Cheap Car Insurance in Wichita, KS

Written by Xuyun Zeng and 1 other
Updated Jul 28, 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 Quote
City, State
ZIP Code
$28 $338 44 Progressive June 22, 2025 Wichita, KS 67210
$34 $408 45 Progressive June 24, 2025 Wichita, KS 67208
$39 $464 25 Progressive April 12, 2025 Wichita, KS 67204
$39 $470 33 Progressive March 25, 2025 Wichita, KS 67210
$41 $490 66 Bristol West April 2, 2025 Wichita, KS 67220
$41 $496 57 Bristol West February 17, 2025 Wichita, KS 67217
$44 $532 45 Progressive June 25, 2025 Wichita, KS 67220
$49 $590 46 Progressive June 24, 2025 Wichita, KS 67204
$49 $592 53 Dairyland July 10, 2025 Wichita, KS 67207
$50 $596 44 Progressive March 10, 2025 Wichita, KS 67217
Last Updated Jul, 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 Quote
City, State
ZIP Code
$68 $820 56 Progressive July 9, 2025 Wichita, KS 67230
$70 $844 55 Progressive March 22, 2025 Wichita, KS 67217
$71 $846 54 Progressive April 23, 2025 Wichita, KS 67213
$72 $868 44 Progressive March 10, 2025 Wichita, KS 67217
$73 $872 41 Progressive June 19, 2025 Wichita, KS 67211
$83 $990 76 Bristol West March 20, 2025 Wichita, KS 67212
$85 $1,022 33 ROOT June 25, 2025 Wichita, KS 67207
$92 $1,100 44 Bristol West June 26, 2025 Wichita, KS 67216
$92 $1,102 49 ROOT July 15, 2025 Wichita, KS 67218
$93 $1,110 58 National General March 23, 2025 Wichita, KS 67217
Last Updated Jul, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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 Quote
City, State
ZIP Code
$39 $464 25 No Progressive April 12, 2025 Wichita, KS 67204
$61 $726 28 No National General February 17, 2025 Wichita, KS 67212
$65 $780 25 No Bristol West May 23, 2025 Wichita, KS 67205
$66 $792 27 No Bristol West April 22, 2025 Wichita, KS 67217
$77 $922 27 No ROOT May 3, 2025 Wichita, KS 67212
Last Updated Jul, 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 Quote
City, State
ZIP Code
$34 $408 45 No Progressive June 24, 2025 Wichita, KS 67208
$39 $470 33 No Progressive March 25, 2025 Wichita, KS 67210
$49 $592 53 No Dairyland July 10, 2025 Wichita, KS 67207
$50 $596 44 No Progressive March 10, 2025 Wichita, KS 67217
$51 $616 44 No Bristol West July 9, 2025 Wichita, KS 67220
Last Updated Jul, 2025

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

Monthly Quote
Annual Quote
Age
Has Full Coverage
Insurance Company
Date of Quote
City, State
ZIP Code
$41 $496 57 No Bristol West February 17, 2025 Wichita, KS 67217
$66 $792 72 No National General March 21, 2025 Wichita, KS 67214
$68 $820 56 Yes Progressive July 9, 2025 Wichita, KS 67230
$71 $856 56 No ROOT May 8, 2025 Wichita, KS 67218
$73 $878 66 No Safeco July 23, 2025 Wichita, KS 67209
Last Updated Jul, 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 Quote
Has Full Coverage
City, State
ZIP Code
$34 $408 Progressive June 24, 2025 No Wichita, KS 67208
$39 $464 Progressive April 12, 2025 No Wichita, KS 67204
$39 $470 Progressive March 25, 2025 No Wichita, KS 67210
$41 $496 Bristol West February 17, 2025 No Wichita, KS 67217
$49 $592 Dairyland July 10, 2025 No Wichita, KS 67207
$50 $596 Progressive March 10, 2025 No Wichita, KS 67217
$51 $616 Bristol West July 9, 2025 No Wichita, KS 67220
$54 $642 ROOT June 17, 2025 No Wichita, KS 67203
$55 $660 Dairyland June 22, 2025 No Wichita, KS 67216
$55 $662 ROOT June 15, 2025 No Wichita, KS 67226
Last Updated Jul, 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 $59 $704 63 Progressive January 7, 2025 Wichita, KS 67208
<550 $59 $704 56 Bristol West April 3, 2025 Wichita, KS 67211
<550 $61 $728 35 Progressive February 26, 2024 Wichita, KS 67203
<550 $64 $770 77 Bristol West July 20, 2024 Wichita, KS 67213
<550 $68 $820 56 Bristol West October 8, 2024 Wichita, KS 67213
Last Updated Jul, 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 $61 $728 35 No Progressive February 26, 2024 Wichita, KS 67203
At Fault With No Injury $62 $738 52 No National General June 11, 2025 Wichita, KS 67211
At Fault With No Injury $72 $869 54 No Dairyland June 15, 2025 Wichita, KS 67203
At Fault With No Injury $74 $886 26 No Progressive January 7, 2025 Wichita, KS 67217
At Fault With No Injury $86 $1,027 39 No Dairyland March 7, 2024 Wichita, KS 67217
Last Updated Jul, 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 $110 $1,320 31 Progressive August 27, 2024 Wichita, KS 67204
Speeding under 15 $124 $1,492 52 Progressive July 23, 2024 Wichita, KS 67216
Speeding under 15 $142 $1,706 24 The General March 28, 2024 Wichita, KS 67213
Last Updated Jul, 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.

meet-experts-thumbnail
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.