Cheap Car Insurance Quotes in Wichita, Kansas (2022)

State Farm has the cheapest car insurance in Wichita for most drivers at $95 a month for full coverage.

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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.

Cheapest car insurance in Wichita for minimum coverage
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.

Cheapest car insurance in Wichita for full coverage
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.

Cheapest car insurance after a DUI
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.

Cheapest car insurance after an accident
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.

Cheapest car insurance with a speeding ticket
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.

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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.

Cheapest car insurance for teens (minimum 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.

Cheapest car insurance for teens (full coverage)
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.

Cheapest car insurance for seniors (minimum 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.

Cheapest car insurance for seniors (full coverage)
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

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