Wichita’s streets are often calm compared to larger metropolitan areas, but unexpected challenges like severe weather, including hail and tornadoes, can arise. Rural roads and wildlife crossings can also be hazards for drivers, making the right car insurance policy a must-have.

Rates in Wichita may be lower than larger cities, but your rate can vary based on your age, location within the city, desired coverage and driving record. We’ve gathered real quote data from Wichita Jerry customers to show you what premium you can expect.

Cheapest minimum coverage insurance in Wichita

Kansas requires drivers to carry the following minimum coverages:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage per accident.

Kansans also must have uninsured/underinsured motorists (UM/UIM) with a minimum of $25,000 per person and $50,000 for bodily injury per accident. You will also need to have personal injury protection with various coverages:

• $4,500 per person towards medical expenses
• $900 per month for one year towards disability, loss of income
• $25 per day in substitution benefits
• $2,000 for funeral, burial, or cremation expenses
• $4,500 for rehabilitation costs for re-employment training purposes
• $900 per month for one year for disability, loss-of-income survivor benefits
• $25 per day for up to one year in substitution benefits

These are the cheapest policies that Jerry customers in Wichita have received for the state’s minimum coverage.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Wichita

Full coverage includes the state’s minimum requirements along with collision and comprehensive coverages. Collision and comprehensive insurance can pay for repairs to your vehicle after an accident, regardless of fault, and covers damage caused by weather. The minimum insurance required in Kansas alone doesn’t cover you in these situations.

Here are the cheapest quotes for full coverage auto insurance that Jerry customers in Wichita have received via Jerry.

Cheapest car insurance for young drivers in Wichita (18 – 29 years old)

Young drivers tend to pay higher car insurance rates because insurers often perceive their limited time on the road as a risk. This means you may need to do extra comparison shopping to find a low-cost policy.

Here are the cheapest quotes that young Wichita drivers received through Jerry.

Cheapest car insurance for mature drivers in Wichita (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Cheapest car insurance for drivers with clean records in Wichita

The most affordable premiums often go to those with clean driving records. Here are the cheapest rates for drivers in Wichita with no claims or violations, according to Jerry’s quote data.

Cheapest car insurance for drivers with low credit scores in Wichita

Your credit score can be a factor in your car insurance quote, and drivers with low scores often pay higher rates than good-credit drivers. Here are the cheapest quotes that Wichita drivers with scores below 550 have received via Jerry.

Cheapest car insurance for drivers with at-fault accidents in Wichita

Cheapest car insurance for drivers with speeding tickets in Wichita

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.