The average cost of a full coverage insurance policy in Topeka is $1,480 per year. Compared to the the state average in Kansas of $1,532, car insurance for Topeka drivers is $52 cheaper. Car insurance is determined by various factors, including your age, location, and driving record. To ensure you’re getting the best possible price on car insurance, comparing rates from top companies is ideal.
Policygenius can help you see offers from top companies and find affordable protection that works within your budget.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Topeka, KS
Insurance companies all use the same information to set insurance premiums. But data such as your location, driving history, and type of car you drive are weighed differently by insurers to calculate your rates.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $75/month | 890 |
GEICO | $76/month | 874 |
State Farm | $85/month | 882 |
Nationwide | $87/month | 868 |
Travelers | $102/month | 854 |
Cheapest car insurance rates by ZIP code in Topeka, KS
Insurance companies look at statistics like stolen vehicles, speeding tickets, and accidents in a neighborhood and set rates accordingly. If you live in a ZIP code with a high crime rate, your car insurance rates will typically be higher than someone who lives in a statistically safer neighborhood.
ZIP code | Average cost |
|---|---|
66618 | $1,409 |
66615 | $1,424 |
66610 | $1,426 |
66617 | $1,439 |
66614 | $1,456 |
66619 | $1,463 |
66608 | $1,465 |
66621 | $1,471 |
66611 | $1,477 |
66609 | $1,480 |
Choosing the right car insurance company in Topeka, KS
Car insurance is required if you own and plan to drive a vehicle in Topeka. While insurance is necessary, selecting the right car insurance provider is essential. You want to make sure you’re getting the coverage that fits your needs at a price you can afford.
Policygenius can help you see quotes from top companies. Answer a few questions and let our insurance experts do the rest. Then, we can help you find the best coverage with flexible payment options with a company you can trust.
Car insurance rates for drivers with driving violations in Topeka, KS
Your driving record can influence how much you pay for car insurance. If you have a history of speeding tickets, then you probably already pay more for car insurance. More serious driving violations can increase your premiums even more, and multiple citations can drive up your rates substantially.
Violation | USAA | GEICO | State Farm | Nationwide | Travelers |
|---|---|---|---|---|---|
At-fault accident | $1,348 | $1,812 | $1,176 | $1,732 | $1,759 |
Suspended license | $2,133 | $1,211 | $1,095 | $2,217 | $1,911 |
Open container | $1,306 | $1,211 | $1,095 | $1,308 | $1,678 |
Expired registration | $1,171 | $988 | $1,095 | $1,308 | $1,678 |
Driving without lights | $1,171 | $1,211 | $1,095 | $1,308 | $1,319 |
Running a red light | $1,171 | $1,211 | $1,095 | $1,308 | $1,678 |
Following too closely | $1,171 | $1,211 | $1,095 | $1,308 | $1,678 |
Hit and run | $2,438 | $3,417 | $1,095 | $2,217 | $1,911 |
Not-at-fault accident | $958 | $1,151 | $1,036 | $1,083 | $1,319 |
Passing a school bus | $1,306 | $1,211 | $1,095 | $1,308 | $1,697 |
Reckless driving | $1,306 | $2,391 | $1,095 | $2,217 | $1,697 |
Cheapest car insurance for drivers with a DUI in Topeka, KS
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,095 |
Travelers | $1,911 |
Nationwide | $2,217 |
USAA | $2,261 |
GEICO | $3,417 |
Cheapest car insurance for drivers with a speeding ticket in Topeka, KS
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,095 |
USAA | $1,171 |
GEICO | $1,211 |
Nationwide | $1,308 |
Travelers | $1,697 |
Cheapest car insurance for drivers with bad credit in Topeka, KS
Many states, including Kansas, use your credit report to help determine your car insurance rates. You may be able to lower your car insurance rates if you improve your credit score.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,412 |
Nationwide | $1,599 |
USAA | $1,704 |
Travelers | $2,231 |
Farm Bureau | $2,320 |
Buying car insurance in Topeka, KS
Because of the law in Kansas, drivers in Topeka must have the following types of auto insurance:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Personal injury protection (PIP): $4,500 per accident
Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident
Kansas is a no-fault state when it comes to car accidents. What this means is that each driver involved in the car wreck will be covered by their own insurance company. Make sure your coverage is enough for you needs, as many people find they need more than the state minimum.
How to get cheap car insurance in Topeka, KS
To help lower insurance costs, insurance companies offer a variety of discounts. Here are some of the most common, including:
Bundling your policies: The combining of home, life, and auto insurance policies with the same company can result in a discount for some or all of those policies.
Install anti-theft devices: You may get a discount if your vehicle has certain safety features.
Ask about discounts: For active-duty service members, veterans, and their families, a discount may be available. The good-student discount is for young drivers enrolled in high school or college who maintain a B average. Drivers with no accident claims may also get a discount.
Shop around: When your policy is up for renewal, reshopping your coverage may result in lower rates.
Discounts vary by company, and you might not qualify for any of them, so be sure to ask your provider about other ways to lower your insurance.
Frequently asked questions
Who has the lowest car insurance rates in Topeka?
USAA has the lowest insurance rates in the state, at $903 per year for full coverage.
How much is car insurance per month in Kansas?
The cost of car insurance in drivers in Kansas is $128 per month, or $1,532 per year.
Is Kansas an at-fault state or a no-fault state?
Kansas is a no-fault state, which means drivers file a claim with their own insurance company after an accident, no matter who is at fault.
Is PIP required in Kansas?
Yes, drivers in Kansas are required to to have PIP coverage, at least $4,500 per accident. This is because Kansas is a no-fault state.
