Cheap Auto Insurance Quotes in Wichita, KS (2023)

As the largest city in Kansas with close to 400,000 residents, Wichita roads are busy. Drivers here have been named some of the worst in the nation, as they are said to merge at the last minute, drive without using turn signals, and cause traffic jams due to rubbernecking at the scene of a collision. Due to the risks of driving on Wichita roads, it’s recommended that you enroll in a comprehensive auto insurance policy in the event of an accident.

Car Insurance in Wichita, KS

The average cost of Kansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Wichita, KS to find you the cheapest quotes in the area.

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• Cheap Car Insurance Kansas

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Cheapest Car Insurance in Wichita, KS

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Wichita, KS

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Wichita. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Kansas

All motor vehicles operated or parked on Kansas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Kansas^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Kansas is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $4,500 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $25,000 per person for uninsured/underinsured motorist bodily injury

• $50,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Kansas, this coverage covers both categories of drivers.

Wichita Car Insurance Rates by Driver Age

While the majority of drivers in Wichita are under 50 years of age, those who are older than 50 get to enjoy the lowest car insurance rates around. The cheapest price of $128 is granted to motorists in their 60s, while drivers under the age of 20 pay more than three times this rate, at an average of $431. Premiums fluctuate as you age, but in general, rates do go down for drivers as their experience on the road increases.

Wichita Car Insurance Rates by Driving and Accident History

Driving recklessly in Wichita will certainly impact your car insurance rates, as moving violations are taken seriously here. Individuals with a clean driving record pay $208 on average and are charged an additional $60 after an at-fault accident is added to their history. A speeding ticket pushes premiums up to the $284 range, and a failure-to-stop violation tends to be the most expensive, at an average of $296.

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• High-risk Car Insurance Kansas

• DUI Car Insurance Kansas

Wichita Car Insurance Rates by Credit Tier

Although some factors will heavily influence your car insurance prices in Wichita, your credit rating isn’t one of them. Typically, drivers will get to enjoy a bit of savings as their credit score improves, but the differences here are minimal. Drivers with poor credit tend to pay an average of $219, while those with average and good scores pay $226 and $224, respectively. Even those with excellent credit are charged $220 a month on average.

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Wichita, KS DMV Information

Wichita features only one actual DMV office, with several miscellaneous tag offices close by. Unfortunately, this DMV location is one of the few in the entire state, making it a popular destination for many who live in outlying areas. It’s been described as very disorganized, so if you have to visit, allow ample time.

Public Transportation in Wichita, KS

By all accounts, it sounds like owning a vehicle in Wichita can be troublesome, but thankfully, you can still get around the city via several public transit options. There are 18 bus routes that extend throughout the city but only run six days per week. Rideshare options like Lyft and Uber are plentiful and quick trips in the downtown area can be accomplished using the Q-Line Trolley. Bikesharing is also becoming a popular option during nice weather.

For more detailed Kansas city level guides, check out these below.

• Average Cost of Car Insurance Rates in Kansas

• DUI Car Insurance Rates in Kansas

• High-Risk Driver Car Insurance Rates in Kansas

• Kansas Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Kansas

• SR-22 Insurance in Kansas

Most Patriotic City ¶ Wichita ¶ Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans. ¶ Topeka won Insurify's Most Patriotic Cities Award for the state of Kansas. Topeka’s Monroe School, which was at the center of the landmark Supreme Court case Brown v. Board of Education (1954), is now a national park.

How to get the best and cheapest car insurance in Wichita, KS

Between dangerous drivers and long lines at the DMV, owning a vehicle in Wichita can be expensive and time-consuming. However, you don’t have to waste money on overpriced insurance policies, as Kansas residents could find they are eligible for discounts and lower rates based on good driving habits.

Drivers who are price shopping can head to Insurify and, after answering a few questions, compare real-time quotes from multiple companies. You may not be able to control others on the road, but at least you can control how much you pay for car insurance.

FAQs - Wichita, KS Car Insurance