Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The annual number of car thefts in Topeka is 736.
  • Average car insurance rates in Topeka, KS for senior drivers are $1,895/year
  • The cheapest car insurance company in Topeka for teen drivers is American Family

Average car insurance rates in Topeka, Kansas are $278 a month. But with a little research you can get a great deal from the top car insurance companies in Topeka, KS. Before you buy Topeka, Kansas car insurance, make sure your coverage meets or exceeds the Kansas minimum of 25/50/25.

It may even be helpful to compare Topeka car insurance rates with Salina car insurance rates, Manhattan car insurance rates, or Lawrence car insurance rates to make sure you’re getting the best Topeka, KS car insurance quotes available.

Need affordable Topeka, KS car insurance? Enter your ZIP code to compare Topeka car insurance quotes from multiple car insurance companies near you.

Topeka, KS Minimum Car Insurance Coverage

Topeka, Kansas law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

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

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Topeka, KS Car Insurance Rates by Coverage Level

Some Topeka drivers can get by with the Kansas minimum coverage of 25/50/25. Other drivers may need more. See how much your Topeka, Kansas car insurance rates may be based on the coverage you need.

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

Topeka, KS Car Insurance Rates by Age, Gender, and Marital Status

Topeka, Kansas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Topeka, KS car insurance, get quotes from multiple car insurance companies in the Topeka area and see how these criteria affect your 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

Topeka, KS Car Insurance Rates for Teens

How much is Topeka, Kansas car insurance for teens? Compare rates from top Topeka car insurance companies below to help find the cheapest teen car insurance in Topeka, KS.

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

Topeka, KS Car Insurance Rates for Seniors

Before seniors buy Topeka, Kansas car insurance, they should make sure to shop around. Some Topeka, KS car insurance companies may offer discounts or other savings options for senior car insurance.

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

Topeka, KS Car Insurance Rates by Credit History

How does your credit history affect Topeka, KS car insurance rates? Review the numbers here to find out.

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

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Topeka, KS Car Insurance Rates by Driver History

How does a single speeding ticket affect your Topeka, Kansas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Topeka.

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

Topeka, KS Car Insurance Rates With a DUI

Even a single DUI can increase your Topeka, KS car insurance rates. Compare rates below to see which Topeka car insurance company has the best rates for drivers with a DUI.

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

Topeka, KS Car Insurance Rates by ZIP Code

Just like Topeka car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Topeka, KS car insurance rates fluctuate by ZIP code.

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

Topeka, KS Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Topeka, KS car insurance rates may be. Let’s take a look at average car insurance rates from top Topeka companies based on commute time.

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

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Topeka, KS Cheapest Car Insurance Rates

How do the top Topeka, Kansas car insurance companies’ average rates stack up against the Topeka average monthly car insurance rates of $278? Take a look and see.

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

Topeka, KS Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Topeka, Kansas car insurance companies to help you find one that best fits 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

Other Factors Affecting Topeka, KS Car Insurance Rates

Before you buy Topeka, Kansas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Topeka, KS Car Theft Rates

The car theft rate in Topeka, KS will affect your car insurance rates. FBI data shows that the annual car theft rate for Topeka, Kansas is 736 stolen cars.

Topeka, KS Commute Time

How does your Topeka, KS commute time compare with the average driver? In Topeka, the average commute is 17.2 minutes.

Topeka, KS Traffic

Spending time in Topeka traffic can lead to higher car insurance rates. According to INRIX data, Topeka, KS ranks as the 1005th-most congested with traffic in the world.

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Topeka, KS Car Insurance Quotes

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