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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 Average||National Average|
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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 Company||Average Annual Rate|
|Iowa Farm Bureau||$1,233|
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 bracket||Average Annual Rate|
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 Status||Average Annual Rate|
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/Violation||Average Annual Rate|
|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|
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 Score||Average Annual Rate|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Wichita Car Insurance Companies Near Me
Find Local Wichita Agents
Whitehead Insurance LLC
5112 E Central Ave, Wichita, KS 67208
Air Capital Insurance, LLC
125 East 2nd St., Wichita, KS 67202
Madrigal & Associates
431 S. Lulu, Wichita, KS 67211
Insurance Partners of Kansas
707 North Waco Ave Suite 101, Wichita, KS 67203
Insurance Specialist Group, LLC
8415 E. 21st St. N STE 210, Wichita, KS 67206
Eck Agency, Inc
540 S Broadway, Wichita, KS 67202
Fee Insurance Group, Inc.
8301 E 21st St N, Ste 250, Wichita, KS 67206
Liberty Benefit Consultants, Inc.
240 N. Rock Rd, Suite 107, Wichita, KS 67206
Encompass HR Solutions, Inc.
415 S. Greenwood, Suite 2, Wichita, KS 67211
Insurance Planning Center, Inc.
7701 E Kellogg Dr #440, Wichita, KS 67207
Cy Wiggans Insurance Agency
257 S Hillside, Wichita, KS 67211
250 N. Rock Road, Suite 300K, Wichita, KS 67206
9415 E Harry, Bldg 700 Ste 701, Wichita, KS 67207
Madrigal & Associates, Inc
431 S Lulu, Wichita, KS 67211
RE Miller Insurance Agency
9415 E Harry St Ste 407, Wichita, KS 67207
M & M Insurance
1700 E Douglas, Wichita, KS 67214
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.