What Makes Car Insurance Expensive in Wichita, KS

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Wichita, Kansas, has a population of close to 400,000, according to the U.S. Census Bureau. The average cost of auto insurance here is $1,351. This is lower than the cost of auto insurance in neighboring places such as Minneha, Eastborough, Sedgwick County, and McConnell AFB. The cost of auto insurance depends on numerous factors ranging from the driver’s age to the make and model of the vehicle. Auto insurance could become expensive due to a lot of reasons, some of which are mentioned below.

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Deductible:

A low deductible can make auto insurance expensive in Wichita, KS. The cost of auto insurance decreases when the rate of the deductible is higher. For example, when the deductible is $500, the cost of auto insurance rises to $1,502. It drops to $1,268 when the rate of the deductible is $1,000.

Age of the Driver:

This is a common factor in determining the cost of auto insurance in Wichita. Younger drivers, mostly teenagers, will find auto insurance to be expensive. Teenagers in Wichita have to pay $4,384 on an average. This is 3 times more than the average cost of auto insurance in the city. With an increase in experience, the cost of auto insurance decreases. As the above infographic indicates, auto insurance is cheapest for car drivers who are in their fifties and sixties, with auto insurance being as cheap as $1,191.

DUI and Driving Violations:

Getting caught for driving under the influence can have a massive impact on the cost of auto insurance. The cost of auto insurance in Wichita, post-DUI, rises to $2,252. Other driving violations can also cause a massive increase in the cost of auto insurance for car owners in Wichita. Safer drivers will always find auto insurance to be cheaper for them. In Wichita, if a driver is caught driving with an expired/suspended license, they could find themselves paying close to $1,000 more on auto insurance. Speeding, running a red light, and using a cellphone while driving are some of the other driving violations that could prove to be quite expensive.

Credit Score:

Auto insurance is also expensive for drivers with an “average” or “poor” credit score. The average cost of auto insurance for a driver with a “poor” credit score in Wichita is $2,204.