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.
If you have a loan or lease on your vehicle, the lender will require
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.
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Monthly Quote
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Annual Quote
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Age
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Insurance Company
|
Date of Quote
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City, State
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ZIP Code
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|---|
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Monthly Quote
|
Annual Quote
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Age
|
Insurance Company
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Date of Quote
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|
| $45 | $540 | 73 | 06/25/25 | 67220 | ||
| $56 | $668 | 41 | 06/19/25 | 67203 | ||
| $67 | $804 | 46 | 06/28/25 | 67217 | ||
| $74 | $886 | 42 | 06/22/25 | 67212 | ||
| $75 | $896 | 38 | 07/25/25 | 67203 | ||
| $76 | $910 | 26 | 08/29/25 | 67220 | ||
| $77 | $922 | 38 | 06/17/25 | 67235 | ||
| $78 | $938 | 44 | 06/23/25 | 67214 | ||
| $80 | $962 | 45 | 06/24/25 | 67208 | ||
| $81 | $970 | 42 | 06/20/25 | 67213 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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.
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Monthly Quote
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Annual Quote
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Age
|
Has Full Coverage
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Insurance Company
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Age
|
Has Full Coverage
|
Insurance Company
|
Date of Quote
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City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $42 | $498 | 21 | No | 10/21/25 | 67215 | ||
| $58 | $700 | 25 | No | 08/04/25 | 67226 | ||
| $60 | $720 | 25 | No | 08/15/25 | 67212 | ||
| $66 | $794 | 27 | No | 10/06/25 | 67220 | ||
| $67 | $802 | 25 | No | 07/31/25 | 67219 | ||
| $76 | $910 | 26 | 08/29/25 | 67220 | |||
| $77 | $922 | 38 | 06/17/25 | 67235 | |||
| $78 | $938 | 44 | 06/23/25 | 67214 | |||
| $80 | $962 | 45 | 06/24/25 | 67208 | |||
| $81 | $970 | 42 | 06/20/25 | 67213 |
Cheapest car insurance for mature drivers in Wichita (30-54 years old)
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Monthly Quote
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Annual Quote
|
Age
|
Has Full Coverage
|
Insurance Company
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Age
|
Has Full Coverage
|
Insurance Company
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $29 | $348 | 50 | No | 07/07/25 | 67218 | ||
| $43 | $518 | 44 | No | 06/22/25 | 67216 | ||
| $44 | $524 | 44 | No | 06/23/25 | 67214 | ||
| $53 | $632 | 51 | No | 06/30/25 | 67207 | ||
| $53 | $634 | 41 | No | 06/19/25 | 67203 | ||
| $76 | $910 | 26 | 08/29/25 | 67220 | |||
| $77 | $922 | 38 | 06/17/25 | 67235 | |||
| $78 | $938 | 44 | 06/23/25 | 67214 | |||
| $80 | $962 | 45 | 06/24/25 | 67208 | |||
| $81 | $970 | 42 | 06/20/25 | 67213 |
Cheapest car insurance for older drivers (55+ years old)
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Monthly Quote
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Annual Quote
|
Age
|
Has Full Coverage
|
Insurance Company
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Age
|
Has Full Coverage
|
Insurance Company
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $33 | $400 | 61 | No | 11/06/25 | 67207 | ||
| $36 | $436 | 56 | No | 07/29/25 | 67214 | ||
| $51 | $614 | 64 | No | 10/01/25 | 67210 | ||
| $53 | $641 | 55 | No | 10/21/25 | 67211 | ||
| $60 | $722 | 63 | No | 11/17/25 | 67230 | ||
| $76 | $910 | 26 | 08/29/25 | 67220 | |||
| $77 | $922 | 38 | 06/17/25 | 67235 | |||
| $78 | $938 | 44 | 06/23/25 | 67214 | |||
| $80 | $962 | 45 | 06/24/25 | 67208 | |||
| $81 | $970 | 42 | 06/20/25 | 67213 |
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.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $29 | $348 | 07/07/25 | No | 67218 | ||
| $43 | $518 | 06/22/25 | No | 67216 | ||
| $44 | $524 | 06/23/25 | No | 67214 | ||
| $45 | $540 | 06/25/25 | Yes | 67220 | ||
| $49 | $591 | 09/09/25 | No | 67206 | ||
| $52 | $628 | 07/03/25 | No | 67216 | ||
| $53 | $632 | 06/30/25 | No | 67207 | ||
| $53 | $634 | 06/19/25 | No | 67203 | ||
| $54 | $644 | 08/10/25 | No | 67203 | ||
| $54 | $648 | 06/21/25 | No | 67219 |
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.
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Credit Score
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Monthly Quote
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Annual Quote
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Age
|
Insurance Company
|
Date of Policy
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City, State
|
ZIP Code
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|---|
|
Credit Score
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Monthly Quote
|
Annual Quote
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Age
|
Insurance Company
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $55 | $656 | 56 | 04/03/25 | 67211 | ||
| <550 | $59 | $704 | 63 | 01/07/25 | 67208 | ||
| <550 | $60 | $714 | 42 | 08/20/25 | 67207 | ||
| <550 | $61 | $732 | 74 | 05/28/25 | 67211 | ||
| <550 | $68 | $820 | 55 | 10/08/24 | 67213 | ||
| $52 | $628 | 26 | 67216 | ||||
| $53 | $632 | 38 | 67207 | ||||
| $53 | $634 | 44 | 67203 | ||||
| $54 | $644 | 45 | 67203 | ||||
| $54 | $648 | 42 | 67219 |
Cheapest car insurance for drivers with at-fault accidents in Wichita
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
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Age
|
Has Full Coverage
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Insurance Company
|
Date of Policy
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City, State
|
ZIP Code
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|---|
|
At-fault Accident on Record
|
Monthly Quote
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Annual Quote
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Age
|
Has Full Coverage
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Insurance Company
|
Date of Policy
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City, State
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ZIP Code
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|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $59 | $708 | 30 | No | 09/03/25 | 67206 | ||
| At Fault With No Injury | $62 | $738 | 52 | No | 06/11/25 | 67211 | ||
| At Fault With No Injury | $63 | $750 | 34 | No | 03/14/25 | 67206 | ||
| At Fault With No Injury | $66 | $786 | 28 | No | 09/09/25 | 67211 | ||
| At Fault With No Injury | $72 | $862 | 77 | Yes | 03/06/25 | 67206 | ||
| $52 | $628 | 26 | No | 67216 | ||||
| $53 | $632 | 38 | No | 67207 | ||||
| $53 | $634 | 44 | No | 67203 | ||||
| $54 | $644 | 45 | No | 67203 | ||||
| $54 | $648 | 42 | No | 67219 |
Cheapest car insurance for drivers with speeding tickets in Wichita
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Violation Summary
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Monthly Quote
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Annual Quote
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Age
|
Insurance Company
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Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Violation Summary
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Monthly Quote
|
Annual Quote
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Age
|
Insurance Company
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $55 | $662 | 44 | 09/20/25 | 67217 | ||
| Speeding under 15 | $66 | $790 | 60 | 11/28/25 | 67211 | ||
| Speeding under 15 | $83 | $1,000 | 29 | 08/28/25 | 67216 | ||
| Speeding over 15 | $93 | $1,110 | 34 | 12/01/25 | 67213 | ||
| Speeding under 15 | $96 | $1,148 | 33 | 11/30/25 | 67211 | ||
| $52 | $628 | 26 | 07/03/25 | 67216 | |||
| $53 | $632 | 38 | 06/30/25 | 67207 | |||
| $53 | $634 | 44 | 06/19/25 | 67203 | |||
| $54 | $644 | 45 | 08/10/25 | 67203 | |||
| $54 | $648 | 42 | 06/21/25 | 67219 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
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.
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.
