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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Last Updated: 5/16/2022
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The price you pay for car insurance depends on the company you buy your policy from, the coverage you choose and your unique driver profile. Nationwide has the cheapest, widely available full coverage car insurance rates in Topeka on average, while American Family offers the lowest rates for state minimum insurance or if you have a speeding ticket. USAA is another affordable option but is exclusive to drivers who are members of the military. The best overall car insurance company in Topeka, with a balance of affordability and quality customer service, is Auto-Owners Insurance Co.

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The Cheapest and Best Car Insurance in Topeka

The Cheapest Car Insurance Companies in Topeka

You can purchase the cheapest full coverage car insurance policies in Topeka from:

  • Nationwide: $618 per year
  • American Family: $666 per year

USAA has the best price in the city at an average of $611 per year; however, car insurance through USAA is only available to veterans, current members of the military and their families.

Full coverage insurance is a type of policy that includes comprehensive and collision insurance on top of the state’s minimum requirements. It provides more protection, covering repair expenses if your car gets damaged.

Among the companies offering full coverage car insurance policies in Topeka, MetLife is the most expensive, with an average annual premium of $1,029. That’s 66.5% more than the same coverage offered by Nationwide.

Cheapest Car Insurance in Topeka
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $611
  • 2.
    Nationwide
    $618
  • 3.
    American Family
    $666
  • 4.
    State Farm
    $760
  • 5.
    Travelers
    $834
  • 6.
    Farmers
    $842
  • 7.
    Allstate
    $902
  • 8.
    Progressive
    $1,008
  • 9.
    MetLife
    $1,029

To complete this analysis, MoneyGeek compared policy rates for a 40-year-old male driver in Topeka carrying a full coverage car insurance policy, as set out in our methodology.

A full coverage policy includes coverages on top of liability insurance, such as:

  • Comprehensive insurance — helps with the cost of repairs from non-collision-related events, such as fire, theft or weather-related damage.
  • Collision insurance — covers damages sustained from crashes with other vehicles or stationary objects.

Full coverage is always more expensive than state minimum or liability-only insurance, but as noted, it also provides more protection against the costs of repairing damage to your car. If you have an older car, you may wish to consider minimum insurance; otherwise, your premiums for full coverage might add up to more than the replacement value of your car.

Compare Car Insurance Rates in Topeka

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Topeka for Minimum Coverage

If you’re looking for the most affordable car insurance option in Topeka, a state minimum policy is a solid choice. You can find the lowest rates from these companies:

  • American Family: $322 per year
  • Nationwide and State Farm: $343 per year

If you’re in the military, USAA is also the cheapest option, with an annual average premium of $253 for state minimum insurance.

At $531 per year on average, Allstate costs $209 more than American Family for the same coverage. While state minimum insurance is less expensive than full coverage, it also provides less protection since it has the lowest level of liability coverage and doesn’t include collision or comprehensive insurance.

The table below shows how rates change based on your choice of liability limits.

Cheapest Minimum Liability Car Insurance in Topeka
State Minimum

Car insurance laws in Kansas require drivers to have minimum liability insurance coverage of 25/50/25. State minimum is the cheapest car insurance option but offers the least protection. And although you pay less in annual premiums, you can certainly spend more if you're in an accident.

For instance, if the other driver’s medical bills amount to $35,000, your insurer will pay up to $25,000 of that amount. You’ll have to pay the remaining $10,000 out of pocket.

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 up to a year of disability or loss of income coverage. $25 a day for in-home services. $4,500 for rehabilitation-related expenses. $2,000 for funeral, burial or cremation 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

Cheapest Car Insurance in Topeka if You Have Driving Violations

Having violations on your record can increase your premium, sometimes significantly — the more serious the infraction, the more expensive your rate. In Topeka, drivers with speeding tickets, DUIs and at-fault accidents can purchase the cheapest car insurance from:

  • Cheapest after a ticket: American Family, $666 per year
  • Cheapest after an at-fault accident: State Farm, $891 per year
  • Cheapest after a DUI: American Family, $666 per year

USAA offers the lowest rate for drivers with an at-fault accident on their record at an average annual premium of $868, but only former and current military members and their families can purchase car insurance through USAA.

By improving your driving history over time, you can help lower your premiums. In the short term, shop around for quotes to see which insurers in Topeka offer the best cheap insurance for drivers with bad records.

Cheapest Car Insurance in Topeka With a Violation
Speeding Ticket

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.

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.

Compare Car Insurance Rates in Topeka

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Topeka

The best car insurance company in Topeka doesn’t just have the cheapest rates. It also values customer satisfaction, efficient claims processing and is financially stable.

MoneyGeek evaluated insurers on these criteria using an internal scoring system and determined that the best overall car insurance companies in Topeka are:

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

USAA topped MoneyGeek’s list with a score of 100 out of 100, but because their policies are only available to former and former military members, we did not include them here.

MoneyGeek analyzed customer satisfaction, affordability and insurer financial stability to calculate the final scores. We used data from J.D. Power and other independent outfits.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:97.5

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:92.5

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:82.5

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:77.5

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:77.5

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Liberty Mutual
Score:77.5

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

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.

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.