Cheapest Auto Insurance Quotes in Wichita, Kansas
Cheapest Auto Insurance Quotes in Wichita, Kansas
Find Cheap Auto Insurance Quotes in Your Area
The best car insurance rates in Wichita, Kan., are offered by State Farm, based on our analysis of quotes from top companies. The annual rate from the company for full coverage was $1,556 a year, while the rate for minimum coverage was $494.
Drivers in Wichita — the most populous city in Kansas — pay a little more for full coverage than the state average, 4% more. The difference is more stark for minimum coverage, which is 22% more expensive in Wichita.
The best way to get the most affordable rates is to compare quotes from multiple companies. Different insurers offer different discounts and may calculate their rates differently.
Cheapest auto insurance in Wichita: State Farm
State Farm, Farm Bureau and Progressive are the cheapest options for minimum liability coverage in Wichita, according to our analysis. Each insurer offered rates at least $104 less per year than the average rate in the city.
State Farm's monthly rate of $41 was the cheapest in the city, $18 per month less than the city average. Farm Bureau offered the second-lowest rate, at $50 per month, while Progressive's minimum-coverage rate was $51 per month.
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Minimum liability coverage could still leave you facing a considerable financial burden if you get into an accident. This level of coverage satisfies legal requirements, but after an accident, drivers may wind up with bills higher than their coverage limits, either because of damage to an expensive vehicle or another driver's medical costs.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $494 |
| 2 | Farm Bureau | $597 |
| 3 | Progressive | $609 |
| 4 | Allstate | $775 |
| 5 | American Family | $1,036 |
| 6 | Farmers | $1,046 |
| N/A | USAA | $437 |
Cheapest full-coverage car insurance in Wichita: State Farm
The best deal for full-coverage car insurance in Wichita comes from State Farm. American Family came in second and Progressive was third.
Only current military members, former military members or their eligible family members can get USAA policies, but their rates are routinely the cheapest in Wichita and elsewhere.
State Farm's rate of $1,556 was $236 less than its next-closest competitor, American Family, at $1,792. State Farm’s price is 36% cheaper than the city average.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $1,556 |
| 2 | American Family | $1,792 |
| 3 | Progressive | $1,948 |
| 4 | Farm Bureau | $2,110 |
| 5 | Allstate | $2,148 |
| 6 | Farmers | $3,990 |
| N/A | USAA | $1,270 |
Full-coverage auto insurance includes protection for a driver's own car with collision and comprehensive coverages.
- Collision coverage: covers damage to a driver’s own vehicle resulting from a crash, regardless of who was at fault. Also covers damage from collisions with objects or single-car accidents.
- Comprehensive coverage: covers damage to a driver’s own vehicle caused by something other than a crash, such as a natural disaster or theft.
Cheapest car insurance for drivers with prior incidents
Wichita residents, along with most drivers, will almost assuredly see an increase in rates after an accident, DUI, speeding ticket or other incident. Searching for lower rates can be important because these incidents usually raise prices significantly.
Cheapest car insurance in Wichita after an accident: State Farm
State Farm offers the lowest rates in Wichita for drivers with an at-fault accident, with an annual rate of $1,822. That was better than American Family, at $1,994, and Progressive, at $3,000.
An accident in Wichita raised annual rates an average of $794, an increase of more than 37%. The increase with an accident for State Farm customers was $266 per year, and was $202 per year for American Family customers.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $1,822 |
| 2 | American Family | $1,994 |
| 3 | Progressive | $3,000 |
| 4 | Allstate | $3,074 |
| 5 | Farm Bureau | $3,220 |
| 6 | Farmers | $5,488 |
| N/A | USAA | $1,776 |
Accidents raise rates more than 35% in the state of Kansas overall.
Cheapest car insurance for drivers with a speeding ticket: State Farm
The best auto insurance rates for drivers with a speeding ticket in Wichita came from State Farm. American Family and Progressive offered the second- and third-best rates in the city, respectively.
On average, a ticket meant a 19% increase, or $396 total, for insurance rates in Wichita.
The average annual premium from State Farm after a speeding ticket was $1,689. American Family charged $1,792 per year, while Progressive's annual rate was $2,372.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $1,689 |
| 2 | American Family | $1,792 |
| 3 | Progressive | $2,372 |
| 4 | Allstate | $2,391 |
| 5 | Farm Bureau | $2,665 |
| 6 | Farmers | $5,116 |
| N/A | USAA | $1,561 |
Cheapest car insurance for drivers with a DUI: State Farm
Having a DUI on their record costs a Wichita driver an average $995 more per year for car insurance, an increase of 47%. State Farm offers the city's best rates, at an average $1,689 per year, $103 cheaper than the next-closest competitor.
State Farm's rates jumped 9%, or $133, with a DUI. American Family had the second-lowest rates, at $1,792, and Progressive was third, at $2,076.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $1,689 |
| 2 | American Family | $1,792 |
| 3 | Progressive | $2,076 |
| 4 | Allstate | $2,837 |
| 5 | Farm Bureau | $5,035 |
| 6 | Farmers | $5,287 |
| N/A | USAA | $3,064 |
Cheapest car insurance for drivers with poor credit: State Farm
Poor credit raises insurance costs more than a speeding ticket or DUI in Wichita. State Farm offers the best rates for drivers in the city who have poor credit, with an average annual premium of $2,413.
State Farm's rate comes in $303 less than American Family’s. Farm Bureau's annual rate was the third-cheapest, at $2,943. On average, poor credit adds $1,040 to a Wichita driver's annual insurance cost.
Rank | Company | Annual rate |
|---|---|---|
| 1 | State Farm | $2,413 |
| 2 | American Family | $2,716 |
| 3 | Farm Bureau | $2,943 |
| 4 | Allstate | $3,067 |
| 5 | Progressive | $3,141 |
| 6 | Farmers | $3,859 |
| N/A | USAA | $1,768 |
Cheapest car insurance for married drivers: Progressive
Progressive was slightly cheaper than State Farm for married drivers in Wichita. The difference was a few dollars per year, with Progressive charging $1,554 and State Farm offering $1,556.
Married drivers tend to get better rates than unmarried drivers because they're considered less risky by insurers.
Progressive's rate was $386 less than the state average in Kansas.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $1,554 |
| 2 | State Farm | $1,556 |
| 3 | American Family | $1,792 |
| 4 | Farm Bureau | $2,120 |
| 5 | Allstate | $2,207 |
| 6 | Farmers | $3,692 |
| N/A | USAA | $1,111 |
Cheapest car insurance for young drivers: American Family
Wichita's young drivers can pay the least with American Family, which offers rates $597 less than any competitor. American Family charges Wichita 18-year-olds an average $4,113 per year.
State Farm had the next-lowest rates, at $4,710. Farm Bureau was third, at $5,016. Young drivers paid on average $3,726 more than 30-year-old drivers, an increase of 176%.
Younger drivers are considered a much higher risk by insurance companies, which raises their rates.
Rank | Company | Annual rate |
|---|---|---|
| 1 | American Family | $4,113 |
| 2 | State Farm | $4,710 |
| 3 | Farm Bureau | $5,016 |
| 4 | Allstate | $6,822 |
| 5 | Farmers | $7,628 |
| 6 | Progressive | $9,079 |
| N/A | USAA | $3,527 |
Options for young drivers looking to cut their insurance costs include:
- Searching for discounts: check with your insurer and review your options to see if you qualify for discounts. Those can include breaks for good grades, avoiding accidents and safe driving, among other things.
- Joining a parent's car insurance policy: this option will likely raise the price of a parent's policy, but is drastically cheaper than maintaining separate policies.
Best auto insurance companies in Wichita
The top companies for customer satisfaction in Kansas were USAA, American Family and State Farm, according to a survey conducted by ValuePenguin. Only members of the military, veterans and their families can purchase USAA policies.
For more information about each insurers' customer service rating, visit our Kansas car insurance page.
Average car insurance costs in Wichita by neighborhood
Wichita sits at the heart of a metro area of more than 640,000. The city itself accounts for more than 60% of that population across all or parts of 28 ZIP codes.
Wichita's cheapest ZIP code for auto insurance is 67232, a rural spot east of McConnell Air Force Base. The city's priciest ZIP code for insurance is 67276, on the southeastern side of the city, next to I-35.
The rates are within a relatively narrow range, with $208 separating the most expensive premium from the cheapest.
ZIP code | Average annual car insurance rate |
|---|---|
| 67202 | $2,189 |
| 67203 | $2,195 |
| 67204 | $2,153 |
| 67205 | $2,071 |
| 67206 | $2,066 |
| 67207 | $2,072 |
| 67208 | $2,155 |
| 67209 | $2,112 |
| 67210 | $2,118 |
| 67211 | $2,190 |
| 67212 | $2,058 |
| 67213 | $2,174 |
Auto theft statistics in Wichita
Among the 15 largest cities in Kansas, Wichita ranks 14th in terms of auto thefts per 100,000 residents. That rate was 590.9 cars stolen per 100,000 inhabitants in 2019.
In 2019, 2,305 cars were stolen in Wichita. Emporia and Leawood had the lowest rates of car theft among the 15 largest cities in the state.
Rank | City | Population | Car thefts | Thefts per 100,000 |
|---|---|---|---|---|
| 1 | Emporia | 24,747 | 18 | 72.7 |
| 2 | Leawood | 35,052 | 28 | 79.9 |
| 3 | Gardner | 22,229 | 19 | 85.5 |
| 4 | Junction City | 21,921 | 23 | 104.9 |
| 5 | Prairie Village | 22,508 | 28 | 124.4 |
| 6 | Derby | 25,012 | 32 | 127.9 |
| 7 | Olathe | 141,371 | 191 | 135.1 |
| 8 | Hutchinson | 40,431 | 61 | 150.9 |
| 9 | Lenexa | 56,240 | 86 | 152.9 |
| 10 | Garden City | 26,509 | 42 | 158.4 |
| 11 | Shawnee | 66,300 | 119 | 179.5 |
| 12 | Dodge City | 27,314 | 54 | 197.7 |
Motor vehicle theft data was pulled from the FBI 2019 Kansas Crime Report.
Methodology
Data was collected from seven of the largest insurers in Kansas. The sample driver is a 30-year-old man with a 2015 Honda Civic EX and average credit. Rates are for a full-coverage policy, unless otherwise stated.
These quotes should be used for comparative purposes only. This analysis used insurance rate data from Quadrant Information Services that were publicly sourced from insurer filings.
Source: FBI Kansas Crime Report
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