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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.