Affordable Car Insurance Rates in Topeka, KS (2021)
Car insurance rates in Topeka, KS are $278/month on average. By law, Kansas drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Topeka car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- 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.
Table of Contents
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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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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