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Cheapest recent rates near Topeka, Kansas
Recent Topeka, Kansas car insurance prices for Mazda, Lexus, Ford , and more.
*Quotes generated for Insurify users in and around Topeka, Kansas within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Topeka, Kansas within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Living in the fifth-largest city in Kansas, Topeka drivers pay some of the cheapest insurance premiums in the country. Drivers pay $82 per month for liability car insurance, on average, which is lower than the national average of $105 per month and comparable to the Kansas state average of $80.
Drivers in Topeka may benefit from lower rates because suburban drivers often have a lower risk of accidents and property damage due to less congested roads and more room for parking.
The best way to find affordable rates is to compare quotes from multiple insurers. Here’s what you should know about finding car insurance in Topeka.
Quick Facts
Root, Dairyland, and CSAA offer some of the cheapest liability insurance in Topeka on average.
The average cost of full-coverage insurance in Topeka is $157 per month.
With an estimated 8% of uninsured drivers, Kansas has one of the lowest percentages of uninsured motorists in the U.S.[1]
3 of the cheapest car insurance companies in Topeka
The best car insurance company for you depends on many factors, including your age, driving history, budget, the type of coverage you want, and where you live. When shopping around for coverage, you should prioritize finding coverage that meets your insurance needs. You shouldn’t necessarily just select the cheapest car insurance option you find.
The following three insurers have high Insurify Quality (IQ) Scores, offer some of the cheapest rates in the state, and provide you more opportunities to save on coverage. Start your car insurance search with the companies below. The quotes shown below reflect state average costs.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$72/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$160/mo
4.5
Best choiceBased on 394 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (211)
Kelley
December 2, 2024
Verified Review
They raise rates every two months. They handled an incident where my wife got rear-ended and then raised the rate.
They raise rates every two months. They handled an incident where my wife got rear-ended and then raised the rate.
Jim
November 30, 2024
Verified Review
Highway Robbery
I had no claims, yet my premiums are skyrocketing. The app for auto monitoring seems to be negatively skewed for those of us who drive very little. The agents are unresponsive and add no value.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
American Family has some of the cheapest full-coverage insurance rates for Topeka drivers. It’s especially beneficial for teen drivers and their families, thanks to its good student, teen safe driver, and young volunteer discounts.
The company received an above-average ranking for customer satisfaction in the Central region in J.D. Power’s 2023 U.S. Auto Insurance Study.
Pros
Savings for teen drivers
Many discounts available
Cons
Below-average digital experience rating from J.D. Power
Lower financial strength rating from AM Best than some competitors
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$119/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
The largest auto insurance company in the country, State Farm is a great option for Topeka drivers. State Farm has affordable rates, but you can save even more as a safe driver by enrolling in the Drive Safe & Save Program.
The company earned an above-average ranking for customer satisfaction in the Central region in J.D. Power’s 2023 U.S. Auto Insurance Study.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$99/mo
4.9
Best choiceBased on 1,646 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (940)
Arlington
December 18, 2024
Verified Review
Mediocre
It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.
Peter
December 18, 2024
Verified Review
Not Happy with USAA
They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.
Donna
December 17, 2024
Verified Review
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA is a full-service financial institution that offers auto insurance, among other products, to current and former military service members and their families. The company provides affordable rates and ranks highly in customer satisfaction.
The company earned an A++ (Superior) financial strength rating from AM Best.
Pros
Affordable coverage for military families
Offers a wide range of financial services
Cons
Coverage is only for active and reserve military members, veterans, and their families
No 24/7 customer phone support
How to get the cheapest car insurance in Topeka
Car insurance rates in Topeka are lower than the national average, and you can save even more money on your premiums with these simple tips:
Get multiple quotes. Insurance rates typically vary across different companies. A company that’s cheapest for one driver may cost more for someone else. You can save money by comparing quotes from several companies to find the best deal.
Bundle your policies. Insurance companies often offer a discount to customers who bundle their car insurance policies with other types of insurance, including life, home, or renters insurance policies.
Choose a safe vehicle. Many insurance companies offer discounts for vehicles with safety equipment and technology, such as curtain airbags and lane-keeping assistance.
Save with discounts. Most auto insurance companies offer discounts to help customers save. Many offer discounts for safe driving, having certain vehicle safety features, paying your premium up front, and more.
Adjust your policy. Your coverage limits and deductibles help determine your insurance rates. Work with your agent to either decrease your coverage limits (as long as they still meet the state requirements) or increase your deductible, both of which can help reduce your premiums.
Find Cheap Car Insurance in Topeka
Liability insurance starts at $62 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Topeka: Root
Liability insurance pays for the other driver’s injuries and damages when you cause an accident. It doesn’t cover any of your medical bills or vehicle repairs.[2] For that, you’ll need to purchase more robust coverage. Liability-only car insurance is the cheapest type of insurance you can buy.
This limited coverage works best for drivers with particularly old or inexpensive vehicles. Most drivers should consider buying more coverage.
The average cost of liability insurance in Topeka is $82 per month. Here are the cheapest average quotes for liability coverage in Topeka.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Root
$62
Dairyland
$71
CSAA
$72
Safeco
$72
National General
$74
Direct Auto
$85
Bristol West
$88
Liberty Mutual
$93
The General
$97
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Topeka: Root
Full-coverage car insurance includes liability insurance, as well as additional coverages to protect your vehicle. It typically includes collision and comprehensive coverages, which pay for damage to your vehicle from an accident or non-collision incident, regardless of fault. It also pays for vehicle theft and vandalism.
You’ll have to pay more expensive premiums for full-coverage insurance, but it can also save you thousands (or tens of thousands) of dollars after an accident. If you can’t afford to replace your car in the event of total vehicle loss, you probably need to buy full coverage. And, if you lease or finance your vehicle, the leasing company or lender will require you to buy full coverage.
On average, Topeka drivers pay $157 per month for full-coverage insurance. Here are some of the cheapest full-coverage car insurance quotes in Topeka.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Root
$106
CSAA
$132
National General
$139
Safeco
$148
Direct Auto
$175
Dairyland
$190
Liberty Mutual
$204
The General
$211
Bristol West
$239
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Topeka, Kansas
Recent Topeka, Kansas car insurance prices for Hyundai, Mazda, KIA , and more.
*Quotes generated for Insurify users in and around Topeka, Kansas within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Topeka, Kansas within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Kansas
Kansas requires all drivers to have car insurance and is one of about a dozen states with a no-fault insurance law. Under no-fault insurance, each driver’s insurance pays for their own medical expenses after an accident, regardless of fault.[3] This differs from at-fault states, where the at-fault driver’s bodily injury liability insurance would pay for the other driver’s injuries.
In Kansas, you can’t make a claim against the at-fault driver’s liability insurance unless you have at least $2,000 of medical expenses or certain severe injuries.
The table below outlines Kansas’ minimum coverage requirements:
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$25,000 per person / $50,000 per accident
Property damage liability
$25,000 per accident
Personal injury protection (PIP)
$4,500 per person for medical expenses
$900 per month for disability/loss of income
$25 per day for in-home services
$2,000 for funeral, burial, or cremation costs
$4,500 for rehabilitation services
Uninsured/underinsured motorist
$25,000 per person / $50,000 per accident
In addition to the coverages required under Kansas law, you should consider several optional coverages that can protect you from major losses. Here are common insurance add-ons you can choose from:
Collision coverage
If you have an accident, collision coveragepays for damage to your vehicle. This coverage applies even if you caused the accident.
Comprehensive coverage
If a non-collision incident results in vehicle damage, like severe weather or vandalism, comprehensive insurance covers your vehicle repair or replacement costs.
Gap insurance
Gap insurance pays for the difference between your insurance payout and the amount you owe on your auto loan or lease in the event of total vehicle loss.
Rental car reimbursement
If your car is in the shop or undrivable after a covered incident, this coverage pays for part or all of your rental car expenses.
Roadside assistance
Specifics vary by insurer, but roadside assistance coverage typically provides towing, jump-starts, tire changes, and other services if your car breaks down.
Cheapest car insurance for drivers with an incident
Topeka drivers with an incident on their record pay $109 per month for liability car insurance and $209 for full-coverage insurance, on average. The amount your rate will increase depends on the type and severity of the violation and what else is on your record.
Find Car Insurance After an Accident
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Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Root
If you receive a speeding ticket in Topeka, your insurance premiums will likely increase. Generally speaking, your premium may increase based on how much you exceeded the speed limit, as well as whether you have other tickets on your record.
On average, drivers in Topeka with a speeding ticket pay $125 per month for liability insurance and $183 for full coverage. Here are some of the cheapest liability insurance options for drivers in this category.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
Root
$62
$91
Dairyland
$71
$97
CSAA
$72
$100
Safeco
$72
$99
National General
$74
$101
Direct Auto
$85
$116
Bristol West
$88
$121
Liberty Mutual
$93
$136
The General
$97
$135
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Root
Insurance premiums often increase significantly when you cause an accident. Rates can even sometimes increase after an accident you didn’t cause. Due to the state’s no-fault insurance law, you’ll need to file a claim with your insurance company for an accident caused by another driver.
The average cost of car insurance for a Topeka driver with an at-fault accident is $127 per month for liability insurance and $242 for full-coverage insurance. Here are some of the cheapest liability insurance options for drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
Root
$62
$93
Dairyland
$71
$99
CSAA
$72
$105
Safeco
$72
$101
National General
$74
$104
Direct Auto
$85
$122
Bristol West
$88
$124
Liberty Mutual
$93
$139
The General
$97
$139
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Root
The most serious driving violation you can commit is driving under the influence, which will increase your premiums significantly. After a DUI in Kansas, you could also face fines, imprisonment, community service mandates, and suspended or restricted driving privileges.[4]
In Topeka, drivers with a past DUI pay $143 per month for liability insurance and $274 for full-coverage car insurance. Below, you can find the cheapest liability insurance options for Topeka drivers with a DUI.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
Root
$62
$95
Dairyland
$71
$120
CSAA
$72
$110
Safeco
$72
$110
National General
$74
$126
Direct Auto
$85
$144
Bristol West
$88
$149
Liberty Mutual
$93
$158
The General
$97
$165
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Root
Auto insurers will consider your age when determining your insurance premiums. Drivers between 25 and 70 benefit from premiums that decrease with age and driving experience. But auto insurers may charge drivers older than 70 higher rates due to aging-related risk factors that can make driving more difficult and increase the risk of fatal accidents.[5]
Senior drivers in Topeka pay a monthly average of $59 per month for liability insurance and $114 for full-coverage car insurance. Find the cheapest options for senior drivers in the city.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Root
$49
$84
CSAA
$51
$94
Dairyland
$53
$142
National General
$53
$99
Safeco
$58
$119
Direct Auto
$62
$127
Bristol West
$66
$179
Liberty Mutual
$73
$160
The General
$73
$160
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Root
Teen drivers pay higher insurance premiums than any other age group. Because teens have limited experience driving and an increased likelihood of risky behavior, auto insurers view them as higher-risk drivers to insure.[6]
If you have a teen driver in your family, you can save money on their insurance premiums by adding them to your policy instead of having them sign up for their own policy. You can also save by taking advantage of discounts for good students, safe drivers, and young drivers who complete an approved driver safety course.
The average cost of car insurance for teen drivers in Topeka is $154 per month for liability and $296 for full coverage, on average. Here are some of the cheapest options for teens in the area.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Root
$98
$168
Dairyland
$121
$323
CSAA
$122
$224
Safeco
$144
$295
National General
$153
$287
Bristol West
$157
$425
The General
$163
$355
Direct Auto
$164
$337
Liberty Mutual
$168
$368
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Topeka, KS
Insurify partners with top insurers for accurate quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Topeka car insurance quotes by credit tier
Kansas permits the use of credit history in insurance rate-setting. Insurance companies see a correlation between credit history and insurance risk. Drivers with poor credit are typically more likely to file a claim.
As a result, your credit history may affect your insurance premium. Drivers with excellent or good credit qualify for better insurance rates. Meanwhile, if you have a poor credit, you’ll likely pay a higher premium.
Here are the average quotes for full-coverage insurance by credit tier in Topeka.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Topeka?
Location is a major factor that affects insurance rates, and Kansas drivers pay cheap insurance premiums compared to the national average of $105 for liability insurance and $202 for full coverage. On average, Kansas drivers pay $80 per month for liability insurance and $167 for full coverage.
Within Kansas, insurance premiums can vary by city and ZIP code, but Topeka drivers pay similar rates to the state average, at $82 for liability insurance and $157 for full coverage. Drivers in Kansas City, for comparison, pay much more for coverage due to high motor vehicle theft rates.
More cities in Kansas
Topeka drivers pay lower average premiums than drivers in some other Kansas cities, like Overland Park, Kansas City, and Wichita. On average, car insurance in Topeka costs $82 per month for liability insurance and $82 for full coverage.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Topeka car insurance FAQs
Before you start shopping around for insurance, you need to decide how much coverage you need. The information below should help you navigate the process of finding cheap coverage in Topeka.
How much is car insurance in Topeka?
On average, Topeka drivers pay $82 per month for liability coverage and $157 for full-coverage insurance. Your premium depends on your driving record, credit history, age, and more.
What are the best car insurance companies in Topeka?
With high customer satisfaction ratings from J.D. Power and an Insurify Quality (IQ) Score of 9.3 out of 5, State Farm is the best car insurance company in Topeka. Other top insurers include American Family and USAA.
Who are the cheapest car insurance companies in Topeka?
With a liability insurance rate of $62 per month, Root is the cheapest car insurance company in Topeka. Dairyland and CSAA also have affordable liability coverage, with monthly rates of $71 and $72, respectively.
What is the minimum auto insurance in Kansas?
Kansas drivers must have the following amounts of car insurance coverage:
$25,000 per person and $50,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
$25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage
$4,500 per person for medical expenses
$900 per month for disability/loss of income
$25 per day for in-home services
$2,000 for funeral, burial, or cremation costs
$4,500 for rehabilitation services
What factors affect car insurance premiums in Topeka, Kansas?
Car insurance premiums can vary by ZIP code within Topeka due to factors like crime rates, accident rates, traffic congestion, and more. Your specific premium will depend on your driver profile, vehicle type, and chosen coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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