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Car insurance in Wichita, Kansas, costs $1,987 per year for full coverage – $166 per month. USAA offers the cheapest car insurance policies at an average of $90 per month.

Wichita is home to around 396,000 people, which makes it the largest city in the state. 

Learn about the cheapest car insurance companies in Wichita, how much car insurance you need in Wichita and how its insurance rates compare to other large U.S. cities.

Key Takeaways

  • Full coverage car insurance in Wichita is $1,987 annually, higher than the nationwide average of $1,895.
  • The cheapest car insurance company for a full-coverage policy in Wichita is USAA. 
  • Car insurance in Wichita is $87 a year higher than the Kansas statewide average of $1,900 for a full-coverage policy.

How to find the best car insurance in Wichita

Shopping around can help you find the best car insurance in Wichita. Take the time to compare at least three quotes to help you find the most affordable option for your unique situation. Always ask if you qualify for any discounts before finalizing your policy. 

Cheapest car insurance company in Wichita

USAA offers the cheapest insurance coverage in Wichita, Kansas, with an annual average rate of $1,082 for full coverage. But remember that USAA only is available to military community members and their families. The next cheapest company is Nationwide at $1,384 per year. 

See other cheap car insurance rates in Wichita in the table below.

Average annual rates from insurers in Wichita, KS

Company Average annual rates for state minimumAverage annual rates for 50/100/50 liability onlyAverage annual rates for full coverage
USAA$283$317$1,082
Nationwide$543$494$1,384
Geico$312$349$1,533
Travelers$467$502$1,602
State Farm$471$539$1,962
Progressive$616$704$2,090
Farmers$718$835$2,124
Iowa Farm Bureau$504$532$2,310
Shelter Insurance$824$857$2,638
Allstate$938$1,012$3,141

How much is car insurance in Wichita per month?

Car insurance in Wichita costs $47 per month for a state minimum policy and $166 per month for a full coverage car insurance policy, on average, according to 2024 data. See monthly rates from Kansas insurers in the table below.

Monthly rates for car insurance in Wichita, Kansas

Company Average monthly rates for state minimum Average monthly rates for 50/100/50 liability onlyAverage monthly rates for full coverage
USAA$24$26$90
Nationwide$45$41$115
Geico$26$29$128
Travelers$39$42$134
State Farm$39$45$164
Progressive$51$59$174
Farmers$60$70$177
Iowa Farm Bureau$42$44$192
Shelter Insurance$69$71$220
Allstate$78$84$262

How do rates in Wichita compare to other large cities in the U.S.?

Car insurance is cheaper in Wichita than in larger cities across the country. Compare Wichita’s monthly average rate of $166 to $279 in Miami or $188 in Phoenix. 

James Brau, professor of finance at Brigham Young University, says that the more risk the insurance company must bear, the higher the premium they must charge to stay in business and make a profit. 

“Large cities tend to present more risk to the insurance companies than rural areas. Large cities have more people, more cars and higher chances of getting in wrecks or having other damage done to vehicles,” Brau says. “As such, insurance firms must charge higher premiums in cities. Cities that are relatively more dangerous, in turn, must charge higher premiums than cities that are not as risky. Insurance companies study damage losses per metropolitan area and assign premiums depending on the number of wrecks in an area.”

See how much you can expect to pay for car insurance in several major U.S. cities in the table below.

Monthly full-coverage car insurance costs in major U.S. metropolitan areas

CityAverage monthly premiums
Albuquerque$186
Atlanta$206
Austin$161
Bakersfield$206
Chicago$161
Colorado Springs$196
Dallas$190
Fresno$199
Houston$193
Kansas City$180
Long Beach$223
Los Angeles$262
Mesa$165
Miami$279
Milwaukee$168
Minneapolis$182
New York$217
Oakland$234
Omaha$162
Philadelphia$232
Phoenix$188
Raleigh$142
Sacramento$222
San Antonio$182
San Diego$194
San Jose$200
Tampa$261
Tucson$157
Tulsa$195
Virginia Beach$121
Wichita$166

Here’s what you need to know when driving in Wichita

Wichita drivers spend an average of 18 minutes commuting to work each way. 

Here are a few tips for drivers in Wichita:

  • Use a maps app to get directions even if you know where you’re going because the map can help you avoid traffic.
  • Rush hour runs from 7:30-9 a.m. and 4-6 p.m. If possible, avoid the roads during these times. 

And there are a few city restrictions in Wichita. Miscellaneous driving restrictions in the city of Wichita, Kansas:

  • It’s illegal to follow an active emergency vehicle. Instead, you must leave at least 500 feet of space. 
  • You must drive in the right lane unless you pass another vehicle or on a road with at least three marked lanes. 

How much car insurance do I need in Wichita?

In Wichita, the car insurance requirements follow the state of Kansas guidelines. Here is a look at the required minimum coverage amounts:

  • $25,000 in bodily injury for a person and $50,000 for bodily injury per accident
  • $25,000 in property damage coverage 
  • $25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage
  • Personal injury protection (PIP or No-Fault):
    • $4,500/person for medical expenses
    • $900/month for one year for disability/loss of income
    • $25/day for in-home services
    • $2,000 for funeral, burial or cremation expense
    • $4,500 for rehabilitation expense
  • Survivor benefits: Disability/loss of income up to $900/month for one year
  • In-home services up to $25/day for one year

Additionally, you must have a personal injury protection policy (PIP), that meets the following requirements:

  • $4,500 per person for medical expenses
  • $900 per month for one year for disability or loss of income
  • $25 per day for in-home services
  • $2,000 for funeral, burial, or cremation expenses
  • $4,500 for rehabilitation expenses

Average cost of car insurance in Wichita

The average annual cost of full coverage car insurance in Wichita is $1,987 –  $87 a year higher than the Kansas statewide average of $1,900. That’s quite a bit higher than the nationwide average of $1,895.

Annual average rates in Wichita for state minimum coverage and full coverage

State minimum coverage in WichitaAnnual full coverage rates in Wichita
$568$1,987

Cheapest car insurance in Wichita by age

Car insurance for young drivers in Wichita can get expensive – the annual rate for an 18-year-old is $6,204 per year for a full coverage policy. Plan for rates to start to head down at age 25 and back up in your late 60s.  See more rates by age in the table below.

TABLE: Annual rates for state minimum and full coverage car insurance in Wichita, by age

AgeState minimum coverageFull coverage
18$1,834$6,204
25$651$2,327
40$568$1,987
65$532$1,758

Compare auto insurance rates in Wichita by ZIP code 

Where you live also plays a role in car insurance costs. In Wichita, the cheapest ZIP codes for car insurance are 67235, 67232 and 67230. The most expensive are 67276, 67214 and 67202. 

See the tables below for the cheapest and most expensive ZIP codes for car insurance in Wichita. 

Cheapest annual car insurance rates in Wichita, by ZIP code 

ZIP codeAverage annual rate for full coverage
67235$1,900
67232$1,901
67230$1,904
67223$1,921
67205$1,924
67227$1,924
67226$1,935
67228$1,940
67212$1,940
67206$1,950

Most expensive annual car insurance rates in Wichita, by ZIP code 

ZIP codeAverage annual rate for full coverage
67276$2,094
67214$2,088
67202$2,073
67211$2,065
67213$2,065
67203$2,056
67218$2,051
67216$2,022
67208$2,016
67217$2,014

Our recommendations: Car insurance for drivers in Wichita

Wichita drivers tend to find the cheapest car insurance with USAA. But not everyone can work with this company, so it’s essential to shop around to find the most affordable option. 

As you explore your options, don’t forget to review the policy details to confirm you get the coverage you need. It’s always a good idea to opt for coverage that offers the financial protection you need. 

Many drivers get the most value from a full coverage insurance policy with liability limits of 100/300/100. But as you accumulate wealth, consider choosing higher liability limits. Robust coverage can give you the peace of mind you need as you navigate Wichita roads. 

expert

What our expert says

Q. Why do insurance rates vary from city to city?

expert-image
Dr. James BrauJoel C. Peterson Professor of Finance Brigham Young University
“Large cities tend to present more risk to the insurance companies than rural areas. Large cities have more people, more cars and higher chances of getting in wrecks or having other damage done to vehicles. As such, insurance firms must charge higher premiums in cities. Cities that are relatively more dangerous, in turn, must charge higher premiums than cities that are not as risky. Insurance companies study damage losses per metropolitan area and assign premiums depending on the number of wrecks in an area.”

Resources & Methodology

Sources:

Best Places “Wichita.” Accessed February 2024.

Census Bureau “Wichita.” Accessed February 2024.

Insurance Information Institute. “What determines the price of an auto insurance policy.” Accessed February 2024.

Kansas Insurance Department. “Insurance Requirements.” Accessed February 2024. 

Municipal Code of Wichita “Chapter 11.” Accessed February 2024.

Methodology

In 2024, Insure.com commissioned Quadrant Information Services to pull rates for a 40-year-old who has a 12-mile commute and drives a 2023 Honda Accord LX 10k miles annually. The hypothetical driver has full coverage, carrying policy limits of 100/300/100 with $500 deductibles for comprehensive and collision coverages. We analyzed 51,088,003 insurance quotes from 167 companies across 34,588 ZIP codes in every state and Washington, D.C.

author image
Sarah Sharkey
Contributing Researcher

 
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Sarah Sharkey is a personal finance writer with a master’s degree in management from the Hough School of Business at the University of Florida. She enjoys helping readers find money solutions that work. She has written for numerous personal-finance publications including Money Under 30 and The College Investor.