What's the Cost of Car Insurance in Wichita?


Premiums in Wichita, which are 6% greater than Kansas' average, are known for being costly. Therefore it is crucial to cut costs while insuring a vehicle in Wichita. Let's compare car insurance costs in Wichita versus premiums across the nation.


CAR INSURANCE RATES: WICHITA VS. STATE/NATIONAL AVERAGES
City AverageState AverageNational Average
$1,571$1,475$1,569


Wichita Auto Insurance by Credit Level


Improving your credit can save you a sizable amount of money. Those in the top credit tier (800-850) save an average of $1,622 every year on premiums compared to those in the bottom tier (300-579). Drivers can save an average of $1,093 per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).


WICHITA AUTO INSURANCE RATES BY CREDIT TIER
Credit QualityAverage Auto Insurance Rate
Very Poor$2,958
Fair$1,864
Good$1,571
Very Good$1,452
Exceptional$1,336


Wichita Auto Insurance After an Accident or Moving Violation


Do you realize by how much an at-fault accident or violation can raise your car insurance rates? $597 is the additional cost per year for drivers with a DUI in Wichita, compared to the city average of $1,571. Reckless driving will push your rates up as well, with typical rates of $2,151. Speeding 16-20mph over the speed limit can drive up your car insurance premiums. People with a speeding ticket on their driving record usually pay $284 more per year.


AVERAGE WICHITA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Premium
DUI$2,168
Reckless Driving$2,151
At-fault Accident (damages less than $1,000)$1,857
At-fault Accident (damages greater than $2,000)$2,202
Speeding Ticket (16-20 mph over speed limit)$1,855


Wichita Auto Insurance by Gender and Marital Status


Car insurance premiums in Wichita vary based on driver characteristics such as gender and marital status. Being married, as opposed to single or divorced, can save you roughly $140 per year. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Premiums are cheaper for men. Men normally pay 2% less than women each year for insurance.


WICHITA AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,598
Male$1,571
Single$1,571
Married$1,433
Divorced$1,571
Widowed$1,518


Wichita Auto Insurance Rates by Age Bracket

When you look across all age groups, drivers in their 50s tend to have the lowest rates. Their rates normally average $1,317. However, those in their 60s ($1,330) aren’t paying significantly more. Car insurance premiums are highest for teenage drivers, with rates that average $5,646 per year. Drivers in Wichita see the greatest drop in premiums when they reach their 20s, as they save an average of $4,329 from moving out of the teenage age range. Car insurance premiums continue to trend downward up until drivers turn 60.


WICHITA AUTO INSURANCE PREMIUMS BY AGE
AgeAverage Rate
Teenagers$5,646
20s$2,150
30s$1,527
40s$1,454
50s$1,317
60s$1,330
70s$1,507


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Wichita, you can expect 84 rainy days with an annual rainfall of 30 inches. Wichita is also known to experience thunderstorms and tornadoes. You can check on the condition of the roads anytime here.

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

Find Local Wichita Agents

Insurance Partners of Kansas

707 North Waco Ave Wichita, KS 67203

Madrigal & Associates

431 S. Lulu Wichita, KS 67211

Eck Agency, Inc

540 S Broadway Wichita, KS 67202

M & M Insurance

1700 E Douglas Wichita, KS 67214

Encompass HR Solutions, Inc.

415 S. Greenwood, Suite 2 Wichita, KS 67211

ICI

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

Fee Insurance Group, Inc.

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

RE Miller Insurance Agency

9415 E Harry St Ste 407 Wichita, KS 67207

Cy Wiggans Insurance Agency

257 S Hillside Wichita, KS 67211

Madrigal & Associates, Inc

431 S Lulu Wichita, KS 67211

Insurance Planning Center, Inc.

7701 E Kellogg Dr #440 Wichita, KS 67207

Liberty Benefit Consultants, Inc.

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

Insurance Specialist Group, LLC

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

Whitehead Insurance LLC

5112 E Central Ave Wichita, KS 67208

Insurors, Inc.

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

Air Capital Insurance, LLC

125 East 2nd St. Wichita, KS 67202

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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Recent Questions:

Wichita Car Insurance

If my laptop was stolen from my car, how do I get it replaced?

Your personal items should be covered by your renters insurance policy; even inside your vehicle. Keep in mind that your renters deductible will be subtracted from the amount you receive for your computer.