Compare the Cheapest Car Insurance Quotes in Topeka

The average cost of car insurance in Topeka is $832 per year, which is 10.6% lower than the state average. The cheapest provider of car insurance in Topeka is USAA, but it serves only those with a military background. The most affordable and widely available insurer is Nationwide, with an average annual premium of $618.

MoneyGeek assessed the cheapest options by various driving histories and coverage amounts to find a policy that fits your profile. For those who want good quality at an affordable cost, we recommend the best companies in Topeka.

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The Cheapest and Best Car Insurance in Topeka

The Cheapest Car Insurance Companies in Topeka

For 50/100/50 full coverage, the cheapest companies on average in Topeka are:

  • USAA: $611 per year (only serves former and current military members and their families)
  • Nationwide: $618 per year

The least expensive carrier, Nationwide, offers prices that are 66.5% less than the costliest provider, MetLife. You should ideally shop around and compare quotes to find the best car insurance in Topeka.

Please note that rates are for a 40-year-old male driver with a full coverage policy. This includes liability insurance, which shields you against the cost of damages to others, and comprehensive and collision insurance to cover injuries and damages to you and your car.

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Average Cost of Car Insurance in Topeka

Topeka$832
Kansas$931
U.S.$1,424

The average annual cost of car insurance in Topeka is $832. This rate is 10.6% less than the state average and 41.6% cheaper than the national average. It pays to look around and shop for car insurance with several different companies to find the best coverages and premiums.

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The Best Car Insurance Companies in Topeka

To help drivers find high-quality, cheap car insurance in Topeka, MoneyGeek ranked providers in the city based on user satisfaction, financial stability, claims processing efficiency and affordability.

As per MoneyGeek’s unique scoring system, the best car insurance firms in Topeka are:

  • Auto-Owners Insurance: MoneyGeek score of 97.5 out of 100
  • GEICO: MoneyGeek score of 92.5 out of 100

Note: USAA is actually the top provider in our ranking, but it serves only those with a military background.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:98

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:93

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

5
Travelers
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Progressive
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Auto Club of Southern California Insurance Group
Score:83

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
American Family
Score:78

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:78

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Liberty Mutual
Score:78

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Farm Bureau Ins of MI
Score:75

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

14
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Topeka

MoneyGeek recommends that drivers get personalized quotes because factors such as age, gender, marital status, driving history, coverage level and more impact car insurance rates. You should ideally compare car insurance quotes at regular intervals to see if you qualify for rebates, discounts and other savings as your situation changes.

Shopping around for car insurance in Topeka could save you $214, which is enough to buy:


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71Cups of Coffee
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16Months of Your Favorite Streaming Service

Cheapest Car Insurance in Topeka by Coverage Amount

Your car insurance rates in Topeka depend on the coverage amount you buy. A policy that only meets minimum state requirements costs $397 per year on average, while a full coverage policy with liability limits of 100/300/100 costs $832, a difference of $435.

Kansas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
  • Personal Injury Protection
    $4,500 per person for medical expenses. $900 a month for a up to a year of disability or loss of income coverage. $25 a day for in-home services. $4,500 for rehabilition-related expenses. $2,000 for funeral, burial or creamation expenses
  • Other
    Survivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services

Minimum coverage may be cheaper, but it offers less protection. Full coverage is more expensive but will safeguard both you and your vehicle in an at-fault accident. The coverage limit of 50/100/50 means the policy includes $50,000 for one person’s injuries, with $100,000 for all injuries and $50,000 for property damage. In the case of a liability-only policy, these limits will only apply to the other party if you’re at fault. In a full coverage package, these coverages will apply to you as well.

In Topeka, Nationwide’s 50/100/50 liability policy costs $320 per year on average, while its full coverage plan for the same limits costs $618, a difference of $298. Try to compare quotes from multiple providers to find the cheapest car insurance in Topeka.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Topeka if You Have Driving Violations

It pays to drive safely as a driving violation on your record can hike your car insurance costs. For instance, in Topeka, a Nationwide customer with no violations pays an average of $618 per year, but a driver with a speeding ticket pays around $750. An at-fault accident raises this rate to $1,050 on average, while insurance for a driver with a DUI costs around $1,324.

Average Cost of Car Insurance by Postal Code

Where you live in Topeka, Kansas, has a slight impact on your car insurance rates because factors such as the number of car-theft incidents, accidents and uninsured motorists in a neighborhood can increase auto insurance premiums. In Topeka, the difference between the cheapest and costliest ZIP codes is $11.

  • Zip Code
    State Minimumper year
  • 66614
    $827
  • 66604
    $838

Factors That Impact Insurance Costs in Topeka

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Topeka. How Topeka ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities83rd/300
handcuffs2 icon
Most Car Thefts261st/300
uninsured icon
Most Uninsured Motorists by State44th/50
insurance2 icon
Personal Injury Protection RequiredYes
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Most Annual Rainfall140th/300
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Most Rainy Days159th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Topeka are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.