Best car insurance in Wichita, KS (2024)

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Ed ZuccarelliFreelance contributorEd Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|2 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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The average cost of a full car insurance policy in Wichita, Kansas is $1,617, slightly higher than the Kansas state average of $1,532. But car insurance rates can vary widely from driver to driver, based on things like age, ZIP code, driving history, and credit score.

Ready to shop car insurance?

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.

  • 67227 is the cheapest ZIP code in Wichita for car insurance.

Methodology & why you can trust our rates

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.

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

$940

874

State Farm

$1,122

882

Nationwide

$1,233

868

Auto-Owners Insurance

$1,305

865

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

67227

$1,547

67235

$1,549

67230

$1,552

67223

$1,556

67226

$1,561

67228

$1,561

67205

$1,571

67215

$1,571

67232

$1,573

67206

$1,574

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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

Nationwide

Auto-Owners Insurance

At-fault accident

$1,357

$1,862

$1,300

$2,068

$1,857

DUI

$2,277

$3,512

$1,210

$2,658

$3,227

Suspended license

$2,144

$1,244

$1,210

$2,658

$3,227

Open container

$1,309

$1,244

$1,210

$1,552

$1,705

Expired registration

$1,174

$1,015

$1,210

$1,552

$1,448

Driving without lights

$1,174

$1,244

$1,210

$1,552

$1,569

Running a red light

$1,174

$1,244

$1,210

$1,552

$1,569

Following too closely

$1,174

$1,244

$1,210

$1,552

$1,569

Hit and run

$2,457

$3,512

$1,210

$2,658

$3,227

Not-at-fault accident

$959

$1,183

$1,144

$1,278

$1,325

Passing a school bus

$1,309

$1,244

$1,210

$1,552

$1,788

Reckless driving

$1,309

$2,457

$1,210

$2,658

$2,276

Speeding

$1,174

$1,244

$1,210

$1,552

$2,276

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Cheapest car insurance for drivers with a DUI in Wichita, KS

Company

Rates for drivers with DUIs

State Farm

$1,210

USAA

$2,277

Nationwide

$2,658

Auto-Owners Insurance

$3,227

GEICO

$3,512

Cheapest car insurance for drivers with a speeding ticket in Wichita, KS

Company

Rates for drivers with speeding tickets

USAA

$1,174

State Farm

$1,210

GEICO

$1,244

Nationwide

$1,552

Auto-Owners Insurance

$2,276

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

$1,451

USAA

$1,703

Nationwide

$1,904

Travelers

$2,438

American Family

$2,599

Ready to shop car insurance?

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 in KS?

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.

Is Kansas a tort state?

In a tort state, at-fault drivers in an accident are responsible for paying the other driver's medical expenses. By this definition, Kansas is not a tort state, but Kansas does have modified comparative negligence laws. This means that drivers who are more than 50% responsible for an accident cannot collect damages fro mthe other driver.

Is Kansas a no-fault auto insurance state?

Kansas is a no-fault state, which means that drivers are expected to file a claim with their own insurance company after an accident, no matter who was at fault. As part of the no-fault laws of the state, drivers in Kansas are required to have $4,500 in PIP coverage per accident.

Authors

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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