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Ava Lynch

Insurance Analyst

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  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Renata Balasco

Senior Content Strategist

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  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How much does car insurance cost in Topeka?

The average cost of car insurance in Topeka, is $768 every six months. That's cheaper than the average in Kansas ($811) and less expensive than the national average of $880. Read on to learn more about how much you can expect to pay based on age, credit score, and other factors in Topeka. Read on to learn more!

Car insurance in Topeka vs. Kansas Average 6 Mo. Premium
Topeka average $768
Kansas average $811

The Zebra's key takeaways about car insurance in Topeka:

  • The average cost of a car insurance policy in Topeka is $768 per six-month policy — $128 per month.
  • The cheapest company in Topeka is Iowa Farm Bureau ($550).
  • 33% of Zebra customers in Topeka stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Topeka car insurance rates by company

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the insurer 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.

Cheapest car insurance companies in Topeka, KS
Company Avg. 6 Mo. Premium
Iowa Farm Bureau $550
State Farm $562
American Family $587
Progressive $831
Allstate $879

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Shop around for the best rates


The only way to know which company has the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Topeka.

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Topeka auto insurance rates by age

Our data tells us that drivers between the ages of 20-29 make up 32% of Topeka drivers. The age group that pays the least for car insurance in Topeka are drivers in their 50s ($646 per six-month period). Those in their 60s don't pay significantly more ($652).

Teenage drivers pay Topeka's most expensive auto insurance rates. When drivers in their 20s in Topeka move out of the teenage age bracket, they substantially reduce their premiums. In Topeka, teenage drivers pay $2,702 for six months: $4,099 more than the second-most expensive rate an age group pays.

Topeka auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $2702
20s $1,052
30s $749
40s $716
50s $646
60s $652
70s $768

Topeka car insurance rates by credit score

It's no secret credit score is closely correlated with car insurance rates. 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 $507 decrease in six-month car insurance rates.  Our data tells us 37% of drivers in Topeka have a credit score of average (580-679). 

credit score
Topeka auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,415
Fair $909
Good $768
Very Good $706
Exceptional $646

Topeka car insurance rates by violation

No matter where you live, steering clear of accidents and citations is the best way to reduce your auto insurance premiums. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents 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 auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DUI/DWI $1,068
Reckless Driving $1,043
At-fault Accident (damages less than $1,000) $948
At-fault Accident (damages greater than $2,000) $1,098
Speeding Ticket (16-20 mph over speed limit) $909

Compare over 100 insurance companies at once!

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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.