Certificate of financial planning from Boston University
Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.
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.
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Cheapest recent rates near Topeka, Kansas
Drivers using Insurify have found quotes as cheap as $45/mo for liability only and $108/mo for full coverage in Topeka and other Kansas cities.
*Quotes generated for Insurify users in and around Topeka, Kansas within the last 10 days. Last updated on April 24, 2024
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 April 24, 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 April 24, 2024
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 April 24, 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 $77 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 $77.
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
Safeco, Midvale Home & Auto, and Dairyland offer some of the cheapest liability insurance in Topeka on average.
The average cost of full-coverage insurance in Topeka is $173 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-five 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
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.
$77/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.
$174/mo
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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$116/mo
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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$46/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.
$100/mo
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
Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.
Marvin - April 21, 2024
Verified
Excellent
So far, so good.
Robert - April 19, 2024
Verified
USAA is the finest. Period.
I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.
…
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.
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: Safeco
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 $77 per month. Here are the cheapest average quotes for liability coverage in Topeka.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Safeco
53
Midvale Home & Auto
64
Dairyland
65
Liberty Mutual
70
National General
79
Bristol West
84
CSAA
88
Direct Auto
91
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: Travelers
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.
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.
On average, Topeka drivers pay $173 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Travelers
99
Safeco
110
Midvale Home & Auto
115
State Auto
156
CSAA
164
Liberty Mutual
171
Dairyland
175
National General
179
Direct Auto
184
The General
207
Bristol West
232
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.
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 $104 per month for liability car insurance and $233 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: Safeco
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 $112 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Safeco
53
75
Dairyland
65
87
Liberty Mutual
70
98
National General
79
104
Bristol West
84
111
CSAA
88
119
Direct Auto
91
122
The General
97
131
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: Safeco
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 $119 per month for liability insurance and $267 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Safeco
53
80
Dairyland
65
92
Liberty Mutual
70
104
National General
79
112
Bristol West
84
117
CSAA
88
129
Direct Auto
91
130
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: Safeco
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 $134 per month for liability insurance and $302 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Safeco
53
87
Dairyland
65
107
Liberty Mutual
70
115
National General
79
130
Bristol West
84
138
CSAA
88
145
Direct Auto
91
150
The General
97
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 seniors: Safeco
Auto insurers will consider your age when determining your insurance premiums. Drivers between 35 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 $52 per month for liability insurance and $117 for full-coverage car insurance. Find the cheapest options for senior drivers in the city.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Safeco
41
85
Dairyland
48
129
Liberty Mutual
52
128
National General
58
132
Bristol West
61
169
CSAA
61
114
Direct Auto
64
129
The General
72
154
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: Safeco
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 take a driver safety course.
The average cost of car insurance for teen drivers in Topeka is $135 per month for liability and $302 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Safeco
94
195
Dairyland
105
282
Liberty Mutual
117
286
Bristol West
139
383
CSAA
147
274
National General
149
338
The General
154
329
Direct Auto
165
333
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
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Topeka car insurance quotes by credit tier
Insurance companies see a correlation between credit history and insurance risk. Drivers with lower credit scores are typically more likely to file a claim.
As a result, your credit score may affect your insurance premium. Drivers with excellent or good credit scores qualify for better insurance rates. Meanwhile, if you have a poor credit score, 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 $213 for full coverage. On average, Kansas drivers pay $77 per month for liability insurance and $182 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 $77 for liability insurance and $173 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 $77 per month for liability insurance and $77 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 $77 per month for liability coverage and $173 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 4.5 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, Safeco is the cheapest car insurance company in Topeka. Midvale Home & Auto and Dairyland also have affordable liability coverage, with monthly rates of $64 and $65, 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.
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