On average, your neighbors pay $58 a month.See Your Rates
Wichita, Kansas is known as “The Air Capital of the World”. If you’re a Wichita driver looking for cheap car insurance, we’ve got you covered! Read on to learn Wichita’s laws, best car insurance companies, and statistics to help you find a great policy.
How much is car insurance in Wichita, KS? Residents shouldn't be surprised to learn average car insurance rates in Wichita are higher than both the state and national averages. Urban living conditions, traffic congestion, and vehicle theft rates are causing rates to go up. The average cost of auto insurance in Kansas is $698.45 per year. The national average price is $889.01.
Prices may vary depending on your zip code thanks to traffic congestion, weather conditions and crime rates.
|Total Cost Per Year||$698.45|
|Price Per Month||$58.20|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Kansas rates from 2011 to 2015, the most recent year the data is available. According to the III, Kansas car insurance rates increased from $626 in 2011 to $698 in 2015, a jump of $72 dollars, or 11.59 percent.
Looking for car insurance in Wichita that provides the best coverage for an affordable rate? Shop around. Compare rates from a number of insurance companies.
QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. QuoteWizard can help you find cheap car insurance rates near Wichita and save up to 40% on your premium.
Last year, 25,673 people used QuoteWizard to compare auto insurance quotes in Wichita, KS from multiple companies to find the cheapest rates.
These are the most popular car insurance companies reported by QuoteWizard users in Wichita, Kansas. Of those drivers, 3,312 were uninsured when they requested a quote.
Other popular car insurance companies include Travelers, Midwest Insurance Agency, and Shelter Insurance.
These are the most popular car makes and models owned by Wichita, KS QuoteWizard users.
If you drive a vehicle registered in Wichita, Kansas you must maintain a minimum level of insurance coverage of 25/50/10. This means that you must have:
In addition to the coverage above, Kansas requires drivers to purchase the following types and amounts of Personal Injury Protection coverage:
Minimum coverage may look like the best deal since it’s so cheap. But it will cost you if you have an accident. This coverage doesn’t include collision or comprehensive coverage. If you have a claim that goes beyond the range of your policy, you’ll pay for it.
Given that, we recommend the following coverage:
Living in an area known for bad driving will affect your insurance premium. Our data shows that Wichita ranks as the 25th worst city for driving. This ranking accounts for accidents, speeding tickets, DUIs, and citations occurring in Wichita.
Factors such as weather, road conditions, and traffic can hurt your insurance rates. The riskier your driving conditions are, the higher your premium can be.
Drivers in areas with bad weather often face higher car insurance rates. Wichita has a lot of humidity in the summer. These humidity levels last from May through September. The danger here is that warm air requires your engine to pull more oxygen. Over time, this can put stress on your engine, resulting in a higher chance of breakdowns or accidents.
Rain and snowfall negatively impact driving conditions. The average annual rainfall in Wichita is 34.33 inches. Annual snowfall comes in at 15.6 inches. Heavy winds are a threat as well (have you seen ‘The Wizard of Oz?’). Be careful driving when the wind is in full force to avoid a crash.
Kansas' roads need an upgrade. 25 percent of the roads are rated poor. Another 30 percent are mediocre. Driving on poorly kept roads damages your car, which affects your premium. Driving on Wichita’s bad roads adds an average $543 yearly in extra costs.
Wichita drivers don’t waste too much time in traffic. INRIX ranks Wichita 198th of 1,360 world cities on the list of traffic congestion. You’re looking at only an extra 6 hours total on the road each year.
The more tickets and accidents you have, the higher your auto insurance rates go. You may need to buy high-risk insurance if you have a lot of points on your record. High-risk insurance is significantly more expensive.
If you are arrested for a DUI in Wichita, you’re looking at up to $5,000 in fines and 10 years in jail. Even if you do get a light sentence, getting caught driving under the influence affects your rates. Our data shows that car insurance costs drivers with DUIs an extra $830 per year.
Wichita does not require you to file an SR-22 form as proof of financial responsibility. If you have moved from another state that requires an SR-22, you must keep it.
High accident rates result in higher insurance costs. In 2016, Wichita reported 9,557 car crashes.
Wichita reported 30 fatal crashes and 31 pedestrian deaths in 2016, as well as 2,796 injuries.
Drivers in high car theft areas often pay more for car insurance. Wichita reported 2,476 auto thefts in 2017.
Want to save money on your car insurance in Wichita? There are many discount options available to lower your premiums:
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