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When searching for auto insurance rates in Wichita, KS, it can be valuable to understand all you can about car insurance coverage. You may need to ask questions like, “How can I find the best auto coverage rates?” or “What kind of auto insurance coverage should I have?” Take a look through this guide to learn how to navigate the world of auto insurance in Wichita, Kansas.
What Are the Average Insurance Rates in Wichita, Kansas?
Auto insurance rates cost an average of $212 per month or $2544 per year in Wichita, KS. These rates include the required minimum coverage, which consists of bodily injury and property damage liability, uninsured motorist protection, and personal injury protection. That is higher than both the state average and the national average. Rising vehicle theft, massive traffic congestion, and urban living conditions are all factors in the increasing costs of auto insurance in Wichita.
Who Are the Cheapest Auto Insurance Companies in Wichita?
Car insurance rates vary depending on the insurance company from which you purchase auto insurance. Each insurance company provider rates your personal information, like driving history and credit score, differently from other competitors. This is just one reason you’ll see such a difference in auto insurance rates across various car insurance providers.
Below is a list of the cheapest auto insurance rates per month for five different insurance companies in Wichita. These monthly rates reflect the minimum amount of coverage required by the state of Kansas, which is bodily injury and property damage and uninsured/underinsured motorist coverage. It’s always best to compare rates with additional auto insurance agencies, as insurance costs can decrease or increase at any time.
- Allstate: $57 per month
- State Farm: $78 per month
- Nationwide: $98 per month
- Progressive: $118 per month
- American Family: $137 per month
How Do I Find the Right Auto Insurance Coverage for My Budget?
One of the best ways to find the right auto insurance coverage for your budget is to gather quotes from multiple insurance providers and then compare them with each other. Remember, you’re not simply comparing the monthly or annual premiums. You need to also consider the type of coverage provided and any special discounts offered. Each insurance company also calculates its rates differently. You may be pleasantly surprised at the premium you are quoted by some insurance providers.
Below is a comparison of the annual minimum state coverage rates and annual full coverage rates between various insurance providers:
- USAA: $270 per year
- American Family: $376 per year
- Nationwide: $397 per year
- State Farm: $402 per year
Here are the state-wide annual full coverage rates from the same providers:
- USAA: $623 per year
- American Family: $758 per year
- Nationwide: $764 per year
- State Farm: $848 per year
What Are the Different Types of Car Insurance Available in Wichita?
There is a wide range of car insurance coverages available for Wichita drivers.
- Liability: Liability coverage takes care of expenses for the other driver, both bodily injury and property damage, if you are at fault in a car accident.
- Uninsured/underinsured motorist: This coverage protects you when the other party is at fault and does not have insurance or is underinsured. It will pay for bodily injury damages to you or other passengers in your vehicle at the time of the accident.
- Personal Injury Protection: Also referred to as PIP, this type of vehicle insurance pays for any of your personal expenses that may result from an auto accident, regardless of the cause or who was at fault.
- Collision: Collision insurance helps pay for any repairs to your vehicle if it’s damaged in an accident, whether the accident involved another vehicle or an object like a tree or utility pole.
- Comprehensive: Comprehensive coverage pays to replace or repair your vehicle in the event it’s stolen, vandalized, or damaged in an incident that did not result from an accident. For example, this type of insurance will cover damage from a fire, a downed tree, or a smashed window.
What Are the Minimum Car Insurance Requirements in Wichita, Kansas?
Drivers with a registered vehicle in Wichita are required to have a minimum amount of liability insurance. The minimum required is referred to as 25/50/10. Coverage is provided for each person who is injured and consists of:
- $25,000 per individual for bodily injury liability
- $50,000 per incident for bodily injury liability
- $10,000 per incident for property damage liability
- $25,000 per person of uninsured/underinsured motorist bodily injury coverage
- $50,000 per incident of uninsured/underinsured motorist bodily injury coverage
Kansas also requires drivers to carry personal injury protection coverage in the event they are injured, cannot work, or experience an unfortunate death. This includes:
- $2,000 for funeral expenses
- $4,500 of medical coverage
- $4,500 for rehabilitation costs
- $900 per month for income loss (up to one year)
- $25 per day for at-home medical services (up to one year)
This coverage is the minimum requirement for Wichita motorists. If medical or unemployment expenses surpass these amounts, the driver will be responsible to pay anything that is not covered by their auto insurance policy.
What Is the Recommended Insurance Coverage for Wichita Drivers?
While you may be tempted to go with the cheapest car insurance rates available, it can backfire on you if you end up in a severe car accident. Minimum insurance coverage requirements in Wichita do not include collision or comprehensive coverage. Along with both comprehensive and collision insurance, it’s advantageous for Wichita drivers to also carry these recommended amounts of auto insurance coverage:
- $100,000 for individual bodily injury liability
- $300,000 for total bodily injury liability
- $100,000 for property damage liability
Are There Any Other Factors That Can Increase Insurance Rates?
Wichita drivers are bound to see increases in their insurance rates when they break driving laws. Driving while under the influence (DUI), a speeding ticket, or an at-fault car accident, will most likely cause a significant rise in insurance coverage premiums. This is also where comparing coverage rates among insurance providers will be helpful. Although your insurance rates will increase, with another insurance company, they may not increase as much as expected.
Use this article as a blueprint when looking for car insurance rates in Wichita, KS. Be sure to conduct your due diligence and compare insurance rates with several different auto insurance providers. You can also ask if they offer any special discounts to decrease your rates even lower. Regardless of where you get your auto insurance, make sure each auto insurance company answers all of your questions before committing to a specific auto insurance provider.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.