Car Insurance Quotes Wichita KS
Car Insurance Quotes Wichita KS
Car insurance in Kansas operates under a modified “no-fault” insurance model, which comes with implications for both drivers and passengers involved in car accidents. In no-fault states, drivers are required to file claims with their own insurance providers for medical and other related expenses regardless of who caused the accident. This means that every driver must carry a minimum level of coverage that provides personal injury protection (PIP), in addition to liability and property damage coverage.
The state of Kansas mandates specific minimum insurance coverage that drivers must possess. This includes minimum liability coverage of 25/50/25, which is defined as follows: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. Kansas maintains requirements for uninsured and underinsured car coverage, which provides protection when involved in an accident with drivers lacking sufficient insurance.
Car insurance rates can vary based on the provider, policy features, and the driver’s profile. According to 2025 data, the average annual premium for full-coverage car insurance in Wichita is around $1,776, which is higher than the national average of $1,674, the cost of minimum coverage car insurance in Wichita stands at about $600 annually, compared to the national average of $564.
A survey of premium quotes for different companies in Wichita reveals that Nationwide provides the most affordable full-coverage policies at an average rate of $106 per month, or $637 for six months. Following closely, USAA offers their policies at an average rate of $109 monthly or $655 for six months. Other companies, including GEICO and State Farm, fall into the mid-range of pricing.
READ ALSO; Car Insurance Quotes State Farm
Car Insurance Requirements In Kansas
Kansas is a modified “no-fault” state, meaning that regardless of who caused the accident, your insurance policy’s personal injury protection (PIP) coverage will cover your medical bills and certain out-of-pocket costs up to your policy limits. However, at-fault drivers are responsible for any harm to the other party’s health and damage to their car.
The following are the state minimums in Kansas:
Minimum Liability Coverage: 25/50/25
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
Uninsured/Underinsured Coverage
- Bodily Injury $25,000 per person
- Bodily Injury $50,000 per accident
Personal Injury Protection (PIP)
- $4,500 medical expense per person
- $900 per month income loss for one year
- $25 per day at-home services
- $4,500 rehabilitation expense per person
- $2,000 funeral expense per person
Kansas’ penalties for driving without proof of insurance
All drivers are required by Wichita, KS law to carry insurance. You may face these punishments if you are unable to show documentation of this coverage:
- Maintaining an SR-22 filing for twelve months
- Fines between $300 and $1,000 (or between $800 and $2,500 for subsequent convictions)
- Up to six months in jail
- Higher insurance rates in the future
Wichita KS car Insurance Rates By Company
According to our 2025 data, Nationwide offers the most affordable full-coverage car insurance for residents in Wichita ks. A six-month coverage costs $637, with an average monthly premium of $106. With coverage starting at $109 per month or $655 for a six-month policy, USAA comes in second. Use The Zebra’s Customer Satisfaction Survey to learn more about the top-rated auto insurance providers.
Company Avg. 6 Mo. Premium
Nationwide………………………………………..$637
USAA…………………………………………………$655
GEICO………………………………………………$667
State Farm…………………………………………$683
Farm Bureau Mutual (IA Group)…………$685
Progressive………………………………………..$976
Allstate……………………………………………..$1,258
Factors Allowed in Wichita Car Insurance Rates
Some factors that affect how much you have to pay for car insurance at Wichita are the things insurance companies look out for.
- Driving record
- Age
- Gender
- Zip code
- Marital status
- Type of vehicle
- Credit rating
How Much Does Car Insurance Cost in Wichita, KS?
The average annual premium for full-coverage car insurance in Wichita is $1,776. It is more expensive than both the national average for car insurance in the United States, which is $1,674 and the average for full coverage in Kansas, which is $1,698 annually.
The average yearly cost of liability, or the state-mandated minimum, auto insurance coverage in Kansas is $410. That increases to $600 a year in Wichita. The average minimum salary nationwide is $564 per year.
The cost of insurance in Wichita, Kansas, is determined by several things. These include your age, gender, car make and model, and zip code in which you live, among other things. Some zip codes pay a higher average cost of car insurance than others due to the number of claims in those zip codes. For additional information, visit here.
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