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.
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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.
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.
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.
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.
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.
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.
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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.
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.
USAA has the lowest insurance rates in the state, at $903 per year for full coverage.
Many states allow gender as a consideration when determining insurance rates, but Kansas isn’t one of them.
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.
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.
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.