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A.M. Steinbach is a Brooklyn-based writer, editor, and content marketing strategist who has been writing for Compare.com since 2023. He's an expert in breaking down a diverse range of insurance topics into crisp, readable content.
A.M. has worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches more than 250,000 daily readers, and other notable publications.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Wichita drivers pay an average of $185 per month for a full-coverage auto insurance policy, according to Compare.com data. But savvy shoppers can find a great deal — as low as $130 per month — by choosing the right insurer.
CSAA, Root, and Safeco are just a few of the auto insurers offering Wichita drivers affordable rates. In this guide, we’ll explore the cheapest auto coverage options and lay out some strategies for saving on car insurance.
CSAA offers the cheapest car insurance policies in the city, with an average cost of $76 per month.
Wichita drivers pay averages of $96 per month for liability-only auto insurance and $185 per month for full coverage.
Kansas is a no-fault state, so you must buy uninsured/underinsured motorist coverage in addition to liability insurance.
Location  | Average Monthly Premium: Liability Insurance | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Wichita | $96 | $185 | $141 |
| Kansas | $83 | $164 | $123 |
| National average | $106 | $194 | $150 |
Wichita drivers pay an average of $96 per month for liability-only insurance and $185 per month for full coverage. But average rates only scratch the surface — your unique driver profile determines your actual rate. Your age, ZIP code, driving history, and choice of vehicle are just a few rating factors car insurance companies use to calculate your rates.
Let’s explore the cheapest car insurance companies in Wichita.
Compare personalized quotes from Wichita’s top insurers.
Even though Wichita’s average car insurance rate is $141 per month, you can still save by comparing insurance quotes from different insurers and finding a rate that fits your budget.
The following table lists the five cheapest auto insurers in Wichita and each company’s average monthly premium, based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| CSAA | $76 |
| Root | $76 |
| Safeco | $87 |
| Dairyland | $94 |
| National General | $94 |
| Bristol West | $99 |
| Direct Auto | $116 |
| The General | $116 |
| Liberty Mutual | $127 |
CSAA offers the cheapest car insurance in Wichita, with an average cost of $76 per month.
Now, let’s break down the best Wichita car insurance companies for different types of drivers. First, we’ll focus on the insurer offering the best overall value.
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No company is the single “best” insurance company — the best insurer for you will depend on your specific driver profile and needs. When choosing the three companies below, we considered average rates, discounts, customer reviews, and coverage options.
Here are the best insurers in Wichita across three different categories.
Compare.com Rating: 4.59 out of 5
Among the lowest rates overall in Wichita
Popular telematics program
Savings for safe drivers
Mixed customer reviews
Limited discount options
Low J.D. Power score
Safeco offers some of the cheapest liability insurance policies of any insurer in Wichita, according to Compare.com data. It’s also often among the cheapest options across age categories and driver histories. You can save even more when you participate in Safeco’s RightTrack telematics program, which rewards safe drivers with up to $513 in savings per year.
Safeco’s discount options might be underwhelming for some drivers — though the company takes up to 5% off your premium if you go claims-free for a year.
Compare.com Rating: 4.57 out of 5
Cheap full-coverage policies in Wichita
Diverse coverage options
Many available discounts
Liability-only insurance isn’t a great value
Low J.D. Power score
Above-average rate of customer complaints
Travelers’ average rate for full-coverage insurance is among the lowest in Wichita. Though Travelers isn’t necessarily the cheapest option for liability-only insurance, customers looking for collision coverage, comprehensive coverage, and other coverage options can often save by choosing Travelers.
But it’s also worth noting that Travelers has mixed reviews from customers on the Better Business Bureau (BBB) site and has an above-average volume of complaints on the National Association of Insurance Commissioners (NAIC) Complaint Index.
Compare.com Rating: 4.62 out of 5
Above-average J.D. Power score
Discounts for safe drivers
Telematics program helps safe drivers save
Not the cheapest option in Wichita
Relatively expensive full-coverage options
Above-average rate of customer complaints
While Liberty Mutual doesn’t necessarily have the most affordable rates in Wichita, its RightTrack telematics program and safe driving discounts can help drivers who avoid accidents lower their rates. Drivers who go a certain amount of time without a violation or a claim can save when they choose Liberty Mutual.
Compare personalized quotes from Wichita’s cheapest companies.
Your coverage level affects your car insurance rates — a liability-only policy at the state-minimum limits is the cheapest option, while robust full coverage is more expensive. Liability insurance covers the other driver’s medical bills and vehicle repairs if you cause an accident — but not your own costs.
The chart below shows the cheapest companies in Wichita for liability insurance and average monthly premiums.
Now, let’s explore the cheapest full-coverage insurance options in Wichita.
Full-coverage insurance includes collision coverage and comprehensive coverage, along with liability insurance. Collision insurance covers damage to your own vehicle after a car accident, while comprehensive insurance covers your vehicle’s damage after a non-collision event, such as severe weather or vandalism.
Full coverage is a good idea if you drive a new or expensive vehicle — though these robust policies are typically more expensive. Luckily, Wichita has some affordable full-coverage options — the cheapest insurers in the city are listed below.
While the companies shown above are a great place to start, your individual rates will likely be different, based on factors like your age and driving record. We’ll explore each of those in more detail below.
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Your driving record is one of the most significant factors in your car insurance rates. On average, drivers who avoid accidents and traffic violations pay lower rates.
The following table explores how your driving history can affect rates in Wichita and the cheapest insurer for each violation.
Driving Record | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $141 | CSAA | $76 |
| Speeding ticket | $214 | CSAA | $105 |
| At-fault accident | $209 | CSAA | $109 |
| DUI | $237 | Root | $115 |
Let’s get more specific and break down the cheapest car insurance company in Wichita by violation.
Getting a speeding ticket raises your rates by 27% on average, according to Compare.com data. CSAA is the cheapest option in Wichita for drivers with a speeding ticket on their record, with an average rate of $105 per month.
An at-fault accident on your record raises your rates by 37% on average, according to Compare.com data. Insurers see you as a greater risk for future accidents if you already have one on your record, so they raise your rates to manage that risk.
CSAA is the cheapest option for Wichita drivers with a recent accident, at $109 per month.
Driving under the influence (DUI) is one of the most serious traffic violations. DUIs raise your rates by 50% on average, according to Compare.com data. Insurers may classify you as a high-risk driver after a DUI, which leads to higher insurance costs.
Root is the cheapest auto insurance in Wichita for drivers with DUIs, with an average rate of $115 per month.
Age is another factor that affects car insurance rates. Insurers see younger drivers as more risky because of their lack of driving experience and higher likelihood of causing accidents. Young drivers pay higher rates, but rates go down as you age and increase slightly around your 70s.
Here are the average rates in Wichita by age, as well as each age group’s cheapest insurer.
Age Group | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $275 | Root | $125 |
| 40s | $125 | CSAA | $70 |
| Seniors | $106 | CSAA | $55 |
Now that we know how rates vary by age in Wichita, let’s take a closer look at rates for teen drivers.
Teen drivers pay the highest monthly premiums in Wichita, at $275 per month on average. This age group has a higher crash rate than other drivers, which is why they pay higher rates. Staying on your parents’ insurance, qualifying for good student discounts, and choosing a safe car are a few ways teens can save on car insurance.
Root is the cheapest car insurance in Wichita for teens, at $125 per month, according to our analysis.
Wichita seniors pay some of the cheapest rates in the city, at $106 per month. Your rates decrease as you approach retirement because you’ll generally drive less — which means fewer opportunities for an accident.
CSAA is the cheapest car insurer for senior drivers in Wichita, with average rates of $55 per month, based on our data.
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Kansas law requires drivers to purchase minimum amounts of liability insurance. YouDrivers must meet the following minimum -coverage requirements:
$25,000 per person in bodily injury liability insurance
$50,000 per accident in bodily injury liability insurance
$25,000 per accident in property damage liability insurance
Kansas is also a no-fault state, which means both drivers file bodily injury claims with their own insurer after an accident, regardless of fault. Like many no-fault states, Kansas requires drivers to buy:
$25,000 per person in uninsured/underinsured motorist coverage
$50,000 per accident in uninsured/underinsured motorist coverage
You’ll also need to purchase personal injury protection (PIP), which Kansas’s official insurance site outlines in more detail.
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Wichita drivers can save on car insurance with the following strategies:
Finding discounts: Most car insurance companies offer discounts. Talk to your insurance agent to see what you qualify for. Many insurers offer discounts when you bundle car insurance with homeowners insurance or life insurance.
Choose a safe car: Vehicles with high safety standards and advanced safety features are typically cheaper to insure.
Maintain good credit: Car insurance companies offer better rates to drivers with high credit scores.
Raise your deductible: Generally, a higher deductible means you’ll pay lower monthly insurance premiums — but make sure you can afford the extra costs if you file a claim.
Compare quotes: Getting car insurance quotes from at least three insurance companies and comparing them can help you find the cheapest rates.
Compare personalized quotes from the cheapest insurers in Wichita.
Here are answers to some commonly asked questions about car insurance in Wichita.
CSAA is Wichita’s cheapest insurance company, at $76 per month, according to Compare.com data. But remember, the best auto insurance companies aren’t always the cheapest.
Drivers pay an average of $141 per month for car insurance in Wichita, according to Compare.com data. Liability insurance and full-coverage rates are $96 and $185 per month, respectively.
Kansas requires drivers to purchase $25,000 in bodily injury liability insurance per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability insurance per accident.
The state also requires drivers to have $25,000 in uninsured/underinsured motorist coverage per person, $50,000 in uninsured/underinsured motorist coverage per accident, and personal injury protection.
If an officer catches you driving without insurance in Wichita, you will need to pay a fine of $300 to $1,000 for a first offense. The state will also suspend your license until you secure proof of insurance and pay a reinstatement fee.
Root offers the cheapest car insurance in Kansas for full coverage, at $113 per month, according to our data.
Kansas Insurance Department, “Auto Insurance,” accessed November 26, 2024.
NOLO, “Kansas No-Fault Car Insurance,” accessed November 26, 2024.
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed November 26, 2024.
Triple-I, “What determines the price of an auto insurance policy?,” accessed November 26, 2024.
Insurance Institute for Highway Safety, “Fatality Facts 2021: Teenagers,” accessed November 26, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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A.M. Steinbach is a Brooklyn-based writer, editor, and content marketing strategist who has been writing for Compare.com since 2023. He's an expert in breaking down a diverse range of insurance topics into crisp, readable content.
A.M. has worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches more than 250,000 daily readers, and other notable publications.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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