Average car insurance cost in Wichita, KS

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According to data from Insure.com, the average annual cost of car insurance in Wichita, Kansas is $1,987. The auto insurance rates in Wichita is $87 more than the state average and $92 more than the national average.

Car insurance premiums vary significantly based on where they are filed. Factors such as city demographics, population density and average resident age, accident rates, theft, and vandalism rates will influence the amount of premiums you pay.

This article talks in detail about the most affordable car insurance companies in Wichita, the average car insurance rates by age and gender, and how much car insurance cost in Wichita depending on coverage limits. Whether you’re a new driver or an experienced one, this article will help you to find the most affordable car insurance in Wichita. Keep reading to learn more.

Cheap car insurance companies in Wichita

Nationwide provides the best value for car insurance in Wichita with coverage limits of 100/300/100, costing $1,384 annually.

A close second is Geico, which offers car insurance at $1,533 per year.

Read about the best car insurance companies.

Average car insurance cost in Wichita by coverage limits

In Wichita, the average car insurance rates based on coverage types are as follows:

• State minimum coverage: $568 per year (limits are 25/50/25)
• Liability only coverage: $614 per year (limits are 50/100/50)
• Full coverage: $1,987 per year (limits are 100/300/100)
• Non-owners coverage: $325 per year

In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Wichita

The average car insurance rate for a female driver in Wichita, Kansas, is $1,992 per year.

While the rate for a male driver is $1,981 per year, which is $11 less than what female drivers pay, according to a rate analysis by Insure.com.

Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Wichita

In Wichita, teenagers have the highest car insurance rates, at $6,441 per year or $537 per month. This higher rate is attributed to the increased risk of road accidents among teenagers (aged 16 to 19) due to their limited experience on the road, according to the Insurance Information Institute.

However, there are driving laws for teens to improve their driving habits. Additionally, the cost of teen insurance can be reduced by adding them to a parent’s auto insurance policy. As teens mature and establish a positive driving history, their car insurance rates are likely to decrease.

Young adults, pay an average of $3,197 annually for car insurance, which is $3,244 less than what the teens pay for their insurance policy.

Meanwhile, adult, and senior drivers in Wichita have car insurance rates of $1,959 and $1,870 per year, respectively. The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below shows the average annual rates for drivers of different age groups:

Car insurance rate trends in Wichita

Examining the trends in car insurance rates in Wichita, Kansas it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 25%, or $402.

The table below shows the trend for last four years:

Conclusion

Car insurance rates in Wichita are higher than the average rates in Kansas. Drivers in Wichita can secure affordable car insurance by shopping around and utilizing available discounts. Additionally, many insurance companies offer bundling discounts for customers who purchase multiple policies from the same provider.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.