Car Insurance in Topeka, KS

Travelers offers the cheapest car insurance in Topeka at $109/mo.
Compare and save on auto insurance in or near Topeka, KS with The Zebra.

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By Kristine Lee

Updated November 3, 2026

Reviewed By Beth Swanson

Edited By Renata Balasco

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Cheap companies in Topeka, KS
Why is car insurance in Topeka so expensive?
Rates after an accident or ticket
Topeka auto insurance FAQs

How much does car insurance cost in Topeka?

Car insurance in Topeka averages $1,112 for a 6-month full coverage policy ($185 per month).^[1] Compared to the rest of the state, Topeka is cheaper than average and considered slightly less expensive than average for car insurance in the US.

For drivers looking to save on full coverage, Travelers is the cheapest option at $109 per month. If you only require Kansas's liability limits, GEICO at $29/mo is the cheapest estimate in our database.

Topeka is slightly less expensive than average for car insurance in the US.
Travelers offers the cheapest full coverage rates in Topeka at $109/mo. For liability insurance, GEICO is the cheapest option at $29/mo.
An at-fault accident in Topeka can cause rate hikes of up to $536 on a 6-month policy.

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Cheap liability and full coverage auto insurance in Topeka

For full coverage, Topeka drivers can find particularly competitive rates from Travelers in 2026. For our user-profile, Travelers averages about $109 per month.

For state-minimum coverage, GEICO's $29 monthly rate will lower your average total premium considerably.

For both full coverage and liability, military members and their families who qualify for USAA may also want to include it when comparing quotes.

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Updating data...

Company	Full coverage (6-month)	State minimum (6-month)
Travelers	$653	$235
GEICO	$760	$176
Progressive	$798	$245
USAA	$832	$187
Auto-Owners	$832	$275
Farmers	$994	$380
State Farm	$1,016	$301
Shelter	$1,075	$360
American Family	$1,222	$532
Farm Bureau Mutual (IA Group)	$1,264	$322
Allstate	$1,355	$469
MetLife	$1,482	$384
Encompass	$1,522	$660
Sentry	$2,144	$582

Source: The Zebra • Current as of: Nov 3, 2026

Around 41% of drivers in Kansas carry only the coverage required by the state.^[1] While considerably lower than full coverage (about $785 cheaper), this coverage level leaves your vehicle vulnerable in at-fault accidents, weather events, and uninsured drivers.

Consider whether or not you'd want this coverage for Topeka's severe thunderstorms, damaging hail, and tornadoes or the higher than average rate of uninsured drivers.^[2]

The Zebra’s Dynamic Insurance Rating Tool 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.

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Why is car insurance in Topeka so expensive?

Topeka auto insurance is cheaper than the average premium in Kansas ($1,174) and slightly less expensive than average nationally. Topeka drivers pay higher rates due to a mix of weather risks, the number of drivers, and location.

1. Weather

Kansas experiences a variety of severe weather, and Topeka is no exception. Tornadoes, large hail, damaging thunderstorms, and winter ice storms can lead to costly property damage and insurance claims. As weather-related losses continue to rise, insurers may adjust coverage options and premiums for homeowners in the area.

2. Busy highways and regional commuter traffic

Traffic along Interstate 70, Interstate 470, U.S. Highway 75, and other major roads through Topeka contributes to frequent accidents and insurance claims. As claims increase, insurers often pass those higher costs on to drivers through higher premiums.

3. Uninsured drivers

34% (higher than average for the state) of drivers in Topeka are uninsured. In an accident with an uninsured driver, the insurance company of the not-at-fault driver ends up covering the majority of the damage via collision or uninsured motorist coverage. As a result, insurance companies view areas with high uninsured rates as higher-risk, leading to increased costs that get passed on to policyholders.

Can uninsured motorist coverage apply if another driver causes a crash without hitting you in Topeka?

Potentially. Kansas recognizes accidents caused by vehicles that never make physical contact with your car, but insurers may require reliable evidence from an independent witness. For Topeka drivers, having a witness can be especially important when the responsible driver leaves the scene.

-Erick Sosa, Licensed Agent and Manager at The Zebra

Car insurance rates after an accident in Topeka

In Topeka, an at-fault accident can raise your car insurance by $536 for a 6-month policy. Keeping a clean driving record is the best way to avoid increases.

Premiums can go up after multiple violations such as accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.

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Updating data...

Accident/Violation	Avg. 6 Mo. Premium
Illegal turn	$1,437
DUI	$2,051
Speeding in school zone	$1,473
Racing	$1,975
One comp claim	$1,240
Speeding 16 - 20 MPH over limit	$1,471
Leaving scene of an accident/hit and run	$2,154
Reckless driving	$1,924
Open container	$1,496
Wrong way/wrong lane	$1,421
At-fault accident - less than $1000	$1,512
Failure to stop at a red light	$1,458
Cell phone violation	$1,426
Driving with expired registration	$1,370
Failure to wear a seat belt	$1,327
Not-at-fault accident	$1,173
Improper passing	$1,463
Two comp claims	$1,292
Driving with a suspended license	$2,030
At-fault accident - $1000-$2000	$1,648
At-fault accident - greater than $2000	$1,648

Source: The Zebra

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Kansas drivers in and near Topeka saved money on car insurance recently using The Zebra:

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*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.

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Topeka car insurance FAQs:

How much is car insurance in Topeka?

The average for a six-month auto insurance policy in Topeka is $1,112 or $185 per month. This is cheaper than the Kansas state average and slightly less expensive than average compared to the rest of the US.

What is the cheapest car insurance in Topeka?

Travelers is the carrier with the cheapest rates in Topeka, coming in at an average of $109 per month for full coverage. For liability or minimum coverage, consider GEICO ($29 per month).

How much is car insurance in Topeka for teenagers?

Teenagers in Topeka on average pay over $2,295 for a six-month policy or $383 per month. Because car insurance is so expensive for teen drivers who have their own policy, we recommend that young drivers be added to their parents' policies to significantly bring down the cost.

What’s the best way to save on car insurance in Topeka?

The best way to save is by comparing quotes across providers, bundling policies, and qualifying for discounts by maintaining a clean record and safe vehicle features. Frequently price tracking rates even when insured will also improve your odds of getting the best rates.

Can I lower my coverage to save money in Topeka?

Lowering your coverage limits, raising deductibles, or dropping optional insurance features will reduce your premiums, but you will assume more financial responsibility yourself if a loss occurs.

Sources:

Data Methodology. The Zebra's Dynamic Insurance Rating Tool

Data Methodology. The Zebra's Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra

Anonymized User Surveys. The Zebra

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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.