The average cost of a full car insurance policy in Wichita, Kansas is $1,701, slightly higher than the Kansas state average of $1,604. But car insurance rates can vary widely from driver to driver, based on things like age, ZIP code, driving history, and credit score.
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The best way to save money on car insurance is to shop around and compare quotes before you buy. Policygenius makes it easy to find your best options, so you can be sure you’re getting the coverage you need at a price you feel good about.
Kansas requires at least $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage.
USAA has the lowest average rates in Wichita at $906 a year.
67235 is the cheapest ZIP code in Wichita for car insurance.
Car insurance companies consider lots of information when setting your rates, like age, address, driving history, credit score, even your marital status.
That’s why rates can vary so much from driver to driver. But rates can also vary from company to company, and some may offer you better deals than others, even for the same exact coverage.
Drivers in Wichita neighborhoods with fewer reported accidents and claims will enjoy lower rates than those with higher crime rates, more reported accidents, and busier streets.
There’s no one right car insurance company for every driver in Wichita — the right company for you will be whichever one offers you the best coverage at the lowest rates. And the only way to find your best deal is to shop around and compare options from multiple companies before choosing a policy.
Policygenius makes it easy to compare rates from top car insurance companies, so you can be sure you’re making the right choice for your needs.
Being a safe and careful driver is always a good idea and can lower your rates, but if you have received a speeding ticket or had an accident or two, comparing quotes when renewing your insurance is even more important.
A poor credit score means you’ll pay more for car insurance, so it’s all the more important for Wichita drivers with bad credit to shop around before buying a policy.
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Most states require that drivers have at least a minimum amount of car insurance coverage. Here are the requirements in Kansas:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Personal injury protection (PIP): $4,500 per accident
Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident
Kansas is a no-fault state, which means that after an accident, drivers have to seek reimbursement for any injuries through their own car insurance company, no matter who was at fault.
This is why all Kansas drivers are required to have at least a minimum amount of PIP coverage, which covers your medical bills and injury-related expenses after a car accident.
Know your needs. Understand the coverage you need and how high to set your limits.
Find out about discounts: Take advantage of savings for things like good grades and safe driving,
Bundle your policies: Get multiple policies, like home and auto insurance, at the same company and save on both.
Comparison shop: Compare quotes from multiple companies before buying a policy.
Yes, it is illegal not to have car insurance in Kansas. Failure to maintain auto insurance is a misdemeanor which can result in pricey fines, higher car insurance rates in the future, and even jail time.
Your insurance needs can change often, so updating your coverage before renewal each year is a good idea. Changes such as a new vehicle, marriage, divorce, or an added driver can mean lower or higher rates, depending on the specifics.
Yes, after seven years of safe driving, most insurance companies will consider you an experienced driver. However, if you received your license later in life or your driving record is less than perfect, that may not be the case, so don’t expect an automatic price drop.
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.