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9 Best Companies for Auto Insurance in Wichita, KS

Get Auto Insurance Quotes From Top Providers
Tip: Choose 2-3 companies

Quick Look – Best Auto Insurance Companies in Wichita

  1. 21st Century: Best overall
  2. Hanover: Cheapest
  3. AAA: Multiple Cars
  4. USAA: Military personnel

Wichita Auto Insurance Overview

You’ll find lots of car insurance options in Wichita — whether you’re looking for a new policy or want to lower your current rates. It can be a daunting task to start evaluating all the options available but our comprehensive insurance coverage will get you pointed in the right direction.

Most households in Wichita have 2 cars on average and Kansas requires you to have a minimum amount of car insurance to drive. The minimum amounts required in Wichita are: 

  • $25,000 in bodily injury per person per accident
  • $50,000 in bodily injury for all persons per accident
  • $10,000 in property damage liability
  • $25,000/$50,000 in uninsured motorist bodily injury coverage
  • $4,500 in basic personal injury protection per person

Bodily injury insurance pays for:

  • Medical expenses, which cover the costs of everything from emergency visits to crutches or aftercare. 
  • Lost income and wages, which covers any money that you miss out on due to an accident.
  • Legal fees, if you end up needing to go to court.

Property damage liability pays for damage to someone else’s vehicle or property caused during an accident. 

Uninsured motorist coverage pays for medical bills and car repairs for those involved in an accident with someone who doesn’t have car insurance. Underinsured motorist coverage pays for expenses if you’re in an accident with someone whose coverage has liability limits that aren’t enough to cover damages after an accident. 

Auto insurance rates for Wichita are $1,538 for full coverage and $575 for minimum coverage.

Wichita Auto Insurance Law Explained

Don’t carry auto insurance? Expect to face fines and even jail time, depending on how often the violations occur. Kansas is a no-fault state, which means that insurers pay for injury claims (up to a specific predetermined amount) regardless of which driver causes the accident. 

Kansas state law requires you to carry proof of auto insurance in your vehicle and show it if a law officer requests it. You’ll have a Class B misdemeanor on your record if you’re caught without it, which could lead to $1,000 in fines and 6 months of jail time for a first-time offense. Fines increase to $2,500 if a second offense occurs within 3 years of the first conviction. You can lose your registration and license and there are fees to reinstate both.

Wichita Traffic Laws You Should Know

Kansas implemented stricter hands-free device laws in 2017 to crack down on distracted driving — it’s now against the law to text or email behind the wheel. 

There are also punishments for excessive moving violations. You can lose your driving privileges after 3 or more moving violations in the span of 1 year if you’re a Kansas resident. Driving or riding without seat belts (for all passengers) is considered a primary violation. It’s also illegal to cover any aspect of a license plate or obscure its visibility or reflectivity. 

Wichita Auto Insurance Rates per Vehicle

The most popular vehicle in Kansas is the Ford F-150, and depending on the type of car you drive, you might see changes in your insurance policy. Higher-risk cars can spike your insurance rates. Vehicles with a higher likelihood of being stolen (like the Ford F-150) can have a higher purchase price, repair costs and/or accident rates. Insurers also flag vehicles that are in more accidents or have a history of high claims.

Auto Insurance Rates by Credit Score

Pat yourself on the back if you have a high credit score — you’ll find that it’s easier to get cheaper car insurance. But what happens if you have a low credit score? You’ll need to figure out how to raise your credit score so you can lower your auto insurance rate later on. 

Statistics claim that you’re a higher risk for filing more claims, inflating your claims and even committing insurance fraud when you have a credit score under 600. Here are the lowest rates for state minimum coverage in relation to your credit score.

Credit ScoreCheapest ProviderRate for State Minimum Coverage
Poor 300–579American Family     $1,747
Fair 580–669Allied  $1,453
Good 670–739Allied  $886
Excellent 740+Allied$747

Insurance for Drivers with a Clean Record

You’ll be able to get cheaper insurance rates if your insurer thinks you’re a good driver with a clean record. You’ll also receive various discounts, depending on the insurance policy you choose. No tickets, past driving infractions or arrests will help you find the cheapest policy available.

Insurance CompanyState Minimum InsuranceStandard CoverageFull Coverage
Travelers$390$974$1,256
American Family$407$1,024
$1,254
State Farm  $395$1,069$1,345
GEICO$875
$1,101
$1,345
Farmers$1,587
$1,687
$1,897

Insurance Rates with Driving Infractions

Driving infractions and points on your license affect insurance rates. Speeding at any level could result in points on your license (it can range from 2 points to 6, depending on how fast you speed), which means you’re also guilty of a moving violation. It’ll also make your insurance rates increase. 

Driving under the influence of drugs or alcohol, reckless driving and avoiding the police will get you the most points on your license. Running a red light, driving on the shoulder, not signaling when changing lanes and many others are some of the more common driving infractions you’ll want to avoid. 

Insurance CompanyAt-Fault Accident Speed Violation DUI
State Farm  $1,241$1,025
$5,452
American Family$1,216$1,025
$3,547
Travelers     $1,655$1,148
$3,658
GEICO$1,854
$1,598
$3,587
Farmers$3,395$2,858
$4,929

Best Auto Insurance Providers in Wichita 

There are plenty of insurance providers available in Wichita, so it can be tricky to narrow down the best options. Our research team did some of the heavy lifting and sorting to help you narrow your insurance decisions. Below, you’ll not only find the cheapest auto insurance — you’ll also find the best fit for you.

1. Best Overall: 21st Century

21st Century, part of Farmers Insurance, offers a low quote at $1,054 for a 1-year policy and other various perks and discounts.

Drivers can get vehicle replacements and roadside assistance and accident forgiveness.

There are also various discounts to help drivers get cheaper rates, such as an anti-theft device discount, a multi-policy discount, a defensive driving course discount, a good student discount, a loyalty discount and a safety device discount. 

2. Cheapest Auto Insurance: Hanover

Hanover is not just a top option for insurance in Wichita — it’s the cheapest option you can find in the state.

The insurer also offers accident forgiveness and roadside assistance available as well as various discounts and perks.

The 1-year policy quote is $984, and drivers can get original equipment and newer car replacement benefits.

Hanover also offers discounts for multi-policy discounts, anti-theft discounts, defensive driving discounts, good student discounts and safety device discounts.

3. Best Coverage for Multiple Cars: AAA

AAA is not only one of the cheaper options for car insurance in Wichita — it’s a top option if you have more than 1 driver in your household.

A 1-year policy can cost $1,100 and includes discounts if you have multiple drivers, anti-theft and safety devices, have taken a defensive driving class, are a good student and more.

Additional benefits for policyholders include new car forgiveness and accident forgiveness. 

4. Best for Military Personnel: USAA

USAA offers auto insurance policies for veterans and qualifying family members, and at $948 for its 1-year policy, it’s one of the cheapest policies available in Wichita.

The policy includes accident forgiveness and roadside assistance.

There are various discounts such as a loyalty discount, a good student discount, a defensive driving discount and more.

Find the Best Auto Insurance Policy

Looking into auto insurance options can be difficult and a bit complex. But there are also a few thngs you can do to get cheaper rates:

  • Pay bills on time and always pay above the lowest amount listed on the bill. This can help boost your credit score if your score is too low and you want to try and get a cheaper rate.
  • You can also choose to pay a lower premium each month with a higher deductible if you want to pay less over a longer period of time.
  • Comprehensive and collision insurance aren’t requirements — you can choose to not put them on your policy if you have an older car. 

Sifting through better and best  — and getting that gem of a policy — can take some time, but if you’re patient, it’s worth it in the end.

Frequently Asked Questions

1) Q: What are the major types of car insurance?

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1) Q: What are the major types of car insurance?
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Liability: The most basic type of auto insurance you can purchase and is required by (nearly) all states. Liability insurance is what covers the damage caused to other people or property other than your own. To learn more about liability insurance read our full article

Comprehensive: An optional coverage option that keeps your vehicle protected in case of theft, fire, vandalism, weather, animals, or acts of nature. 

Collision: This type of coverage pays for damage to your vehicle in an accident with another vehicle or property. If you are leasing or financing your vehicle, you are typically required to pay for collision insurance. 

Uninsured/Underinsured Motorist: Covers you and your passengers if you are involved in an accident with someone who does not have coverage or your injuries or property is damaged beyond the other drivers’ insurance limits. The uninsured motorist also covers your vehicle and passengers if you are involved in a hit and run accident. Each state has different mandates on whether you are required to carry this type of policy. For more policy information continue reading our best car insurance policies article.

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2) Q: By law, what types of car insurance do I have to have?

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2) Q: By law, what types of car insurance do I have to have?
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(almost all — not NH) All states require you to carry liability insurance on your vehicle. Your state may require additional auto insurance coverage. Limits are expressed: Amount for injuries per person/amount for injuries total per accident/amount for property damage per accident

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3) Q: How does my personal credit play a role?

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3) Q: How does my personal credit play a role?
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Insurance carriers run credit scores to help determine policy premiums. Your insurance rates will likely be lower if you have an excellent credit score. On the other hand, your insurance rates may be higher if you have a poor credit score. Insurance companies believe credit scores are an indicator of whether you’ll make your insurance payments on time and credit scores combined with other data can be predictive of risk. Check out the best companies for all credit scores now

 

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*Quotes were obtained using the following profile: base 2015 Toyota Camry, male, 40-years-old. Policies reflect state minimum coverage options. We make every effort to provide the most accurate quotes based on the profile above. Due to the many combined variables involved in insurance quotes, the only way to get an accurate quote is to enter your own information through our partners’ secure websites.