Cheapest Car Insurance in Wichita, KS

Auto-Owners, American Family, and Travelers are the most affordable car insurance options in Wichita. Insurance rates can change based on your driving history and the level of coverage you need. The table below shows different categories to help you find the most affordable company for your situation.

When searching for the cheapest car insurance in Wichita, compare rates from multiple providers. Costs vary based on age, driving history, vehicle type and coverage needs. The cheapest car insurance in Kansas may not be the same in Wichita. Comparing car insurance quotes is key to finding affordable coverage.

Auto-Owners offers the cheapest minimum coverage car insurance in Wichita at $33 per month, followed by Travelers at $39. Check the table below to see different providers offering the best rates for minimum coverage.

American Family offers the cheapest full coverage car insurance in Wichita at $915 per year. Check the table below to compare different providers offering the best rates for full car insurance coverage.

In Wichita, your age can change your car insurance rates. Young drivers often pay more because they're new on the road. Over time, these rates usually go down, but they can go up again after age 70. Below, find the most affordable insurance companies for different ages — teens, young adults, and seniors.

For those living in Wichita, Nationwide and Travelers offer the cheapest car insurance for teens. Check the table below to find the lowest rates for this age group in the city.

For affordable car insurance for young adults in Wichita, Travelers offers the best rate at $515 per year, saving you 35% compared to the city average. Other budget-friendly options include Auto-Owners, Iowa Farm Bureau, and American Family.

Auto-Owners offers seniors in Wichita the cheapest car insurance at an annual rate of $432. For more information on car insurance for seniors, check out the table below to explore options from other providers and find the best rates for senior drivers.

A poor credit-based insurance score may lead to higher premiums compared to those with good scores. For cheap car insurance for drivers with bad credit, Travelers offers a yearly rate of $791, while GEICO's rate is $863. Review the table below for more options from other providers.

Insurance providers assess risk when calculating car insurance premiums, and your driving record plays a key role. Violations like speeding tickets, accidents, or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.

Drivers in Wichita with a DUI on their record can still find affordable car insurance. American Family offers the cheapest minimum coverage at an annual rate of $608. Check the table below to explore options from other providers and find the best rates for drivers with a DUI.

Auto-Owners offers the most affordable minimum coverage car insurance for drivers in Wichita with an at-fault accident, with an annual rate of $476. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates for drivers with an at-fault accident record.

Travelers offers the most affordable car insurance for drivers in Wichita with a speeding record, with an annual rate of $603. American Family follows closely with a rate of $608. Check the table below to explore options from other providers and find the best car insurance company with the most affordable rates for drivers with a speeding record.

Military drivers, including active-duty members, veterans, and their families, often find special discounts and competitive rates on car insurance in Wichita. For those seeking affordable options, cheapest car insurance providers for military drivers include USAA at $277 annually and Auto-Owners Insurance Co at $399 annually for minimum coverage.

In Wichita, full coverage car insurance averages $1480 a year. State minimum coverage is cheaper, costing about $651 annually. Remember, these averages are based on a 40-year-old driver with good credit and a clean driving record; your rate may differ.

See how your auto insurance rate stacks up. This table shows average costs for various driver profiles to help you find an affordable plan.

In Wichita, minimum coverage car insurance is about $5 more a month than Kansas' average, at $54. Full coverage costs around $8 more monthly, averaging $123. While slightly above average, these rates offer Wichita drivers affordable protection.

Kansas law mandates that drivers carry minimum coverage auto insurance. This ensures that every policy includes at least the basic limits for bodily injury and property damage liability coverage.

Here are the minimum coverage amounts required in Kansas:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $25,000 for property damage liability per accident.
• $25,000 uninsured motorist bodily injury per person.
• $50,000 uninsured motorist bodily injury per accident.
• $4,500 personal injury protection (PIP) per person for medical expenses, and additional PIP benefits.

An auto insurance policy provides financial protection against expenses from accidents. Liability coverage handles costs for damage or injuries the policyholder is responsible for in an at-fault accident.

For instance, if you're at fault in an accident and the other driver sustains injuries, your minimum bodily injury liability coverage would cover up to $25,000 for that person's medical expenses. Any costs above this would require out-of-pocket payment or additional coverage. Wichita drivers needing to prove financial responsibility, such as with SR-22 insurance in Wichita, must maintain these minimum coverage limits.

Cheap car insurance in Wichita isn't one-size-fits-all. Your age, driving history, car type, and credit can change the cost. Auto-Owners Insurance Co and American Family often have low rates. But don't stop there! Always compare quotes from different companies to make sure you're saving the most money.

MoneyGeek answers common questions about affordable car insurance in Wichita. We guide you to find the best coverage for your needs, ensuring you get the right protection without breaking the bank.

To help Wichita drivers find the most affordable auto insurance companies, MoneyGeek analyzed Wichita auto insurance rates based on data and information from the Kansas Department of Insurance and Quadrant Information Services.

Wichita Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages in Wichita with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Wichita

MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.

The minimum coverage requirements in Kansas are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible