Cheap Auto Insurance Quotes in Topeka, KS (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Sunflower State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes

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.

$50
$61
$89
$111
$140
AllstateState FarmNationwideProgressiveTravelers

Cheapest Car Insurance in Topeka

Here are the cheapest carriers in Topeka for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

$123
$122
$142
$103
$120
$127
KansasWichitaKansas CityOlatheLawrenceTopeka

Click here to learn about car insurance quotes and save on your current policy.

Topeka, KS Driving Facts

kansas

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.

Insurify Insights: How Topeka Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Topeka, KS
suspended licenses
#4
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Topeka drivers measure up to their fellow Kansas motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Topeka

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 paid on average 41.22% more than drivers with a clean record

Speeding Topeka

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 paid on average 66.22% more than drivers with a clean record

DUI/DWIs Topeka

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 paid on average 43.92% more than drivers with a clean record

Most Popular Vehicle Topeka

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.

Rude Topeka

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 paid on average 48.65% more than drivers with a clean record.

Safest Drivers Topeka

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%

Failure to Yield the Right of Way Topeka

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 paid on average --% more than drivers with a clean record

Reckless Drivers Topeka

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%

Hybrid/Electric Vehicle Ownership Topeka

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 Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.