Topeka, KS Car Insurance

The typical auto insurance policy costs $128 per month in Topeka. Are you paying too much?

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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 AverageNational Average
$1,537$1,622$1,548
 
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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 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.

 
TOPEKA AUTO INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
Iowa Farm Bureau$1,101
State Farm$1,124
American Family$1,175
Progressive$1,662
Allstate$1,759
 

Read our guide to finding the best cheap auto insurance.

 

Topeka auto insurance rates by age

The age group that pays the least for car insurance in Topeka are drivers in their 50s ($1,293 per year). Those in their 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: $4,099 more than the second-most expensive rate paid by an age group.

 
CAR INSURANCE RATES BY AGE TIER IN TOPEKA
Age groupAverage Yearly Rate
Teenagers$5,404
20s$2,105
30s$1,499
40s$1,432
50s$1,293
60s$1,305
70s$1,537
 

Learn more about the impact of age on car insurance premiums.

 

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. 

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 StatusAverage Yearly Rate
Female$1,562
Male$1,537
Single$1,405
Married$1,405
Divorced$1,537
Widowed$1,502
 

Read more about the relationships between gender, marital status and insurance rates.

 
 

 

Topeka car insurance costs by driving history

 

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 CAR INSURANCE RATES AFTER A COLLISION OR CITATION
ViolationAverage Annual Rate
DUI/DWI$2,136
Reckless Driving$2,086
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
 

Learn more about citations' impact on your auto insurance rates.

 

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 ScoreAverage Yearly Rate
Very Poor$2,831
Fair$1,818
Good$1,537
Very Good$1,412
Exceptional$1,293
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

Compare car insurance rates for free today!

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.