Best Wichita, KS Auto Insurance in 2025 (Find the Top 10 Companies Here)

Auto-Owners, American Family, and Progressive offer the best Wichita, KS auto insurance, with rates starting at $42 per month and Auto-Owners ranked as the top pick overall.

It leads with strong customer service and reliable auto insurance coverage options. American Family provides valuable bundling discounts, while Progressive delivers flexible, affordable plans.

Our Top 10 Company Picks: Best Wichita, KS Auto Insurance

These companies offer the best balance of cost, coverage, and customer satisfaction, making them ideal choices for Wichita drivers looking for both value and dependable protection.

Paying more than you should for auto insurance? Just enter your ZIP code to compare top-rated providers in Wichita and find out if a better deal is waiting for you.

#1 – Auto-Owners: Top Overall Pick

Pros

• Affordable Coverage: With premiums starting at as low as $42 a month, Auto-Owners insurance provides one of the better value options for low-cost car insurance in Wichita, Kansas.
• Dependable Service: With a reputation for top-notch customer support, Auto-Owners makes sure Wichita drivers have a seamless time with claims and coverage assistance.
• Variety of Options: With wide policy choices, Auto-Owners is a great option for people seeking individualized coverage. Learn more in our Auto-Owners auto insurance review.

Cons

• Limited Availability: Although affordable, Auto-Owners may not be available everywhere in Wichita.
• 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 specializes in high level of content, giving top notch protection for Wichita individuals.
• High Satisfaction: An insurer with a reputation for excellent customer service, American Family offers Wichita drivers a high level of support when picking coverage.
• Bundling Discounts: Wichita homeowners can save money by bundling home and auto policies. For more, read our American Family auto insurance review.

Cons

• Higher Premiums for Low Credit: Premiums can be less affordable for drivers with low credit scores in Wichita.
• 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 features some of the lowest rates compared to insurance carriers in Wichita, while offering customized coverage for all types of needs and budgets.
• Customizable Coverage: Progressive provides many ways to tailor policies around the specific needs of Wichita drivers, making it a great option for personalized protection.
• User-Friendly Technology: Progressive equips Wichita customers with user-friendly digital tools to help you manage your policy and file claims. To learn more Progressive auto insurance review.

Cons

• Potential for Premium Increases: Progressive may increase premiums more significantly than other insurers after an accident, which could impact 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: State Farm features a far-reaching network of agents that can offer personalized help to Wichita drivers when they need assistance in person.
• Discounts for Safe Driving: State Farm values safe drivers, making it an affordable choice for Wichita drivers with clean records.
• Wide Range of Coverage: The flexible insurance plan offered by State Farm makes it an exceptional choice for Wichita drivers. Read more our review of State Farm auto insurance.

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.
• Young Drivers pay More on Average: Young drivers in Wichita might pay rates that are higher than older motorists.

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#5 – Geico: Best for Online Claims

Pros

• Affordable for Clean Drivers: Geico has one of the cheapest premiums for drivers with clean driving records, which makes it one of the best options for people in Wichita.
• 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: Geico boasts a robust online presence, allowing Wichita drivers to manage their policies and file claims with ease

Cons

• Absence of In-Person Support: Geico functions without a network of agents, which could be detrimental to people in Wichita who prefer to meet in person.
• Limited Discount Opportunities: For Wichita drivers, Geico’s fewer discounts may result in lost savings.

#6 – Liberty Mutual: Best for Customizable Coverage

Pros

• Flexible Coverage: Liberty Mutual has flexible coverage options to help you customize the right protection for your needs.
• Great Digital Tools: Liberty Mutual’s app and website are easy to use for Wichita drivers and policyholders. To find out more, check out our Liberty Mutual auto insurance review.
• Eco-Friendly Discounts: With discounts available for electric or hybrid vehicles, Liberty Mutual appeals to those Wichitans who want to save money and treat Mother Earth kindly.

Cons

• Limited Local Agents: Liberty Mutual has fewer in-person agents in Wichita compared to other insurers, which could be inconvenient for those who prefer face-to-face service.
• 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: If you only need liability coverage, Safeco provides some of the cheapest rates on the market — a great option for Wichita drivers on a budget.
• Great for Drivers with History: Safeco offers strong rates no matter your driving history, so it’s a great option for Wichita drivers who have had an accident or two in the past.
• Payment Flexibility: To help Wichita drivers manage insurance costs, Safeco offers flexible payment plans. See our Safeco auto insurance review for details.

Cons

• Limited Availability: Safeco coverage and insurance products may not provide coverage or be offered in every area of Wichita or Kansas, leading to limited availability.
• 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 puts a premium on customer service, making the provider a great fit for Wichita drivers looking for more one-on-one guidance.
• Comprehensive Coverage: Provides flexible coverage to ensure Wichita residents receive the protection they require. For more information, see our Farmers auto insurance review.
• Multi-Policy Discounts: Drivers who bundle home and auto insurance can save with Farmers, which is great for Wichita homeowners.

Cons

• Fewer Discounts Available: Compared to some other insurers, Farmers offers fewer discount opportunities, which might limit potential savings for Wichita residents.
• Value Comes at a Price: While service and coverage are solid, Farmers tends to cost more than some other providers.

#9 – The General: Best for High-Risk Drivers

Pros

• Ideal for High-Risk Drivers: The General focuses on high-risk auto insurance, making it an excellent choice if you don’t have an unimpeachable driving record in Wichita.
• Easy Online Quotes: Wichita drivers can use the General’s quick quote process to begin the search for auto insurance. To find out more, The General auto insurance review.
• Flexible Payment Options: The General also provides Wichita drivers with more than one payment plan, so you can select what payment plan is best for you.

Cons

• Higher Premiums for High-Risk Drivers: The General’s premiums tend to be high for drivers with bad records, making it less accessible to some in Wichita.
• Limited Discounts: Offers fewer discount options compared to other insurers, which may affect Wichita drivers.

#10 – Bristol West: Best for Non-Standard Coverage

Pros

• Specialized Non-Standard Coverage: Bristol West specializes in non-standard coverage, which makes it a good fit for Wichita drivers with unique 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: Provides a range of policy options for Wichita drivers, which can help drivers find cheap auto insurance in Kansas.

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

Wichita, KS Report Card: Auto Insurance Premiums

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

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.

Wichita, KS Auto Accident & Insurance Claim Statistics

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.

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

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

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

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

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

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.