The typical auto insurance policy costs $128 per month in Topeka. Are you paying too much?
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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.
|Topeka Average (annual)||Kansas Average||National Average|
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.
|Insurance Company||Average Annual Rate|
|Iowa Farm Bureau||$1,101|
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.
|Age group||Average Yearly Rate|
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.
|Gender/Marital Status||Average Yearly Rate|
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.
|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|
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.
|Credit Score||Average Yearly Rate|
Curious about how your credit score might impact your auto insurance rates? Click here to learn more.
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 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.