The best car insurance in Topeka, KS

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

The average cost of a full coverage insurance policy in Topeka is $1,550 per year. Compared to the state average of $1,604, Topeka drivers pay $54 less than the state average of Kansas. Car insurance is determined by various factors, including your age, location, and driving record. To ensure you’re getting the best possible price on car insurance, comparing rates from top companies is ideal.

Ready to shop car insurance?

Start calculator

Policygenius can help you see offers from top companies and find affordable protection that works within your budget.

Key Takeaways

  • USAA has the lowest average car insurance rates in Topeka for full coverage.

  • The ZIP code with the most expensive rates in Topeka is 66624, with yearly rates of $1,687.

  • The minimum liability car insurance requirements in Kansas are $25,000 per person / $50,000 per accident in bodily injury liability and $25,000 in property damage liability.

  • Uninsured/underinsured motorist coverage and personal injury protection are also required.

Cheapest car insurance companies in Topeka, KS

Insurance companies all use the same information to set insurance premiums. But data such as your location, driving history, and type of car you drive are weighed differently by insurers to calculate your rates.

Company

Average cost

JD Power Rating

USAA

$903

890

GEICO

$1,014

871

State Farm

$1,061

881

Auto-Owners Insurance

$1,219

890

Nationwide

$1,269

876

Cheapest car insurance rates by ZIP code in Topeka, KS

Insurance companies look at statistics like stolen vehicles, speeding tickets, and accidents in a neighborhood and set rates accordingly. If you live in a ZIP code with a high crime rate, your car insurance rates will typically be higher than someone who lives in a statistically safer neighborhood.

ZIP code

Average cost

66603

$1,571

66604

$1,546

66605

$1,559

66606

$1,566

66607

$1,573

66608

$1,532

66609

$1,551

66610

$1,499

Choosing the right car insurance company in Topeka, KS

Car insurance is required if you own and plan to drive a vehicle in Topeka. While insurance is necessary, selecting the right car insurance provider is essential. You want to make sure you’re getting the coverage that fits your needs at a price you can afford.

Policygenius can help you see quotes from top companies. Answer a few questions and let our insurance experts do the rest. Then, we can help you find the best coverage with flexible payment options with a company you can trust.

Car insurance rates for drivers with driving violations in Topeka, KS

Your driving record can influence how much you pay for car insurance. If you have a history of speeding tickets, then you probably already pay more for car insurance. More serious driving violations can increase your premiums even more, and multiple citations can drive up your rates substantially.

Violation

USAA

GEICO

State Farm

Auto-Owners Insurance

Nationwide

At-fault accident

$1,348

$2,022

$1,258

$1,594

$2,132

DUI

$2,261

$3,815

$1,170

$2,794

$2,746

Suspended license

$2,133

$1,350

$1,170

$2,794

$2,746

Open container

$1,306

$1,350

$1,170

$1,461

$1,596

Expired registration

$1,171

$1,102

$1,170

$1,229

$1,596

Driving without lights

$1,171

$1,350

$1,170

$1,346

$1,596

Not showing documents

$1,171

$1,102

$1,170

$1,229

$1,596

Running a red light

$1,171

$1,350

$1,170

$1,346

$1,596

Cheapest car insurance for drivers with bad credit in Topeka, KS

Many states, including Kansas, use your credit report to help determine your car insurance rates. You may be able to lower your car insurance rates if you improve your credit score.

Company

Rates for drivers with bad credit

GEICO

$1,575

USAA

$1,704

Nationwide

$1,807

Auto-Owners Insurance

$2,155

Iowa Farm Bureau

$2,264

Ready to shop car insurance?

Start calculator

Buying car insurance in Topeka, KS

Because of the law in Kansas, drivers in Topeka must have the following types of auto insurance:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $25,000

  • Personal injury protection (PIP): $4,500 per accident

  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

Kansas is a no-fault state when it comes to car accidents. What this means is that each driver involved in the car wreck will be covered by their own insurance company. Make sure your coverage is enough for you needs, as many people find they need more than the state minimum.

How to get cheap car insurance in Topeka, KS

To help lower insurance costs, insurance companies offer a variety of discounts. Here are some of the most common, including:

  • Bundling your policies: The combining of home, life, and auto insurance policies with the same company can result in a discount for some or all of those policies.

  • Install anti-theft devices: You may get a discount if your vehicle has certain safety features.

  • Ask about discounts: For active-duty service members, veterans, and their families, a discount may be available. The good-student discount is for young drivers enrolled in high school or college who maintain a B average. Drivers with no accident claims may also get a discount.

  • Shop around: When your policy is up for renewal, reshopping your coverage may result in lower rates.

Discounts vary by company, and you might not qualify for any of them, so be sure to ask your provider about other ways to lower your insurance.

Frequently asked questions

Who has the lowest car insurance rates in Topeka?

USAA has the lowest insurance rates in the state, at $903 per year for full coverage.

Does gender affect my insurance rates?

Many states allow gender as a consideration when determining insurance rates, but Kansas isn’t one of them.

I heard insurance rates go down at age 25, but mine didn’t. Why not?

If you live in a bad neighborhood, drive an expensive car, or have blemishes on your driving history, your insurer considers you riskier to insure and won’t lower your rates.

I got arrested for DUI. How much will my insurance go up?

A DUI conviction can land you in jail and raise your car insurance premium. Depending on your insurer, a drunk driving arrest can double or even triple your insurance rates.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.