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 AverageState AverageNational Average
$1,526$1,427$1,427


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
CreditAverage Auto Insurance Rate
Very Poor$2,846
Fair$2,367
Good$1,937
Very Good$1,606
Exceptional$1,340


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
AgeAverage Rate
Teenagers$5,537
20s$2,094
30s$1,485
40s$1,414
50s$1,282
60s$1,299
70s$1,547


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/GenderAverage Rate
Female$1,550
Male$1,526
Single$1,526
Married$1,387
Divorced$1,526
Widowed$1,479


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 ViolationAverage Rate
DUI$2,053
Reckless Driving$2,260
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.

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

Car Insurance Companies in Wichita

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

Insurors, Inc.

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

ICI

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

See All

2

$1,222

The average Wichitan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

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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