Compare Topeka, KS Car Insurance Rates (2021)

The cheapest Topeka, KS car insurance is from American Family, but rates will vary by driver. Auto insurance in Topeka must meet the Kansas minimum requirements of 25/50/25 in liability, $4,500 in PIP, and 25/50 in uninsured/underinsured motorist coverages. Compare Topeka, KS car insurance quotes online to find your best deal.

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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: May 14, 2021

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Here's what you need to know...

  • American Family offers the cheapest car insurance on average in Topeka, KS
  • Topeka car insurance rates are cheaper than average
  • Drivers in Topeka don’t have a lot of traffic congestion to contend with

Topeka, KS car insurance is cheaper than the national average. It’s also cheaper than the Kansas car insurance average.

Even though rates are lower than average, you still want the most affordable Topeka, KS car insurance you can find. Compare rates from multiple companies to see who can offer you cheap car insurance that meets your needs.

Enter your ZIP code now to compare Topeka, KS car insurance quotes from multiple companies for free.

What is the cheapest car insurance company in Topeka, KS?

The cheapest Topeka, KS car insurance company is American Family, although rates will vary by driver.

The top Topeka, KS car insurance companies listed from least to most expensive are:

  • American Family – $1,999.80
  • USAA – $2,334.93
  • Nationwide – $2,473.77
  • State Farm – $2,693.95
  • GEICO – $3,177.65
  • Allstate – $3,573.76
  • Farmers – $3,815.48
  • Travelers – $4,230.40
  • Progressive – $4,412.52
  • Liberty Mutual – $4,634.69

Car insurance rates are affected by many different factors, such as your age and driving record.

Where you live and the size of your city affects your rates also. Cities with more crime and traffic will pay more for car insurance. For example, Wichita car insurance is much more expensive than coverage in Topeka.

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What car insurance coverage is required in Topeka, KS?

Kansas, like most other states, requires drivers to carry at least a minimum amount of car insurance. Topeka drivers must have:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • $4,500 in personal injury protection (PIP) coverage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

These minimums are very low and would be exhausted quickly in a serious accident, leaving you to pay out of pocket for anything not covered. Drivers should consider raising these limits and carrying additional coverages.

What affects car insurance rates in Topeka, KS?

It might surprise you to learn that the traffic in your city can affect your car insurance rates. A high volume of traffic can lead to more accidents, raising your rates.

INRIX ranks Topeka, KS as the 292nd most congested city in the U.S.

City-Data reports that most drivers in Topeka commute around 20 minutes and prefer to make the drive alone.

Theft can also raise your rates. According to the FBI, there were 768 motor vehicle thefts in one year in Topeka, KS.

Topeka, KS Car Insurance: The Bottom Line

Although Topeka auto insurance is cheaper than the national average, you still want to find the cheapest coverage out there. Before you buy Topeka, KS car insurance, compare quotes from several companies to see who can offer you the best deal.

Enter your ZIP code now to compare Topeka, KS car insurance rates from multiple companies near you.

Free Car Insurance Comparison

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

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