What's the Cost of Car Insurance in Wichita?
Premiums in Kansas are relatively similar to national rates. Review our ways to save on Wichita car insurance and save some hard-earned money.
INSURANCE COSTS: WICHITA VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Wichita Auto Insurance by Credit Rating
Drivers with Very Poor credit (300-579) normally pay $1,506 more each year on premiums than those with Exceptional credit (800-850). Drivers will see the biggest percent reduction in premiums when they raise their credit from Fair (580-669) to Good (670-739). That change can save them 18% per year.
WICHITA CAR INSURANCE COSTS BY CREDIT LEVEL
|Credit||Average Auto Insurance Rate|
Wichita Car Insurance Costs by Age
Drivers in their 50s save money on car insurance premiums, as they have the smallest rates among all age groups, paying only $1,282 each year. People in their 60s ($1,299) aren’t paying much more. When drivers reach their 20s in Wichita, therefore moving out of the teenage age range, they pay 62% less in premiums, which is the biggest difference you'll see between any age group. While car insurance premiums for drivers will continue to drop through their 50s, they should anticipate an increase when they turn 60. With average payments of $5,537, teenage drivers pay the most in car insurance premiums.
WICHITA AUTO INSURANCE PREMIUMS BY DRIVER AGE
Wichita Car Insurance by Gender and Marital Status
In Wichita, both marital status and gender play a role in your auto insurance premiums. Did you know that in your city marital status can actually change your premiums substantially? Being single, as opposed to married, can cost you $139 more per year on car insurance. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Premiums for men and women typically differ by 2%, with men paying less.
WICHITA AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Wichita Auto Insurance With Accidents or Violations
Maintaining an untainted driving record is key to keep your insurance premiums low. In Wichita, drivers with a DUI need to spend $527 more than the city average to insure their vehicle. Reckless driving will drive your premiums up as well, with typical rates of $2,260. That is 48% higher than the city average. Being at-fault in an accident costs drivers an additional 39% per year in premiums compared to the city average.
AVERAGE WICHITA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Rate|
|At-fault Accident (damages less than $1,000)||$2,124|
|At-fault Accident (damages greater than $2,000)||$2,124|
|Speeding Ticket (16-20 mph over speed limit)||$1,847|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Wichita Agents
Cy Wiggans Insurance Agency
257 S Hillside Wichita, KS 67211
RE Miller Insurance Agency
9415 E Harry St Ste 407 Wichita, KS 67207
Air Capital Insurance, LLC
125 East 2nd St. Wichita, KS 67202
Insurance Specialist Group, LLC
8415 E. 21st St. N STE 210 Wichita, KS 67206
Insurance Planning Center, Inc.
7701 E Kellogg Dr #440 Wichita, KS 67207
Whitehead Insurance LLC
5112 E Central Ave Wichita, KS 67208
Encompass HR Solutions, Inc.
415 S. Greenwood, Suite 2 Wichita, KS 67211
Madrigal & Associates
431 S. Lulu Wichita, KS 67211
M & M Insurance
1700 E Douglas Wichita, KS 67214
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
9415 E Harry, Bldg 700 Ste 701 Wichita, KS 67207
Insurance Partners of Kansas
707 North Waco Ave Wichita, KS 67203
Madrigal & Associates, Inc
431 S Lulu Wichita, KS 67211
Eck Agency, Inc
540 S Broadway Wichita, KS 67202
250 N. Rock Road, Suite 300K Wichita, KS 67206
The average Wichitan's annual cost of coverage
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