Best Topeka, KS Car Insurance in 2024
Car insurance in Topeka, KS averages $278 a month. Topeka, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Topeka car insurance rates, compare quotes from the top car insurance companies in Topeka, KS.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Topeka, KS are $3,335/year
- Average car insurance rates in Topeka, KS after a DUI are $4,000/year
- The cheapest car insurance company in Topeka for teen drivers is American Family
If you need to buy Topeka, Kansas car insurance, the options can be confusing. Everything you need to know about car insurance in Topeka, KS is right here.
You’ll find Topeka car insurance rates, the cheapest Topeka, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Topeka, Kansas car insurance rates to Overland Park car insurance rates, Manhattan car insurance rates, and Topeka car insurance rates.
Ready to find affordable Topeka, KS car insurance today? Enter your ZIP code for fast, free Topeka car insurance quotes.
Cheapest Topeka, KS Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Topeka, KS car insurance rates? Every Topeka, Kansas car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,415 | $2,335 | $2,175 | $2,232 | $6,799 | $7,638 | $2,458 | $2,538 |
| American Family | $1,543 | $1,543 | $1,396 | $1,396 | $3,096 | $3,734 | $1,543 | $1,748 |
| Farmers | $2,565 | $2,540 | $2,286 | $2,394 | $7,272 | $7,525 | $2,899 | $3,043 |
| Geico | $2,412 | $2,356 | $2,439 | $2,270 | $4,671 | $6,351 | $2,885 | $2,038 |
| Liberty Mutual | $2,192 | $2,365 | $2,135 | $2,385 | $10,914 | $12,188 | $2,358 | $2,540 |
| Nationwide | $1,768 | $1,813 | $1,579 | $1,695 | $3,889 | $4,735 | $2,089 | $2,221 |
| Progressive | $2,475 | $2,339 | $2,001 | $2,089 | $9,547 | $10,759 | $2,934 | $3,157 |
| State Farm | $1,678 | $1,678 | $1,498 | $1,498 | $4,921 | $6,207 | $1,896 | $2,175 |
| Travelers | $2,003 | $2,035 | $1,975 | $1,993 | $8,347 | $13,038 | $2,057 | $2,395 |
| USAA | $1,336 | $1,347 | $1,237 | $1,231 | $4,865 | $5,054 | $1,778 | $1,832 |
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Minimum Car Insurance in Topeka, KS
Every driver must carry the minimum car insurance in Topeka, KS. Take a look at the Kansas car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Topeka, KS Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Topeka, KS. Compare credit history car insurance rates in Topeka from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,417 | $3,372 | $2,932 |
| American Family | $2,613 | $1,842 | $1,544 |
| Farmers | $4,477 | $3,587 | $3,382 |
| Geico | $4,939 | $2,611 | $1,983 |
| Liberty Mutual | $4,635 | $4,635 | $4,635 |
| Nationwide | $2,725 | $2,431 | $2,265 |
| Progressive | $5,028 | $4,260 | $3,950 |
| State Farm | $3,922 | $2,344 | $1,815 |
| Travelers | $4,874 | $3,986 | $3,831 |
| USAA | $3,166 | $2,102 | $1,737 |
Cheapest Topeka, KS Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Topeka, KS to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,067 | $3,578 | $4,188 | $3,463 |
| American Family | $1,962 | $2,112 | $1,962 | $1,962 |
| Farmers | $3,208 | $4,146 | $4,040 | $3,869 |
| Geico | $2,019 | $3,278 | $5,007 | $2,406 |
| Liberty Mutual | $3,458 | $5,282 | $5,181 | $4,617 |
| Nationwide | $1,880 | $2,152 | $3,725 | $2,137 |
| Progressive | $4,064 | $4,787 | $4,260 | $4,539 |
| State Farm | $2,469 | $2,919 | $2,694 | $2,694 |
| Travelers | $3,059 | $4,020 | $5,565 | $4,277 |
| USAA | $1,698 | $2,311 | $3,382 | $1,949 |
Cheapest Topeka, KS Car Insurance for Teen Drivers
Teen car insurance in Topeka, KS can be expensive. Take a look at rates from the top car insurance companies in Topeka for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,799 | $7,638 |
| American Family | $3,096 | $3,734 |
| Farmers | $7,272 | $7,525 |
| Geico | $4,671 | $6,351 |
| Liberty Mutual | $10,914 | $12,188 |
| Nationwide | $3,889 | $4,735 |
| Progressive | $9,547 | $10,759 |
| State Farm | $4,921 | $6,207 |
| Travelers | $8,347 | $13,038 |
| USAA | $4,865 | $5,054 |
Cheapest Topeka, KS Car Insurance for Seniors
Take a look at Topeka, KS senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,175 | $2,232 |
| American Family | $1,396 | $1,396 |
| Farmers | $2,286 | $2,394 |
| Geico | $2,439 | $2,270 |
| Liberty Mutual | $2,135 | $2,385 |
| Nationwide | $1,579 | $1,695 |
| Progressive | $2,001 | $2,089 |
| State Farm | $1,498 | $1,498 |
| Travelers | $1,975 | $1,993 |
| USAA | $1,237 | $1,231 |
Cheapest Topeka, KS Car Insurance Rates After a DUI
A DUI in Topeka, KS increases car insurance rates. Compare Topeka, Kansas DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,188 |
| American Family | $1,962 |
| Farmers | $4,040 |
| Geico | $5,007 |
| Liberty Mutual | $5,181 |
| Nationwide | $3,725 |
| Progressive | $4,260 |
| State Farm | $2,694 |
| Travelers | $5,565 |
| USAA | $3,382 |
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Cheapest Topeka, KS Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Topeka, KS by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,574 | $3,574 |
| American Family | $1,975 | $2,025 |
| Farmers | $3,815 | $3,815 |
| Geico | $3,112 | $3,243 |
| Liberty Mutual | $4,635 | $4,635 |
| Nationwide | $2,474 | $2,474 |
| Progressive | $4,413 | $4,413 |
| State Farm | $2,627 | $2,761 |
| Travelers | $4,230 | $4,230 |
| USAA | $2,269 | $2,400 |
Cheapest Topeka, KS Car Insurance Rates by ZIP Code
Topeka car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Topeka, KS.
| ZIP Code | Average Annual Rates |
|---|---|
| 66603 | $3,569 |
| 66604 | $3,552 |
| 66605 | $3,583 |
| 66606 | $3,559 |
| 66607 | $3,586 |
| 66608 | $3,563 |
| 66609 | $3,554 |
| 66610 | $3,496 |
| 66611 | $3,548 |
| 66612 | $3,550 |
| 66614 | $3,495 |
| 66615 | $3,480 |
| 66616 | $3,611 |
| 66617 | $3,553 |
| 66618 | $3,531 |
| 66619 | $3,543 |
| 66621 | $3,559 |
| 66683 | $3,693 |
The Best Cheap Car Insurance Companies in Topeka, KS
Take a look at a side-by-side comparison of the top car insurance companies in Topeka, KS to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,574 |
| American Family | $2,000 |
| Farmers | $3,815 |
| Geico | $3,178 |
| Liberty Mutual | $4,635 |
| Nationwide | $2,474 |
| Progressive | $4,413 |
| State Farm | $2,694 |
| Travelers | $4,230 |
| USAA | $2,335 |
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Category Winners: Cheapest Car Insurance in Topeka, Kansas
Find the cheapest car insurance companies in Topeka, KS for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | American Family |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | American Family |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
Cheapest Topeka, KS Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Topeka car insurance rates. Find the cheapest Topeka, KS car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,468 | $3,566 | $3,687 |
| American Family | $2,011 | $2,101 | $1,888 |
| Farmers | $3,654 | $3,794 | $3,999 |
| Geico | $3,081 | $3,174 | $3,278 |
| Liberty Mutual | $4,506 | $4,622 | $4,776 |
| Nationwide | $2,593 | $2,449 | $2,378 |
| Progressive | $4,159 | $4,376 | $4,703 |
| State Farm | $2,585 | $2,702 | $2,795 |
| Travelers | $4,000 | $4,238 | $4,454 |
| USAA | $2,242 | $2,328 | $2,435 |
What affects car insurance rates in Topeka, Kansas?
What factors can have an impact on Topeka, KS car insurance? There are several reasons why Topeka car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Topeka, Kansas.
Car Theft in Topeka
High levels of vehicle theft can make car insurance more expensive. Topeka, KS car theft statistics from the FBI indicate 736 vehicle thefts a year.
Commute Time in Topeka
The more time you spend in your car the higher the risk of an accident. The average commute length in Topeka, KS is 17.2 minutes according to City-Data.
Traffic in Topeka
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Topeka, KS traffic data from INRIX ranks Topeka as the 1005th-most congested in the world.
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Compare Car Insurance Quotes in Topeka, KS
Ready to find affordable Topeka, Kansas car insurance today? Enter your ZIP code for fast, free Topeka, KS car insurance quotes.
Frequently Asked Questions
How much is car insurance in Topeka, KS?
The average monthly car insurance rate is $278.
What are the car insurance requirements in Topeka, KS?
The minimum requirements are 25/50/25 coverage.
How can I find cheap car insurance in Topeka, KS?
Compare quotes from top car insurance companies.
How do factors like age, gender, and driving record affect rates?
Each company weighs these factors differently, so compare rates for your situation.
How does credit score affect car insurance rates in Topeka, KS?
Your credit score can impact rates. Compare rates for different credit levels.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.