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Cheap Auto Insurance Quotes in Topeka, KS (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Quick Facts

  • The average cost of car insurance in Topeka is $173 per month, or $2076 annually.
  • Car insurance in Topeka is $10 more than the average cost of car insurance in Kansas.
  • The cheapest car insurance provider in Topeka on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Car Insurance in Topeka, KS

The average cost of Kansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Topeka, KS to find you the cheapest quotes in the area.

Quotes by Top Companies

Allstate
$50
State Farm
$61
Nationwide
$89
Progressive
$111
Travelers
$140

Cheapest Car Insurance in Topeka, KS

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in TopekaQuotes
Allstate$50 /mo
State Farm$61 /mo
Nationwide$89 /mo
Progressive$111 /mo
Travelers$140 /mo

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Average Car Insurance Cost

Kansas Cities
Wichita$122/mo
Kansas City$142/mo
Olathe$103/mo
Lawrence$120/mo
Topeka$127/mo
Kansas$123/mo
Olathe
$103
Lawrence
$120
Wichita
$122
Average for KS
$123
Topeka
$127
Kansas City
$142
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in KS

Each state has at least a few differences in how it manages and enforces car insurance laws, so it’s important to understand the quirks and nuances of your state like this one: Is car insurance required in Kansas? Well, yes and no.

It may seem rare, but several states, including Kansas, offer alternatives to carrying insurance. This alternative is called Financial Responsibility in Kansas. Essentially, instead of going through an insurance company to cover damages drivers cause, drivers pay for damages out of their own pockets. Before they can legally drive without a policy, they must file proof of financial responsibility with the state.

For some drivers, this may seem like a great option. But for most everyone, driving without insurance is like walking a tightrope with no safety net—over the Grand Canyon in a windstorm. 

If you (hopefully) decide to purchase coverage, then you’ll need to purchase at least the required minimum coverage. These are:

  • $25,000/$50,000 bodily injury liability per person/accident
  • $25,000 property damage liability
  • $25,000/$50,000 uninsured and underinsured motorist protection 
  • $4,500 personal injury protection coverage per person

These are called minimum requirements for a reason. Drivers can certainly purchase higher liability coverage limits for themselves and their families, and many drivers should. Once the limits are reached in the event of an accident, the driver at fault will be required to cover damages.

For drivers who often cart around several passengers at a time, it’s easy to see how quickly minimums will be exceeded. The same logic also applies to underinsured/uninsured motorist coverage limits.

FAQs - Topeka, KS Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Topeka Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Topeka, Kansas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Topeka drivers measure up to their fellow motorists across Kansas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Topeka

#13

City with the Most Speeding Tickets Rank in Kansas

#13

City with the Most Moving Violations Rank in Kansas

#9

City with the Most DUIs Rank in Kansas

#3

City with the Most Suspended Licenses in Kansas

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Topeka drivers rank 10 in the number of car accidents per driver across all cities in Kansas.

    • Rank within state: #10
    • Percent of drivers in Topeka with an accident: 8.95%
    • Drivers in Topeka, KS with an accident in their driving history pay on average 41.22% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kansas, Topeka drivers rank 13 in the number of speeding infractions per driver.

    • Rank within state: #13
    • Percent of drivers in Topeka with a speeding ticket: 10.31%
    • Drivers in Topeka, KS with a speeding ticket in their driving history pay on average 66.22% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Topeka drivers rank 9 in the number of DUI’s per driver across all cities in Kansas.

    • Rank within state: #9
    • Percent of drivers in Topeka with a DUI: 1.74%
    • Drivers in Topeka, KS with a DUI in their driving history pay on average 43.92% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Topeka is the Ford F-Series Pickup.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Kansas, Topeka drivers rank 5 in rude driving infractions.

    • Rank within state: #5
    • Percent of drivers in Topeka with a reckless driving violation: 2.27%
    • Drivers in Topeka, KS with a reckless driving violation in their driving history pay on average 48.65% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Topeka drivers rank 1 in clean driving records across all cities in Kansas.

    • Rank within state: #1
    • Percent of drivers in Topeka with clean record: 82.03%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Topeka drivers rank 6 in failure to yield violations per driver across all cities in Kansas.

    • Rank within state: #6
    • Percent of drivers in Topeka with a failure to yield violation: 0.45%
    • Drivers in Topeka, KS with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Kansas, Topeka drivers rank 3 in the number of reckless driving offenses per driver.

    • Rank within state: #3
    • Percent of drivers in Topeka with a reckless driving offense: 0.08%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Topeka drivers rank 10 in hybrid and electric vehicle ownership across all cities in Kansas.

    • Rank within state: #10
    • Percent of drivers in Topeka with a hybrid/electric vehicle: 0.41%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

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