While these providers were some of the best in the city, it’s important to remember that no one insurer is best suited for every motorist. All providers use their own calculations to decide their rates—so, a premium that looks good to someone else may not be what you’re looking for.

Cheapest car insurance quotes in Wichita

For the everyday Wichita driver, the average cost of car insurance can range from $74 per month for state minimum coverage or $174 for full coverage. Compared to the state average, Wichita motorists pay roughly 22% more for full coverage.

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Best cheap car insurance quotes in Wichita

Drivers can’t hit the road in Kansas without carrying the minimum state-mandated car insurance requirements—however, minimum coverage often isn’t enough to protect you in the event of a serious crash or in the face of a natural disaster.

Cheap minimum liability insurance quotes in Wichita

Minimum liability coverage in KS must include:

Insurance coverage	Insurance company	Premium (monthly)	Customer	Car
• State Minimum Liability • Comp / Collision	Progressive	$203	Lora, 51 Zip: 67217	Chevrolet Cruze LTZ
• 100,000/300,000 Liability • Comp / Collision	Travelers	$189	Emily, 50 Zip: 67226	KIA Optima LX
• State Minimum Liability • Comp / Collision	AAA	$311	Marcus, 49 Zip: 67204	Cadillac XTS Luxury Collection
• 100,000/100,000 Liability • Comp / Collision	Nationwide	$195	Gregory, 34 Zip: 67206	Mazda 6 Touring
• State Minimum Liability • Comp / Collision	Bristol West	$162	Josephine, 34 Zip: 67207	Mercury Montego Premier

Last Updated Nov 23, 2024

For those interested in locking in affordable state minimum coverage, Wichita drivers have found the cheapest rates with the companies below.

Insurance provider	Average monthly cost of minimum coverage	Average annual cost of minimum coverage
Kemper Preferred	$36	$433
State Auto	$45	$544
Say Insurance	$45	$545
Anchor General	$48	$575

Do you need more than minimum coverage in Wichita?

For the majority of Wichita drivers, springing for more than minimum coverage is in their best interest—full coverage helps protect you and your vehicle, but also saves you any future headaches in the form of medical expenses or vehicle repair after a crash.

It’s also worth remembering that

Kansas’ car accident laws

allow motorists to file for any bodily injury or property damage lawsuits up to two years after an accident, meaning your liability can stretch far past the actual crash date.

To ensure you have top protection in place, it’s recommended motorists carry 50/100/50 or 100/300/100 liability coverage—even if you choose not to opt for full coverage on your vehicle.

Cheap full coverage car insurance quotes in Wichita

Full coverage

is the only way to keep yourself and your vehicle protected in the event of a serious accident, thanks to

comprehensive

and

collision coverage

Unlike minimum coverage, collision and comprehensive coverage handle the cost of repair or replacement to your vehicle should you crash into another object (like a guard rail or another car) or fall victim to things like natural disasters, falling objects, or theft.

Let’s take a closer look at some of the cheapest insurance companies in Wichita that offer the best rates for full coverage:

Insurance provider	Average monthly cost of full coverage	Average annual cost of full coverage
Anchor General	$81	$977
Say Insurance	$95	$1,145
Travelers	$114	$1,374
Mercury Auto	$117	$1,402
Elephant Auto Insurance	$125	$1,504

The easiest way to find affordable full coverage is to shop for auto insurance quotes from multiple providers, an arduous process that Jerry makes easy. Once you download the Jerry app you can shop for and compare free quotes from dozens of providers to lock in the lowest rates on insurance products.

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Sean S.

| Verified Jerry Customer

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Average cost of car insurance in Wichita

The average cost of Wichita car insurance ranges from $74 per month for state minimum coverage or $174 for full coverage policies.

However, it’s important to remember that an average cost is exactly that, and doesn’t reflect what everyone in a given area will pay. Companies determine rates based on a number of common factors including your age, driving history, ZIP code, and the kind of car you drive—different driving profiles means different rates across the board.

Average cost of car insurance in Wichita by zip code

Even if you’re in the same city, drivers can pay vastly different rates across varying neighborhoods. The reason why is that certain areas are prone to theft or vandalism, meaning auto insurance companies try to mitigate claims by charging more.

To give you a better idea, here’s how ZIP codes in the state area compare against each other.

Average cost of car insurance in Wichita by zip code

Even within the same city, car insurance rates vary based on where you live. Neighborhoods that experience more auto theft, car accidents, and other situations that can lead to insurance claims may be classified as “high-risk.”

Drivers living in these areas typically pay more than people in other parts of the city.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
67203	$53	$164
67204	$91	$225
67205	$41	$188
67206	$138	$330
67207	$125	$170
67208	$88	$161
67209	$73	$121
67210	$67	$203
67211	$77	$163
67212	$62	$138
67213	$82	$166
67214	$62	$211
67216	$53	$166
67217	$73	$179
67218	$108	$225

Compare car insurance costs in other states

Nebraska car insurance

Oklahoma car insurance

Iowa car insurance

South Dakota car insurance

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Arkansas car insurance

New Mexico car insurance

Car insurance quotes in Wichita by rating factors

Wichita insurance providers use a multitude of factors when

calculating your auto insurance premium

Driving record: Drivers with violations or a history of claims on their record will pay more than drivers with a clean record.

Age: Drivers under the age of 25 or over the age of 75 pay the most for car insurance because they’re seen as higher risks on the road by insurance companies.

Vehicle type: Luxury, high-performance, and sports cars usually have higher insurance costs.

Vehicle location: Drivers in neighborhoods prone to theft, vandalism, or natural disasters will pay more on account of the increased likelihood that they’ll file a claim.

How do different factors impact your car insurance costs in Wichita?

Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history

Prohibited (or effectively prohibited): Wichita currently does not disallow any common insurance rating factors when calculating insurance premiums.

Learn more about the car insurance rating factors in Wichita:

Cheap car insurance quotes in Wichita after driving violations

One of the biggest considerations for providers is

your driving profile

—if you have a history of filing claims or being in accidents, companies label you a high-risk motorist and you’ll see a spike in rates.

Here are some common violations that could affect your insurance rates:

Speeding

DUIs

At fault accident

Reckless driving

Driving on a suspended license

Cheapest car insurance in Wichita after speeding ticket

A speeding ticket will always negatively impact your rates. In Kansas alone, your insurance costs could rise by over 22% from just one violation.

The average cost of insurance after a minor speeding violation could be as high as $200 a month in both Wichita and Kansas.

MORE:

What To Do After a Kansas Speeding Ticket

Cheapest car insurance in Wichita after DUI

After one

DUI charge in Kansas

, the cost of insurance could increase by a whopping 66%. This is because getting charged with a DUI makes you a high-risk motorist to insurance companies—while some providers are more lenient with their rate spikes, others can charge a hefty premium.

Cheapest car insurance in Wichita after an at-fault accident

At-fault accidents can also drive up the cost of your premium—the average cost of car insurance in Wichita after an at-fault accident is roughly $130 per month or $1,556 every year.

Let’s take a closer look at how providers adjust their rates after this kind of violation:

Insurance provider	Average monthly cost of coverage	Average annual cost of coverage
Kemper Preferred	$102	$1,221
Travelers	$105	$1,254
Nationwide	$115	$1,384
Traders Majestic	$120	$1,439
Progressive	$157	$1,890

Keep in mind that other major providers can charge far more than this after an at-fault accident. For example,

Dairyland

($228/month),

The General

($249/month), and

Esurance

($294/month) are on the higher side of premium rates.

Cheapest car insurance in Wichita after other driving violations

Of course, there are plenty of other violations the everyday driver can get dinged with, all of which can impact your insurance rates. We’ve compiled a list of additional infractions, and what the average cost of insurance is in the state afterward.

Violation	Average monthly cost of coverage
Failure to obey signal	$157
Failure to yield	$177
Wrong way/wrong lane	$189
Racing/drag racing	$322

Cheap car insurance quotes in Wichita by age

Age is a big factor in how much you pay for coverage—teens and seniors (75+) tend to pay the most for insurance. Providers see these two age groups as higher risks on the road.

Cheapest car insurance in Wichita for young drivers

Drivers under the age of 25 pay some of the highest insurance rates. Companies are more comfortable insuring motorists with a proven clean record, something teen drivers need to acquire before they see cheaper rates.

Here’s what major providers charge young drivers in the city:

Insurance provider	Average monthly cost of coverage
AAA	$143
Nationwide	$199
Travelers	$218
Progressive	$249
State Auto	$310

Cheapest car insurance in Wichita for senior drivers

Senior motorists over the age of 75 also see a spike in their coverage. A big reason for that is because providers see senior drivers as a greater liability on the road due to slower reflexes and a likelihood of serious injuries in an accident.

Here’s a look at what providers charge drivers 65 or older.

Insurance provider	Average monthly cost of coverage
Nationwide	$89
Progressive	$100
Travelers	$104
State Auto	$111
AAA	$140

Compared to motorists 55-64, insurance rates from the same companies, like Progressive ($78/month), Travelers ($71/month), State Auto ($95/month), and AAA ($96/month) charge significantly more for drivers 65+.

Cheap car insurance quotes in Wichita based on insurance history

Coverage lapses often signal to insurers that you may be more of a risk to cover, meaning you could see higher rates as a result. However, that doesn’t mean an affordable car insurance policy is impossible—here are some of the cheapest providers in the city for those with a lapse on their record.

Insurance provider	Average monthly cost of full coverage
Clearcover	$108
AAA	$117
Travelers	$143
Direct Auto	$152
Nationwide	$153

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Cheap car insurance quotes in Wichita for drivers with poor credit

Your car insurance rates could increase by

a staggering 117%

in Kansas if you have a poor credit score, with providers often charging far less to those with good credit. The reason why?

Studies have shown

that people with bad credit scores often file more claims.

Cheap car insurance quotes in Wichita for popular cars

The kind of car you drive can play a role in how much you pay for insurance, with newer models often the culprit of higher premiums. Providers also consider factors like the likelihood of theft, a vehicle’s safety ratings, and the average cost of repair or replacement.

In Wichita, these are some of the most popular models:

Ram 1500

Now let’s take a closer look at how much it costs on average to insure these sought after vehicles.

Popular vehicle	Average monthly cost of car insurance
Ford F-150	$88
Chevrolet Silverado	$135
Ram 1500	$60
GMC Sierra	$56
Toyota RAV4	$108

How to lower car insurance costs in Wichita

1. Shop around and compare quotes

The best way to guarantee that you’re getting the cheapest auto insurance rates is to comparison shop across providers. Remember that every driver’s profile is different, meaning average rates can drastically change across the board.

Jerry allows you to shop for and compare rates from some of the biggest companies, giving you a chance to find cheap auto insurance that best suits your needs.

Compare car insurance quotes now

2. Hunt for car insurance discounts

The majority of providers have plenty of discounts available to their clients—some of which require very little work on your end! You can always speak with an insurance agent at your current provider to learn more about what you qualify for.

Keep a lookout for discounts like:

Good driver discounts. If you have a clean record and haven’t filed any recent claims, you could qualify for a discount from your current provider.

Telematics discounts. Quite a few companies offer discounts to drivers who install telematics to track their driving habits. Oftentimes, motorists see savings just for signing up.

Good student discounts. Full-time students who maintain a B average or higher can qualify for a discount from some providers.

Bundling discounts. When you

bundle your auto and home insurance

(or an auto insurance policy with renters insurance) with the same provider, you could see savings on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you have full coverage, a last ditch effort for affordable coverage could be to raise your deductible. However, this isn’t a go-to option and should only be considered if you can afford the increased rate.

MORE:

How to choose a car insurance deductible

FAQ

How much does car insurance cost in Wichita KS?

The average cost of Wichita car insurance ranges from $74 per month for state minimum coverage or $174 for full coverage policies.

How much is average car insurance in Kansas?

Kansas car insurance costs anywhere from $55 per month for state minimum coverage to $135 for full coverage. Keep in mind that these averages can vary based on insurance providers and your driving profile.

Why is car insurance in Kansas so expensive?

Car insurance is dependent on a multitude of factors, including where you live, your driving record, credit score, and vehicle make. Not only can these factors drive up the cost of your rates, but in Kansas specifically, drivers are required to carry quite a bit of minimum insurance.

What car insurance is required in Kansas?

Before you hit the road, you’ll need the state’s minimum requirements for liability coverage, personal injury protection, and uninsured motorist coverage.

Is Kansas a no-fault state?

Yes, Kansas is a no-fault state. What this means for drivers is that both parties involved in an accident have to file claims with their own insurance companies, and all motorists are required to carry PIP.

What is the penalty for no car insurance in Kansas?

Penalties for driving without insurance in KS range from traffic citations, fines, misdemeanor charges, license suspension, and an SR-22 filing requirement—consequences that only worsen if you’re caught without insurance more than once.

Subsequent offenses could see higher fines and the potential of jail time.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

Maria Cruz

Expert Insurance Writer & Editor

Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.

Sarah Gray

Licensed Insurance Agent — Expert Insurance Writer and Editor

Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.

Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.