Cheap Car Insurance in Wichita, KS

Written by Xuyun Zeng and 1 other
Updated Jul 7, 2025
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Cheap Car Insurance in Wichita, KS

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Wichita’s streets are often calm compared to larger metropolitan areas, but unexpected challenges like severe weather, including hail and tornadoes, can arise. Rural roads and wildlife crossings can also be hazards for drivers, making the right car insurance policy a must-have.

Rates in Wichita may be lower than larger cities, but your rate can vary based on your age, location within the city, desired coverage and driving record. We’ve gathered real quote data from Wichita Jerry customers to show you what premium you can expect.

Cheapest minimum coverage insurance in Wichita

Kansas requires drivers to carry the following minimum coverages:

  • $25,000 for bodily injury liability per person.
  • $50,000 for bodily injury liability per accident.
  • $25,000 for property damage per accident.

Kansas also must have uninsured/underinsured motorists (UM/UIM) with a minimum of $25,000 per person and $50,000 for bodily injury per accident. You will also need to have personal injury protection with various coverages:

  • $4,500 per person towards medical expenses
  • $900 per month for one year towards disability, loss of income
  • $25 per day in substitution benefits
  • $2,000 for funeral, burial, or cremation expenses
  • $4,500 for rehabilitation costs for re-employment training purposes
  • $900 per month for one year for disability, loss-of-income survivor benefits
  • $25 per day for up to one year in substitution benefits

These are the cheapest policies that Jerry customers in Wichita have received for the state’s minimum coverage.

Monthly Quote
Annual Quote
Age
Insurance Company
Date of Policy
City, State
ZIP Code
$38 $458 55 Progressive November 1, 2024 Wichita, KS 67213
$39 $464 55 Progressive March 22, 2025 Wichita, KS 67217
$40 $474 66 Progressive January 16, 2025 Wichita, KS 67209
$44 $526 63 Progressive January 28, 2025 Wichita, KS 67220
$45 $540 43 Progressive November 19, 2024 Wichita, KS 67211
$55 $656 56 Progressive April 3, 2025 Wichita, KS 67211
$55 $658 33 Progressive March 25, 2025 Wichita, KS 67210
$58 $698 66 Progressive March 16, 2025 Wichita, KS 67226
$59 $704 63 Progressive January 7, 2025 Wichita, KS 67208
$59 $710 27 Progressive June 16, 2025 Wichita, KS 67213
Last Updated Jul 8, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Wichita

Full coverage includes the state’s minimum requirements along with collision and comprehensive coverages. Collision and comprehensive insurance can pay for repairs to your vehicle after an accident, regardless of fault, and covers damage caused by weather. The minimum insurance required in Kansas alone doesn’t cover you in these situations.

Here are the cheapest quotes for full coverage auto insurance that Jerry customers in Wichita have received via Jerry.

Monthly Quote
Annual Quote
Age
Insurance Company
Date of Policy
City, State
ZIP Code
$42 $504 80 Progressive December 15, 2024 Wichita, KS 67217
$44 $526 63 Progressive January 28, 2025 Wichita, KS 67220
$55 $656 56 Progressive April 3, 2025 Wichita, KS 67211
$56 $674 69 Progressive September 5, 2024 Wichita, KS 67211
$58 $698 66 Progressive March 16, 2025 Wichita, KS 67226
$65 $774 45 Progressive March 8, 2025 Wichita, KS 67203
$65 $776 29 Progressive September 16, 2024 Wichita, KS 67208
$67 $798 57 Progressive July 2, 2025 Wichita, KS 67204
$83 $994 34 Safeco March 14, 2025 Wichita, KS 67206
$83 $998 40 Progressive March 2, 2025 Wichita, KS 67216
Last Updated Jul 8, 2025

Cheapest car insurance for young drivers in Wichita (18 – 29 years old)

Young drivers tend to pay higher car insurance rates because insurers often perceive their limited time on the road as a risk. This means you may need to do extra comparison shopping to find a low-cost policy.

Here are the cheapest quotes that young Wichita drivers received through Jerry.

Monthly Quote
Annual Quote
Age
Has Full Coverage
Insurance Company
Date of Policy
City, State
ZIP Code
$59 $710 27 No Progressive June 16, 2025 Wichita, KS 67213
$63 $758 28 No Progressive March 14, 2025 Wichita, KS 67211
$64 $768 26 No Progressive January 14, 2025 Wichita, KS 67214
$65 $776 29 Yes Progressive September 16, 2024 Wichita, KS 67208
$74 $886 26 No Progressive January 7, 2025 Wichita, KS 67217
Last Updated Jul 8, 2025

Cheapest car insurance for mature drivers in Wichita (30-54 years old)

Monthly Quote
Annual Quote
Age
Has Full Coverage
Insurance Company
Date of Policy
City, State
ZIP Code
$45 $540 43 No Progressive November 19, 2024 Wichita, KS 67211
$55 $658 33 No Progressive March 25, 2025 Wichita, KS 67210
$61 $728 35 No Progressive February 26, 2024 Wichita, KS 67203
$64 $768 36 No Progressive April 2, 2025 Wichita, KS 67214
$65 $774 45 Yes Progressive March 8, 2025 Wichita, KS 67203
Last Updated Jul 8, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Age
Has Full Coverage
Insurance Company
Date of Policy
City, State
ZIP Code
$38 $458 55 No Progressive November 1, 2024 Wichita, KS 67213
$39 $464 55 No Progressive March 22, 2025 Wichita, KS 67217
$40 $474 66 No Progressive January 16, 2025 Wichita, KS 67209
$42 $504 80 Yes Progressive December 15, 2024 Wichita, KS 67217
$44 $526 63 Yes Progressive January 28, 2025 Wichita, KS 67220
Last Updated Jul 8, 2025

Cheapest car insurance for drivers with clean records in Wichita

The most affordable premiums often go to those with clean driving records. Here are the cheapest rates for drivers in Wichita with no claims or violations, according to Jerry’s quote data.

Monthly Quote
Annual Quote
Insurance Company
Date of Policy
Has Full Coverage
City, State
ZIP Code
$38 $458 Progressive November 1, 2024 No Wichita, KS 67213
$39 $464 Progressive March 22, 2025 No Wichita, KS 67217
$40 $474 Progressive January 16, 2025 No Wichita, KS 67209
$42 $504 Progressive December 15, 2024 Yes Wichita, KS 67217
$44 $526 Progressive January 28, 2025 Yes Wichita, KS 67220
$45 $540 Progressive November 19, 2024 No Wichita, KS 67211
$55 $656 Progressive April 3, 2025 Yes Wichita, KS 67211
$55 $658 Progressive March 25, 2025 No Wichita, KS 67210
$56 $674 Progressive September 5, 2024 Yes Wichita, KS 67211
$59 $704 Progressive January 7, 2025 No Wichita, KS 67208
Last Updated Jul 8, 2025

Cheapest car insurance for drivers with low credit scores in Wichita

Your credit score can be a factor in your car insurance quote, and drivers with low scores often pay higher rates than good-credit drivers. Here are the cheapest quotes that Wichita drivers with scores below 550 have received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Age
Insurance Company
Date of Policy
City, State
ZIP Code
<550 $55 $656 56 Progressive April 3, 2025 Wichita, KS 67211
<550 $59 $704 63 Progressive January 7, 2025 Wichita, KS 67208
<550 $61 $728 35 Progressive February 26, 2024 Wichita, KS 67203
<550 $64 $770 77 Bristol West July 20, 2024 Wichita, KS 67213
<550 $65 $774 45 Progressive March 8, 2025 Wichita, KS 67203
Last Updated Jul 8, 2025

Cheapest car insurance for drivers with at-fault accidents in Wichita

At-fault Accident on Record
Monthly Quote
Annual Quote
Age
Has Full Coverage
Insurance Company
Date of Policy
City, State
ZIP Code
At Fault With No Injury $58 $698 66 Yes Progressive March 16, 2025 Wichita, KS 67226
At Fault With No Injury $61 $728 35 No Progressive February 26, 2024 Wichita, KS 67203
At Fault With No Injury $74 $886 26 No Progressive January 7, 2025 Wichita, KS 67217
At Fault With No Injury $82 $982 52 No Dairyland May 30, 2025 Wichita, KS 67217
At Fault With No Injury $82 $984 52 No Bristol West June 11, 2025 Wichita, KS 67211
Last Updated Jul 8, 2025

Cheapest car insurance for drivers with speeding tickets in Wichita

Violation Summary
Monthly Quote
Annual Quote
Age
Insurance Company
Date of Policy
City, State
ZIP Code
Speeding under 15 $61 $728 35 Progressive February 26, 2024 Wichita, KS 67203
Speeding under 15 $87 $1,042 55 National General August 26, 2024 Wichita, KS 67211
Speeding under 15 $101 $1,216 34 Progressive November 12, 2024 Wichita, KS 67235
Speeding under 15 $109 $1,302 24 National General March 30, 2025 Wichita, KS 67223
Speeding under 15 $110 $1,320 31 Progressive August 27, 2024 Wichita, KS 67204
Last Updated Jul 8, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.