Cheapest Car Insurance in Topeka, KS (2026)

Topeka drivers pay an average of $540 per year for minimum coverage and $1,392 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: GEICO has Topeka's cheapest minimum coverage at $328 per year ($27 monthly). That's 39% lower than the city average of $540, saving you $212 annually. Auto-Owners ranks second for minimum coverage at $353 per year ($29 monthly), a 34% savings compared to the city average.
• Cheapest full coverage: Travelers offers the lowest full coverage at $887 per year ($74 monthly), 36% below the city average of $1,392. That's $505 in annual savings. GEICO's full coverage costs $894 per year ($75 monthly), still 35% below the city average but $7 more than Travelers annually.

Car insurance costs vary dramatically by age in Kansas's capital city. Young drivers experience the highest rates, while adults enjoy more affordable coverage. Here are the most affordable car insurance companies in Topeka by age group:

• Adults: GEICO and Auto-Owners lead with the lowest monthly rates
• Seniors: GEICO and Travelers offer the most competitive pricing
• Young drivers: Travelers and Auto-Owners provide the best value

Young drivers can decrease their premiums with GEICO's Good Student Discount and through its Driver's Education Discount for course completion. Meanwhile, seniors choosing Travelers benefit from the IntelliDrive Program.

Different insurers penalize violations differently, so comparing options in Topeka helps you find the best option for you. These are the most affordable car insurance choices in Topeka based on violation type:

• Accident: Travelers at $42 and State Farm at $43 monthly
• Ticket: GEICO at $33 and Travelers at $39 monthly
• DUI: State Farm at $40 and Travelers at $44 monthly

Minor violations stay on your record for three years in Kansas, and rates drop once they expire.

Car insurance costs fluctuate across Topeka neighborhoods based on your ZIP code. The priciest area is 66616 at $130 monthly for full coverage, while residents in 66618 pay the least at $109 monthly

Auto-Owners scored 96 out of 100 on MoneyGeek's rating scale, making it the best car insurance company in Topeka. Travelers follows closely with a strong 94 out of 100 score, creating two excellent options for Kansas residents.

Auto-Owners ranks first for customer service and claims satisfaction. We evaluated factors like agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders.

Travelers leads in customer experience while maintaining competitive affordability across the state. Both insurers maintain strong financial stability ratings and offer comprehensive coverage options for drivers.

See below for why each insurer is best and which fits your needs.

Topeka drivers experience some of Kansas's highest car insurance premiums. Shop around, reduce your costs and select the right coverage for your needs:

Our insurance experts provide answers to common questions about finding affordable coverage in Kansas:

We analyzed hundreds of thousands of quotes from major insurers using data from the Kansas Department of Insurance and Quadrant Information Services. Our research covered all Topeka ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Kansas's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hailstorm damage claims or handling hit-and-run accidents.

Coverage options (10%): More choices mean better odds of matching coverage to Topeka risks like severe weather damage, uninsured motorists and theft in high-risk areas.