Living in the fifth-largest city in Kansas, Topeka drivers pay some of the cheapest insurance premiums in the country. Drivers pay $121 per month for car insurance, on average, which is lower than the national average of $139 per month.

Drivers in Topeka likely benefit from lower rates due to the city’s suburban environment. Rural and suburban drivers can 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

Topeka drivers pay an average monthly premium of $75 for liability-only insurance and $166 for full-coverage insurance.
Kansas is a no-fault insurance state, which means drivers must purchase personal injury protection (PIP) coverage.^[1]
Auto insurers in Kansas can consider credit information when determining premiums.^[2]

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Best 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 policyholders more opportunities to save on coverage. Start your car insurance search with the companies below.

Best insurer for teen drivers: American Family

Teen driversAmerican Family

Compare personalized, real-time quotes

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.	4.2
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.	$76/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.	$172/mo

Overview

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 and cons

Pros

Savings for teen drivers
Many insurance discounts available

Cons

Below-average digital experience rating from J.D. Power
Lower financial strength rating from AM Best than some competitors

Reviews

They're OK but too expensive.

Sally - July 21, 2023

Verified

They are nice people to do business with, just kind of expensive

Pat - February 1, 2023

Verified

Too expensive with terrible customer service

Urga - January 21, 2023

Verified

Read our American Family review

Best insurer for safe drivers: State Farm

safe driversState Farm

Compare personalized, real-time quotes

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.	4.4
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.	$52/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.	$109/mo

Overview

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 and cons

Pros

Savings for safe drivers
Offers rideshare coverage

Cons

No gap insurance
Fewer discounts than some competitors

Reviews

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023

Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023

Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023

Verified

Read our State Farm review

Best insurer for military families: USAA

military familiesUSAA

Compare personalized, real-time quotes

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.	4.3
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.	$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.	$98/mo

Overview

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 and cons

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

Reviews

They are the best in customer service.

Brenda - September 13, 2023

Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023

Verified

Great operation since I was a Lt.

raymond - September 7, 2023

Verified

Read our USAA review

Cheapest liability-only car insurance in Topeka

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.^[3] 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.

Here are the cheapest average quotes for liability coverage in Topeka.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Safeco	57
State Auto	60
Dairyland	63
Midvale Home & Auto	65
Liberty Mutual	71
Bristol West	80
CSAA	90
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

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.

Here are some of the cheapest full-coverage car insurance quotes in Topeka.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Monthly Quote
Travelers	98
Midvale Home & Auto	117
Safeco	120
State Auto	162
CSAA	163
Dairyland	164
Liberty Mutual	170
Direct Auto	181
The General	196
Bristol West	210

Estimate your Topeka car insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 30%

I’m a homeowner

Save 8%

I’m married

Save 24%

I have multiple cars

Save 39%

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.^[4] 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 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 $163 per month for car 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

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.

Drivers in Topeka with a speeding ticket on their record pay $173 per month, on average. Here are some of the cheapest options for drivers in this category.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Midvale Home & Auto	158	88
Safeco	167	79
Liberty Mutual	207	86
CSAA	217	120
Dairyland	218	84
State Auto	234	87
Direct Auto	245	123
The General	260	129
Bristol West	274	104

Cheapest car insurance for drivers with an at-fault accident

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.

On average, Topeka drivers with an at-fault accident pay $185 per month for car insurance. Here are some of the cheapest options for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Midvale Home & Auto	174	97
Safeco	181	86
Liberty Mutual	215	90
Dairyland	230	88
CSAA	237	131
State Auto	247	91
Direct Auto	263	132
The General	279	138
Bristol West	287	109

Cheapest car insurance for drivers with a DUI

The most serious driving violation you can commit, driving under the influence will increase your premiums by a significant amount. After a DUI in Kansas, you could also face fines, imprisonment, community service mandates, and suspended or restricted driving privileges.^[5]

In Topeka, drivers with a past DUI pay $209 per month for car insurance, on average. Here are the cheapest options for coverage with a DUI.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Midvale Home & Auto	192	107
Safeco	197	94
CSAA	245	135
State Auto	266	98
Dairyland	269	103
Direct Auto	271	136
Liberty Mutual	279	116
The General	322	159
Bristol West	344	131

Cheapest car insurance for seniors

Auto insurers will consider your age when determining your insurance premiums. Drivers between 35 and 75 benefit from premiums that decrease with age and driving experience. But auto insurers may charge drivers older than 75 higher rates due to aging-related risk factors that can make driving more difficult and increase the risk of fatal accidents.^[6]

Senior drivers in Topeka pay a monthly average of $79 for car insurance. Here are the cheapest options for senior drivers in the city.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
CSAA	74	41
Safeco	75	35
Direct Auto	88	44
Liberty Mutual	91	38
Dairyland	92	35
Bristol West	113	43
The General	120	59

Cheapest car insurance for teens

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.^[7]

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.

Teen drivers in Topeka pay $217 per month for car insurance, on average. Here are some of the cheapest options for teens in the area.

The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
Midvale Home & Auto	198	110
Safeco	216	102
CSAA	267	148
Dairyland	267	103
State Auto	291	108
Liberty Mutual	300	125
The General	313	155
Direct Auto	326	164
Bristol West	349	133

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, KS

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4.8/5

Topeka car insurance quotes by credit tier

Insurance companies see a correlation between credit score 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 tend to 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 some of the cheapest insurance premiums in the country. Kansas drivers paid an average cost that was 28% lower than the national average cost of car insurance, according to 2020 data from the National Association of Insurance Commissioners.^[8]

Even within Kansas, insurance premiums can vary by city and ZIP code. Topeka drivers tend to pay some of the cheapest rates in Kansas. Due to the city’s suburban environment, Topeka drivers likely have a lower risk of car accidents and property damage than people in more densely packed urban areas.

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, full-coverage insurance in Topeka costs $166 per month. See how other cities compare below.

City	Average Quote: Full Coverage
Overland Park	$143
Kansas City	$213
Wichita	$194

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?
The overall cost of car insurance in Topeka is $121 per month. On average, drivers pay $75 per month for liability coverage and $166 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 4.4 out of 5, State Farm is the best car insurance company in Topeka. Other top insurers include American Family and USAA.
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.

More cities in Kansas

Popular cities

Sources

NOLO. "Kansas No-Fault Car Insurance." Accessed September 6, 2023
Kansas Legislature. "Article 51. Insurance Score Act." Accessed September 6, 2023
Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed September 6, 2023
Kansas Insurance Department. "What is Auto Insurance?." Accessed September 6, 2023
Kansas Department of Transportation. "Kansas DUI Laws." Accessed September 6, 2023
Insurance Institute for Highway Safety. "Older drivers." Accessed September 6, 2023
Centers for Disease Control and Preventio. "Teen Drivers and Passengers: Get the Facts." Accessed September 6, 2023
National Association of Insurance Commissioners. "2019/2020 Auto Insurance Database Report." Accessed September 6, 2023

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.

Learn More

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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Table of contents

Table of contentsCompare quotes

Find Car Insurance in Topeka, Kansas

Best car insurance companies in Topeka

Best insurer for teen drivers: American Family

Teen driversAmerican Family

Best insurer for safe drivers: State Farm

safe driversState Farm

Best insurer for military families: USAA

military familiesUSAA

Cheapest liability-only car insurance in Topeka

Cheapest full-coverage car insurance in Topeka

Estimate your Topeka car insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in Kansas

Collision coverage

Comprehensive coverage

Gap insurance

Rental car reimbursement

Roadside assistance

Cheapest car insurance for drivers with an incident

Find Car Insurance After an Accident

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Topeka

Find Cheap Car Insurance in Topeka, KS

Topeka car insurance quotes by credit tier

Rates by Credit Tier

Is car insurance more expensive in Topeka?

More cities in Kansas

Topeka car insurance FAQs

Methodology

Related articles

More cities in Kansas

Popular cities

Sources

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