Want more competitive insurance rates in Wichita, KS? Sick and tired of sacrificing other expenses to pay insurance each month? You have the same problem as many other Kansas drivers.

Statistics show that nearly 70% of drivers have stayed with the same insurance company for four years or more, and almost 40% of drivers have never even shopped around for affordable coverage. Many drivers in Kansas can cut their rates by roughly 55% a year by just comparing rate quotes, but they don't believe how much savings they would realize if they switched. You have multiple auto insurance companies to insure vehicles with, and even though it's nice to be able to choose, it can be more challenging to find the best rates.

It's a good habit to get comparison quotes on a regular basis because prices are usually higher with each renewal. Even if you think you had the lowest price on insurance at your last renewal other companies may now be cheaper. Forget anything you know (or think you know) about insurance because we're going to demonstrate how to quote online to find great coverage at a great price.

Many insurance companies give pricing on the web. Comparing prices online is easy for anyone because it's just a matter of typing in the coverages you want as requested by the quote form. When complete, their system makes automated requests for your driving and credit reports and gives you a price quote based on the information you submitted. This makes it a lot easier to compare rates and it is important to compare as many rates as possible if you want to get the most affordable insurance rates.

To find out how much you can save on insurance, compare rates now from the companies shown below. To compare your current rates, we recommend you enter the coverage information just like they are on your policy. This helps ensure you will get an apples-to-apples comparison based on similar coverages.

The auto insurance companies shown below offer free quotes in Kansas. If the list has multiple companies, we recommend you visit two to three different companies in order to get a fair rate comparison.

Insurance Rates for Popular Vehicles in Wichita
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Silverado Crew Cab Hybrid 2WD $762 $381 $64
Dodge Ram Crew Cab ST 2WD $1,052 $526 $88
Ford Escape Limited 4WD $1,056 $528 $88
Ford F-150 FX4 4WD $892 $446 $74
Ford Focus S 4-Dr Sedan $740 $370 $62
GMC Sierra SLT Extended Cab 2WD $1,084 $542 $90
Honda Accord LX 4-Dr Sedan $574 $287 $48
Honda CR-V LX 2WD $940 $470 $78
Honda Civic LX-S 4-Dr Sedan $904 $452 $75
Jeep Grand Cherokee Limited 4WD $1,342 $671 $112
Kia Optima LX $728 $364 $61
Nissan Altima 2.5 4-Dr Sedan $742 $371 $62
Nissan Rogue SL AWD $832 $416 $69
Toyota Camry Hybrid $1,028 $514 $86
Toyota Corolla XLE $1,016 $508 $85
Toyota Prius $946 $473 $79
Toyota RAV4 2WD $948 $474 $79
Get Your Own Custom Quote Go

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can lower or raise coverage prices noticeably.

How accidents and violations affect rates

The diagram below demonstrates how citations and fender-benders can drive up Nissan Altima yearly insurance costs for each age group. The premiums assume a married female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

Nissan Altima rates are for example purposes only. To get rates for your specific vehicle, click here.

Comparison of auto insurance rates by gender and age

The example below shows the difference between annual premium costs for male and female drivers in Wichita. Data assumes a clean driving record, no claims, full coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in on a Nissan Altima 3.5 SR.

Nissan Altima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Deductible analysis

The information below highlights how deductible selection and can increase or decrease Hyundai Sonata annual premium costs for each age group. The information is based on a single male driver, full physical damage coverage, and no discounts are factored in.

Hyundai Sonata rates are for example purposes only. To get rates for your specific vehicle, click here.

Nine discounts for affordable insurance quotes

Some companies don't always list every discount they offer in an easy-to-find place, so below is a list both the well known and the more hidden discounts you could be receiving when you buy Wichita car insurance online.Save money with discounts

Remember that some credits don't apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, companies wouldn't make money that way.

A list of companies and a selection of discounts are detailed below.

When comparing rates, check with every prospective company to give you their best rates. Some discounts listed above might not be available to policyholders in Wichita.

Here's why insurance is not optional

Despite the high cost of buying insurance in Wichita, insuring your vehicle serves an important purpose.

First, just about all states have mandatory insurance requirements which means the state requires a minimum amount of liability in order to drive the car legally. In Kansas these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a lien on your vehicle, most banks will stipulate that you have full coverage to guarantee loan repayment. If you let the policy lapse, the bank or lender will purchase a policy for your vehicle for a lot more money and require you to reimburse them the higher premium.

Third, insurance protects both your assets and your vehicle. It will also provide coverage for most medical and hospital costs incurred in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you cause an accident and are sued. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage.

The benefits of carrying enough insurance definitely exceed the price paid, particularly when you have a large claim. The average driver in Kansas is currently overpaying as much as $865 each year so you should quote and compare rates at least once a year to make sure the price is not too high.

Compare rates but still have a local Wichita insurance agency

Many people would rather talk to a local agent and often times that is recommended Most agents will help you protect your assets and will help you if you have claims. One of the benefits of getting online price quotes is that you can find the best rates and still choose a local agent.

Insurance agency in WichitaTo make it easy to find an agent, after completing this short form, your insurance data is instantly submitted to local insurance agents in Wichita that give free quotes for your coverage. You never need to search for any insurance agencies due to the fact that quote results will go to you directly. In the event you want to get a comparison quote from a particular provider, you can always find their quoting web page to submit a rate quote request.

Picking an company requires you to look at more than just the quoted price. The questions below may impact your decision as well.

The different types of car insurance agents

If you want to use a reliable agent, it helps to know the two different types of agents and how they can service your needs differently. Agents in Wichita can be described as either independent agents or exclusive agents. Both can provide insurance policies, but it is a good idea to know the difference in the companies they write for since it can affect your agent selection.

Exclusive Insurance Agents

These agents can only quote rates from one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to provide prices from multiple companies so always compare other rates. These agents are highly trained in insurance sales which helps offset the inability to provide other markets.

Listed below are exclusive insurance agencies in Wichita that are able to give price quote information.

Les Withrow - State Farm Insurance Agent
2929 N Rock Rd Ste 140 - Wichita, KS 67226 - (316) 636-1020 - View Map

2400 W Pawnee St #114 - Wichita, KS 67213 - (316) 942-4440 - View Map

9415 E Harry St Ste 704 - Wichita, KS 67207 - (316) 651-5600 - View Map

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Independent Insurance Agencies

These agents are normally appointed by many insurers so they can insure your vehicles through many different insurance companies enabling the ability to shop coverage around. If they quote lower rates, the business is moved internally which makes it simple for you. When searching for an agent, it's recommended you include several independent insurance agents in order to have the best price comparison.

Listed below are Wichita independent insurance agents that are able to give price quotes.

616 W Douglas Ave - Wichita, KS 67203 - (316) 440-1790 - View Map

10404 W Central Ave - Wichita, KS 67212 - (316) 689-3189 - View Map

245 N Waco Ave #330 - Wichita, KS 67202 - (316) 352-5700 - View Map

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Coverages available on your policy

Learning about specific coverages of insurance can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on most insurance policies.

Auto liability

Liability coverage protects you from damage or injury you incur to other people or property. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/10 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $10,000.

Liability can pay for claims like bail bonds, funeral expenses and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford. Kansas state minimum liability requirements are 25/50/10 but it's recommended drivers buy better liability coverage.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, a tree branch falling on your vehicle, fire damage, damage from getting keyed and vandalism. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for bills like doctor visits, EMT expenses, funeral costs, nursing services and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants from other motorists when they are uninsured or don't have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your vehicle.

Because many people have only the minimum liability required by law (25/50/10 in Kansas), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for collisions

Collision insurance pays for damage to your vehicle resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, sideswiping another vehicle, crashing into a building, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Car insurance claim information

Which vehicles tend to have fewer claims? The statistics below show the highest and lowest vehicle models for likelihood of having large claims for each type of coverage.

Lowest and Highest Liability Insurance Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Subaru Outback Chevrolet Cruze
Volvo XC60 Chrysler 200
Fiat 500 Hyndai Accent
Audi A6 Chevrolet Impala
Subaru Forester Kia Optima
Mercedes-Benz SL Class Kia Rio

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Comprehensive Coverage Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
GMC Sierra 2500 BMW M6
Nissan Xterra Bentley Continental GT
Chevy Silverado 2500 Maserati Granturismo
Nissan Leaf Maserati Quattroporte
Infiniti QX50 Porsche Panamera GTS
Volvo V60 Mercedes-Benz S Class

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Medical Payment Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 3500 Dodge Charger
Ford F-250 SuperCrew Hyundai Accent
Chevrolet Corvette Chevrolet Sonic
Chevrolet Silverado 2500 Chevrolet Spark
Land Rover Range Rover Sport Kia Forte
Ford F-350 SuperCrew Mitsubishi Mirage

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car Insurance Collision Claims by Vehicle
Lowest Claim Amount Highest Claim Amount
Ford Edge BMW 6 Series
Mini Cooper Maserati Ghibli
Smart ForTwo BMW M6
Nissan Xterra Maserati Granturismo
Ford F-250 SuperCab Bentley Continental Flying Spur
GMC Canyon Bently Continental GT

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years