Best Wichita, KS Auto Insurance in 2025 (Find the Top 10 Companies Here)
The best Wichita, KS, auto insurance companies are Auto-Owners, American Family, and Progressive. Monthly car insurance rates in Wichita, KS, start at $42. Auto-Owners offers excellent claims service. American Family has solid bundling discounts, and Progressive is known for its customizable coverage.
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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: Apr 19, 2025
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Company Facts
Full Coverage in Wichita KS
A.M. Best
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Wichita KS
A.M. Best
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Wichita KS
A.M. Best
Complaint Level
Pros & Cons
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
Company Rank A.M. Best Monthly
RatesBest For Jump to Pros/Cons
#1 A++ $115 Affordable Rates Auto-Owners
#2 A $120 Comprehensive Coverage American Family
#3 A+ $130 Competitive Rates Progressive
#4 B $118 Local Presence State Farm
#5 A++ $125 Online Claims Geico
#6 A $135 Customizable Coverage Liberty Mutual
#7 A $128 Affordable Liability Safeco
#8 A $123 Personal Service Farmers
#9 A $140 High-Risk Drivers The General
#10 A- $132 Non-Standard Coverage Bristol West
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
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
Wichita, KS Report Card: Auto Insurance Premiums
Category | Grade | Explanation |
---|---|---|
Uninsured Drivers Rate | A | Kansas has a low 7.2% uninsured rate, helping lower premiums. |
Weather-Related Risk | B | Hail and icy weather raise accident and claim risks. |
Traffic Density | B | Heavy traffic increases accident chances and rates. |
Average Claim Size | B | High claim amounts raise insurance costs. |
Vehicle Theft Rate | C | Above-average theft rate pushes premiums higher. |
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 Anti-Theft Bundling Good Driver Good Student UBI
25% 25% 25% 20% 30%
16% 16% 25% 30% 30%
10% 10% 20% 10% 20%
10% 20% 30% 15% 30%
25% 25% 26% 15% 25%
35% 25% 20% 15% 30%
25% 10% 30% 10% $231/yr
15% 15% 10% 10% 30%
15% 17% 25% 25% 30%
15% 18% 15% 20% 10%
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
Factor | Value |
---|---|
Accidents Per Year | Over 10,000 crashes reported in 2023. |
Claims Per Year | 2,418 auto insurance claims filed annually in Wichita. |
Average Claim Cost | Approximately $6,551 for property damage and $26,501 for bodily injury. |
Percentage of Uninsured Drivers | 8% of drivers in Kansas are uninsured. |
Vehicle Theft Rate | 2,063 motor vehicle thefts in 2023; rate of 521.9 per 100,000 residents. |
Traffic Density | High traffic volumes at major intersections; detailed counts available via Wichita's traffic data portal. |
Weather-Related Incidents | Icy conditions in early 2024 led to numerous accidents across Wichita. |
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.
Daniel Walker
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
What are the top-rated car insurance companies in Wichita, KS?
Some of the best-rated companies in Wichita include Auto-Owners, American Family, Progressive, State Farm, and Geico. These insurers stand out for strong financial stability (A-rated or higher), solid customer satisfaction, and a mix of affordability and coverage options.
Which insurance providers cover the most vehicles in the Wichita area?
Larger, nationally known companies with local offices — like State Farm, Geico, and Progressive — are among the most widely used by Wichita drivers due to their brand recognition and accessible services. Get fast, affordable Wichita auto insurance—start comparing now.
Who offers the best value auto insurance for drivers in Wichita?
Insurers like Auto-Owners and American Family offer a strong balance of price and coverage across the different types of car insurance, making them a top choice for value-conscious drivers.
Which car insurance company is known for being the most reliable in Wichita, Kansas?
Companies with high A.M. Best ratings (like Auto-Owners and Geico) and consistent claims service are viewed as the most reliable by drivers in the area.
Is it better to buy car insurance online or through a local Wichita agent?
Buying online offers speed and convenience, while local agents from companies like State Farm and Farmers provide personalized advice — either option works depending on your preferences.
Who usually has the most affordable car insurance rates in Wichita?
Auto-Owners offers some of the lowest average monthly premiums, with State Farm and American Family also ranking well for affordability, making them smart choices if you’re looking at how to lower your auto insurance premiums.
What type of car insurance coverage is recommended for Wichita drivers?
Full coverage (including liability, comprehensive, and collision) is ideal due to potential weather-related damage and busy traffic areas in the city.
How can I compare quotes to find the best car insurance in Wichita, KS?
Use online tools to compare rates from at least 3–5 insurers and consider speaking with a local agent for personalized recommendations.
What types of drivers tend to pay the most for auto insurance in Wichita?
High risk drivers, including those with past violations, young drivers, or poor credit typically face higher premiums. Companies like The General and Bristol West cater to these profiles.
Are there Wichita-specific discounts or programs available for auto insurance?
Yes, many insurers offer regional deals like safe driver rewards, bundling discounts, and loyalty perks, especially through local agents.
How do weather and road conditions in Wichita impact car insurance rates?
Frequent hailstorms, slippery roads, and wintry weather can mean increased risk of claims and higher premiums.
What’s the average cost of car insurance in Wichita compared to the rest of Kansas?
Wichita’s average rates tend to be slightly higher than rural Kansas areas due to more traffic, urban density, accident frequency, and how traffic violations increase car insurance rates.
How does your credit score affect your car insurance rates in Wichita, KS?
Credit is also a driving factor in Kansas. People with higher credit scores also tend to receive lower premiums, but some companies place less importance on it.
Are there local insurance agents in Wichita who specialize in high-risk drivers?
Yes, several local agents partner with companies like The General and Bristol West, which focus on non-standard and high-risk policies. Compare quotes to find the best cheap auto insurance in Wichita, KS.
What should I look for in an insurance policy if I commute daily within Wichita or to nearby cities?
Choose a policy with strong liability limits, optional roadside assistance, and a company known for fast claims — ideal for daily commuters.