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.
The best way to save money on car insurance is to shop around and compare quotes before you buy. policycentral 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.
Methodology & why you can trust our rates
policycentral 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 |
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.
policycentral 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 |
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 |
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.
