In Topeka, GEICO offers the lowest annual rate for minimum coverage at $328, while Travelers provides the cheapest full coverage at $887 per year. Auto-Owners, Shelter and State Farm also offer competitive rates in the Sunflower State.
Car Insurance in Topeka
Updated: August 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Topeka's cheapest car insurance companies are GEICO, Auto-Owners and Travelers, with rates up to 40% lower than the city average.
Monthly car insurance costs in Topeka average $116 for full coverage and $45 for minimum coverage.
To find the best cheap auto insurance in Topeka, compare quotes from multiple sources and choose coverage that fits your specific needs.
Who Has the Cheapest Car Insurance in Topeka?
| GEICO | $27 | $75 | -40% |
| Auto-Owners | $29 | $76 | -37% |
| Travelers | $33 | $74 | -37% |
| Shelter | $43 | $95 | -18% |
| State Farm | $37 | $115 | -10% |
Cheapest Topeka Car Insurance by Category
Travelers offers the cheapest rates in five driver categories in Topeka. GEICO wins for adult drivers and those with speeding tickets, while Auto-Owners leads for old cars and Shelter for drivers with bad credit.
| Young Drivers | Travelers | $64 |
| Adult Drivers | GEICO | $27 |
| Senior Drivers | Travelers | $45 |
| Drivers With an Accident | Travelers | $43 |
| Drivers With a DUI | Travelers | $45 |
| Drivers With a Speeding Ticket | GEICO | $33 |
| Drivers With Bad Credit | Shelter | $88 |
| Drivers With Newer Cars | Travelers | $33 |
| Drivers With Old Cars | Auto-Owners | $19 |
Compare the Cheapest Topeka Car Insurance for You
Your driving history and personal details play a major role in what you'll pay for car insurance. Check the table below to find rates from companies that offer the best deals for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Geico | $27 | $328 | -43% |
| Auto Owners | $29 | $353 | -38% |
| Travelers | $33 | $397 | -31% |
| State Farm | $37 | $447 | -22% |
| Farm Bureau | $43 | $512 | -11% |
Best Car Insurance Companies in Topeka
The top car insurance companies in Topeka are Auto-Owners, Travelers, GEICO and Shelter. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Auto-Owners | 96 | 2 | 1 | 6 |
| Travelers | 95 | 3 | 2 | 5 |
| GEICO | 89 | 1 | 6 | 7 |
| Shelter | 85 | 4 | 9 | 3 |
| Progressive | 84 | 7 | 3 | 2 |
Auto-Owners: Best Customer Service
pros
Top-rated customer service
Fast claims processing
Local agent support
cons
Limited coverage add-ons
Fewer digital tools
COMPANY HIGHLIGHTS
Auto-Owners ranks first in Topeka thanks to outstanding customer service ratings and competitive rates. The company offers rates below the city average and provides excellent support through local agents. While coverage options are more basic than some competitors, Auto-Owners excels at handling claims quickly and efficiently. The company is particularly affordable for drivers with older cars.
Travelers: Best for High-Risk Drivers
pros
Many coverage options
Strong claims satisfaction
Multiple driver discounts
cons
Average digital experience
Higher rates for some drivers
COMPANY HIGHLIGHTS
Travelers stands out as the second-best option in Topeka with strong customer service ratings and comprehensive coverage choices. The company offers competitive rates below the city average and specializes in coverage for various driver types. Travelers is the most affordable option for young drivers, seniors, and those with driving incidents like DUIs or accidents. Their extensive coverage options let you customize your policy to your exact needs.
How Much Is Car Insurance in Topeka?
In Topeka, minimum coverage costs about $45 per month or $542 per year, ranking 498th out of all Kansas cities for affordability. Full coverage averages $116 monthly or $1,386 annually, ranking 585th among Kansas cities.
| Full Coverage | $116 | $1,386 |
| Minimum Coverage | $45 | $542 |
Topeka Car Insurance Cost by Category
In Topeka, monthly coverage costs vary from $39 to $305 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $114 | $272 |
| Adult Drivers | $45 | $116 |
| Senior Drivers | $62 | $140 |
| Drivers With an Accident | $68 | $168 |
| Drivers With a DUI | $74 | $188 |
| Drivers With a Speeding Ticket | $57 | $144 |
| Drivers With Bad Credit | $133 | $305 |
| Drivers With Newer Cars | $54 | $139 |
| Drivers With Old Cars | $39 | $99 |
Topeka Car Insurance Costs by ZIP Code
In Topeka, car insurance rates by ZIP code range from $43 to $130 per month. ZIP code 66616 is the most expensive, while 66610 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:66603
| 66603 | $45 | $115 |
Compare Personalized Topeka Car Insurance Costs
While average rates by ZIP code and coverage type are helpful, use the table below to filter Topeka car insurance costs based on your specific age, driving record and other key factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $46 | $551 | 2% |
How to Get the Best Cheap Topeka Car Insurance
Finding affordable car insurance in Topeka can feel overwhelming due to the area's high average rates and complex coverage options. Our research team analyzed local insurers to create this step-by-step guide that will help you secure better rates while maintaining the right coverage for your needs.
- 1
Calculate your coverage needs
Start by determining exactly how much coverage you need for your vehicle in Topeka. Consider your car's value, your savings and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation based on your specific situation.
- 2
Explore different insurance types
Look into various types of car insurance that could save you money. If you drive less than average, consider pay-per-mile insurance. Don't own a car? Non-owner coverage might be your best option.
- 3
Know the average costs
Research average vehicle insurance costs in Topeka to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Compare rates across different companies and coverage levels to find the best value.
- 4
Check available discounts
Take advantage of every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver, good student, and military discounts can also significantly reduce your premiums.
- 5
Review company ratings and service
Research insurance companies' customer service ratings, claims satisfaction scores, and financial strength. Look for insurers with strong records in Kansas. Check local reviews to understand how well each company serves Topeka residents specifically.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct phone calls. Make sure each quote includes the same coverage levels and deductibles for accurate comparison.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance policy. Life changes like improved credit scores, different vehicles, or changes in your daily commute can affect your rates. Shopping around each year helps you find and maintain the best possible rates.
Cheapest Car Insurance in Topeka: Bottom Line
Car insurance rates in Topeka depend on your driving record, vehicle type and credit score. GEICO and Auto-Owners offer the lowest average premiums in the Sunflower State, but compare quotes from multiple providers to find your best rate.
Cheap Topeka Car Insurance: FAQ
Find clear answers about affordable car insurance in Topeka below. Our FAQ section helps you understand coverage options and save money while getting the protection you need.
What is the cheapest car insurance company in Topeka, Kansas?
GEICO offers the lowest minimum coverage at $328 in Topeka, while Travelers provides the cheapest full coverage at $887. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Topeka?
Auto-Owners leads Topeka's car insurance providers with a MoneyGeek score of 96 out of 100, scoring one point above Travelers. The company excels in both affordability and customer service.
What is the average cost of car insurance in Topeka?
In Topeka, drivers pay $1,386 for full coverage car insurance and $542 for minimum coverage annually. Actual rates vary based on individual driver factors.
Is car insurance in Topeka expensive?
Car insurance in Topeka is more expensive than average, ranking 498th for minimum coverage affordability and 585th for full coverage compared to other Kansas cities.
How We Chose the Best and Cheapest Car Insurance in Topeka, KS
To help Topeka drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Kansas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Kansas to tailor options as closely as possible to you.
Topeka Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Topeka
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Kansas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.