Best Cheap Auto Insurance in Topeka, KS (2021)

The average Topeka, KS auto insurance rates are $278 per month. The minimum auto insurance in Topeka is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Topeka, Kansas, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in Topeka is 17.2 minutes
  • The minimum auto insurance required in Topeka, Kansas is 25/50/25
  • The most expensive auto insurance company in Topeka for teen drivers is Liberty Mutual

Topeka, Kansas auto insurance requirements are 25/50/25 according to Kansas auto insurance laws. Finding cheap auto insurance in Topeka can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Topeka, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Topeka to other Kansas cities, including Lenexa auto insurance rates, Lawrence auto insurance rates, and Manhattan auto insurance rates to see how Topeka, Kansas auto insurance rates stack up.

Before you buy Topeka, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Topeka, Kansas auto insurance quotes.

Minimum Auto Insurance in Topeka, Kansas

Topeka, Kansas auto insurance laws require that you have at least the Kansas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Topeka, Kansas.

Minimum Required Auto 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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Cheap Topeka, Kansas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Topeka, Kansas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Topeka, Kansas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Topeka, Kansas is a challenge. Take a look at the annual teen auto insurance rates in Topeka, Kansas.

Annual Auto 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

Cheap Topeka, Kansas Auto Insurance for Seniors

What are senior auto insurance rates in Topeka, Kansas? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Topeka, Kansas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Topeka, Kansas compared to the annual auto insurance rates with a clean record in Topeka, Kansas.

Annual Topeka, Kansas Auto 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

Cheap Topeka, Kansas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Topeka, Kansas is not easy. Compare the annual rates for DUI auto insurance in Topeka, Kansas to find the best deal.

Annual Auto Insurance Rates After a DUI in Topeka, Kansas

Insurance Company Annual Auto 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

Cheap Topeka, Kansas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Topeka, Kansas annual auto insurance rates by credit history compare.

Annual Auto 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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Cheap Topeka, Kansas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Topeka, Kansas can vary. Compare the annual cost of auto insurance by ZIP code in Topeka, Kansas to see how car insurance rates are affected by location.

Annual Auto 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

Cheap Topeka, Kansas Auto Insurance Rates By Commute

Commute length and annual mileage affect Topeka, Kansas auto insurance. Find the cheapest annual Topeka, Kansas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Topeka, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Topeka, Kansas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Topeka, Kansas? Check out the comparison of annual Topeka, Kansas auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Topeka, Kansas

Compare the cheapest auto insurance companies in Topeka, Kansas in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Topeka, Kansas Auto Insurance Companies

What auto insurance companies in Topeka, Kansas are the cheapest? Compare the top Topeka, Kansas auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Topeka, Kansas?

There are a lot of reasons why auto insurance rates in Topeka, Kansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Topeka, Kansas. Many local factors may affect your Topeka auto insurance rates.

Topeka Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Topeka, Kansas auto theft statistics, there have been 736 auto thefts in the city.

Topeka Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Topeka, Kansas commute length is 17.2 minutes according to City-Data.

Topeka Traffic

How does Topeka, Kansas rank for traffic? According to Inrix Topeka, Kansas is the 1005th most congested worldwide.

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Compare Topeka, Kansas Auto Insurance Quotes

Before you buy Topeka, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Topeka, Kansas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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