Best cheap car insurance in Wichita

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Car insurance is legally required for the over 2 million licensed drivers in Kansas, with average rates for Wichita around $513 per year for minimum liability-only coverage and $1,776 per year for full coverage. With over 40% of households in Wichita having two cars, it can pay to shop around to find the best car insurance with the cheapest rates.

After collecting data on providers in Wichita, including the average cost of car insurance and customer satisfaction scores, Bankrate has come up with the best cheap car insurance companies for Wichita drivers.

Best car insurance companies in Wichita

The following insurance companies were chosen because of their low cost for car insurance and high customer service and satisfaction ratings in the 2020 J.D. Power Auto Claims Study. When it comes to purchasing the best car insurance in Wichita, drivers may consider their cheapest options which companies have strong customer service ratings to choose the best cheap car insurance policy available.

Insurance Company J.D. Power Score Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Allstate 876 / 1000 $537 $1,729
American Family 862 / 1000 $654 $1,973
Auto-Owners 890 / 1000 $319 $1,274
Farmers 872 / 1000 $448 $1,343
State Farm 881 / 1000 $436 $1,282

Allstate

Allstate offers cheap car insurance to Wichita residents slightly above the average cost for Kansas drivers, but has multiple coverage and discount options to help fit your budget. Allstate received a score of 876 out of 1,000 on the 2020 J.D. Power U.S. Auto Claims Satisfaction Study, which is higher than the industry average. Its score is a positive indicator of Allstate’s ability to handle and pay out claims within a timely manner for its policyholders. With countrywide coverage, Allstate offers great coverage at affordable rates for Wichita drivers.

American Family

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. The insurer offers home and life insurance to provide multiple policy offerings for those who take advantage of bundling discounts. With cheap car insurance rates and average to better customer service ratings, American Family is a good choice for drivers in Wichita.

Auto-Owners

Auto-Owners has the lowest rates compared to the other four companies on our list for best car insurance companies in Wichita. However, its lower rates are not offered in substitution for its customer satisfaction. Auto-Owners has received some of the highest marks on the 2020 J.D. Power studies, ranking number one with a score of 868 for the Central region in the auto insurance study and ranking third of 25 companies for the insurance claims study. Based on our collected data and 2020 J.D. Power scores, Auto-Owners may be offering the cheapest rates for drivers in Wichita, Kansas.

Farmers

Farmers insurance offers rates closely aligned with the state average and has positive customer service to match. Farmers agents are experienced in dealing with when disaster hits, which is something to keep in mind when choosing which car insurance company to choose in Wichita due to the high likelihood of storms. According to the insurer’s site, its agents go through rigorous training before ever selling policies to drivers.

Farmers’ cheap rates and good customer satisfaction scores give it the seventh spot in most car insurance written in Kansas, with 5.5% market share.

State Farm

State Farm has the largest market share in the U.S., making it the #1 car insurance company in the state of Kansas with 17.9% market share. Although State Farm is the largest insurer in Kansas, it still offers some of the cheapest rates for car insurance at $436 per year for minimum coverage and $1,282 per year for full coverage.

On the 2020 J.D. Power Auto Claims Study, State Farm ranked sixth out of all the companies surveyed with 881 points. State Farm also earned the fifth spot in the Central Region with 849 points. With a wide variety of insurance products and discounts available, State Farm could be a great option available for Wichita drivers seeking coverage options like rideshare as well as additional ways to save.

Cheapest car insurance in Wichita

The table below shows the cheapest car insurance companies’ average annual premiums for drivers in Wichita. Most of the carriers have lower average rates than the national average cost of car insurance, which is $510 per year for minimum and $1,698 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 company could also fall in line with finding the best company for your needs.

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA $308 $1,210
Auto-Owners $319 $1,274
State Farm $436 $1,282
Farmers $448 $1,343
Allstate $537 $1,729

USAA offers the cheapest average annual premiums and also got the highest ranking on the Central Region Study, though 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
  • $50,000 per accident for bodily injury
  • $25,000 per accident for property damage

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, ask if you are eligible for:

  • Accident-Free/Clean driving record: If you have a clean driving record, you can save even more for being a safe driver.
  • Good Student Discount: Licensed student drivers under 25 years old can get a discount for good grades.
  • Motor Vehicle Accident Prevention Course: While not offered in every state, Wichita drivers can 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 can 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.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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

Rates are determined based on 2020 Quadrant Information Services data.

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.