For a 40-year-old driver with a clean record, car insurance in Wichita, KS, averages about $241 a month ($2,888 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 9% above the Kansas average of $222 a month. Among insurers anyone can buy from, Travelers has the lowest full-coverage average in our Wichita table, about $166 a month, effectively tied with GEICO’s $171.
Wichita, the state’s largest city, costs more than most of Kansas for our benchmark driver: about $19 a month more than the Kansas average. Of the eight Kansas cities with three or more ZIP codes in our data, only Kansas City costs more, at $256 a month, and Wichita is the seventh-most expensive of the 74 Kansas cities and towns we price.
Our data covers 21 ZIP codes with a Wichita mailing address, and full coverage varies by about $24 a month across them. For statewide prices and how Kansas compares with its neighbors, see our Kansas car insurance guide.
Cost data comes from the auto rates insurers file with state regulators, priced across all 21 Wichita ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 10, 2026.
Full coverage in Wichita averages $2,888 a year, or about $241 a month, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $876 a year ($73 a month), and 50/100/50 liability with comprehensive and collision averages $2,790 ($233 a month).
The statewide Kansas rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the nine, all five published in 2026, put it first, apart from USAA, which sells only to military families. Two of the others put GEICO first, one State Farm and one Nationwide. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among these six insurers, at about $43 a month, followed by Farm Bureau Financial Services at $56.
Full-coverage averages by insurer in Wichita
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $517 | $43 | $2,384 | $199 |
| State Farm | $728 | $61 | $2,429 | $202 |
| American Family | $1,013 | $84 | $2,653 | $221 |
| Farmers | $1,061 | $88 | $2,902 | $242 |
| Farm Bureau Financial Services | $668 | $56 | $3,263 | $272 |
| Allstate | $1,270 | $106 | $3,695 | $308 |
| USAA (military families)* | $540 | $45 | $1,480 | $123 |
| Travelers* | $813 | $68 | $1,994 | $166 |
| GEICO* | $644 | $54 | $2,055 | $171 |
| Shelter Insurance* | $1,245 | $104 | $2,662 | $222 |
| Wichita average | $876 | $73 | $2,888 | $241 |
This table uses Wichita ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the 21 Wichita ZIP codes we price, full coverage for our driver ranges from about $228 a month in 67235 to $252 in 67203 and 67211, a gap of $286 a year. Prices are highest close to downtown: 67203, 67211 and 67213, each within about two miles of the city center, average about $251 to $252 a month. The least expensive Wichita ZIP codes in our data are on the edges of the city: 67235 on the far west side ($228), 67205 in northwest Wichita and 67230 on the far east side ($230 each).
Lowest-priced Wichita ZIP codes
Highest-priced Wichita ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Wichita’s average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 67203 | $914 | $76 | $3,024 | $252 | +5% |
| 67204 | $872 | $73 | $2,913 | $243 | +1% |
| 67205 | $841 | $70 | $2,756 | $230 | -5% |
| 67206 | $864 | $72 | $2,843 | $237 | -2% |
| 67207 | $891 | $74 | $2,887 | $241 | About average |
| 67208 | $868 | $72 | $2,896 | $241 | About average |
| 67209 | $881 | $73 | $2,866 | $239 | -1% |
| 67210 | $884 | $74 | $2,899 | $242 | About average |
| 67211 | $894 | $75 | $3,026 | $252 | +5% |
| 67212 | $863 | $72 | $2,806 | $234 | -3% |
| 67213 | $911 | $76 | $3,012 | $251 | +4% |
| 67214 | $889 | $74 | $2,981 | $248 | +3% |
| 67215 | $862 | $72 | $2,834 | $236 | -2% |
| 67216 | $904 | $75 | $2,958 | $247 | +2% |
| 67217 | $886 | $74 | $2,919 | $243 | +1% |
| 67218 | $904 | $75 | $2,990 | $249 | +3% |
| 67219 | $877 | $73 | $2,890 | $241 | About average |
| 67220 | $872 | $73 | $2,836 | $236 | -2% |
| 67226 | $862 | $72 | $2,803 | $234 | -3% |
| 67230 | $829 | $69 | $2,764 | $230 | -5% |
| 67235 | $830 | $69 | $2,740 | $228 | -5% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $98 a year on average in our Wichita data, with the same $500 deductibles. That’s about $8 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for full coverage, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Wichita ZIP codes, their full-coverage average fell from $2,952 a year 10 months earlier to $2,726 in rates as of Sept. 30, 2026, a 7.7% drop. American Family cut its Wichita average 28.5% and State Farm 8.0%, while Farmers raised its average 5.1%; Farm Bureau Financial Services’ and Progressive’s averages were unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the Wichita average above. Liability-only coverage at 25/50/10 limits rose 3.9%, led by Farmers, which raised its liability-only average 19.6%.
Sedgwick County averages about $237 a month for full coverage, the eighth-most expensive of the 41 Kansas counties we price, and Wichita costs more than any of the other seven Sedgwick County cities and towns in our data.
Statewide, the highest prices in our data are in southwest Kansas, where Dodge City averages about $264 a month and Garden City $261, and in Kansas City, at $256, while Topeka, at $208, and Overland Park, at $211, cost less than Wichita. Where you live is one of the factors Kansas insurers use, so neighboring cities can be priced differently.
More Kansas cities and towns are in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
Derby, about 10 miles south, averages $220 a month, and Goddard, about 14 miles west, $218. Hutchinson, about 42 miles northwest, averages $218, and Kansas City, Kansas, about 175 miles northeast, $256.
Drivers in Wichita follow Kansas’ rules. Every Kansas policy must include at least:
Our guide to Kansas car insurance requirements covers the no-fault rules, proof of insurance and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Kansas law and the Kansas Department of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Wichita averages about $241 a month ($2,888 a year) and liability-only coverage at 25/50/10 limits about $73 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is 9% above the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Wichita table, at about $166 a month, effectively tied with GEICO at $171. USAA, which sells only to military families, is lower still, at about $123 a month. Among the six major insurers we compared, Progressive and State Farm are effectively tied for the lowest full-coverage average, at about $199 and $202 a month. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average, at about $43 a month. Five of the nine statewide Kansas rate studies we reviewed, all five published in 2026, rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Every other Sedgwick County city and town we price costs less than Wichita, where full coverage averages about $241 a month: Goddard averages about $218, Derby $220, Valley Center $224, Maize $226, Clearwater $230, Mulvane $231 and Haysville $237. Andover, in Butler County, averages $225.
Wichita drivers follow Kansas law: at least $25,000 per person and $50,000 per crash in bodily injury liability and $25,000 in property damage liability, plus personal injury protection that pays at least $4,500 per person in medical bills and uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per crash. Our liability-only prices use 25/50/10 limits, a lower property damage limit than the law requires.
Yes, for injuries. Your own personal injury protection pays first for medical bills and lost income, whoever caused the crash. You can sue the other driver for pain and suffering only if your medical treatment is worth $2,000 or more or the injury is serious, such as a fracture of a weight-bearing bone or a permanent injury. PIP doesn’t cover damage to cars; the at-fault driver’s liability coverage pays for that.
Two things. First, full coverage got cheaper for our benchmark driver: comparing the five insurers in both sets of rates in the same Wichita ZIP codes, it fell 7.7% over the past 10 months, from about $2,952 to $2,726 a year, while liability-only coverage at 25/50/10 limits rose 3.9%. Second, since July 1, 2026, Kansas has checked insurance through KSIVS, a real-time verification system that matches insurers’ records to each vehicle’s VIN at traffic stops and registration renewals, so keep your coverage continuous and your proof handy.
For our benchmark driver, full coverage in Wichita averages about $241 a month. Nearby, Derby averages about $220, Hutchinson about $218 and Emporia about $210. Derby, Hutchinson and Emporia are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
