The Cheapest Auto Insurance in Wichita in 2024

Wichita drivers pay an average of $150 per month for auto insurance, according to Compare.com data. But savvy shoppers can find a great deal — as low as $65 per month — by choosing the right insurer.

Safeco, Midvale Home & Auto, and Dairyland 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.

Key Takeaways:

• Safeco offers the cheapest car insurance policies in the city, with an average cost of $102 per month.
• Wichita drivers pay averages of $92 per month for liability-only auto insurance and $208 per month for full coverage.
• Kansas is a no-fault state, so you must buy uninsured/underinsured motorist coverage in addition to liability insurance.

In This Article:

• Average Price for Car Insurance in Wichita
• Cheapest Wichita Car Insurance Companies
• Best Wichita Car Insurance Companies of 2024
• Wichita Rate Breakdowns by Driver and Coverage Type
• Kansas Auto Insurance Requirements
• Frequently Asked Questions

How Much Is Car Insurance in Wichita?

Wichita drivers pay an average of $92 per month for liability-only insurance and $208 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.

Wichita’s Cheapest Car Insurance Companies

Even though Wichita’s average car insurance rate is $150 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.

Safeco offers the cheapest car insurance in Wichita, with an average rate of $102 per month, according to Compare.com data.

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.

Top 3 Best Wichita Insurance Companies of 2024

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.

Best overall value: Safeco

• Average premium: $102 per month
• Compare.com rating: 4.59 out of 5

Pros:

• Among the lowest rates overall in Wichita
• Popular telematics program
• Savings for safe drivers

Cons:

• Mixed customer reviews
• Limited discount options
• Low J.D. Power score

Safeco offers among 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.

Best insurer for full coverage: Travelers

• Average premium: $123 per month
• Compare.com rating: 4.57 out of 5

Pros:

• Cheap full-coverage policies in Wichita
• Diverse coverage options
• Many available discounts

Cons:

• Liability-only insurance isn’t a great value
• Low J.D. Power score
• Above-average rate of customer complaints

Travelers’ average rate of $123 per month 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.

Best for safe drivers: Liberty Mutual

• Average premium: $148 per month
• Compare.com rating: 4.62 out of 5

Pros:

• Above-average J.D. Power score
• Discounts for safe drivers
• Telematics program helps safe drivers save

Cons:

• Not the cheapest option in Wichita
• Relatively expensive full-coverage options
• Above-average rate of customer complaints

While Liberty Mutual doesn’t 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.

Drivers who feel comfortable purchasing just liability-only insurance are the best candidates for Liberty Mutual because rates are just $88 per month.

Cheapest Company for Liability Insurance: Safeco

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 table below shows the cheapest companies in Wichita for liability insurance and average monthly premiums.

Safeco is the cheapest option in Wichita for liability insurance, at $65 per month, according to Compare.com data.

Now, let’s explore the cheapest full-coverage insurance options in Wichita.

Cheapest Company for Full-Coverage Insurance: Travelers

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.

Travelers is the cheapest insurance company in Wichita for full coverage, according to Compare.com data, with an average monthly premium of $123 per month.

Compare Wichita Auto Insurance Rates by Driving Record

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.

Let’s get more specific and break down the cheapest car insurance company in Wichita by violation.

Cheapest car insurance in Wichita after a ticket: Safeco

Getting a speeding ticket raises your rates by 19% on average, according to Compare.com data. Safeco is the cheapest option in Wichita for drivers with a speeding ticket on their record, with an average rate of $92 per month.

Cheapest car insurance in Wichita after an accident: Safeco

An at-fault accident on your record raises your rates by 24% 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.

Safeco is once again the cheapest option in Wichita, at $98 per month.

Cheapest car insurance in Wichita after a DUI: Safeco

Driving under the influence (DUI) is one of the most serious traffic violations. DUIs raise your rates by 47% 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.

Safeco is the cheapest auto insurance in Wichita for drivers with DUIs, with an average rate of $107 per month.

Compare Wichita Auto Insurance Rates by Age

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.

Now that we know how rates vary by age in Wichita, let’s take a closer look at rates for teen drivers.

Cheapest car insurance for Wichita teens: Safeco

Teen drivers pay the highest monthly premiums in Wichita, at $161 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.

Safeco is the cheapest car insurance in Wichita for teens, at $115 per month, according to our analysis.

Cheapest car insurance for Wichita seniors: Safeco

Wichita seniors pay some of the cheapest rates in the city, at $65 per month. Your rates decrease as you approach retirement because you’ll generally drive less — which means fewer opportunities for an accident.

Safeco is the cheapest car insurer for senior drivers in Wichita, with average rates of $54 per month, based on our data.

Kansas Auto Insurance Requirements

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.

How to Get Cheaper Car Insurance in Wichita

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.

Wichita Auto Insurance FAQs

Here are answers to some commonly asked questions about car insurance in Wichita.

Which company has the cheapest car insurance in Wichita?

Safeco is Wichita’s cheapest insurance company, at $102 per month, according to Compare.com data. But remember, the best auto insurance companies aren’t always the cheapest.

How much is car insurance in Wichita?

Drivers pay an average of $150 per month for car insurance in Wichita, according to Compare.com data. Liability insurance and full-coverage rates are $92 and $208 per month, respectively.

How much car insurance does Kansas require?

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.

What happens if you get caught driving without insurance in Wichita?

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.

What is the cheapest full-coverage car insurance in Kansas?

Travelers offers the cheapest car insurance in Kansas for full coverage, at $103 per month, according to our data.

Data Methodology:

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.

Sources:

1. J.D. Power, “2023 U.S. Auto Insurance Study,” accessed May 18, 2024.
2. Kansas Insurance Department, “Auto Insurance,” accessed May 18, 2024.
3. NOLO, “Kansas No-Fault Car Insurance,” accessed May 18, 2024.
4. Triple-I, “What determines the price of an auto insurance policy?,” accessed May 18, 2024.
5. Insurance Institute for Highway Safety, “Fatality Facts 2021: Teenagers,” accessed May 18, 2024.