The best car insurance in Wichita, KS

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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.

Key Takeaways

  • 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.

Cheapest car insurance companies in Wichita, KS

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.

Company

Average cost

JD Power Rating

USAA

$906

890

GEICO

$1,046

871

State Farm

$1,163

881

Auto-Owners Insurance

$1,289

890

American Family

$1,354

862

Cheapest car insurance rates by ZIP code in Wichita, KS

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.

ZIP code

Average cost

67202

$1,735

67203

$1,762

67204

$1,726

67205

$1,664

67206

$1,656

67207

$1,709

67208

$1,762

67209

$1,676

Choosing the right car insurance company in Wichita, KS

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.

Car insurance rates for drivers with driving violations in Wichita, KS

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.

Violation

USAA

GEICO

State Farm

Auto-Owners Insurance

American Family

At-fault accident

$1,357

$2,076

$1,379

$1,687

$2,225

DUI

$2,277

$3,917

$1,282

$2,965

$1,925

Suspended license

$2,144

$1,386

$1,282

$2,965

$2,385

Open container

$1,309

$1,386

$1,282

$1,545

$1,925

Expired registration

$1,174

$1,131

$1,282

$1,300

$1,484

Driving without lights

$1,174

$1,386

$1,282

$1,424

$1,484

Not showing documents

$1,174

$1,131

$1,282

$1,300

$1,484

Running a red light

$1,174

$1,386

$1,282

$1,424

$1,925

Cheapest car insurance for drivers with bad credit in Wichita, KS

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.

Company

Rates for drivers with bad credit

GEICO

$1,617

USAA

$1,703

Nationwide

$2,187

Auto-Owners Insurance

$2,279

Iowa Farm Bureau

$2,541

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Buying car insurance in Wichita, KS

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.

How to get cheap car insurance in Wichita, KS

  • 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.

Frequently asked questions

Is car Insurance mandatory in Kansas?

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.

How often should I update my coverage?

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.

I’ve heard turning 25 makes me eligible for a lower rate, is that true?

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.

Methodology

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.