Best Car Insurance in Wichita 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Wichita.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
October 5, 2021Hyundai Veracruz GLS6721136State Auto$145/mo.$63/mo.
May 30, 2021Volkswagen Beetle 1.8T6721327Progressive$120/mo.$74/mo.
September 14, 2021Nissan Murano SL6721631AAA$233/mo.$77/mo.
September 11, 2021Ford F150 Supercrew6720735Bristol West$160/mo.$81/mo.
August 18, 2021Pontiac G6 GT6721821Progressive$181/mo.$137/mo.
Here’s more information about what impacts the insurance rates in your Wichita.

How much does car insurance cost in Wichita?

Car insurance in Wichita, Kansas costs single-car drivers an average of $2,326 annually, or about $194 per month. Compared to the state annual average of $2,386, auto insurance in Wichita is $60 lower higher.
As the largest city in Kansas, Wichita is a fairly dense urban center with plenty of people and cars. The city also has one of the highest rates of violent and property crime in the entire country—so car insurance premiums tend to be pricey.
Jerry. Jerry is a super app that helps with all your car-related needs, including insurance. And to help you understand where to start with your car insurance policy, Jerry is breaking down everything you need to know about car insurance in Wichita, KS.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Wichita$2,495$1,845$1,892$1,058--
National Average$3,223$2,143$3,086$1,764$3,423$2,486
WichitaNational Average
All Coverage Before Jerry
$2,495$3,223
All Coverage After Jerry
$1,845$2,143
Minimum Coverage Before Jerry
$1,892$3,086
Minimum Coverage After Jerry
$1,058$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
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Choosing a carrier in Wichita

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
After deciding what coverage you want, you’ll need to pick a company. Some of the most popular providers in Wichita include AAA, State Farm, and Allstate. All three offer great coverage and plenty of discount options.
That said, the right provider for you may vary depending on factors like your age, vehicle, driving history, and more. Jerry can help you compare rates from dozens of insurers to find you the best deal.
Here’s what drivers in Wichita pay with various insurance companies before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Allstate$1,800$1,020Compare Prices
State Auto$1,740$972Compare Prices
Progressive$2,109$736Compare Prices
Travelers$1,800$670Compare Prices
Dairyland$2,004$546Compare Prices
Nationwide$2,352$540Compare Prices
Safeco$2,280$192Compare Prices
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What kind of car insurance you need in Wichita

In Wichita, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
In Kansas, drivers must have at least the following insurance before getting behind the wheel:
Choosing to ignore the required liability insurance can result in fees, points on your license, and possible arrest. You’ll also need a valid driver’s license and registration for your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
While the mandatory minimum insurance is legally required, purchasing additional insurance is always a good idea. Generally speaking, you should buy as much as you can afford.
Here are some recommended coverages for Wichita drivers:
FactorRecommended coverageDescription
High populationAccident forgivenessWichita has over 385,000 residents. Accident forgiveness prevents your insurance rates from increasing after your first at-fault incident.
TrafficCollision insuranceBusy cities are the perfect places for accidents. If you get into an accident, collision insurance will cover any damage to your vehicle.
Uninsured driversUninsured/underinsured motorist coverageAbout 11% of drivers in Kansas don’t have insurance. If an underinsured driver hits you, this policy covers property damage, medical bills, and more.
City roadsRoadside assistanceDriving on city roads means potholes, debris, and more. Roadside assistance can help if you need a tow truck or a tire change.
Inclement weatherComprehensive coverageWichita usually experiences tornadoes in May, though they’re possible year-round. Comprehensive insurance pays for damage to your vehicle caused by natural disasters and other non-collision-related causes.

What determines your car insurance cost in Wichita

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Wichita, you could be paying as much as $56 more per month than an adult driver. These are average rates for Jerry customers in Wichita broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$3,360$168
21-24$2,979$814
25-34$2,377$538
35-44$2,272$881
45-54$2,097$465
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Wichita with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,504$664
Driving on Sus. License$2,640$682
Speeding under 15$2,326$522
Other$2,911$899
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Where in Wichita you live

It may seem like insurance rates in Wichita should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Wichita, residents of 67204, 67213, 67212, 67207 and 67217 will have the most expensive car insurance rates, while people who live in 67235, 67205, 67208, 67214 and 67220 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Wichita:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
September 11, 202167216Nissan Murano SLKS31AAA$233/mo.$42/mo.
August 16, 202167211Jeep Renegade LatitudeKS43Allstate$150/mo.$56/mo.
October 5, 202167211Hyundai Veracruz GLSKS36State Auto$145/mo.$57/mo.
September 27, 202167218Dodge Challenger SXTKS27Bristol West$133/mo.$61/mo.
October 5, 202167218Dodge Challenger R/TKS21Progressive$248/mo.$96/mo.
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Why is car insurance in Wichita so expensive?

A variety of considerations determine baseline car insurance rates in Wichita. Insurance companies often consider the following:

Population density

Wichita has over 2,000 residents per square mile. That makes for congested roads, frequent car accidents, and more. All of those factors can raise your car insurance.

Inclement weather

Wichita sees tornadoes, severe thunderstorms, flooding, and more throughout the year. Insurance tends to cost more in areas where severe weather can result in claims.

Crime rate

Property damage is common in large cities, and Wichita is no exception. Insurers charge higher rates if you live in an area where theft or vandalism is a greater risk.

How can you save money on car insurance in Wichita?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

After learning why your car insurance is so high, you should learn how to save some money. Discounts are always a great way to lower your costs. Some popular car insurance discounts include:
DiscountDescription
Good studentStudents under the age of 25 may get insurance discounts with proof of a high GPA.
Safe driving recordIndividuals with a clean driving history will experience lower rates and may be eligible for discounts.
Customer loyaltyPurchasing multiple types of insurance from a single insurance provider—also known as bundling—is an easy way to save.
UsageSome companies offer a telematics program that tracks your driving habits and rewards you with discounts for safe behaviors.
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