Compare Topeka, IN Car Insurance Rates (2021)

Car insurance in Topeka, IN averages $266 a month. Topeka, Indiana car insurance requirements are 25/50/25, 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, IN.

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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

  • Average car insurance rates in Topeka, IN after a DUI are $3,773/year
  • Average car insurance rates in Topeka, IN are $3,187/year
  • The cheapest car insurance company in Topeka is USAA

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

You’ll find Topeka car insurance rates, the cheapest Topeka, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Topeka, Indiana car insurance rates to Bloomington car insurance rates, Indianapolis car insurance rates, and South Bend car insurance rates.

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

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

How do age, gender, and marital status affect Topeka, IN car insurance rates? Every Topeka, Indiana 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, Indiana

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 $2,555 $2,621 $2,235 $2,444 $7,802 $9,802 $2,609 $2,841
American Family $2,195 $2,195 $1,970 $1,970 $5,962 $8,663 $2,195 $2,713
Farmers $1,622 $1,602 $1,388 $1,558 $8,607 $9,162 $2,130 $2,305
GEICO $1,461 $1,452 $1,360 $1,403 $4,269 $3,981 $1,670 $1,481
Liberty Mutual $3,820 $3,820 $3,505 $3,505 $8,444 $12,786 $3,820 $5,262
Nationwide $1,487 $1,521 $1,307 $1,395 $4,271 $5,546 $1,739 $1,901
Progressive $1,515 $1,437 $1,374 $1,381 $8,866 $9,990 $1,899 $1,944
State Farm $1,395 $1,395 $1,235 $1,235 $4,135 $5,303 $1,539 $1,715
Travelers $1,124 $1,145 $1,049 $1,051 $6,876 $10,927 $1,184 $1,376
USAA $1,084 $1,070 $1,005 $1,018 $2,967 $3,326 $1,468 $1,578

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Minimum Car Insurance in Topeka, IN

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

Minimum Required Car Insurance Coverage in Topeka, Indiana

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

Cheapest Topeka, IN Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Topeka, IN. 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, Indiana

Insurance Company Poor Fair Good
Allstate $5,105 $3,794 $3,441
American Family $4,759 $3,096 $2,593
Farmers $4,143 $3,374 $3,124
GEICO $2,567 $2,135 $1,702
Liberty Mutual $7,484 $4,871 $4,505
Nationwide $2,725 $2,305 $2,158
Progressive $3,918 $3,466 $3,267
State Farm $3,270 $1,951 $1,512
Travelers $3,443 $2,917 $2,915
USAA $2,275 $1,504 $1,290

Cheapest Topeka, IN 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, IN to rates for a clean record with top companies.

Annual Topeka, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,280 $4,815 $4,449 $3,910
American Family $2,399 $3,832 $4,841 $2,858
Farmers $3,170 $3,704 $3,811 $3,502
GEICO $1,407 $2,204 $2,974 $1,954
Liberty Mutual $4,435 $5,191 $7,987 $4,868
Nationwide $2,063 $2,654 $2,545 $2,321
Progressive $2,665 $4,657 $3,178 $3,704
State Farm $2,193 $2,397 $2,193 $2,193
Travelers $2,628 $3,243 $3,675 $2,820
USAA $1,279 $1,817 $2,080 $1,583

Cheapest Topeka, IN Car Insurance for Teen Drivers

Teen car insurance in Topeka, IN 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, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,802 $9,802
American Family $5,962 $8,663
Farmers $8,607 $9,162
GEICO $4,269 $3,981
Liberty Mutual $8,444 $12,786
Nationwide $4,271 $5,546
Progressive $8,866 $9,990
State Farm $4,135 $5,303
Travelers $6,876 $10,927
USAA $2,967 $3,326

Cheapest Topeka, IN Car Insurance for Seniors

Take a look at Topeka, IN 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, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,235 $2,444
American Family $1,970 $1,970
Farmers $1,388 $1,558
GEICO $1,360 $1,403
Liberty Mutual $3,505 $3,505
Nationwide $1,307 $1,395
Progressive $1,374 $1,381
State Farm $1,235 $1,235
Travelers $1,049 $1,051
USAA $1,005 $1,018

Cheapest Topeka, IN Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Topeka, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,449
American Family $4,841
Farmers $3,811
GEICO $2,974
Liberty Mutual $7,987
Nationwide $2,545
Progressive $3,178
State Farm $2,193
Travelers $3,675
USAA $2,080

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Cheapest Topeka, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Topeka, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,114 $4,114
American Family $3,441 $3,525
Farmers $3,547 $3,547
GEICO $2,096 $2,173
Liberty Mutual $5,469 $5,771
Nationwide $2,396 $2,396
Progressive $3,551 $3,551
State Farm $2,181 $2,308
Travelers $3,092 $3,092
USAA $1,667 $1,712

The Best Cheap Car Insurance Companies in Topeka, IN

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

Average Annual Car Insurance Rates by Company in Topeka, Indiana

Insurance Company Average Annual Rates
Allstate $4,114
American Family $3,483
Farmers $3,547
GEICO $2,135
Liberty Mutual $5,620
Nationwide $2,396
Progressive $3,551
State Farm $2,244
Travelers $3,092
USAA $1,690

Category Winners: Cheapest Car Insurance in Topeka, Indiana

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

Best Annual Car Insurance Rates by Company in Topeka, Indiana

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

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Cheapest Topeka, IN 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, IN car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Topeka, Indiana

Insurance Company Low Medium High
Allstate $3,937 $4,100 $4,304
American Family $3,456 $3,598 $3,394
Farmers $3,426 $3,539 $3,676
GEICO $2,007 $2,129 $2,268
Liberty Mutual $5,445 $5,607 $5,809
Nationwide $2,433 $2,377 $2,378
Progressive $3,354 $3,495 $3,802
State Farm $2,149 $2,243 $2,341
Travelers $3,021 $3,121 $3,133
USAA $1,625 $1,685 $1,759

What affects car insurance rates in Topeka, Indiana?

What factors can have an impact on Topeka, IN 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, Indiana.

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, IN is 20.6 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, IN traffic data from INRIX ranks Topeka as the 1005th-most congested in the world.

Compare Car Insurance Quotes in Topeka, IN

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

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Average Monthly Car Insurance Rates by State