Which Company Has the Lowest Cost of Car Insurance in Wichita?

When Wichita drivers seek out automobile insurance, their potential insurers factor in many data points to determine the premiums for various policies. While most drivers naturally think their driving record is paramount, it is but one factor. Insurance actuaries work with figures such as the overall population in the area where a driver lives, age, credit score, and auto theft figures for their area.

Though the population of Wichita is low relative to many other cities, the inner city’s 300,000 or more citizens still generate a significant amount of traffic. Even when the total metro area is counted, the population is a rather humble 645,000 citizens. In fact, Wichita drivers can boast relatively short commute times. The average drive time for the Wichita area is a mere 19.6 minutes.

These figures are quite favorable; however, Wichita’s auto theft rate makes up for these pleasant data points. In 2018, the city was ranked eighth in the nation for automobile theft. The total number of stolen cars was 3,547, resulting in population adjusted rate of 550.02 per 100k residents.

Drivers in the area should heed the call to insure their cars with the best coverage available. While a liability policy may tantalize the frugal-minded, long-term thinkers will see that a collision or comprehensive policy is better for peace of mind. A minimum liability policy will not cover damage from auto theft, nor will it help if your car is involved in a hit-and-run.

This page is designed to help Wichita drivers find the best, most affordable automobile insurance. Car owners are encouraged to look beyond low cost, however, and look at overall value of a policy.

What is Required for Wichita Drivers?

Car insurance is not an option for drivers in Wichita, Kansas. In fact, the state mandates a certain minimum standard that all drivers must meet. This helps to protect every driver who finds themselves the victim of a car accident. These minimum policies are called liability insurance and they are the lowest cost option for drivers.

While everyone wishes to save money on automobile insurance, liability policies are not necessarily recommended. While minimum coverage will help drivers avoid legal penalties and to register their cars with the state, such policies come up short in many ways.

For starters, liability coverage will not cover damages done to a car that is on the receiving end of a hit-and-run accident. Nor will liability insurance cover damages that stem from car theft. Furthermore, when a car is hit, the driver will have to wait to begin the repairs process until the other driver’s insurance company affirms the claim. With a comprehensive or collision policy, a driver can file a claim, begin repairs, and then their company can settle the difference with the at-fault driver’s insurance company.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Wichita by Insurer

Every Wichita driver wants to find the lowest rates for their automobile insurance. Below is a chart of the lowest-cost insurance by company. Take a close look at the list and find the company that not only offers the lowest cost, but which provides a policy that provides optimal service and coverage.

Are you looking for cheap quotes for auto coverage near you?

Low Cost Auto Insurance for Bad Credit in Wichita

Federal law allows insurance companies to factor a driver’s credit score when calculating their automobile insurance premiums. In Kansas, driver with a poor credit score can pay up to more than 100% the rates of a driver with excellent credit. In fact, a Kansas driver with excellent credit and a DWI will pay less than drivers with poor credit and a spotless driving record.

Find out the which auto insurance company has the lowest rates for poor credit drivers.

Full Coverage Vs. Liability, Which is Best For You?

What is Liability Only Insurance Coverage?

Liability-only policies cover any damage you do as a driver, or which results from your automobile. These policies meet the minimum requirement for drivers in Fresno, California and are generally the cheapest. That is because the policy does not cover your car. Thus, if an uninsured driver hits your car, and is at fault, any damage you incur must be repaired at your expense. You will also be unable to make a claim if your car is damaged due to weather or as a result of some other non-driving incident.

What is Full Coverage?

Full coverage is not a category used by insurance companies. Rather, it is a colloquial term used to describe policies that cover both you and other drivers. Thus, if you are in a collision with an uninsured motorist, you can make a claim to repair damage to your car. If your car is injured by some other sort of accident or even vandalism, you can claim those repairs, too.

When you purchase a car on a financing plan, your lender will probably insist that you cover the car with a comprehensive policy that will cover any damage. Even if you purchase a car outright you might want to purchase a comprehensive policy so that your beautiful car remains pristine for as long as possible.

Difference Between the Two Types of Coverage

The difference between full and liability coverage is quite dramatic. With liability, insurers gamble that they will only have to pay for one car in an accident. With a comprehensive or full coverage policy, insurance companies know that they are taking on more liability exposure and so their rates reflect the increased risk. In the case of a comprehensive policy, they might even have to cover claims for damages that don’t arise from a traffic incident.

Average Annual Car Insurance Rates in Kansas by City

Additional cities in Kansas you can check out.

Overland Park


Ways to Lower Your Insurance Premiums

The following auto insurance discounts can be used to help lower your premiums in Wichita:

  • Avoid Accidents:

    When your record is clear of at-fault accidents, insurers see you as a better financial risk. Thus, your premiums will be lower.

  • Don’t Speed:

    If you have one or more speeding tickets, your insurance rates will be higher. This is because high speeds are associated with accidents, and if you speed you are more likely to be deemed at-fault in an accident.

  • Shop Around:

    There are at least twenty auto insurance companies currently active in Wichita. Their premium rates are spread over a wide range, so be sure to compare prices and make sure you get the best, and most affordable, policy for you.

  • Comprehensive Insurance Packages:

    Insurance companies like when you use them for more than simple auto insurance. Thus, they frequently offer packages that include homeowner’s insurance, or other policies, on the same account. When you opt for one of these comprehensive policies, the company is often able to lower your automobile premium as part of the deal.

  • Multiple Vehicles:

    Similar to purchasing a comprehensive insurance package, combining multiple vehicles on the same policy results in lower premiums. Consider this a bulk purchase for your auto insurance.

  • Military and Student Discounts:

    Sometimes insurance companies have special discounts for certain demographics, like active military or students.

Learn more about driver discounts for car insurance rates here.

Reasons that Affect Your Automobile Insurance Rates in Wichita, KS

There are quite a few factors included in determining your cost for auto insurance such as:

  • Your location
  • Age
  • Number of violations you had in the past
  • Gender
  • Whether you are married or single
  • Your credit score
  • The plan you are seeking
  • The deductible
  • Daily miles you drive
  • The make, model, and year of the vehicle to be insured
  • Whether you live alone or with others
  • Your occupation

If you have a bad driving record and need cheap insurance, compare rates here.

Helpful Wichita, Kansas Vehicle Resources:

Live Traffic Accidents by City

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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