teens. Check the table below to find the lowest rates for this age group in the city.
| Nationwide | $102 | $88 | $204 | $145 |
| Travelers | $182 | $8 | $300 | $49 |
Cheapest Car Insurance in Wichita for Young Adults
For affordable car insurance for young adults in Wichita, Travelers offers the best rate at $515 per year, saving you 35% compared to the city average. Other budget-friendly options include Auto-Owners, Iowa Farm Bureau, and American Family.
| Travelers | $43 | $23 |
| Auto-Owners Insurance Co | $43 | $22 |
| Iowa Farm Bureau | $52 | $14 |
| American Family | $52 | $14 |
| GEICO | $54 | $12 |
| Progressive | $56 | $9 |
| Farmers Union Insurance | $57 | $9 |
| State Farm | $60 | $6 |
Cheapest Car Insurance in Wichita for Seniors
Auto-Owners offers seniors in Wichita the cheapest car insurance at an annual rate of $432. For more information on car insurance for seniors, check out the table below to explore options from other providers and find the best rates for senior drivers.
| Auto-Owners Insurance Co | $36 | $18 |
| Iowa Farm Bureau | $36 | $18 |
| Travelers | $41 | $13 |
| American Family | $42 | $12 |
| Shelter | $45 | $9 |
| Progressive | $46 | $9 |
| State Farm | $47 | $7 |
| Farmers Union Insurance | $47 | $7 |
| GEICO | $50 | $4 |
Cheapest Car Insurance in Wichita for Drivers With Bad Credit
A poor credit-based insurance score may lead to higher premiums compared to those with good scores. For cheap car insurance for drivers with bad credit, Travelers offers a yearly rate of $791, while GEICO's rate is $863. Review the table below for more options from other providers.
| Travelers | $66 | $28 |
| GEICO | $72 | $22 |
| American Family | $73 | $21 |
| Progressive | $81 | $13 |
| Iowa Farm Bureau | $85 | $8 |
| Farmers | $87 | $7 |
| Nationwide | $87 | $7 |
| Shelter | $87 | $6 |
| Farmers Union Insurance | $89 | $4 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can still lower car insurance costs by using common discounts. Consider bundling different insurance policies for more savings. Compare personalized quotes from multiple companies. Improving your credit over time can also help you get a lower rate.
Cheapest Car Insurance in Wichita After a Driving Offense
Insurance providers assess risk when calculating car insurance premiums, and your driving record plays a key role. Violations like speeding tickets, accidents, or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Wichita After a DUI
Drivers in Wichita with a DUI on their record can still find affordable car insurance. American Family offers the cheapest minimum coverage at an annual rate of $608. Check the table below to explore options from other providers and find the best rates for drivers with a DUI.
| American Family | $51 | $41 |
| Progressive | $53 | $39 |
| State Farm | $56 | $36 |
| Travelers | $59 | $34 |
| Farmers | $81 | $11 |
| Farmers Union Insurance | $88 | $4 |
Cheapest Car Insurance in Wichita After an Accident
Auto-Owners offers the most affordable minimum coverage car insurance for drivers in Wichita with an at-fault accident, with an annual rate of $476. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates for drivers with an at-fault accident record.
| Auto-Owners Insurance Co | $40 | $42 |
| American Family | $43 | $39 |
| Travelers | $53 | $29 |
| State Farm | $62 | $20 |
| Iowa Farm Bureau | $68 | $14 |
| Farmers Union Insurance | $75 | $7 |
| GEICO | $79 | $3 |
| Progressive | $79 | $2 |
Cheapest Car Insurance in Wichita After a Ticket
Travelers offers the most affordable car insurance for drivers in Wichita with a speeding record, with an annual rate of $603. American Family follows closely with a rate of $608. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates for drivers with a speeding record.
| Travelers | $50 | $19 |
| American Family | $51 | $18 |
| GEICO | $53 | $16 |
| Auto-Owners Insurance Co | $54 | $15 |
| Iowa Farm Bureau | $56 | $13 |
| State Farm | $56 | $13 |
| Progressive | $61 | $8 |
| Farmers Union Insurance | $65 | $4 |
Cheapest Car Insurance in Wichita for Military Drivers
Military drivers, including active-duty members, veterans, and their families, often find special discounts and competitive rates on car insurance in Wichita. For those seeking affordable options, cheapest car insurance providers for military drivers include USAA at $277 annually and Auto-Owners Insurance Co at $399 annually for minimum coverage.
| USAA | $23 | $29 |
| Auto-Owners Insurance Co | $33 | $19 |
| Travelers | $39 | $13 |
| American Family | $43 | $9 |
| Iowa Farm Bureau | $43 | $9 |
| GEICO | $44 | $8 |
| Farmers Union Insurance | $49 | $3 |
| State Farm | $49 | $3 |
Car Insurance Quotes in Wichita
The estimated car insurance rates above give Wichita drivers an idea of expected premiums, serving as a helpful starting point for those seeking the cheapest options. However, since insurers consider individual factors, obtaining personalized quotes remains the best way to accurately estimate car insurance costs in the Air Capital.
Compare Wichita Car Insurance Estimates Online
Since each insurer evaluates personalized factors differently, comparing quotes is the only way to find the most affordable car insurance. For Wichita residents, MoneyGeek simplifies this process by providing multiple quotes within minutes. USAA offers a rate of $23 monthly, while Auto-Owners Insurance Co is at $33, both below the city average.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
$192
High
$139
Average
$87
Low
Rates updated:
Apr 23, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
1
Capital Insurance Group
MoneyGeek Score
94
/of 100
Average Monthly Payment$87/mo
2
GEICO
MoneyGeek Score
82
/of 100
Average Monthly Payment$109/mo
MoneyGeek Score
83
/of 100
Average Monthly Payment$118/mo
MoneyGeek Score
83
/of 100
Average Monthly Payment$129/mo
MoneyGeek Score
79
/of 100
Average Monthly Payment$133/mo
MoneyGeek Score
77
/of 100
Average Monthly Payment$151/mo
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Car Insurance Agencies in Wichita
While comparing car insurance quotes online is quick, those in Wichita seeking personalized advice should consider contacting local agencies. The table below includes names, review ratings, and contact information for top car insurance agencies, helping you find the right coverage for your needs.
How Much Does Car Insurance Cost in Wichita?
In Wichita, full coverage car insurance averages $1480 a year. State minimum coverage is cheaper, costing about $651 annually. Remember, these averages are based on a 40-year-old driver with good credit and a clean driving record; your rate may differ.
Wichita Auto Insurance Cost by Driver Profile
See how your auto insurance rate stacks up. This table shows average costs for various driver profiles to help you find an affordable plan.
| Teen Drivers | No Data | $349 |
| Young Adults | $66 | $151 |
| Senior Drivers | $54 | $115 |
| Drivers With Bad Credit | $94 | $221 |
| Drivers With a Speeding Ticket | $69 | $155 |
| Drivers With a DUI | $92 | $206 |
| Drivers With an Accident | $82 | $182 |
| Military Affiliated Drivers | $52 | $119 |
How Expensive Is Car Insurance Wichita?
In Wichita, minimum coverage car insurance is about $5 more a month than Kansas' average, at $54. Full coverage costs around $8 more monthly, averaging $123. While slightly above average, these rates offer Wichita drivers affordable protection.
| Wichita Avg Rate | $54 | $123 |
| Kansas Avg Rate | $49 | $116 |
| vs Kansas Avg Rate | $-5 | $-8 |
Car Insurance Requirements in Wichita
Kansas law mandates that drivers carry minimum coverage auto insurance. This ensures that every policy includes at least the basic limits for bodily injury and property damage liability coverage.
Here are the minimum coverage amounts required in Kansas:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
- $25,000 uninsured motorist bodily injury per person.
- $50,000 uninsured motorist bodily injury per accident.
- $4,500 personal injury protection (PIP) per person for medical expenses, and additional PIP benefits.
An auto insurance policy provides financial protection against expenses from accidents. Liability coverage handles costs for damage or injuries the policyholder is responsible for in an at-fault accident.
For instance, if you're at fault in an accident and the other driver sustains injuries, your minimum bodily injury liability coverage would cover up to $25,000 for that person's medical expenses. Any costs above this would require out-of-pocket payment or additional coverage. Wichita drivers needing to prove financial responsibility, such as with SR-22 insurance in Wichita, must maintain these minimum coverage limits.
Cheapest Car Insurance in Wichita: Bottom Line
Cheap car insurance in Wichita isn't one-size-fits-all. Your age, driving history, car type, and credit can change the cost. Auto-Owners Insurance Co and American Family often have low rates. But don't stop there! Always compare quotes from different companies to make sure you're saving the most money.
Cheap Wichita Car Insurance: FAQ
MoneyGeek answers common questions about affordable car insurance in Wichita. We guide you to find the best coverage for your needs, ensuring you get the right protection without breaking the bank.
What is the cheapest car insurance company in Wichita, Kansas?
The cheapest car insurance company in Wichita, Kansas, is typically Auto-Owners, with average rates of $33 per month for minimum coverage. For full coverage, American Family is cheapest at $76 per month. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Wichita, Kansas?
The average cost of car insurance in Wichita, Kansas, is around $1,480 per year for full coverage, while minimum coverage averages approximately $651 per year. These rates can vary depending on your specific circumstances.
Is car insurance in Wichita, Kansas, expensive?
Yes, car insurance in Wichita, Kansas, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Wichita, KS
To help Wichita drivers find the most affordable auto insurance companies, MoneyGeek analyzed Wichita auto insurance rates based on data and information from the Kansas Department of Insurance and Quadrant Information Services.
Wichita Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Wichita with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Wichita
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Kansas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage 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, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.