Wichita, KS Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Wichita, KS, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
What Makes Car Insurance Expensive in Wichita, KS
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.
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.
Honda Accord and Toyota Corolla make it to lowest insurance average and lowest median price slot in Wichita
The average insurance premium of used cars in the state of Kansas is $ 1435. Wichita, the largest city of the state, has an average insurance premium of $ 1287. We will compare insurance average and median prices of eight used car models for Wichita city. Please note that the used car models belong to the year range of 2005 to 2012.
Nissan Altima has the highest insurance average ($ 1220) of all the models but has the second lowest median price ($ 15998).
Comparing the three car models by Honda – the Accord, the Civic and the CR-V, the Honda Civic has the highest insurance average ($ 1182), which is also the second highest insurance average among the eight car models. The CR-V has the lowest insurance average overall ($ 987).
| Model | Insurance average ($) | Median price ($) | Insurance percentage |
|---|---|---|---|
| Honda Accord | 1,114 | 17,998 | 6% |
| Honda Civic | 1,182 | 22,199 | 5% |
| Honda CR-V | 987 | 18,956 | 5% |
The Ford F-Series has the highest median price ($ 31136) followed by the Chevrolet Silverado ($ 24907). There is just a difference of $ 21 in the insurance average of the two models.
If we consider two car models by the car manufacturer Toyota – the Camry and the Corolla, the Corolla has the lower median price of $ 14999. The Toyota Camry and the Honda Accord have the same median price of $ 17998.
The table below gives us a snapshot of the used cars with the lowest insurance averages in Wichita City.
| Model | Insurance average ($) |
|---|---|
| Honda CR-V | 987 |
| Toyota Corolla | 1,082 |
| Honda Accord | 1,114 |
Now, let us compare the information from the above table with that displayed in the table below. The cars listed in the table below are those with the lowest median prices in Wichita.
| Model | Median Price ($) |
|---|---|
| Toyota Corolla | 14,999 |
| Nissan Altima | 15,998 |
| Toyota Camry | 17,998 |
| Honda Accord | 17,998 |
The Nissan Altima and the Toyota Corolla have the highest insurance percentage—7%. The Ford F-Series has an insurance percentage of 3%, which is the lowest among all the models.
Car insurance rates in Wichita, Kansas, show a divergence up to $999 between the median and cheapest priced policies
Zimlon’s recent analysis on car insurance premiums in Wichita, Kansas, found that prices vary between $235 and $999 for the median and cheapest policies. The most significant difference was observed for 16-year-old males ($999). For this analysis, Zimlon used data published by the Kansas Insurance Department. The deductible, comprehensive, and collision rates were each evaluated at $1,000; the bodily injury per person and property damage per accident limit was $100,000 each, and the bodily injury per accident limit was $300,000. The 2013 Toyota Camry four-door sedan was chosen for the study.
Geico Choice Insurance Company offers the cheapest premium rate for 16-year-old males at $933 and Allied Family Insurance Company provides the median rate of $1,116. The cohort of drivers that reports the second highest savings of $904 between the median and cheapest premium rates is 16-year-old females.
For 16-year-old male drivers, the most expensive premium rate is $5,206, which is offered by the Progressive Northwest Insurance Company. The study showed that this population cohort is most likely to be involved in an accident. Nevertheless, buyers can save up to $4,366 by choosing a company with rates less than or equal to the median premium rate of $1,932.
Geico Advantage Insurance Company offers the cheapest premium rates in 5 out of 10 cohorts analyzed in Wichita city. Automobile Club Inter-Insurance Exchange offers the most expensive premium rates in 4 out of 10 cohorts.
The following graph compares the premium rates across companies for Wichita city, Kansas.
The following table compares the car insurance premium rates for key companies in Wichita Kansas. In addition, the table lists the names of companies included in the study and the differences between the median and cheapest or most expensive rates.
| Cohort | Cheapest Car Insurance Companies in Wichita, KS | Second Cheapest Car Insurance Companies in Wichita, KS | Median Car Insurance Companies in Wichita, KS | Most Expensive Car Insurance Companies in Wichita, KS | Second Most Expensive Car Insurance Companies in Wichita, KS | Difference between the Cheapest and Median Prices | Difference in Price between the Most Expensive and Median Prices |
|---|---|---|---|---|---|---|---|
| 16-year-old females | Upland Mutual Insurance, Inc. ($861) | Geico Choice Insurance Company ($967) | Nationwide Insurance Company of America ($1,765) | Progressive Direct Insurance Company ($5,679) | Progressive Northwestern Insurance Company ($4,652) | $904 | $3,914 |
| 21-year-old females | Geico Choice Insurance Company ($331) | Geico Advantage Insurance Company ($378) | Progressive Northwestern Insurance Company ($805) | Standard Fire Insurance Company ($1,405) | Esurance Property and Casualty Insurance Company ($1,377) | $474 | $600 |
| 35-year-old females | Geico Advantage Insurance Company ($235) | Geico Choice Insurance Company ($268) | Upland Mutual Insurance, Inc. ($538) | Standard Fire Insurance Company ($988) | Automobile Club Inter-Insurance Exchange ($893) | $303 | $450 |
| 55-year-old females | Geico Advantage Insurance Company ($219) | Geico Choice Insurance Company ($266) | Farmers Insurance Company, Inc. ($457) | LM General Insurance Company ($827) | Automobile Club Inter-Insurance Exchange ($822) | $238 | $370 |
| 70-year-old females | Geico Advantage Insurance Company ($237) | Geico Choice Insurance Company ($269) | Shelter Mutual Insurance Company ($475) | LM General Insurance Company ($877) | Standard Fire Insurance Company ($835) | $238 | $402 |
| 16-year-old males | Geico Choice Insurance Company ($933) | American Family Insurance Company ($1,116) | Allied Property and Casualty Insurance Company ($1,932) | Progressive Direct Insurance Company ($6298) | Progressive Northwestern Insurance Company ($5,206) | $999 | $4366 |
| 21-year-old males | Geico Choice Insurance Company ($335) | Geico Advantage Insurance Company ($343) | Alliance Indemnity Company ($1,031) | Esurance Property and Casualty Insurance Company ($1,813) | Automobile Club Inter-Insurance Exchange ($1,774) | $696 | $782 |
| 35-year-old males | Geico Advantage Insurance Company ($234) | Geico Choice Insurance Company ($282) | Upland Mutual Insurance, Inc. ($538) | Standard Fire Insurance Company ($1,031) | Automobile Club Inter-Insurance Exchange ($893) | $304 | $493 |
| 55-year-old males | Geico Advantage Insurance Company ($234) | USAA General Indemnity Company ($271) | Upland Mutual Insurance, Inc. ($473) | LM General Insurance Company ($871) | Standard Fire Insurance Company ($830) | $239 | $398 |
| 70-year-old males | Geico Advantage Insurance Company ($250) | USAA General Indemnity Company ($301) | Progressive Northwestern Insurance Company ($485) | Standard Fire Insurance Company ($921) | Esurance Property and Casualty Insurance Company ($887) | $235 | $436 |
Factors that can influence the cost of car insurance in Wichita, KS are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Wichita, KS Auto Insurance Rates
- Wichita, KS Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Wichita, KS
- Multi Vehicle Insurance Savings in Wichita, KS
- How Credit Score Affects Car Insurance Rates in Wichita, KS
- How DUI Affects Auto Insurance Premiums in Wichita, KS
- Top Auto Insurance Agents Near Wichita, KS
- How Driving Violations Affect Auto Insurance Rates in Wichita, KS
- Wichita, KS Auto Insurance Discounts on Anti Theft Feature
- Wichita, KS Auto Insurance Company Reviews
Wichita, KS Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Wichita, KS with that of other cities in and around Wichita.
| Wichita | Minneha | Eastborough | Sedgwick County | McConnell AFB | Oaklawn-Sunview | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,351 | $1,648 | $1,744 | $1,484 | $1,964 | $1,393 |
Wichita, KS Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Wichita, KS based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Wichita | $1,502 | $1,268 |
| Delano | $2,131 | $1,800 |
| Eastborough | $1,782 | $1,505 |
| Oaklawn-Sunview | $2,027 | $1,712 |
| McConnell AFB | $2,023 | $1,709 |
| Sedgwick County | $1,718 | $1,451 |
| Minneha | $1,221 | $1,031 |
| Kechi | $1,999 | $1,689 |
Wichita, KS Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Wichita, KS usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,384 |
| 20 Years | $1,736 |
| 30 Years | $1,337 |
| 40 Years | $1,286 |
| 50 Years | $1,191 |
| 60 Years | $1,208 |
| 70 Years | $1,406 |
Wichita, KS Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Wichita, KS can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,297 | $405 |
| 3 Vehicles | $3,445 | $608 |
| 4 Vehicles | $4,593 | $811 |
Savings on 2 Vehicles bundle:$405
Savings on 3 Vehicles bundle:$608
Savings on 4 Vehicles bundle:$811
Wichita, KS Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Wichita, KS.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Wichita | $1,351 | $2,252 |
| Delano | $2,069 | $3,449 |
| Eastborough | $1,744 | $2,907 |
| Oaklawn-Sunview | $1,393 | $2,322 |
| McConnell AFB | $1,964 | $3,274 |
| Sedgwick County | $1,484 | $2,474 |
| Minneha | $1,648 | $2,747 |
| Kechi | $1,474 | $2,457 |
Wichita, KS Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,159 |
| Excellent (740-799) | $1,323 |
| Good (670-739) | $1,408 |
| Average (580-669) | $1,837 |
| Poor (300-579) | $2,204 |
Wichita, KS Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Robert Bunting | Farmers | 12950 E 13th St N Ste 5, Wichita, 67230 | (316) 733-2800 |
| Les Withrow Clu | State Farm | 2929 N Rock Road, Wichita, 67226-1190 | 316-636-1020 |
| Kevin R Rathert | State Farm | 2929 N Rock Rd, Wichita, 67226-1190 | 316-687-2700 |
| Tracy Rutledge | Allstate | 9415 E Harry St Ste 704, Wichita, 67207 | (316) 651-5600 |
| Mike Dillmon | State Farm | 8815 W 13th St N Ste 120, Wichita, 67212-4072 | 316-722-5466 |
| Don Payne | State Farm | 2701 S Seneca St, Wichita, 67217-2807 | 316-522-4443 |
| Community Insurance Inc | Travelers | 214 N WACO, WICHITA, 67202 | 316-264-6212 |
| John Schultz | State Farm | 9431 E Central Ave Ste 200, Wichita, 67206-2563 | 316-685-0394 |
Wichita, KS Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$59 | $1,410 |
| Driver's Failure In Showing Documents | +$131 | $1,482 |
| Driving With An Expired Registration | +$139 | $1,490 |
| Driving At A Considerably Slow Pace | +$293 | $1,644 |
| Using A Cellphone While Driving | +$309 | $1,660 |
| Running A Red Light | +$315 | $1,666 |
| Speeding | +$331 | $1,682 |
| Driving A Vehicle Without The Required Permission | +$420 | $1,771 |
| Driving With An Expired/Suspended License | +$911 | $2,262 |
Wichita, KS Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,297 |
| Active Disabling Device | $1,297 |
| Tracking Device | $1,270 |
| Passive Disabling Device | $1,256 |
Latest Auto Insurance Reviews in Wichita, KS | Back to Top
GeicoPrior to GEICO, I was insured with Progressive.The representative told me that I would have to add my girlfriend to my insurance because we lived in the same house.
State FarmI recommend it because once the car was stolen and they gave me an identical one in better condition
Progressivetheir customer also good they should maintain a good relationship with customers
Farmer's InsuranceCar insurance is good with this company. Rates are good. Service is good.
AllstateOur insurance coverage is pretty much on par with other agencies. One bonus is that with Allstate, our premium can decline in the accident free years.
TravelersI think my car insurance company is very greater then the other car insurance companies because of very good quality things.
GeicoI like that the company is fairly large and covers a considerable area. My company is very accessible and I appreciate that!
GeicoThe customer service at my insurance company is phenomenal. They are always helpful when I call in.
TravelersI like the fact that if I need to file a claim, I can do it 24 hours a day. The reps are very friendly anytime I call
GeicoThey could offer loyalty bonuses or incentives for long time customers. There could also be a clearer interface between the home insurance providers it collaborates with.
State FarmThe only thing I can say that I don't like about State Farm is probably that the premiums seem a bit high.
American Family InsuranceMy car insurance company compared to the same coverage from another is pretty good. I like that it is decently priced. It also has better than average support.
State FarmI am entirely happy with my customer support. My agent is always accessible and if not there is a customer support line.
AllstateI like just about everything sees it all just perfect to fit my needs as they are to do which is just perfect for me you know I've been searching for a long time for a company like this
GeicoI think I am receiving a lot of coverage for very little money. I compare my rate from time to time and I find that I am paying less than most companies would charge for the same coverage.