Wichita, KS Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Wichita.
How much does car insurance cost in Wichita?
Car insurance in Wichita costs an average of $918 for a six-month policy or $153 per month on average. In 2023, our data shows Nationwide is the cheapest car insurance company in Wichita with rates at $637 for a six-month policy.
Wichita locals contend with above-average car insurance expenditures in comparison to the average costs prevailing in Kansas ($894 over six months) and exceed the nationwide average of $880. According to our customers, 35% of them are currently paying too much for car insurance. Whether you agree, or just need more information to make an educated decision regarding your car insurance, peruse further to gain a comprehensive understanding of an equitable rate in Wichita, taking into account vital factors such as credit score, coverage level, and more.
| Car Insurance in Wichita vs. Kansas | Avg. 6 Mo. Premium |
|---|---|
| Kansas Average | $894 |
| Wichita Average | $918 |
The cheapest car insurance companies in Wichita
Nationwide is the cheapest at $106 per month or $637 for a six-month policy.
In second place is USAA, which costs $109 per month ($655 for a six-month policy).
Rounding out the list is GEICO as the third-cheapest insurance company. On average, a GEICO policy in Wichita costs $667 per six-month policy, or $111 per month.
The Zebra's key takeaways about car insurance in Wichita:
- The average cost of a car insurance policy in Wichita is $918 per six-month policy — $153 per month.
- The cheapest company in Wichita is Nationwide ($106/month).
- 35% of Zebra customers in Wichita stated they used our product because they were paying too much for car insurance.
Are you paying too much for auto insurance?
Wichita car insurance rates by company
As per our 2023 data, Wichita residents can turn to Nationwide for the most budget-friendly full-coverage car insurance. The average monthly premium amounts to $106, with a six-month policy costing $637. USAA takes the runner-up spot by offering coverage at $109 per month or $655 for a six-month policy. Enhance your understanding of the best-rated car insurance companies through The Zebra's Customer Satisfaction Survey.
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Cheapest car insurance companies in Wichita, KS
| Company | Avg. 6 Mo. Premium |
|---|---|
| Nationwide | $637 |
| USAA | $655 |
| GEICO | $667 |
| State Farm | $683 |
| Farm Bureau Mutual (IA Group) | $685 |
| Progressive | $976 |
| Allstate | $1,258 |
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
Identifying the most economical car insurance coverage entails a meticulous comparison process. Our comprehensive assessment will carry out the legwork on your behalf, streamlining the task. By providing your ZIP code, you gain access to a wide range of rates from Progressive, State Farm, GEICO, and Nationwide (in conjunction with other top-tier companies) to pinpoint the most advantageous and cost-effective car insurance options in Wichita.
Average car insurance in Wichita by rating factor
Within the domain of insurance, a comprehensive evaluation of rating factors for each potential policyholder is conducted. These rating factors encompass a range of particulars pertaining to your personal profile, playing a significant role in assessing the level of risk you present to the insurance company and thereby establishing a benchmark for fair premiums. Common rating factors include age, geographical location, credit score, and driving record. Since certain aspects of these factors may undergo changes over time, the most suitable insurance company for you might also evolve. Obtaining quotes at regular intervals will provide insights into whether you are still accessing the most favorable rates in Wichita.
Q: I didn't have an accident — Why is my insurance going up?
A: The factor of utmost importance in calculating your car insurance premiums in Wichita is the annual earnings (which compare the revenue generated by premiums against the expenses incurred for settling policyholders' claims). It is crucial to recognize that irrespective of your claims history, you may still encounter higher costs with a specific insurance company due to the rise in business expenditures that Wichita entails.
Auto insurance premiums by age in Wichita
When it comes to rating policies, insurance companies place great emphasis on a crucial factor: the driver's age. Within the insurance realm, age is closely associated with the number of years spent behind the wheel, which correlates with driving experience. Less experience on the road translates to a heightened risk of accidents and subsequent claims. As a result, it's hardly surprising that teenage drivers bear the brunt of the highest insurance premiums. In Wichita, the discrepancy in rates paid by teenage drivers and those in their 20s amounts to a striking $3,308 per year, signifying the most substantial variation observed between any two age groups when acquiring a new car insurance policy.
It is worth noting that, within the insurance industry, risk management serves as the core objective for companies. By implementing higher premiums for teenage drivers, they can effectively offset the amplified costs associated with claim payments. Consequently, it is essential to comprehend that this practice is driven by business rationale rather than personal motivations.
Cheapest car insurance companies for teen drivers in Wichita, KS
| Company | Avg. 6 Mo. Premium |
|---|---|
| Farm Bureau Mutual (IA Group) | $1,779 |
| Nationwide | $1,863 |
| GEICO | $1,944 |
| State Farm | $2,428 |
| USAA | $2,510 |
| Allstate | $3,638 |
| Progressive | $4,246 |
| Age Bracket | Company | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Nationwide | $809 |
| 30s | Nationwide | $697 |
| 40s | Nationwide | $564 |
| 50s | Nationwide | $515 |
| 60s | Nationwide | $490 |
| 70s | Nationwide | $536 |
Zebra Tip:Â The cheapest companies for Wichita drivers between 20-40 are State Farm, Farm Bureau Mutual and Nationwide
In Wichita, the majority of drivers belong to the 20-40 age group. On average, individuals within this category are charged $1,042 for a six-month policy. By electing to partner with one of these insurance companies, members of this cohort have the opportunity to achieve savings of up to 30%.
Auto insurance premiums for minimum coverage in Wichita
When it comes to car insurance in Wichita, the level of coverage you opt for exerts a substantial impact on your rates. The greater the extent of protection you choose, the higher the premiums you'll be obliged to pay. Based on our data, about 38% of drivers in Wichita have minimum coverage. While this may fulfill the legal requirements in several scenarios, relying solely on this level of coverage can potentially leave you vulnerable to being underinsured.
Wichita motorists often gravitate towards a comprehensive insurance package widely known as "full coverage." This all-encompassing option comprises collision coverage and comprehensive coverage, frequently required by lending institutions for individuals with leased or financed vehicles. Each of these choices entails a deductible, providing you with the option to opt for a higher deductible in exchange for a lower monthly premium.
When it comes to car insurance in Wichita, you might think about adding sought-after supplementary features like roadside assistance or uninsured motorist coverage to enhance the safeguarding of both you and your vehicle. Despite the fact that incorporating these coverages will lead to an increase in premiums, it is important to highlight that The Zebra's experts recommend considering them as part of your policy.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
Should you choose to lease or finance your car, it is likely that specific coverage requirements will be imposed. However, if you fully own your vehicle, it is worthwhile to assess the necessity of comprehensive or collision coverage. We suggest referring to reputable sources such as Kelley Blue Book to accurately determine the actual cash value of your car. Typically, if the value is less than $4,000, it may be reasonable to consider removing collision coverage. It is important to note that by eliminating collision coverage, you assume the potential responsibility for repair costs in the event of an accident.
Cheapest car insurance companies for minimum coverage in Wichita, KS
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $159 |
| Farm Bureau Mutual (IA Group) | $189 |
| USAA | $197 |
| Nationwide | $198 |
| State Farm | $220 |
| Progressive | $330 |
| Allstate | $390 |
38% of our customers in Wichita opt for minimum coverage, but this may not be the best option for everyone. While we understand state minimum or basic coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Kansas' 25/50/25 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $25,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.
Learn more about insurance laws in Kansas.
Wichita car insurance rates by credit score
In Kansas, similar to most other states, car insurance companies take into account a driver's credit score when determining policy ratings. This longstanding practice stems from the well-established relationship between credit scores and claims frequency. A thorough analysis of data indicates that individuals with lower credit scores exhibit a higher propensity for filing claims, experiencing lapses in coverage, and engaging in risky driving behaviors. Consequently, those with poor credit find themselves facing higher premiums as a result of the inherent association between creditworthiness and increased risk.
Notably, Wichita drivers plagued by unfavorable credit scores (300-579) face a substantial 99% hike in premiums relative to those boasting exceptional credit (800-850). Based on our data, 40% of drivers in Wichita enjoy a credit score categorized as average (580-679). In 2023, GEICO emerges as the most budget-friendly alternative for Wichita drivers grappling with less-than-desirable credit.
Cheapest car insurance companies for bad credit in Wichita, KS
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $855 |
| Nationwide | $951 |
| USAA | $1,196 |
| Farm Bureau Mutual (IA Group) | $1,271 |
| Progressive | $1,641 |
| State Farm | $1,692 |
| Allstate | $1,769 |
Zebra Tip: If you recently improved your credit score, shop around for car insurance!
In Wichita, our analysis demonstrates that drivers with "Fair" credit pay $960 less annually for car insurance compared to drivers with "Poor" credit. If you've recently completed the repayment of a loan or taken steps to enhance your creditworthiness, it would be wise to consult your preferred credit monitoring software to determine whether these recent actions have the potential to result in savings on your car insurance.
Auto insurance rates with an at-fault accident
At-fault and collision-type accidents constitute the prevalent form of insurance claims. Our 2023 figures demonstrate that an at-fault accident escalated the average Wichita insurance rate by anywhere from $42 to $74 per month. State Farm emerges as the least expensive company in Wichita after an at-fault accident.
If you aspire to maintain low auto insurance rates, it is imperative to possess an unblemished driving history and make every effort to evade accidents. Any violation, including receiving a speeding ticket, facing charges for reckless driving, or being convicted of a DUI, will invariably lead to an increase in premiums. The duration for which your insurance is affected spans from three to five years, contingent upon the seriousness of the citation.
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Cheapest car insurance companies after an at-fault accident in Wichita, KS
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $847 |
| USAA | $928 |
| Nationwide | $1,031 |
| Farm Bureau Mutual (IA Group) | $1,046 |
| GEICO | $1,055 |
| Progressive | $1,447 |
| Allstate | $1,737 |
Wichita car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Wichita.
Car insurance rate increases after violations and citations in Wichita, KS
Why is car insurance in Wichita so expensive?
In Wichita, car insurance rates surpass the state of Kansas's average prices well as the national average. The city's population density and the high cost of repairs are contributing elements to the rates. Nonetheless, personal factors like your driving history or the demographic you fall into can exert a noteworthy influence on your premium. Here's an outline of why car insurance can be pricy in Wichita.
Your car insurance rates can be affected by the neighborhood where you reside in Wichita. While personal factors like your driving history and demographics are crucial in determining the cost of your premiums, the area you live in also plays a part.
Crime rates, instances of theft, and the presence of uninsured drivers can differ across various ZIP codes, making certain parts of the city more risky for insurance companies. If you happen to live in a high-crime area, it is probable that you will be charged higher car insurance rates compared to someone residing in a safer neighborhood.
Expensive Wichita ZIP codes:Â 67276, 67214, 67211, 67213, 67218
Cheap Wichita ZIP codes:Â 67235, 67227, 67228, 67226, 67230
Weather-related damage can and has bankrupted insurance companies. Kansas is no stranger to extreme weather such as hail, and Wichita in particular — located in tornado alley — carries an outsized share of those risks. Not only did Kansas rank #6 for states with the most tornado damage in 2022, but the state also ranked #5 with the most hail events.[1]Â
Damage to your vehicle caused by flooding is covered under your comprehensive coverage. If you have a new or nice vehicle, we definitely recommend considering comprehensive coverage as part of your Wichita car insurance policy.
With more cars on the road, more accidents are inevitable. The costs of accident-related claims are typically passed along to other drivers in the area through higher premiums — even for safe or occasional drivers.
According to our data, about 32% of drivers in Wichita are not currently insured — one of the highest percentages in the state. If you’re hit by an uninsured driver in Wichita, you could be left paying for the damage yourself.
Zebra Tip: Comprehensive coverage and uninsured property damage coverage are good to have in Kansas
Comprehensive coverage encompasses damages resulting from weather events, encounters with animals, and instances of vandalism. If you happen to own a new or high-value vehicle, it is highly advisable to seriously consider incorporating comprehensive coverage into your Wichita car insurance policy.
Moreover, in areas or ZIP codes characterized by a high incidence of uninsured drivers, we strongly recommend securing uninsured motorist coverage (also referred to as UMPD). This type of coverage provides crucial assistance in situations where you or your vehicle suffer harm due to an underinsured or uninsured driver. With a lower deductible and more affordable premiums compared to collision coverage, the rate increase following a UMPD claim can save you hundreds of dollars.
Bundling insurance policies in Wichita
The national landscape witnesses a surge in car insurance prices, casting a shadow of concern over motorists in Wichita, who must contend with ever-increasing average rates. However, in this challenging climate, options for cost savings can still be found. Insurance companies frequently extend the multi-policy discount, also known as the "bundling" discount. By consolidating your auto insurance with your home or renters insurance under one provider, you gain access to this attractive discount. Some companies offer savings of up to 10% on combined premiums. Deepening your understanding of the interplay between bundled home and car insurance can prove invaluable.
If you currently possess separate policies for your home and car, it would be wise to invest effort in perusing various alternatives to determine whether merging these policies holds the potential to generate cost savings. Engaging in such an assessment is more than likely to be a rewarding endeavor, potentially yielding substantial financial advantages.
Cheapest car insurance companies for bundling home and auto insurance in Wichita, KS
| Company | Avg. 6 Mo. Premium |
|---|---|
| Nationwide | $493 |
| State Farm | $547 |
| Farm Bureau Mutual (IA Group) | $578 |
| USAA | $626 |
| GEICO | $634 |
| Progressive | $870 |
| Allstate | $1,063 |
While drivers may not be able to control each aspect of their insurance rate, they do possess the capacity to optimize their profiles and enhance their appeal to insurers. Our foremost advice centers around diligent research and thorough comparison of auto insurance quotes from many companies.
This approach can help you find an affordable rate that balances the right coverage and excellent service. In instances where personal factors have undergone alterations, such as a change in residence, a milestone birthday, or an enhancement in your credit, it's especially important to get updated quotes. Also remember that despite your efforts, certain companies inherently have a higher cost than others; So it's crucial to shop around and keep an eye out for the best options.
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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.