Average renters insurance cost in Topeka, KS

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Renters insurance in Topeka, costs $234 per year for $40,000 in personal property, $300,000 in liability and a $1,000 deductible, which is $4 less than the state average of $238 annually.

Your renters insurance premium could be higher or lower depending on the coverage and liability limits you select. Purchasing renters insurance is a good idea, as it helps protect your personal property from damage or loss due to events like fire, smoke, theft and vandalism.

Want to know who has the most affordable rates? Here are the most affordable renters insurance companies in Topeka.

Key Takeaways

The average cost of renters insurance in Topeka is $234 annually or $19 monthly.
The cheapest option for renters in Topeka is Allstate, offering coverage at $14 per month.
Renters can reduce their insurance costs by taking advantage of discounts, such as installing a security system or bundling policies.

What is the average cost of renters insurance per month in Topeka?

On average, renters insurance costs in Topeka are $19 per month. It’s $1 less than the state average of $20. Renters in Topeka pay these rates for a coverage limit of $40,000 in personal property coverage, $1,000 deductible, and $300,000 in liability protection coverage.

Renters insurance rates can vary by city based on your insurer and the amount of coverage you choose. In Topeka, for example, renters pay around $14 per month for $20,000 in personal property coverage with a $1,000 deductible. If you increase your coverage to $40,000, the monthly premium goes up by $5.

If you own high-value items like jewelry, electronics, or designer furniture, it’s a good idea to consider higher coverage limits to make sure you’re fully protected.

How much is renters insurance in Topeka by deductible?

The average cost of renters insurance in Topeka is $179 annually for a $500 deductible and $20,000 in personal property coverage

Your deductible is the amount you must pay out of pocket before your insurance kicks in. If you raise your deductible, your premiums will decrease. For example, if you maintain $20,000 in personal property coverage but increase your deductible from $500 to $1,000, you’ll save $16 annually on your insurance.

Below, you’ll find average renters insurance premiums for different personal property coverage and deductible amounts.

Deductible	$20,000 personal property	$40,000 personal property	$60,000 personal property
$500	$179	$260	$338
$1,000	$163	$234	$303

Note: Liability coverage is set at $100,000.

Who offers cheap renters insurance in Topeka?

Your search for the cheapest renters insurance company ends here.

Allstate offers the cheapest renters insurance in Topeka at $162 a year or $14 per month. According to our data, State Farm ranks second on our list followed by Iowa Farm Bureau.

Below are the average annual and monthly rates of the cheap renters insurance companies in Topeka.

Renter insurance provider	Average annual rate	Average per month rate
Allstate	$162	$14
State Farm	$163	$14
Iowa Farm Bureau	$179	$15
Shelter Insurance	$207	$17
Auto-Owners	$220	$18
Nationwide	$251	$21
Farmers	$274	$23
Marysville Mutual	$306	$26
American Family	$325	$27

How to lower the cost of renters insurance

Follow these tips to reduce the cost of your renters insurance in Topeka:

Bundle policies. If you have other insurance policies, such as car insurance, consider bundling them with the same company. Many insurers in Topeka provide discounts for bundled policies.

Increase your deductible. A higher deductible can lower your premium in Topeka, but make sure you’re comfortable with the potential out-of-pocket costs if you file a claim.

Choose the right coverage amount. Review your renters insurance policy regularly to ensure you aren’t paying for unnecessary coverage, such as excess personal property coverage if you don’t own many valuables.

Avoid filing too many claims. Filing frequent small claims can increase your rates. It might be worth paying for minor damages out-of-pocket instead of using your insurance.
Compare quotes. Don’t accept the first quote you get. Shop around and compare renters insurance rates from different insurers in Topeka to find the best deal.

Renters in Topeka should purchase renters insurance to protect their belongings and financial health. The cost of coverage varies based on your location, coverage limits and individual circumstances. To find the best deal, evaluate your coverage needs, compare quotes from different providers and take advantage of any available discounts.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Topeka in 2023 for $40,000 personal property coverage, $300,000 liability coverage, and a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.