Cheapest and Best Car Insurance Companies in Topeka, KS
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By, Content Director
The cheapest insurer depends on your needs and driver profile. Nationwide offers the most affordable rates for full coverage, minimum coverage, teen drivers and drivers with a speeding ticket. American Family offers the lowest premiums following an at-fault accident, while State Farm is the cheapest company for drivers with a DUI. USAA is the ideal provider for drivers with a military background. For the best blend of affordability and service, we recommend Auto-Owners Insurance.
Cheapest and Best Car Insurance in Topeka, KS
Cheapest Minimum Liability Car Insurance in Topeka
The cheapest car insurance companies for a minimum coverage policy in Topeka are:
- Nationwide: $238 per year
- State Farm: $279 per year
Dairyland is the least affordable provider for minimum coverage, charging an average rate of $1,102 per year. Nationwide offers the cheapest auto insurance in Kansas, with annual premiums averaging $223 as of October 2022. A minimum coverage policy from the cheapest company, Nationwide, costs around $15 more in Topeka than in most other cities across Kansas.
In Kansas, state-mandated minimum liability coverage includes the following:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
- Personal injury protection (including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs and $4,500 for rehabilitation)
- Survivors benefits (including up to $900 per month for a year for disability of loss of income and $25 per day for in-home services)
Suppose you carry a minimum coverage policy with bodily injury liability limits of $25,000 per person and $50,000 per accident. Your insurer will pay up to $25,000 for medical bills per injured person but not over $50,000 per incident, even if more than two people are injured in the accident. You'll have to pay out of pocket for expenses exceeding the stated limits.
Cheapest Full Coverage Car Insurance in Topeka
The cheapest car insurance companies for a full coverage policy Topeka are:
- Nationwide: $674 per year
- State Farm: $785 per year
Dairyland is the most expensive insurer for full coverage at $2,561 per year, on average. Nationwide offers the cheapest full coverage auto insurance in Kansas at an average of $676 per year as of October 2022.
Full coverage insurance raises your level of financial protection by adding comprehensive and collision insurance to your policy and increasing your liability limits.
- Collision Insurance: Covers the costs to repair or replace your vehicle if it sustains damage in an at-fault accident, such as collision with another car or an object.
- Comprehensive Insurance: Covers expenses to repair or replace your vehicle if it sustains damage in a non-accident incident like theft, animal damage or a weather-related event.
Paying hundreds of dollars more for full coverage might not be sensible if you have an older car that’s already lost much of its value. However, we advise drivers of newer and more expensive cars to purchase this type of policy.
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Cheapest Car Insurance in Topeka After a Driving Offense
The cheapest car insurance companies for a full coverage policy after driving violations in Topeka are:
- Speeding ticket: Nationwide ($779 per year)
- At-fault accident: American Family ($826 per year)
- DUI: State Farm ($864 per year)
Dairyland is the most expensive provider for drivers with a speeding ticket or an at-fault accident, with full coverage policies costing roughly $3,142 and $3,530 per year, respectively. GEICO is the least affordable option for drivers with a DUI on their record, at around $2,914 per year. Drivers with a history of violations tend to pay higher rates than those with clean records. We found that even the cheapest insurers charge drivers with violations hundreds more for the same policy.
You will likely notice a spike in your car insurance premium after a severe violation. For instance, the cheapest policies in Topeka cost around $266 more after getting a speeding ticket and $679 more after a DUI. We’ve listed several ways to get affordable car insurance for drivers with a bad driving record.
Cheapest Car Insurance in Topeka for Teens and Their Families
The cheapest car insurance companies for teens on a family policy in Topeka are:
- Nationwide: $1,087 per year for females; $1,176 per year for males
- State Farm: $2,007 per year for females
- Travelers: $2,511 per year for males
The least affordable insurers for teen drivers on a family policy are Auto-Owners Insurance for females ($2,848 per year) and GEICO for males ($3,396 per year). Male teens typically pay higher insurance rates because they are more prone to risky behaviors, including reckless driving. With the cheapest provider, Nationwide, the difference in premiums between female and male teens amounts to roughly $90 per year. However, these rate differences usually drop off in early adulthood.
Purchasing an individual auto insurance policy for a teen can be very expensive. Adding a teen to a family policy is a more affordable alternative. According to our data, adding a 16-year-old male in Topeka to a family policy costs $2,378 per year for full coverage compared to $4,922 per year if he’s on an individual policy. That’s a $2,544 difference. Comparing quotes from multiple providers is another great way to find the cheapest auto insurance for teens.
Cheapest Car Insurance in Topeka for Military Drivers
The cheapest car insurance companies for military families and veterans in Topeka are:
- USAA: $605 per year
- Nationwide: $674 per year
These rates are for full coverage. The same companies have the most affordable minimum coverage policies, with USAA and Nationwide charging roughly $222 and $238 per year, respectively.
How to Compare Cheap Topeka Car Insurance Quotes Online
Comparing car insurance rates can help you find the best deals. But getting personalized quotes online can take up to 15 minutes per company, and you’ll need to provide a lot of personal information, which can expose you to security risks.
MoneyGeek’s car insurance calculator can give a quick ballpark of your premium. You just need to provide your age, vehicle type, preferred coverage level and driving record to get a reliable estimate.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Topeka: Summary
Your preferences surrounding cost, service quality and coverage options, among other factors, will determine the best auto insurance provider for you. These are the best car insurance companies in Topeka, Kansas, based on MoneyGeek’s study:
- Best overall: Auto-Owners Insurance (MoneyGeek score of 79 out of 100)
- Best for service: Shelter (MoneyGeek score of 68 out of 100)
- Best cheap: Auto-Owners Insurance (MoneyGeek score of 80 out of 100)
The same company can have different MoneyGeek scores because we make criteria weight adjustments depending on the category. Auto-Owners Insurance offers the best blend of affordability and service, making it the best auto insurance in Kansas, in addition to being our overall winner in Topeka. USAA is also worth considering if you have a military background. It received a MoneyGeek score of 85 out of 100 in our study of 11 providers in Topeka.
Best Overall Car Insurance in Topeka
The overall best companies for full coverage car insurance in Topeka that offer a balance of affordable rates and exceptional service are:
- Auto-Owners Insurance: MoneyGeek score of 79 out of 100 ($854 per year)
- Shelter: MoneyGeek score of 79 out of 100 ($987 per year)
Auto-Owners Insurance rightfully earns the top spot by providing most essential coverages at affordable rates. Earning an impressive MoneyGeek score of 85 out of 100, USAA is also worth considering if you have a military background or are part of a military family.
How was this MoneyGeek score calculated?
Ranks fourth on affordability out of 10 providers
Offers three of the four essential coverages
Offers diminished value coverage, a Personal Automobile Plus package and deductible modification
Average rating on claims management
Limited options for add-on coverages
Doesn’t offer original equipment manufacturer (OEM) or new car replacement coverages
Auto-Owners Insurance offers a good combination of essential and rare coverages. Its Personal Automobile Plus package includes over 10 additional coverages you can purchase at one competitive rate. This offering is perfect for drivers who prefer to keep their insurance straightforward while having the freedom to customize their coverages.
Auto-Owners Insurance also offers rare coverages designed to ease the financial impact of an accident. Its diminished value coverage compensates you for the reduced value of your car after it is damaged in an accident. Deductible modification helps you waive your deductible if you are involved in an accident with another vehicle that’s also insured by Auto-Owners Insurance. Gap insurance is worth the add-on cost if you purchased your car through a loan. This coverage pays you for the difference between the value of your totaled car and the amount you still owe.
Best Car Insurance in Topeka for Customer Service
If service quality is your key deciding factor in selecting an insurer, we recommend these companies that provide the best customer experience in Topeka regardless of cost:
- Shelter: MoneyGeek score of 68 out of 100 ($987 per year)
- Auto-Owners Insurance: MoneyGeek score of 66 out of 100 ($854 per year)
Shelter delivers superior service while providing three of the four essential coverages most useful to drivers. But be prepared to pay a higher premium in exchange for these perks. Our winner, Shelter, ranks seventh out of 10 companies in terms of affordability.
How was this MoneyGeek score calculated?
Ranks first out of 10 providers on customer satisfaction
Has three of the four essential coverages — roadside assistance, rental car reimbursement and gap insurance
Offers new car replacement coverage
Weak claims handling record
Doesn’t offer accident forgiveness or deductible modification
Shelter may have limited coverages, but its policies offer great value. All policies include new car replacement coverage, which helps pay for a brand-new car of the same year, make and model as your current vehicle if it is totaled. Your car has to be less than a year old with fewer than 15,000 miles on its odometer to qualify.
You’ll also get roadside assistance at no added cost. This coverage gives you reliable access to 24/7 service and pays up to $100 per incident if your car needs emergency repairs or you need a tire change, battery delivery or locksmith services. We recommend purchasing Shelter’s gap insurance, which can ease the financial burden if your car is totaled. It pays the difference between your car's worth and what you still owe on your loan.
Best Cheap Car Insurance in Topeka
Our analysis of affordability and service quality for policies that only meet the minimum coverage requirements in Kansas showed that these are the best options in Topeka:
- Auto-Owners Insurance: MoneyGeek score of 80 out of 100 ($323 per year)
- Nationwide: MoneyGeek score of 77 out of 100 ($238 per year)
Minimum coverage is generally the cheapest insurance for most drivers, but consider its drawbacks before signing up. This type of policy gives you the least protection against liability costs and won’t cover repairs and other expenses if your car is damaged in an accident.
How was this MoneyGeek score calculated?
An affordable minimum coverage policy costs $323 per year, the third-cheapest out of 10 providers
Offers most essential coverages
Discounts for bundling, safe driving and responsible payment
No defensive driving or driver’s education discounts
Average rating in claims management
Auto-Owners Insurance has an extensive list of common and rare discounts, so you’ll have little difficulty qualifying for at least one. You can save on your insurance by insuring two or more passenger vehicles on your personal auto policy or bundling your auto policy with a home, renters or life insurance policy.
You'll get a discount for being a safe driver and if your car has safety features, such as anti-lock brakes, airbags or an anti-theft device. The easiest way to get a discount is to enroll in paperless billing and pay your premiums on time. Policyholders who pay on time for 36 consecutive months qualify for a discount. If you're a new customer, request a quote before your current policy expires to take advantage of the early signing discount.
Average Cost of Car Insurance in Topeka
The average cost of car insurance in Topeka for a full coverage policy is $1,024 per year as of October 2022. This is $36 cheaper than the average cost of car insurance in Kansas ($1,060) and $241 less than the national average ($1,265). These average rates are based on quotes collected for a sample full coverage policy that includes $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident. Rates tend to vary per city, but location is just one of several factors that affect the cost of auto insurance.
About Mark Fitzpatrick