Car Insurance Cost in Wichita, KS (2023 Rates)

• Average Wichita car insurance cost is $1,880 per year for a full coverage policy. Average cost per month is about $157.
• For cheap auto insurance in Wichita, models like the Subaru Crosstrek, Mazda CX-5, and Nissan Kicks rank well for overall car insurance cost.
• A few models with the lowest cost car insurance in Wichita in their automotive segment include the Subaru Impreza at $1,558 per year, Acura Integra at $1,690 per year, Nissan Titan at $1,860 per year, and Ford Maverick at $1,560 per year.

How much does car insurance cost in Wichita?

The average car insurance cost in Wichita is $1,880 per year, which is 8.4% more than the overall U.S. national average rate of $1,728. The average cost of car insurance per month in Wichita is $157 for full coverage.

The average cost of car insurance in Kansas is $1,776 per year, so Wichita drivers pay an average of $104 more per year than the overall Kansas state-wide average rate. The average cost of car insurance in Wichita compared to other Kansas locations is $174 per year more expensive than in Topeka, $186 per year more than in Overland Park, and $202 per year more than in Olathe.

The chart below goes into more detail for drivers age 20 to 60 by showing a range of rates for different driver ages and common risk profiles.

In the chart above, the cost of auto insurance in Wichita ranges from $1,562 per year for a 40-year-old driver who receives many policy discounts to $4,272 per year for a 30-year-old driver who has a subpar driving record and has to buy high risk car insurance. From a monthly budget point of view, the average cost in the prior chart ranges from $130 to $356 per month.

Wichita auto insurance rates have extreme variability and seemingly inconsequential changes in a driver’s risk profile can cause enormous changes in car insurance premiums. Since there can be such a large difference in rates, it reinforces the need for accurate car insurance quotes when shopping online for the cheapest car insurance in Wichita.

The age of the driver has a big impact on the price of car insurance. The list below details how driver age influences cost by showing average car insurance rates in Wichita for young, middle-age, and senior drivers.

Wichita car insurance cost for drivers age 16 to 60

• 16-year-old rated driver – $6,736 per year or $561 per month
• 17-year-old rated driver – $6,300 per year or $525 per month
• 18-year-old rated driver – $5,884 per year or $490 per month
• 19-year-old rated driver – $5,328 per year or $444 per month
• 20-year-old rated driver – $3,740 per year or $312 per month
• 30-year-old rated driver – $1,982 per year or $165 per month
• 40-year-old rated driver – $1,880 per year or $157 per month
• 50-year-old rated driver – $1,714 per year or $143 per month
• 60-year-old rated driver – $1,682 per year or $140 per month

The previous rates shown for drivers age 16 to 19 were based on a male driver. The next chart goes into more detail for teenage car insurance rates and breaks out the average cost for car insurance for teen drivers in Wichita by gender. Teenage females are expensive to insure, but do tend to have cheaper car insurance rates than males of the same age.

Auto insurance for a 16-year-old female driver in Wichita costs an average of $806 less per year than the cost to insure a 16-year-old male driver, while at age 19, the cost is still $592 less per year.

The vehicles that have high popularity in Wichita tend to be small or midsize cars like the Hyundai Elantra and Honda Accord and compact and midsize SUVs like the Chevy Equinox and Subaru Outback.

Some additional popular vehicles from other segments include luxury models like the Infiniti Q50 and Infiniti QX60, pickup trucks like the Toyota Tacoma and Chevy Silverado, and sports cars like the Porsche 911 and Nissan GT-R.

We will get into rates for lots more vehicles later on in this article, but before we get into that, let’s review some of the concepts that we covered in the first section.

• Teenage girls pay cheaper rates than teen males – Teenage female drivers age 16 to 19 pay $592 to $806 less per year than males of the same age.
• Low deductible auto insurance costs more – A 20-year-old driver pays an average of $980 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
• Cost per month ranges from $140 to $561 – That is the average auto insurance price range for drivers from age 16 to 60 in Wichita.
• Auto insurance for teen drivers is expensive in Wichita – Average rates range from $4,736 to $6,736 per year for teen driver car insurance in Wichita.
• Auto insurance gets more affordable as you age – Average rates for a 50-year-old driver in Wichita are $2,026 per year cheaper than for a 20-year-old driver.
• Insurance rates fall significantly between ages 20 and 30 – The average 30-year-old Wichita driver will pay $1,758 less each year than a 20-year-old driver, $1,982 compared to $3,740.

Which vehicles are cheapest to insure in Wichita?

The models with the lowest cost average insurance rates in Wichita tend to be crossovers and compact SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Buick Envision, and Mazda CX-5. Average car insurance rates for those vehicles cost $1,766 or less per year for a policy with full coverage.

Additional vehicles that rank well in the comparison table below are the Ford Maverick, Subaru Ascent, Hyundai Kona, and Subaru Forester.

Rates are a little higher for those models than the cheapest small SUVs at the top of the list, but they still have average rates of $1,892 or less per year ($158 per month).

The table below ranks the top 20 models with the cheapest car insurance rates in Wichita, sorted by annual and monthly insurance cost.

A table of 20 vehicles with the cheapest insurance in Wichita is great if you’re just wanting the lowest rates. A better way to rank rates in an organized fashion is to sort them by vehicle segment.

The next section of this article further discusses the average price of auto insurance in Wichita for each vehicle segment. This should give a decent idea of the types of vehicles that have the overall least expensive rates. Then the sections after the chart rank the 20 models with the cheapest rates in the most popular automotive segments.

Wichita car insurance rates by vehicle segment

When shopping for a new or used vehicle, it’s advantageous to know which types of vehicles are cheaper to insure. As an example, maybe you’re wondering if midsize SUVs are more affordable to insure than full-size SUVs or if luxury cars or SUVs have more expensive car insurance than non-luxury models.

The next chart displays average auto insurance rates in Wichita for different vehicle segments. As a general rule, compact and midsize SUVs, vans, and midsize pickups have the least expensive average car insurance rates, with sports cars and performance luxury models having the highest average insurance cost.

Average rates by segment are handy for comparing estimates, but the insurance cost for specific vehicles ranges quite a lot within each vehicle category listed above.

For example, in the midsize SUV segment, car insurance rates in Wichita range from the Honda Passport costing $1,462 per year for full coverage insurance to the Rivian R1S costing $2,300 per year. Also, in the large truck segment, the cost of insurance ranges from the Nissan Titan at $1,860 per year up to the GMC Hummer EV Pickup at $2,372 per year, a difference of $512 within that segment.

In the upcoming sections, we eliminate a lot of this variability by comparing average auto insurance cost for specific cars, trucks, and SUVs.

Cheapest cars to insure in Wichita

The most affordable sedans and hatchbacks to insure in Wichita are the Subaru Impreza at $1,558 per year, the Volkswagen Jetta at $1,716 per year, and the Subaru Legacy at $1,732 per year.

Also ranking well in our comparison are models like the Toyota Camry, Volkswagen Golf, Kia K5, and Toyota Prius, with an average cost of $1,814 per year or less.

From a cost per month standpoint, car insurance rates in Wichita on this segment will start around $130 per month, depending on where you live.

When the car segment is analyzed by vehicle size, the most budget-friendly compact car to insure in Wichita is the Subaru Impreza at $1,558 per year, or $130 per month. For midsize cars, the Subaru Legacy has the cheapest rates at $1,732 per year, or $144 per month. And for full-size sedans, the Chrysler 300 is cheapest to insure at $1,834 per year, or $153 per month.

The rate comparison table below ranks the cars with the cheapest insurance in Wichita, starting with the Subaru Impreza at $130 per month and ending with the Volkswagen Arteon at $164 per month.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Don’t see your vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Wichita car insurance quotes from top-rated car insurance companies in Kansas.

Cheapest SUVs to insure in Wichita

Ranking highest for the most affordable Wichita auto insurance rates in the SUV segment (excluding luxury models) are the Honda Passport, Chevrolet Trailblazer, Subaru Crosstrek, Nissan Rogue Sport, and Nissan Kicks. Car insurance rates for these vehicles average $122 or less per month.

Also ranking well in our comparison are SUVs like the Subaru Ascent, Mazda CX-5, Buick Encore, and Buick Envision, with average cost of $1,530 per year or less.

Additional vehicles that make the list include the Hyundai Kona, Ford Edge, Honda HR-V, Chevrolet Trax, and Volkswagen Atlas, which cost between $1,530 and $1,614 per year for auto insurance.

Auto insurance rates in this segment will start around $119 per month, depending on your location.

The rate comparison table below ranks the SUVs with the lowest-cost auto insurance rates in Wichita, starting with the Chevrolet Trailblazer at $119 per month and ending with the Chevrolet Trax at $135 per month.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Looking for rates for a different SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Kansas.

Cheapest pickup truck insurance rates in Wichita

The Ford Maverick ranks in the top spot for the cheapest pickup to insure in Wichita, followed by the Chevrolet Colorado, Nissan Frontier, Ford Ranger, and GMC Canyon. The 2023 model costs an average of $1,560 per year to insure for full coverage.

Some other pickups that have affordable insurance rates are the Nissan Titan, Toyota Tacoma, Honda Ridgeline, and Hyundai Santa Cruz, with an average cost to insure of $1,912 per year or less.

Auto insurance for this segment in Wichita for the average driver will start around $130 per month, depending on your location.

The comparison table below ranks the twenty pickups with the cheapest average insurance rates in Wichita, starting with the Ford Maverick at $1,560 per year ($130 per month) and ending with the Nissan Titan XD at $2,098 per year ($175 per month).

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Is your pickup truck not in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Wichita car insurance quotes from top-rated companies in Kansas.

Cheapest sports cars to insure in Wichita

Ranking at the top of the list for the cheapest Wichita car insurance rates in the sports car and performance segment are the Subaru WRX, Ford Mustang, Mazda MX-5 Miata, BMW Z4, and Audi TT. Insurance rates for these 2023 models average $173 or less per month.

Other models that have cheaper rates are the Nissan Z, Toyota GR86, BMW M2, and Subaru BRZ, with an average car insurance cost of $2,264 per year or less.

Additional vehicles worth mentioning include the BMW M3, Chevrolet Corvette, Jaguar F-Type, Porsche 718, and Mercedes-Benz AMG GT53, which average between $2,264 and $2,826 per year for full-coverage insurance in Wichita.

On a monthly basis, auto insurance rates in Wichita on this segment for a safe driver will start around $145 per month, depending on your company and location. The next table ranks the twenty sports cars with the cheapest average auto insurance rates in Wichita, starting with the Mazda MX-5 Miata at $1,738 per year ($145 per month) and ending with the Lexus LC 500 at $2,826 per year ($236 per month).

Need rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Wichita.

Cheapest luxury car insurance rates in Wichita

The three top-ranked luxury cars with the most affordable average auto insurance rates in Wichita are the Acura Integra at $1,690 per year, the BMW 330i at $1,910 per year, and the Acura TLX at $1,940 per year.

Not the cheapest to insure, but still ranked well, are cars like the Lexus ES 350, Lexus ES 250, BMW 228i, and Cadillac CT5, with an average car insurance cost of $2,042 per year or less.

Auto insurance in this segment for an average middle-age driver will start around $141 per month, depending on the company and where you live.

When vehicle size is considered, the most budget-friendly small luxury car to insure in Wichita is the Acura Integra at $1,690 per year, or $141 per month. For midsize luxury cars, the Cadillac CT5 is cheapest to insure at $2,022 per year, or $169 per month. And for full-size luxury models, the Audi A5 is most affordable to insure at $2,110 per year, or $176 per month.

The table below ranks the cars with the most affordable car insurance in Wichita, starting with the Acura Integra at $1,690 per year ($141 per month) and ending with the Volvo S60 at $2,098 per year ($175 per month).

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Kansas.

Cheapest luxury SUVs to insure in Wichita

The four cheapest luxury SUVs to insure in Wichita are the Acura RDX at $1,568 per year, Lexus RX 350 at $1,684 per year, Cadillac XT4 at $1,698 per year, and Volvo XC40 at $1,728 per year.

Some other luxury SUVs that rank well in our comparison include the Cadillac XT5, Lexus UX 250h, Cadillac XT6, and Mercedes-Benz GLB 250, with average rates of $1,832 per year or less.

Some additional models that rank well include the BMW X1, Lincoln Corsair, Acura MDX, Mercedes-Benz GLC300, and Lexus NX 350h, which average between $1,832 and $1,916 per year to insure.

As a cost per month, full-coverage auto insurance in Wichita on this segment for a safe driver starts at an average of $131 per month, depending on your company and location.

If prices are ranked by vehicle size, the cheapest compact luxury SUV to insure in Wichita is the Acura RDX at $1,568 per year. For midsize 2023 models, the Lexus RX 350 is cheapest to insure at $1,684 per year. And for large luxury SUVs, the Volvo XC90 has the best rates at $1,940 per year.

The next table ranks the twenty SUVs with the cheapest insurance in Wichita, starting with the Acura RDX at $1,568 per year ($131 per month) and ending with the Mercedes-Benz GLC300 at $1,916 per year ($160 per month).

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Looking for rates for a different model? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Wichita car insurance quotes from top companies in Kansas.

Tips for cheaper Wichita auto insurance rates

Smart drivers are always looking to pay less for car insurance, so glance at the money-saving ideas below and it’s very likely you can save a little dough on your next auto insurance policy.

• Negligent drivers pay higher car insurance rates. Having multiple accidents could cost you more, to the tune of $872 per year for a 30-year-old driver and even $602 per year for a 50-year-old driver. So be safe and save.
• Shop your coverage around. Setting aside 5-10 minutes to get free car insurance quotes can significantly reduce your monthly cost. Rates change more often that you might think and you can change companies at any time.
• Good credit scores mean better rates. Having a high credit score of 800+ could save $295 per year over a rating of 670-739. Conversely, a lesser credit score could cost up to $342 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Keep your claim-free discount. Car insurance companies reduce rates a little if you have no claims. Insurance should only be used to protect you from significant claims, not minor claims.
• Driving violations increase insurance rates. If you want to get affordable car insurance in Wichita, it pays to not be aggressive behind the wheel. Not surprisingly, just a couple of minor traffic citations have the consequences of increasing car insurance rates by as much as $498 per year.
• Reduce coverage on older cars. Removing comprehensive and/or collision coverage from vehicles whose value has dropped to the point where coverage is not cost effective can cut the cost of auto insurance substantially.
• Consider raising your deductibles. Increasing deductibles from $500 to $1,000 could save around $284 per year for a 40-year-old driver and $552 per year for a 20-year-old driver.