Car Insurance in Wichita, KS

Give yourself the peace of mind of knowing that your car insurance in Wichita, KS, covers you if your vehicle is stolen or otherwise destroyed in an auto collision.
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Making Your Way Around Wichita

Wichita is home to over 396,000 people, making it the largest city in Kansas. The city has major legacies in transportation. First, it was a major stop for cattle drives between Texas and Kansas railroads. Wichita also has played a significant role in the aviation industry, being the location of several aircraft manufacturers such as Cessna and Boeing. When you're here, you can visit the Kansas Aviation Museum to learn more about the city's aviation legacy.

There's plenty to do and see in Kansas's largest city. Catch a performance at the Music Theatre Wichita or relive the city's early days at the Old Cowtown Museum. You can make your way around town with Wichita's public transportation system which includes several buses, but you'll need a car to get to other places in the metropolitan area. With almost 650,000 people in Greater Wichita, the streets are full of vehicular traffic.

As a driver, you need to have car insurance in Wichita, KS. Per the Kansas Department of Transportation the number of fatal car crashes has risen over the past year. Wichita is also located in a region that sees a higher occurrence of certain natural disasters, including tornadoes, flooding and severe storms. These disasters can cause significant damage to your vehicle as well as create hazardous driving conditions, increasing the likelihood of a collision.

Understanding Your Responsibility

As a Wichitan, you're required to carry a minimum level of insurance, demonstrating your financial responsibility as a driver:

  • Liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage per accident
  • Uninsured/Underinsured motorist: Coverage for an accident involving a driver with no insurance or too little insurance at $25,000 per person and $50,000 per accident
  • Personal injury protection: Requires minimum coverages for personal injury and related expenses such as disability, loss of income, funeral, rehabilitation and in-home services, among others

A complete plan for car insurance in Wichita, KS, should also include collision coverage to pay for the repair or replacement of your vehicle. Comprehensive coverage pays for damage to your vehicle, due to theft, fire, vandalism and certain natural disasters. There are many options out there. VIU by HUB helps you compare similar plans to find the best policy that works for you and your budget.

Insuring Your Vehicle

On average, drivers in Wichita pay around $1,694 each year for full coverage. This is below the state average and the national average of $2,008. Many factors will affect your annual premium, so it's good to keep this in mind when comparing quotes:

  • Location: Drivers in cities like Wichita and surrounding areas tend to pay more.
  • Age: Younger, inexperienced drivers pay significantly more for coverage.
  • Driving record: Drivers with violations and at-fault accidents on their record pay higher rates.
  • Marital status: Married drivers tend to pay less than single drivers.
  • Gender: Male drivers pay more than female drivers, especially in younger age groups.

Other factors include the condition of your car, the cost to replace it and even your credit score. You may qualify for discounts that can mitigate factors that raise your rates. There are many plans out there, each with advantages and disadvantages. When you let VIU by HUB help you compare plans and quotes, you can be confident of getting the right amount of car insurance in Wichita, KS, at the right price.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


US Census Bureau

Wichita on Wikipedia

Kansas Department of Transportation

Kansas Insurance Department


Auto insurance in Kansas by city

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