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Get Cheap Car Insurance in Historic Midtown, Wichita, KS

We monitor insurance prices, helping the average driver in Historic Midtown save up to 29.5% on car insurance.

 

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The Cheapest Minimum Coverage in Historic Midtown

The chart below shows the cheapest car insurance company in Historic Midtown for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Kemper, Farm Bureau, and Travelers.

 
Historic Midtown Insurer Monthly Cost
State Farm $56
Kemper $58
Farm Bureau $61
Travelers $61

Savings for Every Kind of Historic Midtown Driver

The table shows how much the average auto insurance customer in Historic Midtown might save by following our recommendations.

Based on our extensive insurance data, we know the average Historic Midtown driver will save about 24% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $400 per year by choosing the right vehicle insurance company. Some Historic Midtown residents are paying out over $1,689 extra every year for auto insurance in Historic Midtown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Historic Midtown Car Insurance vs. Wichita

People living in Historic Midtown pay an average of 7.92% more than the typical driver in the state. The average driver in Historic Midtown can expect to pay about $910 per year, or $1,689 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Historic Midtown for most people.

Car Insurance Prices by Historic Midtown Neighborhood

Historic Midtown, Wichita, KS map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Historic Midtown?

The map shows insurance prices in and around Historic Midtown, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $229 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,804 to a low of $1,575. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southeast parts of Historic Midtown.

Pick the Best Car Insurance Company for You in Historic Midtown

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Historic Midtown insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Historic Midtown

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $400 over the average Historic Midtown car insurance company.

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We use the average good driver, paying $107 per month, as our baseline for pricing in Historic Midtown. Geico, Kemper, and Midvale Home & Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Historic Midtown drivers with accidents on their records

In Historic Midtown getting into an accident will raise premiums an average 33% for a yearly cost of $2,519. That's $830 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Kemper, and American Family Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $638 over the competition.

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The best car insurance company for Historic Midtown drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $455 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Historic Midtown, tickets raise premiums on new quotes about $422. If you have a speeding ticket, we recommend Geico, Dairyland, and Kemper for savings that beat the average insurance cost of $2,111 per year.

The best auto insurance for Historic Midtown drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,721 per year in auto insurance premiums, which was $1,032 more than a driver with no major issues. Travelers, Dairyland, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from Dairyland may cost the average person with a DUI about $746 less each year.

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The least expensive car insurance company for new and young drivers in Historic Midtown

In Historic Midtown, Geico costs young drivers $1,455 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Historic Midtown. With an average cost of $5,076 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Historic Midtown

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $94. State Farm, Progressive, and American Family Insurance provided the largest discounts to couples living in Historic Midtown.

State Farm gave the largest car insurance discounts to married couples, averaging $371 saved each year compared to an average Historic Midtown couple's premiums.

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The cheapest car insurance in Historic Midtown for drivers with bad credit

People with poor credit saved an average of $810 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,062 every year. Premiums for people with poor credit were about $2,751 in Historic Midtown. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Dairyland.

The best Historic Midtown car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Historic Midtown, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Historic Midtown.

Nationwide was the best company for customer service in Historic Midtown according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Historic Midtown, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Historic Midtown. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Historic Midtown

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 69% of Historic Midtown residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Historic Midtown driver can expect to pay about $100 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Historic Midtown, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, drivers with a DUI conviction, and married couples.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Historic Midtown

What Influences the Cost of Car Insurance in Historic Midtown?

On average, car insurance in Historic Midtown is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Historic Midtown is 21 minutes, which is a little less than average for a driver in the city.
  • Kansas state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Historic Midtown are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Historic Midtown has an average population density in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Historic Midtown is $76 per month for minimum coverage and $141 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Historic Midtown driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Historic Midtown with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.