How much does car insurance cost in Topeka?
The average cost of car insurance in Topeka, Kansas, is $1,537 per year. That's cheaper than the average in Kansas ($1,622) and less expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Topeka.
CAR INSURANCE RATES IN TOPEKA
|Topeka Average (annual)||Kansas Average||National Average|
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Topeka car insurance rates by provider
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider 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.
TOPEKA AUTO INSURANCE RATES BY COMPANY
|Insurance Company||Average Annual Rate|
|Iowa Farm Bureau||$1,101|
Topeka auto insurance rates by age
The age group that pays the least for car insurance in Topeka are drivers in their age_50s ($1,293per year). Those in their age_60s don't pay significantly more ($1,305).
Teenage drivers pay Topeka's most expensive auto insurance rates. When drivers hit their 20s in Topeka and move out of the teenage age bracket, they reduce their premiums substantially. In Topeka, teenage drivers pay $5,404 — a full $4,099 more than the second-most expensive rate paid by an age group.
CAR INSURANCE RATES BY AGE TIER IN TOPEKA
|Age group||Average Yearly Rate|
Topeka auto insurance rates by marital status and gender
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Topeka pay $132 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Topeka, insurance rates for those who are widowed are less expensive than rates for those who are single.
Gender is yet another factor that can affect auto insurance premiums. In Topeka, female drivers pay $25 per year more than do male drivers for car insurance.
TOPEKA AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
Topeka car insurance costs by driving history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all 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.
TOPEKA CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,897|
|At-fault Accident (damages greater than $2,000)||$2,196|
|Speeding Ticket (16-20 mph over speed limit)||$1,819|
Topeka car insurance costs by credit level
It's no secret credit score is closely correlated with car insurance rates. In fact, 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 $1,014 decrease in annual car insurance rates.
TOPEKA AUTO INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Score||Average Yearly Rate|