Find Car Insurance in Wichita, Kansas

What You Should Know About Car Insurance in Wichita, KS

Its roots in the cattle industry from the mid-1800s to the early 1900s earned Wichita the nickname “Cowtown.” Though the name stuck, the city is pretty far removed from that era. Since the 1920s, Wichita has been heavily involved in aerospace, which remains the backbone of its current economy. Due to the housing demand brought about by its popularity throughout the 1900s, farms gave way to urbanization.

Though agriculture still exists in the city, its abundance of high-tech manufacturing jobs through the aviation industry makes “The Air Capital of the World” a more suitable nickname.

Wichita has some amazing features as a city. The Arkansas River splits the town into almost equal halves, providing beautiful trails and aquatic recreational opportunities. The annual Wichita Open golf tournament takes place here, drawing over 50,000 fans to the city. Wichita State University and Friends University have roots dating back to the 1800s, and combined with Newman University, these schools host over 20,000 students.

Housing and the cost of living are very affordable in Wichita, which continues to attract families and individuals to the town. The downtown is pretty walkable, but you need your car to get to the rest of this 165-plus square foot city, so talk to an agent to protect your vehicle with the best auto insurance at the best prices in Kansas.

How Much Does Car Insurance Cost in Wichita, Kansas?

In addition to an affordable housing market, Wichita residents benefit from reasonable prices for car insurance in Kansas. The average price for a full coverage policy in the U.S. is $2,014, but in this state, that number is $1,659. Minimum liability policies throughout the country average $622, but here in Kansas, the average is $498.

What Does It Mean If Kansas Is a No-Fault State?

If there is a crash in a no-fault state, it does not matter who caused the accident — each driver must pursue reimbursement for bodily injuries that occurred during the incident through their own insurer. In an at-fault state, the responsible party’s insurance company would have to pay for all accident-related injuries. Although at-fault and no-fault policies differ regarding injuries, property damage losses in both types of states are collected through the responsible party’s insurer.

Affordable Car Insurance Rates Comparison by Cities in Wichita

Premiums in Wichita are a shade above the state average. Every city and even zip code can have a different rate because various factors that affect your insurer’s risk level change by area. For example, many suburban areas near Wichita enjoy much lower rates than the city itself, as indicated in the table below:

City	Full Coverage Insurance	Liability Insurance Coverage
Wichita	$141	$42
Augusta	$129	$36
Clearwater	$132	$38
Mulvane	$129	$38
Rose Hill	$130	$37

How Bundling Your Car and Homeowners Insurance Can Save You Money in Wichita

Your affordable coverage in Wichita can get even more affordable if you bundle your home and auto insurance, which means getting both policies from a single insurer. Bundling happens to be a smart approach if you need multiple lines of coverage. Contending with one provider when you sign up for your policies is much easier than keeping track of multiple insurers. The same applies to the convenience of paying your bills to one insurance company. As an added benefit, insurers appreciate when you bundle and will discount the rate on both your homeowners insurance and car insurance by up to 25%.

There is no standard reduction carriers offer for bundling — each might provide different discount amounts, and your driving details and other factors will also play a role. InsureOne experts work with top-tier carriers to determine which offers the best rates and bundling reduction — you do not have to do any extra work to capitalize on this discount. Your agent will deliver a package of customized policies at the most affordable prices available.

What Types of Car Insurance Discounts Are Available in Wichita?

You might get an excellent quote from your agent — especially if you bundle policies — but that does not mean that you cannot lower your insurance premiums even more. Your agent may have access to many other discounts, including the following:

• Military discount
• High deductible discount
• Anti-theft discount
• Premium up-front discount
• Safety feature discount

Notable Car Insurance Laws in Wichita

Every state dictates various laws that govern various aspects of the insurance industry. Insurers work with these rules as they formulate their policies and adopt the nuances of the statutes of each individual state. These are some of the laws that affect policies in Kansas:

What Are the Mandatory Car Insurance Requirements in Wichita?

One of the most basic laws every state deals with is the minimum coverage requirements for drivers. Many states have similar rules, but they typically vary somewhat. Kansas requires its insurers to issue policies with a minimum of the following coverages:

• $25,000 bodily injury or death per person
• $50,000 bodily injury or death per accident
• $25,000 property damage liability
• $25,000 uninsured motorist per person
• $50,000 uninsured motorist per accident
• $4,500 Personal Injury Protection

What Is the Penalty for Driving Without Insurance in Wichita?

While every state penalizes you for not having a policy in place, Kansas is stricter than many other states. These are some of the penalties for uninsured Kansas motorists who are caught driving:

• $300 to $1,000 in fines
• $800 to $2,500 in fines for a second offense within three years
• Possible jail sentence of up to six months
• Class A misdemeanor for a second offense within three years
• License suspension
• Registration revocation
• $100 registration reinstatement fee
• $300 for a second reinstatement within one year

What Factors Go into My Car Insurance Cost in Wichita?

Many states place heavy restrictions on insurers, not allowing them to include non-driving-related factors in their decision-making as they set your premiums. Kansas is pretty lenient in this regard. Here are some of the details insurers may use in this state:

• Age
• Education level
• Driving experience
• Occupation
• Gender

Typical Driving Conditions in Wichita

Other than usual rush hour traffic, Wichita’s road system operates quite well. It helps that I-35, 135, 235, U.S. Route 54, and 81, and several other state and federal highways let drivers bypass local roads at higher speeds, depending on where in town they need to get to. Thunderstorms are common in the city during spring and summer, and lightning and heavy hail can be an issue at times, creating harsh driving conditions.

How Many Car Accidents Happen in Wichita Per Year?

A report by the Kansas Traffic Safety Resource Office showed the following 2023 crash statistics for Wichita and some of the smaller, suburban towns in its vicinity:

City	Total Crashes
Wichita	8,424
Augusta	55
Clearwater	32
Mulvane	49
Rose Hill	25

How Many Uninsured/Underinsured Motorists Are in Wichita?

The Insurance Information Institute reported that 12% of Kansas drivers did not have a policy in place in 2023. An accident with an insolvent uninsured motorist could result in heavy losses for the other driver. Fortunately, Kansas requires you to carry $25,000 per person and $50,000 per accident of uninsured motorist coverage, so you will be covered if an uninsured driver who does not have the funds to pay for your damages crashes into your vehicle.