Cheapest Car Insurance Quotes in Topeka
On average, auto insurance in Topeka costs about $86 per month for minimum coverage liability insurance and about $150 per month for full coverage insurance. Topeka drivers pay 14% less than the Kansas average.
Smart car insurance shoppers in Topeka turn to Jerry every month, because Jerry makes it easy for customers to compare and purchase affordable car insurance. Below are some of the cheapest car insurance quotes Jerry found for customers in Topeka.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $200 | 65 | 66614 | Honda Hr-V Ex | State Minimum | Yes |
| Bristol West | $90 | 45 | 66612 | Dodge Nitro Sxt | State Minimum | No |
| Bristol West | $73 | 27 | 66616 | Chevrolet Lumina | State Minimum | No |
| National General | $157 | 48 | 66607 | Hyundai Sonata Limited | State Minimum | No |
| Progressive | $73 | 52 | 66615 | Hyundai Veloster | 50/100 | Yes |
Best Car Insurance Companies in Topeka
The right car insurance company is different for everyone. The main reason is that every customer gets a different car insurance quote based on their unique profile.
By surveying over 15,000 policyholders, we discovered that when it comes to finding the best auto insurance company, the secret lies in uncovering the perfect match for your unique needs.
For some drivers, insurance giant State Farm is their cheapest car insurance company; for other drivers, it’s Farmers through and through. There’s no one-size-fits-all for the best car insurance, but you can find the best car insurance for you.
Companies that have established a strong presence in Kansas include Progressive, Travelers, Geico, American Family, and Allstate. At least one of these companies is sure to tick all your boxes.
The table below shows how drivers in Topeka rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.2 | 3.8 | 4 | 4.3 |
| Bristol West | 4.1 | 4.8 | N/A | 3.8 |
| Dairyland | 4.4 | 3.6 | N/A | 4.1 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Topeka
To legally hit the road, Topeka drivers need to meet Kansas’s minimum coverage limits for bodily injury liability and property damage liability. But minimum liability may not offer enough financial coverage in the event of an accident—so drivers in Topeka should consider purchasing full coverage for the best protection.
Cheap minimum liability insurance quotes in Topeka
To hit the road legally, Topeka drivers must meet Kansas minimum coverage limits.
Kansas minimum liability coverage includes $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability. These coverages are commonly known as 25/50/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.
Do you need more than minimum coverage in Topeka?
For most Topeka drivers, purchasing more liability coverage than the 25/50/25 state minimum mandated by Kansas car insurance laws is a very good idea.
If you cause an accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the replacement cost can be more than $40,000—well above that $25,000 property damage limit.
And remember, Kansas’ car accident laws allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident date.
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Topeka
Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your vehicle.
Full coverage includes comprehensive and collision insurance. Collision coverage covers the cost of fixing or replacing your car after an accident, while comprehensive coverage pays out if your vehicle is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters. If you have a loan on the vehicle, your lending agency will typically require both collision and comprehensive coverage.
On top of a full-coverage policy, you can choose to purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
The table below shows some recent examples of the cheapest Topeka full coverage quotes that Jerry’s agents helped our customers obtain.
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Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | Yes | Progressive | $200 | 65 | 66614 | Honda Hr-V Ex |
| State Minimum | No | Bristol West | $90 | 45 | 66612 | Dodge Nitro Sxt |
| State Minimum | No | Bristol West | $73 | 27 | 66616 | Chevrolet Lumina |
| State Minimum | No | National General | $157 | 48 | 66607 | Hyundai Sonata Limited |
| 50/100 | Yes | Progressive | $73 | 52 | 66615 | Hyundai Veloster |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
Jerry, a top insurance agency, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Topeka
Jerry has helped countless drivers in Topeka find car insurance. Through this process, we discovered that the average cost for minimum liability coverage is $86 per month or $1,032 per year. The average price for full coverage insurance in Topeka is $150 per month or $1,800 per year.
While researching average insurance rates can help you predict your insurance costs, it’s important to note that each driver’s insurance premium is calculated based on various factors, such as the car type, driving record, claims history, and demographics.
Remember: Car insurance companies look at many different factors when calculating your annual premiums, including your demographics, driving record, and discount eligibility—so your actual costs may vary significantly from the state average.
Average cost of car insurance in Topeka by zip code
Even within the same city, car insurance rates vary based on where you live. Neighborhoods that experience more auto theft, car accidents, and other situations that can lead to insurance claims may be classified as “high-risk.”
Drivers living in these areas typically pay more than people in other parts of the city.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 66604 | $62 | $142 |
| 66605 | $53 | $126 |
| 66606 | $48 | $121 |
| 66607 | $64 | $153 |
| 66608 | $74 | $91 |
| 66609 | $83 | $160 |
| 66610 | $50 | $67 |
| 66611 | $73 | $122 |
| 66612 | $100 | $108 |
| 66614 | $70 | $142 |
| 66615 | $54 | $100 |
| 66617 | $57 | $237 |
| 66618 | $86 | $89 |
| 66619 | $44 | $124 |
Car insurance quotes in Topeka by rating factors
Insurance companies in Topeka use many rating factors when calculating your auto insurance premium:
- Your driving record and claims history: Insurers will charge more if you’ve had accidents or tickets.
- Your age: Drivers younger than 25 will pay higher insurance rates as insurance providers consider young drivers a higher risk due to limited driving experience.
- The kind of car you own: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you store your car: Rates are likely higher if you regularly park in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurers often charge more if you drive your vehicle to and from work than if you use it for leisure.
Cheap car insurance quotes in Topeka after driving violations
Your Kansas driving record plays a large role in your car insurance quotes. If insurance providers see a history of violations, they’ll view you as a higher risk and charge a steeper rate. Common violations that could increase your insurance rates include the following:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Topeka after speeding ticket
In Topeka, a speeding ticket could increase your car insurance rate. Jerry is proud to help drivers with speeding tickets of varying severities save on car insurance.
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Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Bristol West | $73 | 27 | 66616 | Chevrolet Lumina | State Minimum | No |
| Speeding Violation-Minor | Bristol West | $40 | 35 | 66605 | Pontiac G6 Gt | State Minimum | No |
| Speeding Violation-Minor | Bristol West | $124 | 54 | 66608 | Ford F-150 | State Minimum | No |
| Speeding Violation-Minor | Progressive | $83 | 23 | 66604 | Chevrolet Cruze Lt | State Minimum | No |
| Speeding Violation-Minor | Progressive | $55 | 25 | 66604 | Pontiac Grand Am Gt | State Minimum | No |
Cheapest car insurance in Topeka after DUI
In Topeka, a DUI violation can increase your insurance rates and label you as a high-risk driver. If you have a DUI on your record, car insurance rates can vary significantly from one insurance company to another. You’ll need to compare quotes from many insurance companies to find low-cost options after a DUI.
Jerry has helped many Topeka drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Topeka after an at-fault accident
One of the most critical elements affecting car insurance rates is your car accident or claim history. Your car insurance rates could skyrocket if you’ve recently been in an at-fault accident. Jerry has helped many Topeka drivers save on car insurance after accidents.
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Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Progressive | $200 | 65 | 66614 | Honda Hr-V Ex | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $90 | 45 | 66612 | Dodge Nitro Sxt | State Minimum | No |
| Not At Fault | National General | $157 | 48 | 66607 | Hyundai Sonata Limited | State Minimum | No |
| Not At Fault | Progressive | $146 | 65 | 66604 | Dodge Journey Se | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $63 | 67 | 66618 | Acura Rdx | State Minimum | No |
Cheapest car insurance in Topeka after other driving violations
Besides speeding tickets and DUIs, violations like reckless driving and driving on a suspended license can also cause your car insurance costs to increase in Topeka.
We compiled a list of other driving violations and how we helped drivers with these offenses save on their auto insurance.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Ticket Violation Not Listed | Bristol West | $90 | 45 | 66612 | Dodge Nitro Sxt | State Minimum | No |
| Careless Driving | Dairyland | $115 | 29 | 66608 | Ford Focus Se | State Minimum | No |
| Suspension | Dairyland | $309 | 38 | 66614 | Nissan Altima 2.5 | State Minimum | Yes |
| Failure to Yield | The General | $180 | 35 | 66604 | Nissan Altima 2.5 | State Minimum | No |
| Other Minor | AAA | $130 | 41 | 66604 | Ford Econoline E250 Van | State Minimum | No |
Cheap car insurance quotes in Topeka by age
Young drivers pay steep insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75.
Cheapest car insurance in Topeka for young drivers
Teen drivers aged 16 to 19 pay the highest insurance rates out of any age group in Topeka. Full coverage provides better financial protection for teen car owners that drive newer cars, as teens are more likely to get into accidents—and staying on the parent’s policy is the best way to keep rates low.
Cheapest car insurance in Topeka for senior drivers
Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
As a result, car insurance rates for senior drivers start to rise once more when drivers enter their mid-70s.
Cheap car insurance quotes in Topeka based on insurance history
Another factor that can impact your rates is your insurance history—i.e., whether you are currently insured or not. Any lapse in coverage usually leads to an increase in car insurance rates.
Jerry sends payment reminders to our customers, to help ensure timely insurance payments and prevent coverage lapses. We can also help uninsured or previously lapsed customers find savings on new auto insurance policies.
Cheap car insurance quotes in Topeka for drivers with poor credit
Unfortunately, having low credit can stop you from finding the best rates. Car insurance providers aren’t comfortable with the idea that you might leave your annual premiums unpaid.
With a credit score of 550 or less, even good drivers can see their insurance rates go up. Compared to drivers with poor credit, Kansas drivers with a high credit score (750+) typically enjoy rates that are 20% cheaper than those quoted for drivers with bad credit.
It may seem challenging, but insurance options exist for drivers of all credit levels. While your credit history may impact your insurance rates, you can take steps to find the best car insurance with bad credit.
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Credit Score
|
Insurance Company
|
Monthly Quote
|
Age
|
Zip Code
|
Car Make Model Trim
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 660-750 | Bristol West | $90 | 45 | 66612 | Dodge Nitro Sxt | State Minimum | No |
| 550-659 | Bristol West | $73 | 27 | 66616 | Chevrolet Lumina | State Minimum | No |
| <550 | National General | $157 | 48 | 66607 | Hyundai Sonata Limited | State Minimum | No |
| 750+ | Progressive | $73 | 52 | 66615 | Hyundai Veloster | 50/100 | Yes |
| 550-659 | National General | $162 | 54 | 66619 | Kia Sorento Ex | State Minimum | No |
Cheap car insurance quotes in Topeka for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with car type include the cost of repairs or replacements, the likelihood of theft, and the overall safety record of the vehicle.
Popular car models in Topeka include:
- Ford F-150
- Chevrolet Silverado
- Ram 1500
- GMC Sierra
- Toyota RAV4
Learn more: How to get car insurance before buying a car
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Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Honda Civic Touring | Bristol West | $108 | 22 | 66609 | State Minimum | No |
| Ford F-150 | Bristol West | $124 | 54 | 66608 | State Minimum | No |
| Ford F-150 | Dairyland | $53 | 46 | 66612 | State Minimum | No |
| Nissan Sentra Gxe | Dairyland | $94 | 34 | 66607 | State Minimum | No |
| Honda Civic Lx | Progressive | $146 | 44 | 66612 | State Minimum | No |
How to lower car insurance costs in Topeka
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers. Commonly available discounts for Kansas drivers include:
- Good driver discounts: Many insurance providers offer discounts for drivers with a history of safe driving. Drivers with one or fewer points on their license and no at-fault accidents may be eligible to receive good driver discounts.
- Telematics discounts: Many companies offer easy-to-earn discounts to drivers who use telematics to track their driving habits. You might even get a discount for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You may qualify for a discount from your insurance company.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
Increasing your deductible is an easy way to lower your monthly expenses without sacrificing coverage if you’ve got full coverage car insurance.
Why is car insurance in Topeka so expensive?
- Traffic: Dense traffic in Topeka leads to a higher rate of car accidents, which makes insurance companies charge higher prices.
- Crime: Living in an area with a high crime rate can lead to more car theft and vandalism, which raises the cost of comprehensive car insurance.
- Natural disasters: Natural disasters like tornadoes and winter storms are more common in Topeka than in many other parts of the country. When setting rates, insurers consider the increased risk of vehicle damage from these events.
Learn more: 11 ways to lower car insurance
FAQ
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
