Compare Topeka, KS Car Insurance Rates (2021)

Car insurance in Topeka, KS averages $278 a month. Topeka, Kansas 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, KS.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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, KS are $3,335/year
  • Average car insurance rates in Topeka, KS after a DUI are $4,000/year
  • The cheapest car insurance company in Topeka for teen drivers is American Family

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

You’ll find Topeka car insurance rates, the cheapest Topeka, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Topeka, Kansas car insurance rates to Overland Park car insurance rates, Manhattan car insurance rates, and Topeka car insurance rates.

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

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

How do age, gender, and marital status affect Topeka, KS car insurance rates? Every Topeka, Kansas 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, Kansas

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 $2,415 $2,335 $2,175 $2,232 $6,799 $7,638 $2,458 $2,538
American Family $1,543 $1,543 $1,396 $1,396 $3,096 $3,734 $1,543 $1,748
Farmers $2,565 $2,540 $2,286 $2,394 $7,272 $7,525 $2,899 $3,043
GEICO $2,412 $2,356 $2,439 $2,270 $4,671 $6,351 $2,885 $2,038
Liberty Mutual $2,192 $2,365 $2,135 $2,385 $10,914 $12,188 $2,358 $2,540
Nationwide $1,768 $1,813 $1,579 $1,695 $3,889 $4,735 $2,089 $2,221
Progressive $2,475 $2,339 $2,001 $2,089 $9,547 $10,759 $2,934 $3,157
State Farm $1,678 $1,678 $1,498 $1,498 $4,921 $6,207 $1,896 $2,175
Travelers $2,003 $2,035 $1,975 $1,993 $8,347 $13,038 $2,057 $2,395
USAA $1,336 $1,347 $1,237 $1,231 $4,865 $5,054 $1,778 $1,832

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Minimum Car Insurance in Topeka, KS

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

Minimum Required Car Insurance Coverage in Topeka, Kansas

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, KS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Topeka, KS. 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, Kansas

Insurance Company Poor Fair Good
Allstate $4,417 $3,372 $2,932
American Family $2,613 $1,842 $1,544
Farmers $4,477 $3,587 $3,382
GEICO $4,939 $2,611 $1,983
Liberty Mutual $4,635 $4,635 $4,635
Nationwide $2,725 $2,431 $2,265
Progressive $5,028 $4,260 $3,950
State Farm $3,922 $2,344 $1,815
Travelers $4,874 $3,986 $3,831
USAA $3,166 $2,102 $1,737

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

Annual Topeka, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,067 $3,578 $4,188 $3,463
American Family $1,962 $2,112 $1,962 $1,962
Farmers $3,208 $4,146 $4,040 $3,869
GEICO $2,019 $3,278 $5,007 $2,406
Liberty Mutual $3,458 $5,282 $5,181 $4,617
Nationwide $1,880 $2,152 $3,725 $2,137
Progressive $4,064 $4,787 $4,260 $4,539
State Farm $2,469 $2,919 $2,694 $2,694
Travelers $3,059 $4,020 $5,565 $4,277
USAA $1,698 $2,311 $3,382 $1,949

Cheapest Topeka, KS Car Insurance for Teen Drivers

Teen car insurance in Topeka, KS 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, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,799 $7,638
American Family $3,096 $3,734
Farmers $7,272 $7,525
GEICO $4,671 $6,351
Liberty Mutual $10,914 $12,188
Nationwide $3,889 $4,735
Progressive $9,547 $10,759
State Farm $4,921 $6,207
Travelers $8,347 $13,038
USAA $4,865 $5,054

Cheapest Topeka, KS Car Insurance for Seniors

Take a look at Topeka, KS 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, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,175 $2,232
American Family $1,396 $1,396
Farmers $2,286 $2,394
GEICO $2,439 $2,270
Liberty Mutual $2,135 $2,385
Nationwide $1,579 $1,695
Progressive $2,001 $2,089
State Farm $1,498 $1,498
Travelers $1,975 $1,993
USAA $1,237 $1,231

Cheapest Topeka, KS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Topeka, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,188
American Family $1,962
Farmers $4,040
GEICO $5,007
Liberty Mutual $5,181
Nationwide $3,725
Progressive $4,260
State Farm $2,694
Travelers $5,565
USAA $3,382

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Cheapest Topeka, KS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Topeka, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,574 $3,574
American Family $1,975 $2,025
Farmers $3,815 $3,815
GEICO $3,112 $3,243
Liberty Mutual $4,635 $4,635
Nationwide $2,474 $2,474
Progressive $4,413 $4,413
State Farm $2,627 $2,761
Travelers $4,230 $4,230
USAA $2,269 $2,400

Cheapest Topeka, KS Car Insurance Rates by ZIP Code

Topeka car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Topeka, KS.

Annual Car Insurance Rates by ZIP Code in Topeka, Kansas

ZIP Code Average Annual Rates
66603 $3,569
66604 $3,552
66605 $3,583
66606 $3,559
66607 $3,586
66608 $3,563
66609 $3,554
66610 $3,496
66611 $3,548
66612 $3,550
66614 $3,495
66615 $3,480
66616 $3,611
66617 $3,553
66618 $3,531
66619 $3,543
66621 $3,559
66683 $3,693

The Best Cheap Car Insurance Companies in Topeka, KS

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

Average Annual Car Insurance Rates by Company in Topeka, Kansas

Insurance Company Average Annual Rates
Allstate $3,574
American Family $2,000
Farmers $3,815
GEICO $3,178
Liberty Mutual $4,635
Nationwide $2,474
Progressive $4,413
State Farm $2,694
Travelers $4,230
USAA $2,335

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Category Winners: Cheapest Car Insurance in Topeka, Kansas

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

Best Annual Car Insurance Rates by Company in Topeka, Kansas

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

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

Annual Car Insurance Rates by Coverage Level in Topeka, Kansas

Insurance Company Low Medium High
Allstate $3,468 $3,566 $3,687
American Family $2,011 $2,101 $1,888
Farmers $3,654 $3,794 $3,999
GEICO $3,081 $3,174 $3,278
Liberty Mutual $4,506 $4,622 $4,776
Nationwide $2,593 $2,449 $2,378
Progressive $4,159 $4,376 $4,703
State Farm $2,585 $2,702 $2,795
Travelers $4,000 $4,238 $4,454
USAA $2,242 $2,328 $2,435

What affects car insurance rates in Topeka, Kansas?

What factors can have an impact on Topeka, KS 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, Kansas.

Car Theft in Topeka

High levels of vehicle theft can make car insurance more expensive. Topeka, KS car theft statistics from the FBI indicate 736 vehicle thefts a year.

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, KS is 17.2 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, KS traffic data from INRIX ranks Topeka as the 1005th-most congested in the world.

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Compare Car Insurance Quotes in Topeka, KS

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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