The average full coverage car insurance in Topeka costs $114 per month. Rates range from $106 to $306. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
Topeka, KS, Car Insurance
Updated: March 31, 2025
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Cheapest Car Insurance in Topeka: Key Takeaways
Auto-Owners, American Family, Nationwide and Travelers are the most affordable car insurance companies in Topeka.
Auto-Owners is the cheapest provider for minimum coverage at $32 per month. American Family offers the most affordable full coverage at $72.
On average, car insurance costs $49 monthly for minimum coverage and $114 for full coverage.
Car Insurance Quotes in Topeka, KS
| Young Drivers | $59 | $140 |
| Teens | No Data | $306 |
| Seniors | $49 | $106 |
| Drivers With an Accident | $73 | $168 |
| Drivers With a Speeding Ticket | $62 | $143 |
| Drivers With a DUI | $82 | $189 |
| Bad Credit | $84 | $203 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Topeka vs. State Average
Kansas
State Average Full Coverage Rate
$1,387
Topeka, KS
City Average Full Coverage Rate
$1,369Topeka Car Insurance is Average:$18 saved
This is 1% less expensive.
What Is the Average Car Insurance Rate in Topeka?
The average cost of full coverage car insurance in Topeka is $1,369 per year, and minimum coverage costs $588. These rates are slightly lower than the Kansas averages of $1,387 and $591, respectively.
| State Average | $591 | $1,387 |
| Topeka Average | $588 | $1,369 |
Cheapest Car Insurance Companies in Topeka
While premiums rise across Kansas, you can still find cheap car insurance in Topeka. Auto-Owners offers the cheapest minimum coverage at $32 per month. For full coverage, American Family provides the best rate at $72.
Cheap Car Insurance in Topeka
Auto-Owners offers the cheapest minimum coverage for most Topeka drivers, but rates vary widely. The best way to find affordable car insurance is by getting quotes from multiple providers. The table below highlights the lowest rates for different driver profiles.
| Auto-Owners Insurance Co | Minimum Coverage | $32 |
| American Family | Full Coverage | $72 |
| Nationwide | Teens | $164 |
| Travelers | Young Adults | $65 |
| American Family | Seniors | $54 |
| Travelers | Bad Credit | $92 |
| American Family | Drivers With a DUI | $67 |
| American Family | Drivers With an Accident | $57 |
| American Family | Drivers With a Speeding Ticket | $67 |
Car Insurance Rates in Topeka by Company
To save on car insurance, compare rates from various companies. Below, we detail Topeka's most affordable options for minimum and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Topeka
Auto-Owners offers the cheapest minimum coverage auto insurance in Topeka at $32 per month, followed closely by Travelers at $35. The table below breaks down the affordable options.
| Auto-Owners Insurance Co | $32 | $17 |
| Travelers | $35 | $14 |
| Iowa Farm Bureau | $38 | $11 |
| Shelter | $41 | $8 |
| State Farm | $41 | $8 |
| American Family | $41 | $8 |
| Progressive | $43 | $6 |
| GEICO | $43 | $6 |
| Farmers Union Insurance | $45 | $4 |
Cheapest Car Insurance Companies for Full Coverage in Topeka
American Family offers the cheapest full coverage car insurance in Topeka at $72 monthly. Explore the list of affordable providers below.
| American Family | $72 | $42 |
| Travelers | $79 | $35 |
| Auto-Owners Insurance Co | $79 | $35 |
| Shelter | $90 | $24 |
| Nationwide | $92 | $22 |
| GEICO | $98 | $16 |
| Farmers | $107 | $8 |
| State Farm | $107 | $7 |
Car Insurance Companies in Topeka
Auto-Owners offers the cheapest car insurance in Topeka at $666 annually. It's also the best affordable provider, with a MoneyGeek score of 83 out of 100. Check the table below for more options.
| Auto-Owners Insurance Co | 83 | $666 |
| American Family | 80 | $682 |
| Shelter | 76 | $786 |
| State Farm | 71 | $887 |
| Travelers | 67 | $683 |
| Nationwide | 66 | $873 |
| GEICO | 63 | $844 |
| Progressive | 61 | $983 |
| Farmers | 60 | $939 |
| Allstate | 55 | $1,077 |
| Dairyland | No Data | $2,211 |
| Farmers Union Insurance | No Data | $1,124 |
| Iowa Farm Bureau | No Data | $972 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Topeka by Age
Middle-aged drivers and younger seniors pay Topeka's lowest car insurance rates, averaging $1,369 per year for 40-year-olds and $1,276 for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $2,457 | $-711 |
| 17 | $2,428 | $-682 |
| 18 | $2,063 | $-317 |
| 19 | $1,896 | $-150 |
| 20 | $1,929 | $-183 |
| 21 | $1,520 | $226 |
| 22 | $1,510 | $236 |
| 23 | $1,546 | $200 |
| 24 | $1,446 | $300 |
| 25 | $1,674 | $-218 |
| 40 | $1,369 | $87 |
| 65 | $1,276 | $181 |
Cheapest Car Insurance for Teens in Topeka
Nationwide offers the cheapest overall car insurance for teens in Topeka at $91 monthly, saving $94 compared to the state average. The table below breaks down more affordable providers for this age group.
| Nationwide | $91 | $94 | $164 |
| Travelers | $162 | $23 | $263 |
| State Farm | $173 | $11 | $195 |
| Allstate | $176 | $8 | $387 |
| Farmers | $196 | $-12 | $384 |
| Auto-Owners Insurance Co | $221 | $-37 | $224 |
| GEICO | $226 | $-41 | $355 |
| Progressive | $229 | $-45 | $473 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Topeka
For young Topeka drivers seeking the lowest monthly rates, Travelers offers minimum coverage at $38, and American Family provides full coverage at $86. Check the table below to compare low-cost options across different driver profiles.
| Travelers | Minimum Coverage | $38 |
| American Family | Full Coverage | $86 |
| Travelers | Bad Credit | $105 |
| American Family | Drivers With a DUI | $81 |
| American Family | Drivers With an Accident | $68 |
| Travelers | Drivers With a Speeding Ticket | $81 |
Cheapest Car Insurance Companies for Young Drivers in Topeka
Travelers offers the most affordable auto insurance for young drivers in Topeka at $65 per month. The table below shows other companies with competitive rates.
| Travelers | $65 | $35 |
| American Family | $68 | $31 |
| Auto-Owners Insurance Co | $73 | $27 |
| GEICO | $84 | $15 |
| State Farm | $92 | $8 |
| Nationwide | $92 | $7 |
| Allstate | $94 | $5 |
| Farmers | $95 | $4 |
| Iowa Farm Bureau | $97 | $2 |
| Progressive | $98 | $1 |
| Shelter | $98 | $1 |
*Rates are for 25-year-old drivers with good credit and no driving violations minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Topeka
Iowa Farm Bureau, American Family and Travelers offer the cheapest car insurance for seniors in Topeka. The table below shows the most affordable providers for different driver and coverage profiles.
| Iowa Farm Bureau | Minimum Coverage | $31 |
| American Family | Full Coverage | $67 |
| Travelers | Bad Credit | $90 |
| American Family | Drivers With a DUI | $64 |
| American Family | Drivers With an Accident | $54 |
| American Family | Drivers With a Speeding Ticket | $64 |
Cheapest Car Insurance for Seniors in Topeka
American Family offers the cheapest monthly premium for seniors, $54, for minimum and full coverage plans. Travelers, Shelter and Auto-Owners follow closely at $55. The table below shows the top car insurance options for seniors in Topeka.
| American Family | $54 | $24 |
| Travelers | $55 | $23 |
| Shelter | $55 | $23 |
| Auto-Owners Insurance Co | $55 | $22 |
| Iowa Farm Bureau | $66 | $12 |
| State Farm | $68 | $10 |
| Nationwide | $70 | $8 |
| Progressive | $74 | $4 |
| GEICO | $77 | $1 |
*Rates are for 65-year-old drivers with good credit and no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Topeka
High-risk drivers in Topeka typically pay slightly less for car insurance than the state averages. Minimum coverage costs around $871 in the city, compared to $876 statewide. Full coverage averages $2,001 in Topeka, while the state average is $2,025. Drivers with bad credit and DUIs face the highest rates, while accidents and speeding tickets have a smaller impact on costs.
| Topeka Average | $871 | $2,001 |
| State Average | $876 | $2,025 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Insurers consider most minor driving incidents, like a not-at-fault accident or speeding ticket, for around three years. For more serious offenses, such as a DUI, insurers may take them into account for up to five years, and you might need to file an SR-22 to meet Kansas' minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Topeka
Progressive offers the cheapest minimum coverage for drivers with a DUI in Topeka at $515 per year. American Family provides the most affordable full coverage at $1,034. Check the table below for more low-cost coverage options.
| Progressive | $43 | $132 |
| State Farm | $46 | $118 |
| American Family | $49 | $86 |
| Travelers | $51 | $120 |
| Farmers | $71 | $152 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Topeka
Auto-Owners, American Family and Travelers offer the cheapest auto insurance after an at-fault accident in Topeka. The table below shows various providers offering affordable coverage.
| Auto-Owners Insurance Co | $38 | $94 |
| American Family | $41 | $72 |
| Travelers | $47 | $110 |
| State Farm | $51 | $127 |
| Iowa Farm Bureau | $58 | $183 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Topeka
Travelers is the cheapest car insurance provider for drivers with speeding tickets in Topeka, offering minimum coverage for $45. American Family has the lowest full coverage rate at $86. Check the table below to see how much other providers charge drivers with speeding tickets.
| Travelers | $45 | $106 |
| State Farm | $46 | $118 |
| Iowa Farm Bureau | $48 | $156 |
| American Family | $49 | $86 |
| Progressive | $50 | $154 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Topeka
Travelers offers the most affordable rates for drivers with bad credit in Topeka at $58 for minimum coverage. American Family is the cheapest for full coverage at $125. See the table below for other low-cost options.
| Travelers | $58 | $127 |
| Progressive | $66 | $206 |
| Shelter | $66 | $168 |
| GEICO | $70 | $158 |
| American Family | $71 | $125 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Topeka, KS
Kansas mandates that each city follows statewide car insurance minimums. Your policy must include at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in 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 for medical expenses
For instance, if you're in a fender bender, your minimum coverage helps cover medical costs and damage up to these limits, ensuring you're within the legal requirements.
Cheap Car Insurance in Topeka: Bottom Line
Auto-Owners offers the cheapest minimum coverage in Topeka at $32 a month, while American Family provides affordable full coverage at $72. You can find plans to fit your budget regardless of age or credit. Ensure your policy includes Kansas’ required coverages: bodily injury, property damage and uninsured motorist protection. Compare providers to secure the best price while meeting state requirements.
Topeka Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in Topeka.
What is the cheapest car insurance company in Topeka, KS?
Auto-Owners offers the most affordable minimum coverage in Topeka, Kansas, at around $32 monthly.
What is the best car insurance company in Topeka, KS?
Auto-Owners is the top car insurance provider in Topeka, Kansas, with a MoneyGeek score of 83 out of 100 and an annual premium of $666 for minimum coverage.
How much does car insurance cost on average in Topeka, KS?
The average monthly cost of minimum car insurance in Topeka, Kansas, ranges from $49 to $84.
Best Cheap Car Insurance in Topeka: Our Methodology
MoneyGeek analyzed Topeka auto insurance prices using the Kansas Department of Insurance and Quadrant Information Services data.
Topeka Driver Profile
To assess the best and most affordable auto insurance options for Topeka residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Topeka
In assessing the car insurance quotes for Topeka, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to Kansas' minimum coverage requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in 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 for medical expenses
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Kansas providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Topeka
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes from 14 insurance companies in Topeka for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more details, review MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.