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.

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Updated: 06 February 2025
Written by Bob Phillips
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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 Car Insurance, Topeka, 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

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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.

The table below lists the cheapest car insurance options for Topeka drivers with a DUI.

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

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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.

107

Quotes Analyzed

31

Brands Reviewed

15+

Years Of Experience

30+

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.

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