State Farm is the cheapest car insurance company in Wichita, Kansas, for most drivers, according to our research, offering minimum coverage for an average of $85 a month and full coverage for $95.
USAA offers even cheaper car insurance rates to Wichita drivers who have ties to the military, at $82 a month for minimum coverage and $89 a month for full coverage.
State Farm also is Wichita’s cheapest car insurance provider for senior drivers and drivers with incidents like DUIs and accidents on their records. USAA has the most affordable rates for teen drivers.
In this article
Who has the cheapest car insurance in Wichita, Kansas?
State Farm and USAA have the cheapest car insurance rates in Wichita for both minimum- and full-coverage policies. You must be current or former military, or an eligible family member, to buy insurance from USAA, however.
State Farm offers Wichita drivers minimum-coverage car insurance for $85 a month, on average. This is $49 a month less than the city average for such coverage.
USAA’s average minimum-coverage rate is $82 a month, but to benefit from it you must be associated with the military.
| Company | Monthly rate |
|---|---|
| USAA | $82 |
| State Farm | $85 |
| Progressive | $114 |
| Farmers | $148 |
| Allstate | $154 |
| Farm Bureau | $156 |
| American Family | $199 |
| City average | $134 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Minimum-coverage car insurance satisfies the state’s requirements for liability coverage. Liability coverage pays for injuries and property damage you cause to others. It does not cover your own medical bills or repair costs.
State Farm has the cheapest auto insurance rates to Wichita drivers who buy full-coverage policies, too, at an average of $95 a month. USAA’s average rate is $89 a month for those who qualify.
| Company | Monthly rate |
|---|---|
| USAA | $89 |
| State Farm | $95 |
| Progressive | $128 |
| Farmers | $158 |
| Farm Bureau | $162 |
| Allstate | $165 |
| American Family | $188 |
| City average | $141 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Progressive is another good, cheap car insurance option for Wichita drivers. Its average monthly minimum-coverage rate is $114 and its full-coverage rate is $128. Both are higher than State Farm’s and USAA’s average rates, but they’re still cheaper than the city averages.
Full-coverage car insurance includes collision and comprehensive coverages as well as liability coverage. We recommend full coverage to drivers who have newer or expensive vehicles. You may need to buy it if you finance or lease your vehicle.
Cheapest car insurance in Wichita by driving record
State Farm is the cheapest auto insurance company for Wichita drivers with DUIs, accidents and speeding tickets on their records.
For Wichita drivers with a DUI on their records, State Farm’s average monthly rate of $100 is the city’s cheapest. This is for a full-coverage policy.
Progressive and American Family also offer affordable auto insurance rates to drivers after a DUI, with average rates of $141 and $188 a month, respectively.
| Company | Monthly rate |
|---|---|
| State Farm | $100 |
| Progressive | $141 |
| American Family | $188 |
| Farmers | $213 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm has the cheapest car insurance for drivers in Wichita after an accident, with an average monthly rate of $108. USAA’s average rate is only a few dollars more per month at $129, though you need to have ties to the military.
| Company | Monthly rate |
|---|---|
| State Farm | $108 |
| USAA | $129 |
| American Family | $205 |
| Progressive | $212 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm and USAA once again lead the way in terms of cheap car insurance rates in Wichita for drivers with a speeding ticket. State Farm’s rate here is $100 a month, on average; USAA’s is $109.
| Company | Monthly rate |
|---|---|
| State Farm | $100 |
| USAA | $109 |
| Progressive | $165 |
| Allstate | $184 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Drivers with incidents on their records pay higher rates for car insurance than they would if they had clean driving records. After a DUI, you’ll pay an average of $209 a month for full-coverage car insurance in Wichita. That’s a 48% increase over what you’d pay for the same coverage with a clean record. Drivers in Wichita pay 40% more for full coverage after an accident, and 17% more after a speeding ticket.
Compare rates from top car insurance companies
Where can I get cheap car insurance in Wichita for teen drivers?
Most Wichita teens will get the cheapest car insurance quotes from State Farm, which charges $258 a month for minimum coverage, on average, and $291 a month for full coverage.
| Company | Monthly rate |
|---|---|
| USAA | $235 |
| State Farm | $258 |
| Farm Bureau | $360 |
| American Family | $472 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you or your family have a history with the military, you might get cheaper quotes from USAA. It offers teens in Wichita minimum-coverage policies for an average of $235 a month and full-coverage policies for $261 a month.
| Company | Monthly rate |
|---|---|
| USAA | $261 |
| State Farm | $291 |
| Farm Bureau | $376 |
| American Family | $461 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
These average rates are for teen drivers with clean records. If you have any incidents on your driving record, you’ll pay even higher car insurance rates than the ones highlighted above.
To get the cheapest teen car insurance in Wichita or anywhere else, have a parent add you to their policy. If that’s not possible and you need to buy your own policy, look for discounts. Many companies offer discounts to students who get good grades or who complete a driver education program.
Where can I get cheap car insurance in Wichita for senior drivers?
State Farm is the best source of cheap auto insurance for seniors in Wichita, charging $77 a month, on average, for minimum coverage and $86 a month for full coverage.
| Company | Monthly rate |
|---|---|
| State Farm | $77 |
| USAA | $80 |
| Progressive | $93 |
| Farm Bureau | $127 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA and Progressive also offer cheap car insurance to Wichita seniors. USAA’s average minimum-coverage rate for seniors is $80 a month, while Progressive’s is $93. For full coverage, USAA averages $87 a month and Progressive averages $105 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $86 |
| USAA | $87 |
| Progressive | $105 |
| Farm Bureau | $132 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
All three companies’ rates for minimum and full coverage are lower than the city averages of $120 a month and $126 a month, respectively.
What is the average cost of car insurance in Wichita?
Car insurance in Wichita, Kansas, costs $134 a month, on average, if you buy a minimum-coverage policy. The average cost of a full-coverage car insurance policy in Wichita is $141 a month.
Wichita drivers pay higher rates for car insurance than many of their counterparts who live elsewhere in the state. The state average for minimum-coverage car insurance is $126 a month, while full-coverage policies cost $132 a month, on average.
What are Wichita’s car insurance requirements?
Kansas law requires drivers in Wichita to have quite a lot of car insurance coverage. This includes 25/50/25 liability coverage, but also various amounts of personal injury protection (PIP) as well as uninsured and underinsured motorist coverage.
Here are the minimum amounts of these car insurance coverage types you must maintain as a Kansas driver:
Liability coverage
- $25,000 per person and $50,000 per accident for bodily injury
- $25,000 per accident for property damage
PIP
- $4,500 per person for medical expenses
- $900 a month for one year for disability or loss of income
- $25 a day for in-home services
- $2,000 for funeral, burial or cremation expenses
- $4,500 for rehabilitation expenses
Uninsured and underinsured
- $25,000 per person and $50,000 per accident
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Wichita ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Kansas’ minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.