Compare Topeka, IL Car Insurance Rates (2021)

Car insurance in Topeka, IL averages $261 a month. Topeka, Illinois car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Topeka car insurance rates, compare quotes from the top car insurance companies in Topeka, IL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Topeka for teen drivers is Travelers
  • Average car insurance rates in Topeka, IL after a DUI are $3,651/year
  • Average car insurance rates in Topeka, IL are $3,132/year

If you need to buy Topeka, Illinois car insurance, the options can be confusing. Everything you need to know about car insurance in Topeka, IL is right here.

You’ll find Topeka car insurance rates, the cheapest Topeka, IL car insurance companies, and information on Illinois car insurance laws. You can also compare Topeka, Illinois car insurance rates to Cicero car insurance rates, Peoria car insurance rates, and Joliet car insurance rates.

Ready to find affordable Topeka, IL car insurance today? Enter your ZIP code for fast, free Topeka car insurance quotes.

Cheapest Topeka, IL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Topeka, IL car insurance rates? Every Topeka, Illinois car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Topeka, Illinois

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,259 $3,274 $3,383 $3,383 $8,257 $10,766 $3,916 $4,232
American Family $2,501 $2,501 $2,278 $2,278 $6,853 $9,591 $2,501 $3,218
Farmers $2,430 $2,435 $2,165 $2,279 $9,863 $10,279 $2,763 $2,902
GEICO $1,621 $1,622 $1,521 $1,797 $4,847 $5,129 $2,028 $1,979
Liberty Mutual $1,352 $1,461 $1,125 $1,259 $4,343 $4,838 $1,412 $1,492
Nationwide $1,589 $1,620 $1,416 $1,502 $4,249 $5,460 $1,839 $1,992
Progressive $1,973 $1,878 $1,625 $1,693 $6,921 $7,789 $2,358 $2,561
State Farm $1,441 $1,441 $1,279 $1,279 $4,015 $5,104 $1,627 $1,864
Travelers $1,432 $1,510 $1,294 $1,379 $3,978 $4,934 $1,521 $1,602
USAA $1,743 $1,788 $1,620 $1,612 $5,519 $6,112 $2,305 $2,557

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Minimum Car Insurance in Topeka, IL

Every driver must carry the minimum car insurance in Topeka, IL. Take a look at the Illinois car insurance requirements.

Minimum Required Car Insurance Coverage in Topeka, Illinois

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Topeka, IL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Topeka, IL. Compare credit history car insurance rates in Topeka from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Topeka, Illinois

Insurance Company Poor Fair Good
Allstate $6,472 $4,648 $4,056
American Family $5,302 $3,577 $3,016
Farmers $5,006 $4,181 $3,981
GEICO $4,119 $2,014 $1,571
Liberty Mutual $3,056 $1,905 $1,520
Nationwide $2,932 $2,366 $2,077
Progressive $3,821 $3,239 $2,990
State Farm $3,282 $1,964 $1,523
Travelers $2,699 $2,160 $1,760
USAA $3,883 $2,655 $2,184

Cheapest Topeka, IL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Topeka, IL to rates for a clean record with top companies.

Annual Topeka, Illinois Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,694 $6,093 $5,679 $4,770
American Family $2,914 $4,133 $5,504 $3,309
Farmers $3,717 $4,766 $4,648 $4,426
GEICO $1,896 $2,518 $3,482 $2,376
Liberty Mutual $1,805 $2,547 $2,244 $2,044
Nationwide $1,984 $2,563 $3,011 $2,276
Progressive $2,766 $4,078 $3,059 $3,496
State Farm $2,070 $2,443 $2,256 $2,256
Travelers $1,765 $2,302 $2,551 $2,208
USAA $2,077 $2,971 $4,078 $2,502

Cheapest Topeka, IL Car Insurance for Teen Drivers

Teen car insurance in Topeka, IL can be expensive. Take a look at rates from the top car insurance companies in Topeka for teenagers.

Annual Car Insurance Rates for Teen Drivers in Topeka, Illinois

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,257 $10,766
American Family $6,853 $9,591
Farmers $9,863 $10,279
GEICO $4,847 $5,129
Liberty Mutual $4,343 $4,838
Nationwide $4,249 $5,460
Progressive $6,921 $7,789
State Farm $4,015 $5,104
Travelers $3,978 $4,934
USAA $5,519 $6,112

Cheapest Topeka, IL Car Insurance for Seniors

Take a look at Topeka, IL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Topeka, Illinois

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,383 $3,383
American Family $2,278 $2,278
Farmers $2,165 $2,279
GEICO $1,521 $1,797
Liberty Mutual $1,125 $1,259
Nationwide $1,416 $1,502
Progressive $1,625 $1,693
State Farm $1,279 $1,279
Travelers $1,294 $1,379
USAA $1,620 $1,612

Cheapest Topeka, IL Car Insurance Rates After a DUI

A DUI in Topeka, IL increases car insurance rates. Compare Topeka, Illinois DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Topeka, Illinois

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,679
American Family $5,504
Farmers $4,648
GEICO $3,482
Liberty Mutual $2,244
Nationwide $3,011
Progressive $3,059
State Farm $2,256
Travelers $2,551
USAA $4,078

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Cheapest Topeka, IL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Topeka, IL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Topeka, Illinois

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,059 $5,059
American Family $3,913 $4,017
Farmers $4,389 $4,389
GEICO $2,519 $2,617
Liberty Mutual $2,160 $2,160
Nationwide $2,458 $2,458
Progressive $3,350 $3,350
State Farm $2,199 $2,313
Travelers $2,120 $2,292
USAA $2,825 $2,989

The Best Cheap Car Insurance Companies in Topeka, IL

Take a look at a side-by-side comparison of the top car insurance companies in Topeka, IL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Topeka, Illinois

Insurance Company Average Annual Rates
Allstate $5,059
American Family $3,965
Farmers $4,389
GEICO $2,568
Liberty Mutual $2,160
Nationwide $2,458
Progressive $3,350
State Farm $2,256
Travelers $2,206
USAA $2,907

Category Winners: Cheapest Car Insurance in Topeka, Illinois

Find the cheapest car insurance companies in Topeka, IL for each category right here.

Best Annual Car Insurance Rates by Company in Topeka, Illinois

Category Insurance Company
Teenagers Travelers
Seniors Liberty Mutual
Clean Record Travelers
With 1 Accident Travelers
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

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Cheapest Topeka, IL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Topeka car insurance rates. Find the cheapest Topeka, IL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Topeka, Illinois

Insurance Company Low Medium High
Allstate $4,928 $5,055 $5,194
American Family $3,867 $4,109 $3,919
Farmers $4,196 $4,297 $4,675
GEICO $2,377 $2,564 $2,762
Liberty Mutual $2,031 $2,155 $2,294
Nationwide $2,452 $2,476 $2,447
Progressive $3,095 $3,344 $3,610
State Farm $2,143 $2,260 $2,366
Travelers $2,087 $2,204 $2,327
USAA $2,717 $2,904 $3,100

What affects car insurance rates in Topeka, Illinois?

What factors can have an impact on Topeka, IL car insurance? There are several reasons why Topeka car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Topeka, Illinois.

Commute Time in Topeka

The more time you spend in your car the higher the risk of an accident. The average commute length in Topeka, IL is 35.0 minutes according to City-Data.

Traffic in Topeka

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Topeka, IL traffic data from INRIX ranks Topeka as the 1005th-most congested in the world.

Compare Car Insurance Quotes in Topeka, IL

Ready to find affordable Topeka, Illinois car insurance today? Enter your ZIP code for fast, free Topeka, IL car insurance quotes.

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Average Monthly Car Insurance Rates by State