Cheapest Auto Insurance in Wichita, Kansas (2025)

The average cost of car insurance in Wichita, Kansas, is $132 per month. To compare, drivers in Kansas spend an overall average of $112 per month on car insurance, and drivers nationwide pay an overall average of $143.

Auto insurance rates in Wichita may be higher than the average rates in Kansas because the city is the most populous in the state. Car insurance rates are often more expensive in areas with more vehicles on the road because the chance of an accident is higher than in rural areas.

Here’s what you should know about comparing quotes and finding affordable auto coverage in Wichita.

6 of the cheapest car insurance companies in Wichita

Many different car insurance companies insure drivers in Wichita, but each insurer has unique pros and cons. The cost of car insurance also differs based on factors like your ZIP code, age, credit score, and insurance company.

The right insurance company for you will depend on your individual situation, coverage needs, and budget, but you can start your search with the insurers below. Rates shown in the table are for the state of Kansas.

Best insurer for coverage options: Travelers

Best insurer for discounts: Liberty Mutual

Best insurer for low rates: Safeco

How to get the cheapest car insurance in Wichita

You have several ways to get cheap car insurance in Wichita. Here are some tips for getting the most affordable coverage for your situation:1

• Look for discounts. Many Wichita car insurance companies offer discounts that can lower your auto insurance premium. Choose a company that has multiple discounts you can qualify for to maximize savings.

• Bundle your policies. You can often save a significant amount of money by bundling multiple policies together, like car insurance with home insurance, renters insurance, or life insurance. 

• Choose higher deductibles. For policies that require a deductible, like collision insurance and comprehensive insurance, choosing a higher deductible will result in a lower monthly premium. But make sure you can afford a higher deductible in the event of a claim.

• Shop around. One of the best ways to find cheap car insurance in Wichita is to shop around and compare rates from multiple insurance companies. Comparing rates makes it easy to see which insurer can give you the best deal for the coverage you want.

Cheapest liability-only car insurance in Wichita: CSAA

Liability-only insurance covers your financial responsibilities if you cause an accident that results in someone else’s bodily injuries or property damage. It doesn’t provide any coverage for your injuries, your passengers’ injuries, or your vehicle. 

Liability-only insurance costs an average of $93 per month in Wichita.

In the table below, you can see the cheapest car insurance in Wichita for liability-only insurance.

Cheapest full-coverage car insurance in Wichita: State Farm

Full-coverage car insurance provides more protection than liability-only insurance. It also provides collision insurance and comprehensive insurance that cover physical damage to your vehicle, as well as medical payments insurance for your medical expenses after a crash.

For most Kansas drivers, full coverage is optional. But your lender will probably require it if you lease or finance your vehicle. Full coverage can also be beneficial for drivers who have a new vehicle or a high-value vehicle that would be expensive to repair out of pocket.

Wichita drivers pay an average of $172 per month for full-coverage insurance.

In the table below, you can see which car insurance companies have the cheapest full-coverage policies in Wichita.

Car insurance requirements in Kansas

Car insurance is a legal requirement in Kansas. Additionally, Kansas is a no-fault state, so drivers must carry personal injury protection (PIP) coverage.2 In a no-fault state, your insurance company covers your medical expenses after an accident, regardless of which driver was responsible.

Below are the minimum requirements Kansas drivers must meet:3

In addition to the required coverages, many Wichita drivers can benefit from endorsements, or optional coverages. Some common endorsements include:

Cheapest car insurance for drivers with an incident

People with incidents on their driving record, such as speeding tickets and at-fault accidents, often pay higher rates for car insurance than drivers with clean records.4 The most serious violations, like driving under the influence (DUI), usually have the biggest effect on insurance premiums.

Insurance companies view drivers with these incidents and other violations on their record as riskier to insure and more likely to file a claim. Insurers charge them more expensive rates to make up for the increased risk of insuring them.

Cheapest car insurance for drivers with a speeding ticket: CSAA

Speeding tickets are a common traffic violation, but they aren’t harmless. If you get pulled over for speeding, your car insurance premium could go up. From an insurance company’s perspective, speeding indicates that you could be an unsafe driver, which could lead to higher premiums.

In Wichita, the average cost of car insurance for drivers with a speeding ticket is $116 per month for liability coverage and $215 for full coverage. But some insurers have lower rates than others.

The table below shows the cheapest liability car insurance quotes in Wichita for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: CSAA

If you have an at-fault accident on your record, you’ll probably see your car insurance premium increase. Customers with an accident are riskier to insure because there’s a greater risk of a second car accident. In some cases, having a not-at-fault accident on your record can also cause your rate to go up.

Wichita drivers with an accident on their record pay an average of $123 per month for liability coverage and $227 per month for full coverage.

Below, you can see which insurance companies in Wichita have the lowest liability-only rates for drivers with an at-fault accident.

Cheapest car insurance for drivers with a DUI: CSAA

A DUI conviction is one of the most serious traffic offenses you can receive. If you have a DUI on your record, you can expect to pay a much higher insurance rate than average. Some insurance companies might even refuse to renew your coverage at the end of the policy period if you get a DUI.

Liability-only insurance for drivers in Wichita with a DUI costs $150 per month, on average. Full coverage costs an average of $277 per month.

See the table below for the cheapest liability insurance companies in Wichita for drivers with a DUI.

Cheapest car insurance for seniors: CSAA

Senior drivers often pay higher car insurance rates than middle-aged adults. Rates decrease steadily around age 35 and start increasing again around age 70. This is because older drivers have higher accident rates than other people, and they sometimes have impairments that can make them riskier behind the wheel.5

Senior drivers in Wichita pay a monthly average of $79 for liability coverage.

These companies have the cheapest car insurance for senior drivers in Wichita.

Cheapest car insurance for teens: CSAA

Teen drivers usually pay the highest rates for car insurance. Teens and young adults lack experience behind the wheel and are more likely to get into accidents than drivers in any other age group.6

But teen drivers have several ways to lower their insurance premiums. For example, many insurers offer discounts for high school students who get good grades. It’s also cheaper for teens to stay insured on a parent’s policy.

A liability policy for teens costs an average of $192 per month in Wichita.

Below, you can see which companies have the cheapest car insurance for teen drivers in Wichita.

Wichita car insurance quotes by credit tier

In Kansas, car insurance companies can use credit-based insurance scores as a way to determine risk. That means your credit history may affect the cost of your auto insurance. In general, drivers with excellent credit pay the lowest rates, and people with poor credit pay the highest rates.

Here are the average car insurance rates in Wichita based on credit tier.

Is car insurance more expensive in Wichita?

Drivers in Wichita pay lower car insurance rates than the average American driver. The average auto insurance premium in Wichita is $132 per month, and the U.S. national average rate is $143 per month.

Wichita has a relatively small population for an urban area, and with a low population density, there’s a lower risk of vehicle thefts, accidents, and other incidents. Kansas also has one of the lowest percentages of uninsured drivers out of all 50 states, which means the roads are safer.7

But car insurance in Wichita is more expensive than the state average of $112.

More cities in Kansas

The average cost of car insurance in Wichita is more expensive than in most other cities in Kansas. For example, the average rate in Topeka is  $113 per month, and the average rate in Kansas City is $132 per month.

See how rates compare for other Kansas cities in the table below.

Wichita car insurance FAQs