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 Average||State Average||National Average|
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 Quality||Average Auto Insurance Rate|
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/Incident||Average Annual Premium|
|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/Gender||Average Rate|
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
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
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
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
9415 E Harry, Bldg 700 Ste 701 Wichita, KS 67207
Air Capital Insurance, LLC
125 East 2nd St. Wichita, KS 67202
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