Legally, car insurance is requiredOver 2 million drivers are licensedKansas is a large state, making it difficult for Kansas drivers to find affordable car insurance. BothAuto-OwnersAndState FarmWe offer the best car insurance in Wichita.Bankrate’s 2021 study on annual premiums found that Wichita has an average rate of $513 for minimum liability coverage and $1776 for full coverage.Nearly40% of Wichita households own two carsIt is worth shopping around for the best car insurance at the lowest rates.
Bankrate’s insurance editorial team identifies the best car insurance companies by using an in-depth analysis of several essential factors, including available coverage, pricing, discounts, and third-party ratings. Based on these factors and more, the following companies are the best cheap car insurance in Wichita worth considering for 2021.
The best car insurance in Wichita
There are many factors that determine the best Wichita car insurance companies. We look to third-party ratings such as AM Best for financial strength and the 2021 J.D. Power Auto Insurance Study to ensure customer satisfaction. These are the top Wichita car insurance companies that offer low-cost insurance.
Auto-Owners
Auto-Owners has the lowest auto insurance rates. They also have above-average customer satisfaction scores. You have many options for coverage and can add additional protections to your policy to make it more comprehensive. You can choose from coverage for new car replacement, road problem service, and loan/lease gap. Personal Automobile Plus Package includes more than ten types of car insurance, including identity theft and cell coverage.
State Farm
State Farm has the largest market share and offers the lowest rates. The average premium for full coverage is $1,282 per annum. State Farm offers a variety of insurance products and discounts, making it a great choice for Wichita drivers looking to save money on other policies. State Farm’s 2021 J.D. survey scores of high customer satisfaction indicate that you can expect excellent customer service. Power Auto Insurance Study.
Farmers
Farmer’s auto insurance policy averages less than $500 annually. Farmers agents have years of experience dealing with disasters. This is something you should keep in mind when looking for a Wichita car insurance company. According to the insurer’s site, its agents go through best-in-class training before ever selling policies to drivers. J.D.’s second highest customer satisfaction rating is likely due to Farmers’ highly-trained agents. Power.
Allstate
Although Allstate has lower than average customer satisfaction scores in the Central region, it is still a well-known carrier in Wichita due to its low rates. It also offers excellent auto insurance options, including its Drivewise program that uses telematics-based data to save you money for safe driving. Allstate provides great coverage for Wichita drivers with country-wide coverage.
American Family
American Family’s customer satisfaction scores are close to the regional average. However, as the ninth-largest car insurer in the country, American Family offers cheap coverage with lots of opportunities for discounts to further reduce the cost of car insurance in Wichita. You could bundle home and auto insurance to take advantage of the bundling discount. American Family is an excellent choice for Wichita drivers, with its low car insurance rates and average or better customer service ratings.
Wichita has the lowest car insurance
The table below shows the average annual premiums for the largest, cheapest car insurance companies in Wichita, based on market share. Most of the carriers have lower average rates than the national average cost of car insurance, which is $565 per year for minimum and $1,674 per year for full coverage.
The best car insurance companies also included four of the five companies listed below. This means that finding the lowest cost car insurance company could save you money and help you choose the right coverage. In fact, Wichita drivers pay more than the average cost of Kansas car insurance, making it that much more important that you find auto insurance that adequately meets your needs.
USAA has the lowest average annual premiums and earns the highest score for customer satisfaction in the Central Region. However, coverage is limited to military personnel, veterans, and their families.
Every company offers a variety of insurance products, discounts, and coverage options to suit every household’s needs and budget. All companies have A- or better financial ratings from A.M. Best, the Better Business Bureau. This indicates that they are financially strong and capable of paying claims.
Wichita insurance requirements
Kansas, like most states, has minimum liability coverage requirements for each vehicle. The state has a 25/50/25 minimum coverage limit, allowing for:
- $25,000 per person forLiability for bodily injury
- $50,000 per accident forLiability for bodily injury
- $25,000 per accident forProperty damage liability
- $4,500 per person forPersonal injury protection (PIP).
- $25,000 per person foruninsured/underinsured motorist coverage
- $50,000 per accident foruninsured/underinsured motorist coverage
It can be tempting just to get the minimum liability-only coverage at the lowest rates. However, this may not be the best option for your financial future. For example, leased and financed vehicles may need to have full coverage in order to meet lender loan requirements.
The policy limits that provide minimum coverage may not be sufficient if you are in an accident that causes significant property damage or injury. However, by comparing cheap rates from some of the best car insurance companies in Kansas and Wichita, you could find the right policy to fit your budget and provide adequate financial protection.
Wichita car insurance discounts
Applying discounts to your car insurance is a great way to get cheaper rates from top auto insurance companies in Wichita, Kansas. Ask if you qualify for:
- Accident-free/Clean driving record:A clean driving record can help you save more if you are a safe driver.
- Good student discount:Students under 25 can often get a discount on good grades by being licensed student drivers.
- Preventing motor vehicle accidentsWichita drivers might be eligible for a defensive driving course, which is not available in all states.
- Multi-car:Insurance providers often offer discounts to drivers who insure more than one vehicle.
- Multi-policy:You can insure multiple insurance products (car, home and life), at the same time. Bundling with the same company could result in a discount.
Bundling discounts can often result in significant savings for drivers, as claim risk is spread out. There may be other savings and discounts you are eligible for.
Questions frequently asked
Which is the best auto insurance company?
Ask yourself what are your top priorities when buying insurance. These could be cost, claims experience and special coverages. Once you know what is most important, you could more easily begin to find the best car insurance company for your household needs and budget.
What is the cost of car insurance in Wichita?
Each company has its own car insurance premiums. However, Wichita’s rates are slightly higher than the Kansas average. Although rates in the city are lower than the national average for car insurance, drivers can compare rates online to find the best rates that fit their budget.
What amount of car insurance do you need in Wichita
The amount of coverage you need will depend on whether you own your vehicle without a loan or lease, and what financial protection you require. Wichita drivers might be able find better coverage options and more affordable premiums if they have higher liability limits than Kansas.
What is full coverage auto insurance?
Full coverage car insurance can be a better option than minimum liability for most drivers. The average full coverage policy includes extended protections for your auto insurance, in addition to required types of car insurance like liability coverage. You may talk to your agent before you buy an auto insurance policy.
How can I find the best Wichita auto insurance?
To find the cheapest Wichita car insurance for you, it may be worth taking the time to find and compare top auto insurance quotes. You should not only consider the cheapest auto insurance company, but also those with the best coverage options and third-party ratings.