Topeka, KS Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Topeka.
How much does car insurance cost in Topeka?
The average cost of car insurance in Topeka, is $768 every six months. That's cheaper than the average in Kansas ($811) and less expensive than the national average of $880. Read on to learn more about how much you can expect to pay based on age, credit score, and other factors in Topeka. Read on to learn more!
| Car insurance in Topeka vs. Kansas | Average 6 Mo. Premium |
|---|---|
| Topeka average | $768 |
| Kansas average | $811 |
The Zebra's key takeaways about car insurance in Topeka:
- The average cost of a car insurance policy in Topeka is $768 per six-month policy — $128 per month.
- The cheapest company in Topeka is Iowa Farm Bureau ($550).
- 33% of Zebra customers in Topeka stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Topeka car insurance rates by company
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the insurer from which you receive the most affordable quote. For a typical driver, Iowa Farm Bureau offers Topeka's most affordable premiums. Reference below the top options for affordable insurance in Topeka. Don't forget to get car insurance quotes based on your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| Iowa Farm Bureau | $550 |
| State Farm | $562 |
| American Family | $587 |
| Progressive | $831 |
| Allstate | $879 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Topeka.
Topeka auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 32% of Topeka drivers. The age group that pays the least for car insurance in Topeka are drivers in their 50s ($646 per six-month period). Those in their 60s don't pay significantly more ($652).
Teenage drivers pay Topeka's most expensive auto insurance rates. When drivers in their 20s in Topeka move out of the teenage age bracket, they substantially reduce their premiums. In Topeka, teenage drivers pay $2,702 for six months: $4,099 more than the second-most expensive rate an age group pays.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $2702 |
| 20s | $1,052 |
| 30s | $749 |
| 40s | $716 |
| 50s | $646 |
| 60s | $652 |
| 70s | $768 |
Topeka car insurance rates by credit score
It's no secret credit score is closely correlated with car insurance rates. Topeka drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 54% decrease in their auto insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Topeka, improving your credit to "Fair" corresponds with a $507 decrease in six-month car insurance rates.  Our data tells us 37% of drivers in Topeka have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $1,415 |
| Fair | $909 |
| Good | $768 |
| Very Good | $706 |
| Exceptional | $646 |
Topeka car insurance rates by violation
No matter where you live, steering clear of accidents and citations is the best way to reduce your auto insurance premiums. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Topeka drivers found guilty of reckless driving face insurance rate increases of $548 per year, compared to the citywide average. A DUI violation may lead to a $599 increase, while a citation for speeding leads to a $282 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $1,068 |
| Reckless Driving | $1,043 |
| At-fault Accident (damages less than $1,000) | $948 |
| At-fault Accident (damages greater than $2,000) | $1,098 |
| Speeding Ticket (16-20 mph over speed limit) | $909 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.