Average car insurance cost in Topeka, KS

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According to data from Insure.com, the average annual cost of car insurance in Topeka, Kansas is $1,788. The auto insurance rates in Topeka is $112 less than the state average and $107 less than the national average.

Car insurance premiums vary significantly based on where they are filed. Factors such as city demographics, population density and average resident age, accident rates, theft, and vandalism rates will influence the amount of premiums you pay.

This article talks in detail about the most affordable car insurance companies in Topeka, the average car insurance rates by age and gender, and how much car insurance cost in Topeka depending on coverage limits. Whether you’re a new driver or an experienced one, this article will help you to find the most affordable car insurance in Topeka. Keep reading to learn more.

Cheap car insurance companies in Topeka

At an average of $1,172 per year with full coverage limits of 100/300/100, Nationwide provides the most affordable car insurance in Topeka.

Ranked as the second most affordable company in Topeka, Geico provides car insurance at $1,464 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Topeka that align with your needs before selecting a policy.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Topeka, Kansas:

Read about the best car insurance companies.

Average car insurance cost in Topeka by coverage limits

The average car insurance rates in Topeka by coverage type are as follows:

• State minimum coverage: $478 per year (limits of 25/50/25)
• Liability-only coverage: $516 per year (limits of 50/100/50)
• Full coverage: $1,788 per year (limits of 100/300/100)
• Non-owners coverage: $305 per year

In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.

It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Topeka

The average car insurance rate for a female driver in Topeka, Kansas, is $1,789 per year.

While the rate for a male driver is $1,787 per year, which is $2 less than what female drivers pay, according to a rate analysis by Insure.com.

Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Topeka

In Topeka, teenagers have the highest car insurance rates, at $5,775 per year or $481 per month. This higher rate is attributed to the increased risk of road accidents among teenagers (aged 16 to 19) due to their limited experience on the road, according to the Insurance Information Institute.

However, there are driving laws for teens to improve their driving habits. Additionally, the cost of teen insurance can be reduced by adding them to a parent’s auto insurance policy. As teens mature and establish a positive driving history, their car insurance rates are likely to decrease.

Young adults, pay an average of $2,868 annually for car insurance, which is $2,907 less than what the teens pay for their insurance policy.

Meanwhile, adult, and senior drivers in Topeka have car insurance rates of $1,765 and $1,677 per year, respectively. The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below shows the average annual rates for drivers of different age groups:

Car insurance rate trends in Topeka

Examining car insurance rate trends in Topeka, Kansas, we observe a upward trend from 2022 to 2023. Subsequently, from 2022 to 2023, the rates experienced increase overall, with an increase of 22% or $322.

The table below shows the trend for last four years:

Conclusion

Car insurance rates in Topeka are lower than the average rates in Kansas. Drivers in Topeka can secure affordable car insurance by shopping around and utilizing available discounts. Additionally, many insurance companies offer bundling discounts for customers who purchase multiple policies from the same provider.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.