Cheapest and Best Car Insurance Companies in Topeka, KS

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.