What drives up car insurance rates in Wichita?
Car Insurance in Wichita
On average, Wichita premiums exceed the state average by $99. Why don't we get started on how to save on car insurance in Wichita?
- City Average: $1,526
- State Average: $1,427
- National Average: $1,427
Wichita Car Insurance by Gender and Marital Status
Car insurance premiums in Wichita vary based on driver attributes such as marital status and gender. Premiums are more costly for women than for men. Women usually pay $24 more than men each year for insurance. In your city, marital status actually has a substantial impact on premiums. Married individuals save roughly 9% per year on car insurance compared to those who are single. Rates for those who are widowed are moderately cheaper than rates for those who are single.
- Female: $1,550
- Male: $1,526
- Single: $1,526
- Married: $1,387
- Divorced: $1,526
- Widowed: $1,479
Wichita Car Insurance by Age
The biggest drop in premiums for Wichita drivers happens when they reach their 20s. Once out of the teenage age bracket, individuals save an average of 62% on car insurance. When drivers turn 60, they will experience a premium increase related to their age for the first time. When you look across all age groups, drivers in their 50s have the smallest rates. Their rates usually average $1,282/year. Those in their 60s ($1,299) also have relatively low premiums. Car insurance premiums are highest for teenage drivers, with typical payments of $5,537 per year.
- 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 Credit Rating
Average car insurance premiums in Wichita for those with Very Poor credit (300-579) are more than twice the premiums for those with Exceptional credit (800-850). Drivers will see the largest percent drop in premiums when they boost their credit from Fair (580-669) to Good (670-739). That change can save them 18% per year.
- Very Poor: $2,846
- Fair: $2,367
- Good: $1,937
- Very Good: $1,606
- Exceptional: $1,340
Wichita Car Insurance by Accident or Violation History
Does your driving record show a history of accidents or violations? That can have an impact on your car insurance premiums. Reckless driving will increase your car insurance premiums more than other driving violations. In Wichita, drivers with a DUI have rates 35% greater than the city average ($1,526). Reckless driving will bump your premiums up as well, with typical rates of $2,260, which are 48% higher than the city average. Even among safe drivers, accidents happen, so be prepared and learn what one can do to your rates. Being at-fault in an accident can cost drivers an extra 39% per year to insure your vehicle in Wichita.
- DUI: $2,053
- Reckless Driving: $2,260
- At-fault Accident (damages less than $1000): $2,124
- At-fault Accident (damages greater than $2000): $2,124
- Speeding Ticket (16-20 mph over speed limit): $1,847
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
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
9415 E Harry, Bldg 700 Ste 701 Wichita, KS 67207
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
Eck Agency, Inc
540 S Broadway Wichita, KS 67202
250 N. Rock Road, Suite 300K Wichita, KS 67206
Insurance Partners of Kansas
707 North Waco Ave Wichita, KS 67203
Madrigal & Associates
431 S. Lulu Wichita, KS 67211
Encompass HR Solutions, Inc.
415 S. Greenwood, Suite 2 Wichita, KS 67211
M & M Insurance
1700 E Douglas Wichita, KS 67214
Madrigal & Associates, Inc
431 S Lulu Wichita, KS 67211
Cy Wiggans Insurance Agency
257 S Hillside Wichita, KS 67211
Air Capital Insurance, LLC
125 East 2nd St. Wichita, KS 67202
RE Miller Insurance Agency
9415 E Harry St Ste 407 Wichita, KS 67207
Whitehead Insurance LLC
5112 E Central Ave Wichita, KS 67208
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Wichita Car Insurance
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