Key Takeaways
- State Farm has the lowest car insurance rates in Wichita, charging $36 a month for minimum coverage and $93 for full coverage.
- The average Wichita driver pays $137 a month for full-coverage car insurance — slightly more than the statewide average of $125.
- American Family is the cheapest option for drivers with bad credit.
In this article
The cheapest car insurance companies in Wichita, KS
State Farm has the cheapest car insurance rates for most drivers in Wichita, including for those seeking:
- Full or minimum coverage
- Coverage for senior drivers
- Coverage for young drivers
- Coverage for married drivers
American Family has the cheapest rates for Wichita drivers with bad or poor credit. Its rates often rival those of State Farm in the other driver and coverage categories we surveyed.
To find out if State Farm, American Family or some other insurer has the cheapest rates for you, compare car insurance quotes from several different companies.
Kansas car insurance state minimums
In Kansas, all drivers are required to carry liability insurance for bodily injuries and property damage, as well as for potentially uninsured motorists involved in an accident. Those policies must have 25/50/25 coverage at a minimum, which means:
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist | $25,000 per person / $50,000 per accident |
Kansas drivers additionally must hold personal injury protection (PIP) of at least the following amounts:
- $4,500 person for medical expenses (per person)
- $900 a month for one year of disability or loss of income
- $25 a day for in-home services
- $2,000 for funeral costs
- $4,500 for rehabilitation costs
Cheapest minimum-coverage auto insurance rates in Wichita: State Farm
State Farm has the lowest minimum-coverage car insurance premiums in Wichita. Per month, the provider charges $36, on average.
The average cost of a minimum-coverage car insurance policy in Wichita is $56 a month, so State Farm offers savings of 36%.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $36 |
| Progressive | $43 |
| American Family | $44 |
| Farm Bureau | $45 |
| Farmers | $81 |
| Allstate | $117 |
| USAA* | $27 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
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Cheapest full-coverage auto insurance rates in Wichita: State Farm
State Farm also offers Wichita’s cheapest full-coverage car insurance, at an average monthly rate of $93.
The average cost of full-coverage car insurance in Wichita is $137 a month. State Farm’s average rate is 32% cheaper.
Full-coverage auto insurance usually includes collision and comprehensive coverages, in addition to the state-mandated minimums highlighted above. No state requires full-coverage car insurance, but many lenders and lessors do.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $93 |
| American Family | $99 |
| Farm Bureau | $136 |
| Progressive | $139 |
| Farmers | $179 |
| Allstate | $245 |
| USAA | $69 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Cheapest car insurance in Wichita for drivers with bad credit: American Family
Drivers with bad credit will find the best deal on car insurance at American Family, which charges an average $180 per month. This is for a full-coverage policy; your rate should be lower if you buy less coverage
In Wichita, as in many cities, drivers with bad credit typically pay more for car insurance. This is largely due to studies linking credit scores with overall driving risk.
| Insurance company | Monthly rate |
|---|---|
| American Family | $180 |
| Progressive | $230 |
| State Farm | $237 |
| Farm Bureau | $261 |
| Farmers | $283 |
| Allstate | $387 |
| USAA | $120 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. | |
Cheapest car insurance for drivers with a prior incident
State Farm has the cheapest car insurance for drivers with prior incidents, including those with speeding tickets, at-fault accidents and DUIs.
Cheapest for drivers with a speeding ticket: State Farm
State Farm is the most affordable car insurance choice for drivers with a speeding ticket. The company offers an average rate of $98 a month for full coverage.
Citywide, drivers with a speeding ticket on their record pay an average of $162 a month for insurance. That’s 18% more than the average for drivers with a clean record.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $98 |
| American Family | $99 |
| Farm Bureau | $172 |
| Progressive | $175 |
| Farmers | $232 |
| Allstate | $275 |
| USAA | $84 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: State Farm
Drivers with an accident should head to State Farm for cheap auto insurance, as it offers the city’s lowest monthly premiums of $106.
On average, Wichita drivers with an accident pay $201 a month for car insurance — 47% more than those with a clean record.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $106 |
| American Family | $117 |
| Farm Bureau | $209 |
| Progressive | $221 |
| Farmers | $268 |
| Allstate | $389 |
| USAA | $100 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for drivers with a DUI: State Farm
State Farm also is the place to go for cheap car insurance if you have a DUI on your driving record, charging $98 a month.
However, State Farm is closely followed by American Family, which charges a monthly average of $99.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $98 |
| American Family | $99 |
| Progressive | $153 |
| Farmers | $241 |
| Farm Bureau | $325 |
| Allstate | $330 |
| USAA | $163 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
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Cheapest car insurance for senior drivers: State Farm
Senior drivers will find the cheapest car insurance in Wichita at State Farm, which offers a monthly rate that averages $84.
In Wichita, seniors pay less for car insurance than their younger counterparts. This is true in many cities, as insurance companies often see seniors as experienced and reliable drivers.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $84 |
| American Family | $90 |
| Progressive | $109 |
| Farm Bureau | $111 |
| Farmers | $171 |
| Allstate | $247 |
| USAA | $65 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. | |
Cheapest car insurance for young drivers: State Farm
State Farm is the best option for cheap car insurance if you’re a young driver. For minimum coverage, the company charges teen drivers $111 a month, on average. For full coverage, the average rate is $257.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $111 | $257 |
| American Family | $112 | $217 |
| Farm Bureau | $117 | $309 |
| Progressive | $207 | $620 |
| Farmers | $250 | $532 |
| Allstate | $395 | $848 |
| USAA | $85 | $204 |
| Rates are for an 18-year-old male with a clean driving record. | ||
Cheapest car insurance for married drivers: State Farm
Married drivers will find the lowest car insurance rates from State Farm, which charges $93 a month for full-coverage policies.
In Wichita, the average cost of insurance for married drivers is $131 a month — slightly less than the average for singles.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $93 |
| American Family | $99 |
| Progressive | $110 |
| Farm Bureau | $131 |
| Farmers | $169 |
| Allstate | $254 |
| USAA | $61 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. | |
Car insurance laws in Kansas
No-fault car insurance
Kansas is a no-fault car insurance state, meaning drivers pay for damages related to an accident with their own insurance policies, regardless of who caused it. This is also why Kansas drivers are required to carry personal injury protection.
SR-22 insurance
Kansas drivers are sometimes required to carry an SR-22 form proving their insurance coverage. Usually, this happens when a driver is returning from a license suspension for a major incident.
Wichita car insurance: FAQs
State Farm has the cheapest car insurance in Wichita, offering minimum coverage for $36 a month and full coverage for $93 a month.
These are average rates; you may pay more or less depending on various factors. This is why comparing quotes from several companies is the best way to get the lowest rate for the amount of coverage you want.
On average, Wichita drivers pay $56 a month for minimum-coverage car insurance and $137 a month for full coverage.
Yes, all drivers in Wichita – and elsewhere in Kansas – must have at least 25/50/25 car insurance coverage. This means they need, at a minimum, $25,000 of bodily injury liability coverage per person, and $50,000 per accident. They also need $25,000 of property damage liability coverage.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Wichita, Kansas.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Sources:
Auto insurance by city
- Wichita
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