Key Takeaways
The average annual cost of auto insurance in Wichita is $1854. According to our data, Nationwide has the most affordable auto insurance in Wichita in 2024, with an annual policy starting at $1296.
Residents of Wichita face higher-than-average auto insurance prices when compared to the average costs in Kansas ($1806 annually) and higher than the national average of $1157.
| Wichita (Annual Average) | Kansas (Annual Average) | United States (Annual Average) |
|---|---|---|
| $1854 | $1806 | $1557 |
Our 2024 data indicates that Nationwide offers the most affordable full-coverage auto insurance for Wichita residents. The annual coverage costs $1296, with an average monthly premium of $106. In second place, USAA provides coverage for $109 a month or $655 for a six-month insurance.
| Company | Avg. Annual Premium |
|---|---|
| Nationwide | $1296 |
| USAA | $1332 |
| State Farm | $1386 |
| Farm Bureau Mutual (IA Group) | $1392 |
| Progressive | $1974 |
| Allstate | $2532 |
Inexperience behind the wheel increases the likelihood of collisions and the lawsuits that follow. Teenage drivers thus pay the highest insurance rates, which is not surprising. The difference in premiums between teenage drivers and drivers in their 20s in Wichita is a startling $3,308 annually, which represents the largest difference between any two age groups when purchasing a new auto insurance policy.
It is noteworthy that risk management is the primary goal for businesses in the insurance sector. Teenage drivers' premiums can be raised in order to partially offset the increased expenses related to paying claims. As such, it is critical to understand that this behavior is motivated more by corporate logic than by human desires.
| Company | Avg. Annual Premium |
|---|---|
| Nationwide | $3735 |
| USAA | $5028 |
| State Farm | $4866 |
| Farm Bureau Mutual (IA Group) | $3567 |
| Progressive | $8502 |
| Allstate | $7284 |
The most common types of insurance claims are those involving collisions and at-fault incidents. According to our 2024 data, the average monthly insurance rate in Wichita increased by $42 to $74 due to an at-fault accident. Following an at-fault accident, State Farm turns out to be the least expensive provider in Wichita.
In order to keep your auto insurance premiums low, you must drive a spotless record and avoid accidents at all costs. All infractions, whether it be a ticket for speeding, charges for careless driving, or a DUI conviction, will inevitably result in higher premiums. Your insurance will be impacted for a period of three to five years, depending on how serious the citation is.
| Company | Avg. Annual Premium |
|---|---|
| Nationwide | $2082 |
| USAA | $1878 |
| State Farm | $1716 |
| Farm Bureau Mutual (IA Group) | $2112 |
| Progressive | $2916 |
| Allstate | $3498 |
| Accident/Violation | Avg. 6 Mo. Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $918 | 0% | $0 |
| One Med/PIP claim | $918 | 0% | $0 |
| Not-at-fault accident | $948 | 3% | $31 |
| Two Med/PIP claims | $977 | 6% | $59 |
| One comp claim | $983 | 7% | $65 |
| Two comp claims | $1,016 | 11% | $98 |
| Failure to wear a seat belt | $1,024 | 12% | $107 |
| Driving without lights | $1,038 | 13% | $120 |
| Failure to show documents | $1,043 | 14% | $126 |
| Child safety restraint | $1,058 | 15% | $140 |
| Driving with expired registration | $1,072 | 17% | $154 |
| Cell phone violation | $1,098 | 20% | $180 |
| Texting while driving | $1,098 | 20% | $180 |
| Driving too slowly | $1,106 | 21% | $189 |
| Speeding 6 - 10 MPH over limit | $1,113 | 21% | $196 |
| Speeding 11 - 15 MPH over limit | $1,120 | 22% | $202 |
| Failure to stop at a red light | $1,121 | 22% | $203 |
| Speeding in school zone | $1,124 | 23% | $207 |
| Speeding 16 - 20 MPH over limit | $1,126 | 23% | $208 |
| Illegal turn | $1,133 | 24% | $216 |
| Failure to yield | $1,133 | 24% | $216 |
| Following too closely | $1,134 | 24% | $216 |
| Wrong way/wrong lane | $1,135 | 24% | $218 |
| In 65 MPH zone | $1,140 | 24% | $222 |
| Improper passing | $1,140 | 24% | $222 |
| Speeding 21 - 25 MPH over limit | $1,148 | 25% | $230 |
| Operating a vehicle without permission | $1,151 | 25% | $234 |
| Passing school bus | $1,170 | 27% | $252 |
| Open container | $1,170 | 28% | $253 |
| At-fault accident - less than $1,000 | $1,172 | 28% | $254 |
| Racing | $1,283 | 40% | $365 |
| At-fault accident - greater than $2,000 | $1,363 | 49% | $445 |
| At-fault accident - $1,000-$2,000 | $1,363 | 49% | $445 |
| Reckless driving | $1,365 | 49% | $447 |
| Driving with a suspended license | $1,694 | 85% | $776 |
| Refusal to submit to a chemical test | $1,721 | 88% | $803 |
| DUI | $1,735 | 89% | $817 |
| Leaving scene of an accident/hit and run | $1,811 | 97% | $894 |
Like in most other jurisdictions, Kansas allows auto insurance providers to consider drivers' credit scores when rating policies. This custom dates back many years and is based on the proven correlation between credit scores and the frequency of claims.
A careful examination of the data reveals that people with lower credit scores are more likely to file claims, have coverage lapses, and drive recklessly. Consequently, because creditworthiness is inherently linked to increased risk, persons with bad credit have to pay higher premiums.
Specifically, Wichita drivers with adverse credit scores (300–579) will pay a premium that is 99% more than those with excellent credit (800–850). According to our statistics, 40% of Wichita drivers have average credit scores (580-679).
| Company | Avg. Annual Premium |
|---|---|
| Nationwide | $1926 |
| USAA | $2403 |
| State Farm | $3384 |
| Farm Bureau Mutual (IA Group) | $2562 |
| Progressive | $3306 |
| Allstate | $3546 |
Car insurance costs in Wichita are higher than the national and state averages. The high cost of repairs and the dense population of the city are factors that affect the rates. However, individual characteristics such as your driving record or your demographic might have a significant impact on your rate. Here is a summary of the reasons why Wichita auto insurance can be expensive.
Your home's neighborhood in Wichita may impact your automobile insurance premiums. The region in which you reside affects the price of your premiums, in addition to personal elements like your driving record and demographics.
Certain areas of the city are riskier for insurance companies than others due to differences in crime rates, theft incidents, and the prevalence of uninsured drivers. If you live in a high-crime region, your auto insurance premiums will be greater than those of someone who lives in a less dangerous zone.
| Category | ZIP Codes |
|---|---|
| Expensive | 67276, 67214, 67211, 67213, 67218 |
| Cheap | 67235, 67227, 67228, 67226, 67230 |
Insurance companies can and have gone bankrupt due to weather-related damage. Extreme weather, including hail, is nothing new in Kansas, and Wichita, being in tornado alley, is particularly vulnerable to these kinds of storms. Kansas not only rated #6 among states with the most damage from tornadoes in 2022, but it also placed #5 among states with the most hail incidents.
Your comprehensive coverage will cover flood-related damage to your car. It is highly recommended that you get comprehensive coverage in your Wichita auto insurance policy if your car is brand-new or of high quality.
Accidents will inevitably increase as there are more cars on the road. Even for cautious or rare drivers, the expenses of accident-related claims are usually transferred to other drivers in the community through higher premiums.
Our research indicates that Wichita has one of the highest rates of uninsured drivers in the state, at roughly 32%. If an uninsured motorist strikes you, you can be responsible for covering the cost of the damage.
Your auto insurance prices in Wichita are significantly influenced by the type of coverage you choose. The premiums you must pay will increase with the level of protection you select. Our data indicates that 38% of Wichita drivers carry the minimum insurance. Even while, in some cases, this might satisfy the legal requirements, depending only on this amount of coverage could make you susceptible to needing more insurance.
Cars in Wichita are known for favoring a complete insurance policy called "full coverage." This all-inclusive plan includes comprehensive and collision coverage, which are often mandated by lending institutions for those who have financed or leased cars. Every one of these options has a deductible, so you can choose to pay a bigger deductible in return for a cheaper monthly cost.
When purchasing car insurance in Wichita, consider obtaining desirable extras like uninsured motorist coverage or roadside assistance to improve your protection and your car.
| Company | Avg. Annual Premium |
|---|---|
| Nationwide | $423 |
| USAA | $420 |
| State Farm | $462 |
| Farm Bureau Mutual (IA Group) | $402 |
| Progressive | $684 |
| Allstate | $804 |
Here's some info to make your drives in Wichita smooth and safe:
By following these simple tips, you'll enjoy a safe and stress-free driving experience in Wichita! Remember, courtesy and defensive driving go a long way in keeping everyone safe on the road.
| Company Name | Contact Information |
|---|---|
| Nationwide | 1-800-NATIONWIDE |
| State Farm | Varies by location |
| Progressive | 1-800-PROGRESSIVE |
| Geico | 1-800-841-3000 |
| USAA (military & veterans) | 1-800-USAA-222 |
| Allstate | Varies by location |
| Farmers Insurance | Varies by location |
| American Family Insurance | Varies by location |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
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