Best car insurance companies in Wichita
To help Kansas drivers find the best car insurance provider, Jerry surveyed over 15,000 policyholders to discover which companies were the biggest standouts.
In Wichita specifically, here are some of the insurance providers with the cheapest rates and top marks overall.
| Insurance provider | Average monthly cost of minimum coverage | Average monthly cost of full coverage | Jerry rating |
|---|---|---|---|
| Anchor General | $48 | $81 | 4.7 |
| Travelers | $51 | $114 | 4.5 |
| Mercury Auto | $68 | $117 | 4.3 |
| Elephant Auto Insurance | $61 | $125 | N/A |
| Nationwide | $52 | $130 | 4.2 |
| AAA | $79 | $141 | 4.2 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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.
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:
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | Yes | National General | $94 | 74 | 67207 | Hyundai Elantra Sel |
| State Minimum | Yes | Progressive | $293 | 33 | 67214 | Infiniti Qx60 |
| State Minimum | Yes | Bristol West | $324 | 35 | 67207 | Ford Mustang |
| State Minimum | No | The General | $149 | 67 | 67218 | Buick Park Avenue Ultra |
| State Minimum | Yes | The General | $331 | 51 | 67217 | Chevrolet Cruze Ltz |
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.
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 |
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.
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.
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 coverage |
|---|---|
| Clearcover | $108 |
| AAA | $117 |
| Travelers | $143 |
| Direct Auto | $152 |
| Nationwide | $153 |
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:
- Ford F-150
- Chevrolet Silverado
- Ram 1500
- GMC Sierra
- Toyota RAV4
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.
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.
FAQ
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How much does car insurance cost in Wichita KS?
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How much is average car insurance in Kansas?
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Why is car insurance in Kansas so expensive?
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What car insurance is required in Kansas?
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Is Kansas a no-fault state?
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What is the penalty for no car insurance in Kansas?
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 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.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*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.
