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How much is car insurance in Wichita?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $10 a month more expensive to insure your vehicle in Wichita than it is in the rest of Kansas.
On the other hand, the expected monthly payments for an auto insurance policy in Wichita are below the national average. You can expect to pay about $12 less for your policy in Wichita than in the rest of U.S.
Although these are the average car insurance rates in Wichita, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down the average rates for Wichita to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The more time you've spent on the road, the more experience you have. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may rise again in Wichita.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Wichita is about $6 a month. As you can see in the chart above, car insurance for women in the area typically costs around $65 each month, while men pay $71 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Wichita, drivers with one accident on their record will experience rates around $87 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $96.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$108|
|15 Years or Older||$64|
According to the first table above, the cheapest vehicles to insure in Wichita are usually trucks and vans, at $60 per month.
Car owners will see a monthly rate of about $71, while SUV owners typically pay around $63 per month.
Vehicle age has an impact on the cost of your policy as well. Overall, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Wichita, for example, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
More often than not, people who are married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
While married drivers normally pay less than single drivers, in Wichita both groups pay about the same rate.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Your housing status is another component of how insurance companies calculate your monthly rate. In Wichita, homeowners can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Wichita, KS
Recent trends in car insurance for Wichita drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
Auto insurance rates in Wichita rose from 2016-2018, when they reached a high of $83, but began to decrease from 2019-2020. They finished up in 2021, at $69 a month.
How does Wichita compare to neighboring areas?
Why are car insurance rates in Wichita different from other areas?
There are several factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Access to off-street parking
- Community laws
- Regional crime rates
- Number of drivers in the community
- Road safety
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Wichita?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer coverage in Wichita.
Wichita Insurance FAQs
What factors affect car insurance quotes in Wichita?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Wichita different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Wichita?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Wichita?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Wichita or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.