What is the average cost of car insurance in Wichita?


Auto insurance costs an average of $1,714 per year in Wichita. That's more expensive than the average in Kansas ($1,622) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Wichita.


WICHITA CAR INSURANCE RATES
Wichita Average (annual)Kansas AverageNational Average
$1,714$1,622$1,548

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Wichita auto insurance rates by insurer


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, Iowa Farm Bureau offers Wichita's cheapest rates. Reference below the top options for affordable insurance in Wichita. Don't forget to get car insurance quotes based on your unique driving profile.


WICHITA AUTO INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
Iowa Farm Bureau$1,233
State Farm$1,233
American Family$1,338
Progressive$1,690
Allstate$1,970

Check out our guide to learn how to find the best cheap car insurance.



Wichita auto insurance rates by age

Wichita drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,438per year, on average. Those in their 60s don't pay significantly more ($1,451).

Teenage drivers pay Wichita's most expensive auto insurance rates. When Wichita drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Wichita is $3,610, the largest such difference between any two age groups.


WICHITA AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage Annual Rate
Teenagers$5,964
20s$2,354
30s$1,669
40s$1,594
50s$1,438
60s$1,451
70s$1,705

Learn more about the impact of age on car insurance premiums.



Wichita car insurance rates by marital status and gender


Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in Wichita pay $144 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Wichita, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Wichita, female drivers pay $35 per year more than do male drivers for car insurance.


INSURANCE RATES IN WICHITA BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,749
Male$1,714
Single$1,570
Married$1,570
Divorced$1,714
Widowed$1,668

Learn more about the impact gender and marital status have on insurance rates.



Wichita car insurance costs by citation and accident history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Wichita drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $613 per year versus the city average. A ticket for speeding results in a $306 rate hike while a DWI or DUI violation costs $704per year in extra insurance expenditures.


WICHITA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/ViolationAverage Annual Rate
DUI/DWI$2,419
Reckless Driving$2,328
At-fault Accident (damages less than $1,000)$2,096
At-fault Accident (damages greater than $2,000)$2,450
Speeding Ticket (16-20 mph over speed limit)$2,021

Learn more about the impact of driving violations on car insurance rates.



Wichita car insurance premiums by credit score


An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. Wichita drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 54% on their auto insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Wichita, moving into the "Fair" credit tier corresponds to an average of $1,105 in savings on insurance each year.


WICHITA AUTO INSURANCE PREMIUMS BY CREDIT SCORE
Credit ScoreAverage Annual Rate
Very Poor$3,127
Fair$2,023
Good$1,714
Very Good$1,581
Exceptional$1,452

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



What drives up car insurance rates in Wichita?

Where you live in Wichita affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Wichita is no exception to the rule. From ZIP code 67235 to 67203, premiums rise by 9 percent—that’s $110.

Expensive Wichita ZIP codes: 67211, 67213, 67202, 67214, 67203

Cheap Wichita ZIP codes: 67235, 67212, 67230, 67232, 67226

Wichita Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Wichita, you can expect 84 rainy days with an annual rainfall of 30 inches. Wichita is also known to experience thunderstorms and tornadoes.

84

Rainy Days a Year

30"

Avg. Annual Rainfall

15"

Avg. Annual Snowfall

Be Prepared For

Driving in Wichita

2
Major Highways
I-135 U.S. 54 K-96
2
Public Transit
Wichita Transit Bus
2
Toll Roads
Kansas Turnpike
2
Popular Day Trips
Lake Afton Observatory El Dorado State Park Tanganyika Wildlife Park
2
Parking

City of Wichita Parking

Find Local Wichita Agents

Eck Agency, Inc

540 S Broadway, Wichita, KS 67202

Madrigal & Associates

431 S. Lulu, Wichita, KS 67211

Insurance Partners of Kansas

707 North Waco Ave Suite 101, Wichita, KS 67203

Whitehead Insurance LLC

5112 E Central Ave, Wichita, KS 67208

Cy Wiggans Insurance Agency

257 S Hillside, Wichita, KS 67211

Encompass HR Solutions, Inc.

415 S. Greenwood, Suite 2, Wichita, KS 67211

Fee Insurance Group, Inc.

8301 E 21st St N, Ste 250, Wichita, KS 67206

M & M Insurance

1700 E Douglas, Wichita, KS 67214

Liberty Benefit Consultants, Inc.

240 N. Rock Rd, Suite 107, Wichita, KS 67206

Madrigal & Associates, Inc

431 S Lulu, Wichita, KS 67211

Air Capital Insurance, LLC

125 East 2nd St., Wichita, KS 67202

ICI

250 N. Rock Road, Suite 300K, Wichita, KS 67206

RE Miller Insurance Agency

9415 E Harry St Ste 407, Wichita, KS 67207

Insurance Planning Center, Inc.

7701 E Kellogg Dr #440, Wichita, KS 67207

Insurance Specialist Group, LLC

8415 E. 21st St. N STE 210, Wichita, KS 67206

Insurors, Inc.

9415 E Harry, Bldg 700 Ste 701, Wichita, KS 67207

2

$1,222

The average Wichitan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

196

That's equal to 196 cups of coffee or $489 in savings

See How Much You Can Save in Wichita

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