Cheapest Car Insurance In Topeka, KS 2025
Topeka drivers can find the lowest minimum coverage rates with Auto-Owners, paying about $34 per month on average.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re comparing car insurance prices in Topeka, KS, you’ll find a big difference in the available options.
For liability-only insurance, Auto-Owners is the most cost-effective choice. If you’re looking for full coverage, American Family has the best rates, and young drivers will find the lowest prices with Travelers.
Cheapest Car Insurance Companies In Topeka, KS 2025







Cheapest Full Coverage Insurance Rates In Topeka: American Family
Drivers in Topeka can get full coverage car insurance from American Family for an average of $74 a month, making it the cheapest option.
The table below outlines average auto insurance rates from affordable companies in Topeka.
Provider | Average Monthly Cost | Average Annual Cost |
American Family | $74 | $888 |
Auto-Owners | $80 | $960 |
Nationwide | $93 | $1,116 |
State Farm | $108 | $1,296 |
Shelter | $91 | $1,092 |
Cheapest Liability-only Car Insurance In Topeka: Auto-Owners
Topeka drivers can get the lowest minimum coverage car insurance from Auto-Owners, paying an average of $34 per month.
Check out the table below to compare the rates offered by different insurance companies.
Provider | Average Monthly Cost | Average Annual Cost |
Auto-Owners | $34 | $408 |
Iowa Farm Bureau | $39 | $468 |
State Farm | $43 | $516 |
American Family | $44 | $528 |
GEICO | $46 | $552 |
Cheapest Car Insurance Rates For Seniors: American Family
For seniors in Topeka, American Family offers the cheapest car insurance, averaging $56 per month.
The table below outlines average quotes from affordable auto insurance companies for seniors.
Provider | Average Monthly Cost | Average Annual Cost |
American Family | $56 | $672 |
Shelter | $58 | $696 |
State Farm | $69 | $828 |
Auto-Owners | $60 | $720 |
Progressive | $75 | $900 |
Cheapest Rates In Topeka For Teenagers: Travelers
In Topeka, teenage drivers can find the best deals with Travelers, averaging $163 per month in premiums.
The table below outlines the companies with the most budget-friendly insurance rates for teenagers.
Provider | Average Monthly Cost | Average Annual Cost |
Travelers | $163 | $1,956 |
Auto-Owners | $222 | $2,664 |
Allstate | $178 | $2,136 |
State Farm | $174 | $2,088 |
Progressive | $230 | $2,760 |
Cheapest Auto Insurance For Young Adults in Topeka: Travelers
Travelers offers the most cost-effective quotes for young adults in Topeka, averaging $68 per month.
You can refer to the table below to compare the lowest auto insurance rates for young adults in Topeka.
Provider | Average Monthly Cost | Average Annual Cost |
Travelers | $68 | $816 |
Auto-Owners | $74 | $888 |
State Farm | $94 | $1,128 |
Allstate | $96 | $1,152 |
Progressive | $99 | $1,188 |
Cheapest Car Insurance In Topeka For Good Drivers: Auto-Owners
Auto-Owners has the lowest car insurance rates for good drivers in Topeka, at an average of $34 per month.
If you’re a good driver, the table below provides average quotes from the cheapest insurance providers.
Provider | Average Monthly Cost | Average Annual Cost |
Auto-Owners | $34 | $408 |
Iowa Farm Bureau | $39 | $468 |
State Farm | $43 | $516 |
American Family | $44 | $528 |
GEICO | $46 | $552 |
Find affordable Topeka rates
Cheapest Car Insurance In Topeka After A Speeding Ticket: State Farm
State Farm provides some of the most affordable insurance rates in Topeka, with an average of $107 monthly for drivers who have a speeding ticket on their record.
Refer to the table below to find average rates for drivers with a speeding ticket in their history.
Provider | Average Monthly Cost | Average Annual Cost |
State Farm | $107 | $1,284 |
Iowa Farm Bureau | $158 | $1,896 |
Travelers | $119 | $1,428 |
Progressive | $155 | $1,860 |
American Family | $109 | $1,308 |
Cheapest Rates In Topeka For Drivers After A DUI: Progressive
With an average monthly rate of $119, Progressive offers the lowest car insurance premiums for drivers with a DUI in Topeka.
Provider | Average Monthly Cost | Average Annual Cost |
Progressive | $119 | $1,428 |
Travelers | $137 | $1,644 |
State Farm | $120 | $1,440 |
Farmers | $152 | $1,824 |
American Family | $123 | $1,476 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
If you’ve had an at-fault accident, Auto-Owners provides the cheapest car insurance, with average rates of $96 per month.
These are the car insurance providers offering the most affordable rates for drivers with an at-fault accident.
Provider | Average Monthly Cost | Average Annual Cost |
Auto-Owners | $96 | $1,152 |
Travelers | $111 | $1,332 |
State Farm | $129 | $1,548 |
Iowa Farm Bureau | $184 | $2,208 |
American Family | $98 | $1,176 |
Best Car Insurance Companies In Topeka
Topeka drivers looking for affordable insurance can choose Auto-Owners for $34 a month, or consider Travelers at $36 or Iowa Farm Bureau at $39 per month.
Shown below are the top 10 auto insurance providers in Topeka, KS, ranked by their average monthly fees.
Company | Monthly Premium |
Auto-Owners | $34 |
Iowa Farm Bureau | $39 |
State Farm | $43 |
American Family | $44 |
GEICO | $46 |
Travelers | $36 |
Shelter | $42 |
Farmers Union Insurance | $47 |
Progressive | $45 |
Root | $63 |
Average Auto Insurance Rates In Topeka – By Age
Insurance premiums are largely based on age, with younger drivers typically paying more because of their lack of experience and higher risk of accidents. Teenagers often pay about $2,567 a year for car insurance.
As drivers approach 25, their insurance costs tend to decrease, provided their driving record remains clean.
Insurance providers typically offer the most competitive rates to drivers in their 50s and early 60s, as age is used to evaluate driving experience and risk, influencing premium costs.
Age | Average Yearly Rate |
Teenagers | $2,567 |
20s | $1,752 |
30s | $1,241 |
40s | $1,171 |
50s | $1,036 |
60s | $1,021 |
70s | $1,239 |
Average Cost Of Auto Insurance In Topeka – By Zip Code
Zip codes help insurance companies determine crime risks in specific areas, which leads to varying insurance rates across different zip codes.
The following table provides the average insurance rates for different zip codes in Topeka.
Zip Code | Average Monthly Rate |
66614 | $107 |
66605 | $104 |
66604 | $112 |
66603 | $108 |
66610 | $153 |
How Much Is Car Insurance In Other Cities in Kansas?
Living in a city can raise your car insurance rates, as insurers evaluate risks such as accidents, vehicle theft, and vandalism, which tend to be more prevalent in urban areas, resulting in higher premiums.
For example, car insurance in Los Angeles averages $243 per month, while in San Diego, it’s about $176 monthly.
City | Average Monthly Rate |
Wichita | $137 |
Shawnee | $123 |
Leawood | $106 |
Lenexa | $129 |
Olathe | $122 |
Overland park | $127 |
Lawrence | $131 |
Salina | $98 |
Liberal | $164 |
Mission | $107 |
Average Rates In Topeka – By Vehicle
Your car’s make, model, year, and body type are all taken into account by insurers when determining your rates. Typically, newer cars, especially luxury ones with advanced technology and high replacement costs, come with higher premiums.
Refer to the table below to see the average insurance rates in Topeka for various vehicles.
Vehicle | Average Monthly Rate |
Nissan Titan | $80 |
Dodge Charger | $138 |
Honda Pilot | $69 |
KIA soul | $364 |
Ford Transit Connect | $152 |
Find affordable Topeka rates
Our Methodology
By analyzing elements like customer service, product availability, pricing, and various online reviews, I’ve created a thorough overview of the car insurance market in Topeka, KS.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Topeka?
Auto-Owners leads with the lowest rates for minimum coverage in Topeka, while American Family offers the most competitive full coverage rates, including comprehensive and collision protection.
What is the average cost of car insurance in Topeka?
Topeka residents can expect an average car insurance cost of $110 per month, with variations based on factors like zip code, vehicle year and model, and driving record.