Best car insurance in Topeka, KS (2024)

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Gianetta PalmerContributing WriterGianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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The average cost of a full coverage insurance policy in Topeka is $1,480 per year. Compared to the the state average in Kansas of $1,532, car insurance for Topeka drivers is $52 cheaper. 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?

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 at $903 per year.

  • The ZIP code with the cheapest rates in Topeka is 66618, with yearly rates of $1,409.

  • 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.

Methodology & why you can trust our rates

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.

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

$910

874

State Farm

$1,016

882

Nationwide

$1,046

868

Travelers

$1,225

854

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

66618

$1,409

66615

$1,424

66610

$1,426

66617

$1,439

66614

$1,456

66619

$1,463

66608

$1,465

66621

$1,471

66611

$1,477

66609

$1,480

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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

Nationwide

Travelers

At-fault accident

$1,348

$1,812

$1,176

$1,732

$1,759

DUI

$2,261

$3,417

$1,095

$2,217

$1,911

Suspended license

$2,133

$1,211

$1,095

$2,217

$1,911

Open container

$1,306

$1,211

$1,095

$1,308

$1,678

Expired registration

$1,171

$988

$1,095

$1,308

$1,678

Driving without lights

$1,171

$1,211

$1,095

$1,308

$1,319

Running a red light

$1,171

$1,211

$1,095

$1,308

$1,678

Following too closely

$1,171

$1,211

$1,095

$1,308

$1,678

Hit and run

$2,438

$3,417

$1,095

$2,217

$1,911

Not-at-fault accident

$958

$1,151

$1,036

$1,083

$1,319

Passing a school bus

$1,306

$1,211

$1,095

$1,308

$1,697

Reckless driving

$1,306

$2,391

$1,095

$2,217

$1,697

Speeding

$1,171

$1,211

$1,095

$1,308

$1,697

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Cheapest car insurance for drivers with a DUI in Topeka, KS

Company

Rates for drivers with DUIs

State Farm

$1,095

Travelers

$1,911

Nationwide

$2,217

USAA

$2,261

GEICO

$3,417

Cheapest car insurance for drivers with a speeding ticket in Topeka, KS

Company

Rates for drivers with speeding tickets

State Farm

$1,095

USAA

$1,171

GEICO

$1,211

Nationwide

$1,308

Travelers

$1,697

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

$1,412

Nationwide

$1,599

USAA

$1,704

Travelers

$2,231

Farm Bureau

$2,320

Ready to shop car insurance?

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.

How much is car insurance per month in Kansas?

The cost of car insurance in drivers in Kansas is $128 per month, or $1,532 per year.

Is Kansas an at-fault state or a no-fault state?

Kansas is a no-fault state, which means drivers file a claim with their own insurance company after an accident, no matter who is at fault.

Is PIP required in Kansas?

Yes, drivers in Kansas are required to to have PIP coverage, at least $4,500 per accident. This is because Kansas is a no-fault state.

Authors

Gianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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