Car insurance is legally required for the over 2 million licensed drivers in Kansas, which makes finding affordable car insurance an important task for many drivers in its largest city. Both Auto-Owners and State Farm offer some of the cheapest car insurance in Wichita. According to Bankrate’s 2021 study of quoted annual premiums, the average rates for Wichita average $513 per year for minimum liability-only coverage and $1,776 per year for full coverage. With nearly 40% of households in Wichita having two cars, it could pay to shop around to find the best car insurance with the cheapest rates.
Bankrate’s insurance editorial team identifies the best car insurance companies by using an in-depth analysis of several essential factors, including available coverage, pricing, discounts, and third-party ratings. Based on these factors and more, the following companies are the best cheap car insurance in Wichita worth considering for 2022.
Best cheap car insurance companies in Wichita
The best cheap car insurance companies in Wichita, Kansas, are based on several factors. We look to third-party ratings such as AM Best for financial strength and the 2021 J.D. Power Auto Insurance Study for customer satisfaction. When combined with average quoted premiums gathered from Quadrant Information Services, these are some of the best cheap car insurance companies for your Wichita auto insurance policy.
|Insurance company||J.D. Power Score (Central region)||Average annual premium for minimum coverage||Average annual premium for full coverage|
Featuring the cheapest rates on our auto insurance, Auto-Owners also holds above-average customer satisfaction scores. Coverage options are plentiful, too, with several additional protections that you can purchase for a more well-rounded policy. Choose from new car replacement, road trouble service and loan/lease gap coverage. The signature Personal Automobile Plus Package combines more than ten different types of car insurance coverage, such as identity theft and cell phone coverage.
Learn more: Auto-Owners Insurance review
With the largest market share in the country, State Farm offers some of the cheapest rates with an average premium of $1,282 per year for full coverage. With a wide variety of insurance products and discounts available, State Farm could be a great option available for Wichita drivers seeking additional ways to save on different policies. You might also expect great customer service based on State Farm’s high-ranking customer satisfaction scores in the 2021 J.D. Power Auto Insurance study.
Learn more: State Farm Insurance review
When you choose Farmer’s for auto insurance, the average minimum coverage policy costs less than $500 per year. Farmers agents are experienced in dealing with when disaster hits, which is something to keep in mind when choosing a car insurance company in Wichita due to the high likelihood of storms. According to the insurer’s site, its agents go through best-in-class training before ever selling policies to drivers. Farmers’ knowledgeable agents are likely one reason why the company is the second-highest rated for customer satisfaction from J.D. Power.
Learn more: Farmers Insurance review
Allstate receives below-average customer satisfaction scores for the Central region, but it remains a popular carrier in Wichita for its cheap rates. It also offers excellent auto insurance options, including its Drivewise program that uses telematics-based data to save you money for safe driving. With countrywide coverage, Allstate offers great coverage at affordable rates for Wichita drivers.
Learn more: Allstate Insurance review
American Family’s customer satisfaction scores hover around the average score for the region. However, as the ninth-largest car insurer in the country, American Family offers cheap coverage with lots of opportunities for discounts to further reduce the cost of car insurance in Wichita. You could bundle home and auto insurance to take advantage of the bundling discount. With cheap car insurance rates and average to better customer service ratings, American Family is a good choice to consider for drivers in Wichita.
Learn more: American Family Insurance review
Cheapest car insurance in Wichita
The table below shows the average annual premiums for the largest, cheapest car insurance companies in Wichita, based on market share. Most of the carriers have lower average rates than the national average cost of car insurance, which is $565 per year for minimum and $1,674 per year for full coverage.
Four out of five of the companies below also made our best car insurance companies list, so finding the cheapest car insurance carrier could not only save you money, but also help you find the right coverage for your needs. In fact, Wichita drivers pay more than the average cost of Kansas car insurance, making it that much more important that you find auto insurance that adequately meets your needs.
|Insurance Company||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
USAA offers the cheapest average annual premiums on our list and also earns the highest score in the Central region for overall customer satisfaction, although coverage is only available to military members, veterans and their families.
Each company offers multiple insurance products, discounts and coverage options to fit most household needs and budgets. All have A or better financial ratings with A.M. Best and the Better Business Bureau, which shows excellent financial strength and ability to pay claims.
Wichita insurance requirements
Like most states, Kansas has required minimum liability insurance coverage limits each vehicle must have. The state has a 25/50/25 minimum coverage limit, allowing for:
- $25,000 per person for bodily injury liability
- $50,000 per accident for bodily injury liability
- $25,000 per accident for property damage liability
- $4,500 per person for personal injury protection (PIP)
- $25,000 per person for uninsured/underinsured motorist coverage
- $50,000 per accident for uninsured/underinsured motorist coverage
Though it can be tempting to get the lowest minimum liability-only coverage for the cheapest rates, that may not be the best financial option. Financed and leased vehicles might be required to carry full coverage to satisfy loan requirements with the lender, for example.
If you are involved in an accident with a lot of property damage or injuries, the low policy limits of minimum coverage might not cover you as fully. However, by comparing cheap rates from some of the best car insurance companies in Kansas and Wichita, you could find the right policy to fit your budget and provide adequate financial protection.
Car insurance discounts in Wichita
Applying discounts to your car insurance is a great way to get cheaper rates from top auto insurance companies in Wichita, Kansas. When looking for cheap car insurance quotes, consider asking if you are eligible for:
- Accident-free/Clean driving record: If you have a clean driving record, you can often save even more for being a safe driver.
- Good student discount: Licensed student drivers under 25 years old can usually get a discount for good grades.
- Motor vehicle accident prevention course: While not offered in every state, Wichita drivers may be able to take a defensive driving course for additional savings.
- Multi-car: Drivers can often save on premiums by insuring more than one vehicle with the same insurance provider.
- Multi-policy: If you insure more than one insurance product (car, home, life, recreational vehicles, etc.) with the same company, you could receive a discount for bundling.
Discounts for bundling policies typically offer good savings for drivers because of claim risk being spread out. However, there may be several other discounts and savings you qualify for.
Frequently asked questions
What is the best car insurance company?
You could ask yourself what is most important to you when purchasing insurance: cost, claims experience, mobile accessibility, special coverages. Once you know what is most important, you could more easily begin to find the best car insurance company for your household needs and budget.
How much does car insurance in Wichita cost?
Car insurance premiums are different for each company, though Wichita has slightly higher rates than the average annual rate in Kansas. While the city’s rates are still lower than the national average, drivers can find rates for their budget by comparing quotes online.
How much car insurance do I need in Wichita?
How much coverage you need depends on if you own your car without a lease or loan and how much financial protection you need. Our average rates are based on higher liability limits than Kansas requires so Wichita drivers may be able to find better coverage options for more affordable premiums.
What is full coverage car insurance?
Although most drivers are only required to carry minimum liability, full coverage car insurance is often a better bet. The average full coverage policy includes extended protections for your auto insurance, in addition to required types of car insurance like liability coverage. Before you purchase an auto insurance policy, you may want to your agent about what coverage is best for you.
How do I buy the best Wichita car insurance?
To find the cheapest Wichita car insurance for you, it may be worth taking the time to find and compare top auto insurance quotes. Consider not only the cheapest car insurance companies, but also the ones with the best third-party ratings and coverage options for your needs.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.