Wichita Car Insurance

Everything You Need to Know About Car Insurance in Wichita, KS

Find the right car insurance policy for you.

Wichita, the largest city in Kansas, is an industrial hub located on the banks of the Arkansas River. CNN Money ranked Wichita, KS as the No. 1 Most Affordable City in the United States, and it is repeatedly a top choice potential homeowners in Kansas. With so many people coming in and out of this city, the roads are usually congested. Before you head out into traffic, make sure you’re covered with the best Wichita car insurance. TrustedChoice.com Independent Insurance Agents can help you find the most affordable car insurance options that will best protect your car from common roadway threats.

  • National average cost per year: $1,311
  • Kansas average cost per year: $1,147
  • #33 most expensive auto premium in the U.S.

Kansas car insurance rates are typically lower than the national average, but premiums can vary pretty dramatically from one driver to the next. Your individual rate is determined by several factors. Your age, your driving history, your car's make and model, and your recent auto claims are all taken into consideration when an insurer quotes you a customized Wichita auto insurance rate.

Kansas Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 25/50/10

All drivers in Kansas are legally required to have car insurance. Minimum coverage limits are $25,000 for individual injuries, $50,000 total for all injuries in an accident and $10,000 for any resulting property damage. Trusted Choice agents can help you determine how much coverage you really need so that the cost of an accident is always completely covered by your car insurance plan.

Number of Uninsured Motorists in Kansas

  • Number of uninsured U.S. drivers: 13%
  • Number of uninsured Kansas drivers: 7.2%

Even though Kansas law requires all Wichita drivers to have auto insurance, uninsured drivers remain a problem. When you have an accident with an uninsured driver who is at fault, you have to pay the bill for your own auto repairs. You can avoid this nightmare by choosing a car insurance plan that includes protection for uninsured motorists.

Number of Auto Thefts in Kansas

  • National number of thefts for 1,000 vehicles: 2.28
  • Number of thefts for 1,000 vehicles in Kansas: 2.69

Most drivers never stop to think about car theft until it’s too late. It seems like a far-fetched problem, but cars are stolen every single day. Every driver in Wichita should think about this risk carefully and choose an auto insurance plan that provides complete coverage in case of theft. When you choose a policy that compensates you for the cost of replacing your car in case it is ever stolen, you have peace of mind that even a malicious carjacker can’t do serious damage to your bank account.

Find a Great Wichita Car Insurance Policy

Shopping for Wichita auto insurance is easier than ever with a Trusted Choice Independent Insurance Agent by your side. Our experienced agents can walk you through your coverage options, answer your questions and even provide you with quotes from multiple policies in one place. If you’re searching for the most affordable car insurance rates in Wichita, contact an agent today.

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