Best Wichita, KS Auto Insurance in 2024 (Find the Top 10 Companies Here)
Get the best Wichita, KS auto insurance for as low as $42 per month with Auto-Owners, American Family, and Progressive. These insurers offer the most affordable coverage with customized options. You can read more through our guide to find the best coverage choices for your vehicle needs in Wichita, Kansas.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Nov 22, 2024
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The best Wichita, KS auto insurance is Auto-Owners with a very affordable rate starting at $42 per month. Closely followed by American Family and Progressive which offers premium coverage as well.
Cheap auto insurance providers like Auto-Owners offer some of the lowest rates, with premiums starting at just $00 per month, making them a popular choice for cost-conscious drivers.
Our Top 10 Company Picks: Best Wichita, KS Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Affordable Rates Auto-Owners
#2 25% A Comprehensive Coverage American Family
#3 10% A+ Competitive Rates Progressive
#4 17% B Local Presence State Farm
#5 25% A++ Online Claims Geico
#6 25% A Customizable Coverage Liberty Mutual
#7 15% A Affordable Liability Safeco
#8 20% A Personal Service Farmers
#9 25% A High-Risk Drivers The General
#10 10% A- Non-Standard Coverage Bristol West
Read more through our guide below to understand more the different coverages offer by insurance providers, and find the most dependable premium that perfectly fit your vehicle needs in Wichita, Kansas. Enter your ZIP code now to begin.
#1 – Auto-Owners: Top Overall Pick
Pros
- Affordable Coverage: Premiums starting at $42/month, Auto-Owners offers one of the best options for budget-friendly car insurance in Wichita, Kansas.
- Dependable Service: Known for excellent customer support, Auto-Owners ensures Wichita drivers experience smooth claims processing and assistance with coverage.
- Variety of Options: Auto-Owners offers policies to suit diverse needs, making it a solid choice for tailored protection.
Cons
- Limited Availability: Although affordable, Auto-Owners may not be available everywhere in Wichita. Read more through our Auto-Owners auto insurance review.
- Lack of Digital Tools: The insurer’s online tools are less developed compared to others, which might be inconvenient for tech-savvy drivers.
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#2 – American Family: Best for Comprehensive Coverage
Pros
- Comprehensive Protection: American Family offers premium coverage, ensuring excellent protection for Wichita drivers.
- High Satisfaction: Known for strong customer service, American Family provides Wichita drivers great support when selecting coverage.
- Bundling Discounts: Offers discounts when bundling home and auto policies, making it cost-effective for Wichita homeowners.
Cons
- Higher Premiums for Low Credit: Premiums can be less affordable for drivers with low credit scores in Wichita. Read our American Family auto insurance review for more.
- Limited Online Resources: American Family’s online tools fall short compared to digital-first providers, which could be a downside for online users.
#3 – Progressive: Best for Competitive Rates
Pros
- Competitive Rates: Progressive provides some of the best rates for Wichita drivers, offering flexible coverage for different budgets.
- Customizable Coverage: Progressive offers various options to adjust policies to Wichita drivers’ needs, making it ideal for personalized protection.
- User-Friendly Technology: With excellent online tools, Progressive lets Wichita drivers easily manage policies and claims. For insights, refer to our “Progressive Auto Insurance Review.”
Cons
- Potential for Premium Increases: Progressive might raise premiums significantly after an accident, which can affect long-term affordability.
- Mixed Claims Experience: Some drivers report issues with claims processing, which could be a disadvantage for Wichita residents.
#4 – State Farm: Best for Local Presence
Pros
- Strong Local Support: With a large network of agents, State Farm offers personal service for Wichita drivers seeking in-person guidance.
- Discounts for Safe Driving: State Farm rewards safe drivers, making it a cost-effective choice for Wichita drivers with clean records.
- Wide Range of Coverage: State Farm offers flexible coverage plans, providing excellent options for Wichita drivers.
Cons
- Limited Digital Resources: State Farm’s online tools aren’t as advanced as some other insurers, which might be inconvenient for Wichita drivers preferring digital service.
- Higher Premiums for Young Drivers: Younger drivers in Wichita may face higher rates compared to older drivers. Learn more in our “State Farm Auto Insurance Review” article.
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#5 – Geico: Best for Online Claims
Pros
- Affordable for Clean Drivers: Geico offers some of the lowest rates for drivers with clean records, making it one of the best options for Wichita residents.
- 24/7 Availability: Geico’s round-the-clock service ensures Wichita drivers can get assistance anytime. For more information, browse our Geico auto insurance review.
- Convenient Online Tools: With a strong online presence, Geico makes managing policies and filing claims seamless for Wichita drivers.
Cons
- No In-Person Support: Geico lacks a physical agent network, which could be a drawback for Wichita residents who prefer in-person consultations.
- Limited Discount Options: Geico offers fewer discounts, which could impact savings for Wichita drivers.
#6 – Liberty Mutual: Best for Customizable Coverage
Pros
- Flexible Coverage: Liberty Mutual offers customizable coverage, making it a great choice for Wichita drivers seeking tailored protection.
- Great Digital Tools: Liberty Mutual’s user-friendly app and website make managing policies easy for Wichita drivers. To learn, have a look at our Liberty Mutual auto insurance review.
- Eco-Friendly Discounts: Liberty Mutual offers discounts for electric or hybrid vehicles, making it a great choice for Wichita drivers looking to save and go green.
Cons
- Higher Premiums for Young Drivers: Young drivers may face expensive premiums, making it less affordable for Wichita residents just starting out.
- Claims Process Delays: Some Wichita drivers report longer claims processing times, which could be frustrating in urgent situations.
#7 – Safeco: Best for Affordable Liability
Pros
- Affordable Liability Coverage: Safeco offers some of the most affordable liability-only options, ideal for Wichita drivers seeking budget-friendly coverage.
- Great for Drivers with History: Safeco provides competitive rates for drivers with past accidents, making it a solid option for Wichita residents with less-than-perfect records.
- Payment Flexibility: Safeco offers various payment plans, helping Wichita drivers manage insurance costs.
Cons
- Limited Availability: Safeco may not be available in all parts of Wichita or Kansas, limiting access. Read more through our Safeco auto insurance review.
- Service Issues: Some drivers report slow customer service, which could be frustrating for Wichita residents seeking fast support.
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#8 – Farmers: Best for Personalized Service
Pros
- Personalized Service: Farmers emphasizes customer service, making it ideal for Wichita drivers who value one-on-one guidance.
- Comprehensive Coverage: Offers flexible coverage, ensuring that Wichita residents can get the protection they need.
- Multi-Policy Discounts: Drivers who bundle home and auto insurance can save with Farmers, which is great for Wichita homeowners.
Cons
- Higher Premiums for Young Drivers: Younger drivers may face higher premiums, making it less affordable for this group in Wichita.
- Not Always the Cheapest: Farmers may not always offer the most affordable compared to other providers. For additional details, refer to our Farmers auto insurance review.
#9 – The General: Best for High-Risk Drivers
Pros
- Ideal for High-Risk Drivers: The General specializes in high-risk auto insurance, making it a great option for Wichita residents with a less-than-perfect driving history.
- Easy Online Quotes: The General’s quick quote process makes it easy for Wichita drivers to start the search for auto insurance.
- Flexible Payment Options: The General offers multiple payment plans, which is ideal for Wichita drivers looking for flexible ways to pay.
Cons
- Higher Premiums for High-Risk Drivers: The General’s premiums are often higher for drivers with poor records, making it less affordable for some in Wichita.
- Limited Discounts: Offers fewer discount options compared to other insurers, which may affect Wichita drivers. Read more to know about The General auto insurance review.
#10 – Bristol West: Best for Non-Standard Coverage
Pros
- Specialized Non-Standard Coverage: Bristol West offers non-standard coverage, making it ideal for Wichita drivers with unique insurance needs.
- Low Initial Premiums: Premiums start affordably, making it a great option for drivers in Wichita looking for a cost-effective start.
- Multiple Policy Options: Offers a wide range of coverage choices, allowing Wichita drivers to tailor their policy. Read more to know about the different Kansas auto insurances.
Cons
- Higher Renewal Rates: After the initial term, Bristol West’s renewal rates tend to rise, which could affect long-term affordability for Wichita drivers.
- Customer Service Delays: Some Wichita drivers report slow service, which could be a drawback when filing claims or seeking support.
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Kansas Auto Insurance Coverage Requirements
But remember that liability coverage is extremely limited. Your liability insurance will only pay out claims in the event that you get into an accident which you are deemed liable for or if the accident is your fault.
Wichita, KS Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$47 $120
$44 $115
$52 $132
$46 $123
$45 $125
$50 $135
$49 $130
$48 $128
$42 $118
$51 $140
If your car is stolen or you’re in an accident caused by someone else, your insurance might not cover the claim. However, a “switching provider discount” could lower your premiums when you switch, helping with coverage costs.
Depending on many different factors, some Kansas motorists can expect to pay as high as $113/month for their automotive insurance premiums.
Auto Insurance Discounts From the Top Providers in Wichita, KS
Insurance Company Available Discounts
Good Student Discount, Early Signing Discount, Defensive Driving Discount, Generational Discount
Multi-Policy Discount, Paid-in-Full Discount, Safe Driver Discount, Homeowner Discount
Continuous Insurance Discount, Homeowner Discount, Prior Coverage Discount, Paperless Discount
Smart Driver Discount, Homeowner Discount, Multi-Policy Discount, Good Student Discount
Military Discount, Good Student Discount, Multi-Vehicle Discount, Federal Employee Discount
New Car Discount, Vehicle Safety Features Discount, Better Car Replacement, Multi-Car Discount
Snapshot Program, Multi-Car Discount, Homeowner Discount, Continuous Coverage Discount
RightTrack Program Discount, Claims-Free Discount, Multi-Policy Discount, Homeowner Discount
Drive Safe & Save, Multi-Policy Discount, Accident-Free Discount, Student Discount
Multi-Car Discount, Good Student Discount, Safe Driving Discount, Prior Coverage Discount
However, the average driver in Wichita with a good credit history and a clean record can get insured for around $32 per month from some of the top Kansas car insurance companies. Enter your ZIP code now to begin comparing rates.
Most Affordable Car Insurance in Wichita, Kansas
There are a variety of companies offering competitive rates, such as Allstate Wichita, KS, Geico Insurance Wichita, KS, State Farm Insurance Wichita, KS, Progressive Insurance Wichita, KS and more.
Based on the data, it looks as though Nationwide, Allied, and State Farm are vying for lowest premiums in the state. But keep in mind there are other factors to consider, also.
How good is their customer service record? Are they available 24/7 if you need to file a claim during non-business hours? How high will your monthly rate spike if you get a ticket? All of these questions can change what is and is not affordable based on your circumstances.
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Licensed Insurance Agent
Auto insurance providers in Wichita, KS, consider factors like marital status, accident claims, occupation, and theft protection devices when setting quotes. The types of auto insurance coverage you choose, such as liability or collision, also impact your rates and coverage level.
Also keep in mind that premiums differ from carrier to carrier. To find out whether you’re still getting the most affordable rate, compare the cheapest car insurance in Wichita, KS online. Enter your ZIP code now to begin comparing rates.
Key Considerations for Affordable Car Insurance in Wichita, KS
There are many factors that affect your rate quotes, some of which you can control. For instance, adjusting your comprehensive and collision coverage can help tailor your policy and possibly lower your premiums.
Here are some elements which can affect your car insurance premium:
Your ZIP Code
Where you park your car each night will have a major impact on your auto insurance rate.
Wichita, KS Auto Insurance by ZIP Code
ZIP Rates
66044 $100
66102 $113
66204 $117
66441 $92
66614 $104
67002 $88
67212 $108
67401 $98
67801 $91
67901 $100
Generally, car insurance is cheaper in rural areas because fewer cars means a smaller chance that you will get into a collision with another vehicle. The population of Wichita is 386,552 and the median household income is $43,538.
Automotive Accidents
High accident rates in your ZIP code could equal higher premiums each month.
Fatal Accidents in Wichita, KS
Statistic Count
Fatal accident count 29
Vehicles involved in fatal crashes 48
Fatal crashes involving drunk persons 8
Fatalities 33
Persons involved in fatal crashes 68
Pedestrians involved in fatal accidents 8
Compared with the national average, Wichita’s fatal accident statistics are fairly high, as you can tell from looking at the chart below. Ask your provider about safe driver discounts, which should help lower Wichita, KS auto insurance rates.
Auto Thefts in Wichita
Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities.
The total number of stolen vehicles in Wichita was 1,984 back in 2013. This means that auto thefts are on the rise. Protect your vehicle from theft by making sure you have Comprehensive coverage on your policy.
Your Credit Score
Your credit score can have a bigger impact on your monthly premiums than you might think. Just look at the data presented in the following chart. For someone with excellent credit, their monthly premium is anywhere from 50-75% cheaper than the monthly costs for someone with poor credit.
Your Age
Statistically speaking, young and inexperienced drivers are the most likely to get into an accident. That’s why older drivers get charged lower monthly rates – because the insurance company is not taking on a huge financial risk by insuring them.
Auto Policy Age Comparison in Wichita, KS
Insurance Company 34 Year Old 17 Year Old
$31 $131
$31 $93
$30 $108
$38 $280
$31 $112
If you are a young teenage driver, try looking into good student discounts, as well as Drivers Ed and defensive driving courses.
Your Driving Record
After your credit score, your driving record is the next biggest factor which can alter your monthly premiums.
Driving Violations and Auto Insurance Rates in Wichita, KS
Insurance Company Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident
$31 $41 $54 $84
$31 $31 $31 $39
30 $39 $50 $77
38 $46 $64 $64
$31 $34 $34 $37
Those with a clean driving record will pay substantially lower rates than motorists who have speeding tickets, other moving violations, or serious accidents in their recent past. If you have serious violations, such as a DUI, certain Wichita, KS auto insurance companies may refuse to insure you at all.
Your Vehicle
As this chart shows, there is a significant difference between insuring a regular sedan and a fancy sports car.
Car Insurance Rates by Make/Model
Insurance Company 2015 Honda Accord 2012 Porsche Boxster Spyder
$31 $73
$31 $164
30 $95
38 $162
31 123
A good chunk of that price increase comes from the fact that a luxury automobile will require more than just basic insurance coverage.
Unfortunately for most insurance companies, a simple internet search can reveal many of their trade secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and find affordable auto insurance Wichita, KS.
Make sure you do your due diligence before you commit to your next affordable Wichita, KS auto insurance policy. Enter your ZIP code now to begin comparing rates.
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Frequently Asked Questions
Which auto insurance provider in Wichita, KS, offers premiums starting at $42 per month?
Auto-Owners offers premiums starting as low as $42 per month, making it one of the most affordable options for Wichita drivers. This budget-friendly pricing makes it a popular choice for cost-conscious residents.
What is a key benefit of American Family auto insurance for Wichita drivers?
American Family is known for providing comprehensive coverage options that cater to a wide range of driving needs in Wichita. Enter your ZIP code now to begin comparing rates.
Which provider is known for offering the most competitive rates in Wichita, KS?
When we compare auto insurance companies, we will learn that the provider known for offering the most competitive rates in Wichita, KS is Progressive.
What makes State Farm a good choice for drivers seeking a local presence in Wichita?
State Farm has a large network of local agents, providing Wichita drivers with personalized support and easy access to help when needed. Its presence in the community ensures a more hands-on approach to service.
How does Geico’s 24/7 availability benefit Wichita drivers?
Geico’s 24/7 customer service ensures Wichita drivers can get assistance at any time, even outside of regular business hours. This around-the-clock availability is ideal for emergencies or unexpected situations. Enter your ZIP code now to begin comparing rates.
What type of discount does Liberty Mutual offer for eco-friendly vehicles?
Liberty Mutual offers car insurance discounts for drivers with electric or hybrid vehicles, benefiting eco-conscious Wichita residents.
This not only encourages sustainability but also allows drivers to save on premiums, making it an attractive option for those looking to reduce their environmental impact while lowering insurance costs.
Which insurance provider is best for Wichita drivers looking for affordable liability coverage?
Safeco is known for offering affordable liability-only coverage options, making it a great choice for Wichita drivers who need budget-friendly, essential protection. It’s especially suitable for drivers looking to meet minimum coverage requirements.
How does Safeco’s payment flexibility help drivers in Wichita?
Safeco makes it easier for Wichita drivers to manage their premiums by offering variety of payment plans. Enter your ZIP code now to begin comparing rates.
Why is Farmers Insurance a good option for Wichita residents who want personalized service?
Farmers insurance is known for its customer service, with agents offering tailored advice to meet the specific needs of Wichita drivers.
This one-on-one service makes it a reliable choice for those seeking individualized attention, especially when looking for cheap auto insurance options that don’t compromise on personalized care.
What kind of coverage does Bristol West specialize in for Wichita drivers?
Bristol West specializes in non-standard auto insurance coverage, ideal for Wichita drivers with unique or high-risk needs. This makes it a great option for those who may struggle to find coverage with other insurers.