Cheapest and Best Car Insurance in Topeka, KS (July 2024)


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Updated: July 11, 2024

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In Topeka, Kansas, Auto-Owners offers the most affordable minimum car insurance policy. It also provides the best customer service and overall value. American Family is the cheapest for full coverage, and Nationwide is the most cost-effective option for families with teens. The ideal choice depends on your coverage needs and preferences.

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2024

Cheapest and Best Car Insurance in Topeka

Why Trust MoneyGeek? We analyzed 49,812 quotes in Kansas from 14 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Topeka insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Topeka, KS, as of July 2024.

49,812Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Coverage Car Insurance in Topeka

Auto-Owners is Topeka's leading provider of the cheapest car insurance.

  • Auto-Owners: $380 per year
  • Travelers: $423 per year

Dairyland has the most expensive minimum coverage policy in Topeka, charging $1,373 per year. The $993 difference between the most affordable and costly options highlights why car owners in Topeka should compare rates. Careful comparisons can potentially save hundreds of dollars in car insurance premiums per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Auto-Owners Insurance CoAnnual Premium$380Monthly Premium$32
TravelersAnnual Premium$423Monthly Premium$35
Iowa Farm BureauAnnual Premium$455Monthly Premium$38
Farmers Union InsuranceAnnual Premium$484Monthly Premium$40
State FarmAnnual Premium$489Monthly Premium$41
American FamilyAnnual Premium$496Monthly Premium$41
ShelterAnnual Premium$509Monthly Premium$42
ProgressiveAnnual Premium$510Monthly Premium$43

State Minimum Liability Requirements

In Kansas, all motorists must adhere to state-mandated car insurance minimums. These are the required coverage details:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage liability per accident
  • $25,000 uninsured motorist bodily injury per person
  • $50,000 uninsured motorist bodily injury per accident
  • $4,500 personal injury protection (PIP) per person
  • Survivors’ benefits, including up to $900 per month for disability/loss of income for a maximum of 1 year

For bodily injury liability, if you're at fault in an accident, your insurance will cover up to $25,000 for one person's injuries. The policy will cover up to $50,000 if multiple people are injured, but no individual claim can exceed $25,000. Should the costs surpass these amounts, you would be responsible for paying the difference out of pocket.

Cheapest Full Coverage Car Insurance in Topeka

MoneyGeek found that American Family offers the cheapest full coverage car insurance in Topeka.

  • American Family: $868 per year
  • Auto-Owners: $952 per year

Dairyland has the most expensive full coverage policy in Topeka, with an average annual rate of $3,048. The $2,180 difference between the cheapest and most costly options highlights the importance of comparing rates for full coverage policies. These typically cost more due to their comprehensive protection against a wide range of incidents.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$868Monthly Premium$72
Auto-Owners Insurance CoAnnual Premium$952Monthly Premium$79
TravelersAnnual Premium$974Monthly Premium$81
ShelterAnnual Premium$1,064Monthly Premium$89
NationwideAnnual Premium$1,109Monthly Premium$92
GEICOAnnual Premium$1,174Monthly Premium$98
FarmersAnnual Premium$1,205Monthly Premium$100
State FarmAnnual Premium$1,284Monthly Premium$107

Do You Need Full Coverage in Kansas?

Full coverage policies increase your liability limits. They also include both comprehensive and collision insurance.

  • Collision Insurance: This coverage is essential in securing funds for repairs or replacement of your car if it collides with another vehicle or object, such as a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This insurance covers your vehicle against non-collision-related incidents, such as theft, vandalism, fires, natural disasters or being struck by an animal like a deer.

For those with a new automobile, securing full coverage insurance is a wise financial decision to protect against potential losses. On the other hand, owners of older vehicles may find that the benefit of this additional insurance may not justify the increased expense. When choosing the right level of car insurance, weigh the potential cost against the protection it offers. Comprehensive policies come with higher premiums, but minimal coverage can result in insufficient protection.

Cheapest Car Insurance in Topeka After a Driving Offense

MoneyGeek found that American Family is the cheapest company for drivers with a poor driving record in Topeka.

  • Speeding Ticket: American Family ($1,035 per year)
  • At-Fault Accident: American Family ($868 per year)
  • DUI: American Family ($1,035 per year)

Dairyland has the most expensive rates for drivers with a speeding ticket and an at-fault accident, at $3,810 and $4,279 per year, respectively. GEICO has the least affordable policy for those with a DUI, costing $3,826 per year. Certain offenses can significantly affect car insurance costs, but you can still find affordable options, depending on the provider.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
American FamilyAnnual Premium$1,035Monthly Premium$86
TravelersAnnual Premium$1,311Monthly Premium$109
NationwideAnnual Premium$1,315Monthly Premium$110
ShelterAnnual Premium$1,371Monthly Premium$114
GEICOAnnual Premium$1,393Monthly Premium$116
Auto-Owners Insurance CoAnnual Premium$1,420Monthly Premium$118
State FarmAnnual Premium$1,422Monthly Premium$118
AllstateAnnual Premium$1,457Monthly Premium$121

In Topeka and many cities, insurance rates tend to climb with the severity of your driving offenses, reflecting the increased risk insurers take on. For example, drivers with a DUI face an average annual rate of $3,038, while those caught speeding may see rates around $2,310. Given these substantial differences, it's crucial for drivers with offenses to shop around for insurance rates to ensure they're getting the best deal.

Cheapest Car Insurance in Topeka for Teens and Their Families

MoneyGeek found that Nationwide offers the cheapest car insurance for teens in Topeka. These are the two most cost-effective providers:

  • Nationwide: $1,087 per year for female teens and $1,176 per year for male teens
  • State Farm: $2,007 per year for female teens; Travelers: $2,511 per year for male teens

These rates provide full coverage for a family with two parents and a teen driver. Auto-Owners has the most costly family policy for a female teen in Topeka, at an annual rate of $2,848. The $1,761 difference in rates for female teen drivers emphasizes the significance of comparing options. With teen drivers considered a higher risk, finding competitive rates can yield substantial savings.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,087Individual Plan Monthly Premium$2,026
State FarmFamily Plan Annual Premium$2,007Individual Plan Monthly Premium$2,460
TravelersFamily Plan Annual Premium$2,038Individual Plan Monthly Premium$3,931
AllstateFamily Plan Annual Premium$2,431Individual Plan Monthly Premium$7,579
FarmersFamily Plan Annual Premium$2,526Individual Plan Monthly Premium$5,835
ProgressiveFamily Plan Annual Premium$2,632Individual Plan Monthly Premium$6,017
GEICOFamily Plan Annual Premium$2,739Individual Plan Monthly Premium$4,675
Auto-Owners Insurance CoFamily Plan Annual Premium$2,848Individual Plan Monthly Premium$2,881

In Topeka and similar cities across the U.S., teenage drivers face significantly higher insurance premiums. An individual teen policy costs around $5,197 per year compared to $2,626 when added to a family plan — a $2,571 difference. Insurers charge more for individual teen policies due to the heightened risk teens pose as inexperienced drivers. It is also challenging for teenagers to secure an individual policy because they typically lack a credit history and may not meet underwriting standards without a guardian's financial backing. It's more economical and feasible for teens to opt for a joint family insurance plan.

Cheapest Car Insurance in Topeka for Military Drivers

MoneyGeek found that USAA offers the cheapest car insurance for military backgrounds. The two most affordable providers for full coverage car insurance are:

  • USAA: $757 per year
  • American Family: $868 per year

USAA specializes in services for active-duty military members. Its comprehensive approach offers unique benefits well-suited for the military community.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$757Monthly Premium$63
American FamilyAnnual Premium$868Monthly Premium$72
Auto-Owners Insurance CoAnnual Premium$952Monthly Premium$79
TravelersAnnual Premium$974Monthly Premium$81
ShelterAnnual Premium$1,064Monthly Premium$89
NationwideAnnual Premium$1,109Monthly Premium$92
GEICOAnnual Premium$1,174Monthly Premium$98
FarmersAnnual Premium$1,205Monthly Premium$100

How to Compare Cheap Topeka Car Insurance Quotes Online

Searching for the most affordable car insurance rates in Topeka can yield significant savings. However, a comprehensive comparison of three or more companies typically takes over an hour.

MoneyGeek's car insurance calculator is a tool that streamlines the process and delivers instant savings by focusing on the critical factors influencing premiums in Topeka. Input your age, driving history, credit score, desired coverage levels and several other pertinent details to receive a customized rate estimate.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 18, 2024

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Best Car Insurance in Topeka: Overview

Choosing the best auto insurance depends on prioritizing service, cost, coverage and other factors. MoneyGeek employed distinct scoring systems and identified Auto-Owners as Topeka's leading car insurance provider for varying preferences.

  • Best overall: Auto-Owners (Score 83 out of 100)
  • Best for service: Auto-Owners (Score 78 out of 100)
  • Best cheap: Auto-Owners (Score 88 out of 100)

Auto-Owners is Topeka's leading provider for overall value, customer service and affordability. This company provides a comprehensive balance for those seeking both quality service and reasonable rates. Those prioritizing a high-standard customer service experience will find Auto-Owners meets their expectations, while budget-conscious consumers will appreciate the company's competitive pricing without compromising on service.

Overall Best Car Insurance in Topeka

MoneyGeek found that Auto-Owners is the best car insurance option in Topeka, offering superior car insurance for those in need of quality coverage. Considering these top providers:

  • Auto-Owners: MoneyGeek score of 83 out of 100 ($952 per year)
  • American Family: MoneyGeek score of 81 out of 100 ($868 per year)

Auto-Owners leads the pack in Topeka with its high MoneyGeek score, which indicates a strong balance of customer satisfaction and affordability for a full coverage policy. Its top standing reflects its priority in ensuring customer claims are handled effectively and the overall quality of the coverage it provides.

Company logo for Auto-Owners
Best OverallAuto-Owners
MoneyGeek Score:
83/ of 100

Overview

Auto-Owners leads with excellent affordability and claims scores, contributing significantly to its impressive MoneyGeek score. The company includes the two most common car insurance coverages: rental car and/or travel reimbursement and roadside assistance. It also provides coverages like gap insurance and accident forgiveness, making it a great option despite any missing options.

For drivers seeking comprehensive protection, Auto-Owners offers valuable rare coverages. Diminished value coverage ensures you receive compensation for a vehicle's lost value after an accident. Its coverage package, the Personal Automobile Plus Package, bundles several enhancements for a comprehensive insurance experience. The unique deductible modification waives your collision deductible if you are involved in an accident with another Auto-Owners policyholder. These offerings underline the insurer's commitment to a comprehensive insurance package, matching its solid ratings.

Best Car Insurance in Topeka for Customer Service

MoneyGeek found that Auto-Owners is the best option in Topeka for car insurance focused on customer service. Its impressive MoneyGeek score highlights general satisfaction, adept claims handling and comprehensive coverages without factoring in rates.

  • Auto-Owners: MoneyGeek score of 78 out of 100 ($952 per year)
  • American Family: MoneyGeek score of 75 out of 100 ($868 per year)

Auto-Owners is the top provider mainly due to its exceptional claims satisfaction score, which is a significant factor for policyholders who value efficient and effective service in times of need. It distinguishes itself as the insurer that sets the standard in Topeka with its superior customer service and strong financial stability ratings.

Company logo for Auto-Owners
Best for Customer ServiceAuto-Owners
MoneyGeek Score:
78/ of 100

Overview

Auto-Owners earns high marks for its claims and satisfaction scores contributing greatly to its overall high MoneyGeek score. The company offers two common coverages: roadside assistance and rental car and/or travel reimbursement. It also provides a coverage package and accident forgiveness, which enhance protection and add value for drivers.

Auto-Owners' offerings include diminished value coverage, a rare coverage that compensates for loss in car value after an accident. Its Personal Automobile Plus Package simplifies managing multiple coverage needs. Accident forgiveness prevents your premiums from increasing after the first at-fault accident. These offerings and its high ratings indicate Auto-Owners' excellent customer satisfaction, reliable claims handling and comprehensive range of options.

Best Cheap Car Insurance in Topeka

MoneyGeek found that Auto-Owners is the top choice for the best cheap car insurance in Topeka. This company balances affordability with competent claims handling and general customer satisfaction.

  • Auto-Owners: MoneyGeek score of 88 out of 100 ($380 per year)
  • American Family: MoneyGeek score of 81 out of 100 ($496 per year)

Auto-Owners stands out mainly due to its exceptional balance of cost-effectiveness and quality of service. The key factors contributing to its high MoneyGeek score include a strong affordability score for a minimum coverage policy and top marks in claims handling. These elements ensure that customers receive excellent value for their investment in car insurance coverage.

Company logo for Auto-Owners
Best Cheap CompanyAuto-Owners
MoneyGeek Score:
88/ of 100

Overview

Auto-Owners received perfect scores for affordability and claims handling. With an average annual premium of $380, the typical driver receives minimum coverage without financial burden.

Average Cost of Car Insurance in Topeka

In Topeka, Kansas, the average annual cost of car insurance is $1,294. This figure is $46 lower than the Kansas state average of $1,340. The state average is lower than the national average of $1,781, indicating that Kansas residents pay $441 less than the rest of the country.

Various factors influence the cost of car insurance. However, location is a key factor, as it affects the likelihood of accidents and the cost of claims. Kansas City faces the most expensive premium at $1,520 per year, while Olathe enjoys the cheapest premium at $1,269. The $251 difference emphasizes the impact of location on insurance costs. Insurance rates may be even lower in less urbanized areas with lower traffic density.

Kansas CityAnnual Premium$1,520
OlatheAnnual Premium$1,269
Overland ParkAnnual Premium$1,325
TopekaAnnual Premium$1,294
WichitaAnnual Premium$1,412

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.