Wichita, KS Car Insurance

Compared to their surrounding area, how do rates in Wichita stack up? What about against the rest of Kansas? What can Wichita residents expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Wichita?

As you can see in the chart above, it is around $8 a month more expensive to insure your vehicle in Wichita than it is in the rest of Kansas.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Wichita is rather affordable. It's around $16 less to insure your vehicle compared to the average rate for the U.S. as a whole.

While these are the average costs to insure your vehicle in Wichita, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've analyzed the average rate for Wichita and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

The more time you've spent on the road, the more experience you have. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement, your rates may creep back up a bit in Wichita.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less than male drivers for car insurance. This is true in Wichita, where women pay around $8 less a month. Looking at the table above, you can see that female drivers pay around $61 on average, while male drivers typically pay $69 each month.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Wichita, a driving record with one accident will usually get you a rate around $90 a month. Similarly, drivers with one ticket will typically pay around $82 on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

The most affordable vehicles to insure in Wichita are by and large trucks and vans, which run about $58 per month.

Car owners can expect to pay an average of around $68 a month for their policy, while SUVs usually cost around $61 a month to insure.

The age of your vehicle also plays a role in your monthly payment. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is about 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Wichita are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Generally, married policyholders will pay slightly less for car insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

Despite the national trend of married drivers saving more than single drivers, the rates for both in Wichita are about the same.

Average Car Insurance Rates by Housing Situation

Another factor that comes into play is your living accommodations. Drivers who own property in Wichita can expect to pay around $4 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Wichita, KS

Recent trends in car insurance for Wichita drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Wichita, car insurance rates increased from 2017-2018, when they reached a high of $83. This trend shifted in 2019, when they began to decrease, and have continued to do so through 2022, when policy premiums hit a low of $58 per month.

How does Wichita compare to neighboring areas?

Why are car insurance rates in Wichita different from other areas?

When considering how much to charge for an insurance policy, car insurance companies will evaluate a lot of factors. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

• Rate of crime
• Regional regulations
• Amount of drivers
• Road Safety (frequency of local car accidents)
• Access to off-street parking

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Wichita?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But wait! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Wichita.

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Wichita Insurance FAQs

What factors affect car insurance quotes in Wichita?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Wichita different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Wichita?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Wichita?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Wichita or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.