Cheapest Auto Insurance in Topeka, Kansas (2025)
CSAA has the cheapest liability insurance in Topeka, at $53 per month.
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Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
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Table of contents
Living in the fifth-largest city in Kansas, Topeka drivers pay some of the cheapest insurance premiums in the country. Drivers pay $80 per month for liability car insurance, on average, which is lower than the national average of $104 per month and comparable to the Kansas state average of $78.
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
CSAA, Root, and State Farm offer some of the cheapest liability insurance in Topeka on average.
The average cost of full-coverage insurance in Topeka is $145 per month.
With an estimated 8% of uninsured drivers, Kansas has one of the lowest percentages of uninsured motorists in the U.S.[1]
6 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 six 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.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $93/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $91/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $119/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $208/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $143/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $165/mo* |
Overall rating 3.2 | Overall rating 4.5 | Overall rating 4.4 | Overall rating 3.9 | Overall rating 3.4 | Overall rating 3.5 |
Value for money 2.7/5 | Value for money 4.5/5 | Value for money 3.9/5 | Value for money 3.2/5 | Value for money 3.2/5 | Value for money 3.3/5 |
Customer service 3.0/5 | Customer service 4.4/5 | Customer service 4.0/5 | Customer service 3.8/5 | Customer service 3.1/5 | Customer service 3.4/5 |
Claims handling 3.1/5 | Claims handling 4.5/5 | Claims handling 4.0/5 | Claims handling 3.7/5 | Claims handling 3.3/5 | Claims handling 3.6/5 |
Special highlight Usage-based insuranceAI-generated from 446 user reviews | Special highlight AAA membersAI-generated from 459 user reviews | Special highlight Cash back for being claims freeAI-generated from 496 user reviews | Special highlight Senior driversAI-generated from 822 user reviews | Special highlight High-risk driversAI-generated from 477 user reviews | Special highlight Numerous discountsAI-generated from 1746 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for teen drivers: American Family
| User Reviews | 4.5 |
|---|---|
| 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. | 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. | $80/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. | $106/mo |
4.5
Best choiceBased on 483 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
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 fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (242)
Nella
Verified Review
Insurance Shopping
Reviewed in Georgia on August 2025
Very nice, but the auto insurance was double what I’m paying now.
George
Verified Review
American Family Horrible
Reviewed in Washington on August 2025
Horrible. 300% premium increase in 6 years. 60% last year. No claims with 10-year-old cars and no moving violations.
Dwayne
Verified Review
Paying too much for safe driving
Reviewed in Nevada on August 2025
I pay too much for my age and safe driving habits for the past 10 years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.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).
AWhy 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
Best insurer for safe drivers: State Farm
| User Reviews | 4.1 |
|---|---|
| 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. | 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. | $67/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. | $91/mo |
4.1
Best choiceBased on 11,464 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
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
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,107)
Edward
Verified Review
Good insurance, just not great.
Reviewed in Virginia on August 2025
Very responsive with claims, but costly premium increases.
Daniel
Verified Review
My experience with State Farm has been generally good
Reviewed in New Mexico on August 2025
I've never had any real problems with State Farm. When I'm trying to reduce my insurance costs, I shop around.
Lori
Verified Review
Excellent
Reviewed in California on August 2025
Expensive but good if you need it.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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.
Pros
Savings for safe drivers
Offers rideshare coverage
Cons
No gap insurance
Fewer discounts than some competitors
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 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. | $74/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 2,148 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
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
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,213)
John
Verified Review
Not recommended for vehicle insurance
Reviewed in New Jersey on August 2025
Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.
Mike
Verified Review
Excellent
Reviewed in Massachusetts on August 2025
Exceptional. It would take major savings to get me to switch.
David
Verified Review
Best insurance company, hands down!
Reviewed in Connecticut on August 2025
Absolutely wonderful! 60 years of great reliability.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 $53 per month
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Cheapest liability-only car insurance in Topeka: CSAA
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 $80 per month. Here are the cheapest average quotes for liability coverage in Topeka.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company  | Average Monthly Quote |
|---|---|
| CSAA | $53 |
| Root | $63 |
| State Farm | $67 |
| Progressive | $72 |
| Safeco | $72 |
| USAA | $74 |
| Bristol West | $77 |
| National General | $78 |
| Dairyland | $79 |
| American Family | $80 |
| Auto-Owners | $88 |
| The General | $91 |
| Direct Auto | $100 |
| GEICO | $103 |
| Liberty Mutual | $114 |
| Travelers | $116 |
| Allstate | $125 |
| Farmers | $152 |
| Nationwide | $155 |
| Shelter | $185 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: State Farm
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 $145 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $91 |
| USAA | $99 |
| American Family | $106 |
| Root | $117 |
| Auto-Owners | $117 |
| CSAA | $124 |
| Progressive | $131 |
| National General | $136 |
| GEICO | $138 |
| Travelers | $156 |
| Safeco | $160 |
| Allstate | $168 |
| Direct Auto | $171 |
| The General | $187 |
| Bristol West | $195 |
| Farmers | $204 |
| Nationwide | $207 |
| Liberty Mutual | $207 |
| Dairyland | $232 |
| Shelter | $248 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 Volkswagen, Dodge, Ford , and more.
*Quotes generated for Insurify users in and around Topeka, Kansas within the last 10 days. Last updated on August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 August 21, 2025. 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 August 21, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 August 21, 2025. 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) |
|
| 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 coverage pays 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
If you have any sort of incident on your driving record, you’ll likely pay more for car insurance. Incidents that can increase your auto rates include speeding tickets, at-fault accidents, and driving under the influence (DUI) charges.
Topeka drivers with an incident on their record pay $93 per month for liability car insurance and $169 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.
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Cheapest car insurance for drivers with a speeding ticket: CSAA
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 $96 per month for liability insurance and $136 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| CSAA | $53 | $65 |
| Root | $63 | $80 |
| State Farm | $67 | $81 |
| Progressive | $72 | $87 |
| Safeco | $72 | $90 |
| USAA | $74 | $91 |
| Bristol West | $77 | $95 |
| National General | $78 | $95 |
| Dairyland | $79 | $97 |
| American Family | $80 | $99 |
| Auto-Owners | $88 | $108 |
| The General | $91 | $119 |
| Direct Auto | $100 | $123 |
| GEICO | $103 | $129 |
| Liberty Mutual | $114 | $140 |
| Travelers | $116 | $143 |
| Allstate | $125 | $153 |
| Farmers | $152 | $187 |
| Nationwide | $155 | $191 |
| Shelter | $185 | $234 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: CSAA
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 $101 per month for liability insurance and $184 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| CSAA | $53 | $71 |
| Root | $63 | $79 |
| State Farm | $67 | $85 |
| Progressive | $72 | $91 |
| Safeco | $72 | $97 |
| USAA | $74 | $95 |
| Bristol West | $77 | $99 |
| National General | $78 | $100 |
| Dairyland | $79 | $102 |
| American Family | $80 | $103 |
| Auto-Owners | $88 | $111 |
| The General | $91 | $122 |
| Direct Auto | $100 | $133 |
| GEICO | $103 | $125 |
| Liberty Mutual | $114 | $146 |
| Travelers | $116 | $149 |
| Allstate | $125 | $159 |
| Farmers | $152 | $195 |
| Nationwide | $155 | $199 |
| Shelter | $185 | $233 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: CSAA
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 $129 per month for liability insurance and $233 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| CSAA | $53 | $82 |
| Root | $63 | $97 |
| State Farm | $67 | $103 |
| Progressive | $72 | $116 |
| Safeco | $72 | $121 |
| USAA | $74 | $114 |
| Bristol West | $77 | $119 |
| National General | $78 | $120 |
| Dairyland | $79 | $122 |
| American Family | $80 | $123 |
| Auto-Owners | $88 | $136 |
| The General | $91 | $140 |
| Direct Auto | $100 | $154 |
| GEICO | $103 | $159 |
| Liberty Mutual | $114 | $176 |
| Travelers | $116 | $179 |
| Allstate | $125 | $193 |
| Farmers | $152 | $234 |
| Nationwide | $155 | $239 |
| Shelter | $185 | $285 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: CSAA
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 $68 per month for liability insurance and $124 for full-coverage car insurance. Find the cheapest options for senior drivers in the city.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| CSAA | $41 | $96 |
| State Farm | $53 | $72 |
| Root | $54 | $99 |
| USAA | $60 | $81 |
| Progressive | $61 | $112 |
| National General | $61 | $107 |
| Safeco | $63 | $140 |
| Bristol West | $63 | $161 |
| American Family | $64 | $85 |
| Dairyland | $65 | $191 |
| Auto-Owners | $71 | $94 |
| The General | $75 | $154 |
| Direct Auto | $80 | $137 |
| GEICO | $83 | $111 |
| Travelers | $93 | $125 |
| Liberty Mutual | $95 | $173 |
| Allstate | $103 | $138 |
| Nationwide | $119 | $159 |
| Farmers | $121 | $162 |
| Shelter | $134 | $179 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: CSAA
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 $163 per month for liability and $295 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: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| CSAA | $95 | $222 |
| Root | $116 | $215 |
| State Farm | $134 | $182 |
| Dairyland | $139 | $409 |
| USAA | $143 | $191 |
| Bristol West | $145 | $368 |
| Progressive | $146 | $266 |
| Safeco | $151 | $335 |
| American Family | $157 | $208 |
| The General | $166 | $341 |
| National General | $167 | $291 |
| Auto-Owners | $173 | $230 |
| GEICO | $194 | $259 |
| Direct Auto | $207 | $353 |
| Liberty Mutual | $212 | $385 |
| Travelers | $243 | $327 |
| Allstate | $258 | $346 |
| Farmers | $306 | $411 |
| Nationwide | $316 | $422 |
| Shelter | $386 | $518 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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 $104 for liability insurance and $184 for full coverage. On average, Kansas drivers pay $78 per month for liability insurance and $149 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 $80 for liability insurance and $145 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 $80 per month for liability insurance and $80 for full coverage.
See how other cities compare below.
City | Full Coverage | Liability Only |
|---|---|---|
| Garden City | $176 | $170 |
| Kansas City | $170 | $93 |
| Lawrence | $144 | $77 |
| Manhattan | $139 | $74 |
| Wichita | $172 | $93 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $80 per month for liability coverage and $145 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 $53 per month, CSAA is the cheapest car insurance company in Topeka. Root and State Farm also have affordable liability coverage, with monthly rates of $63 and $67, 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 500+ 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
- 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.
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Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Insurance Information Institute. "https://www.iii.org/article/auto-insurance-basics-understanding-your-coverage#."
- Kansas Insurance Department. "Auto Insurance."
- Kansas Department of Transportation. "Kansas DUI Laws."
- Insurance Institute for Highway Safety. "Older drivers."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
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Erin Gobler
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.
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