Cheapest Auto Insurance in Topeka, Kansas (2025)
CSAA has the cheapest liability insurance in Topeka, at $53 per month.
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Living in the fifth-largest city in Kansas, Topeka drivers pay some of the cheapest insurance premiums in the country. Drivers pay $80 per month for liability car insurance, on average, which is lower than the national average of $103 per month and comparable to the Kansas state average of $77.
Drivers in Topeka may benefit from lower rates because suburban drivers often have a lower risk of accidents and property damage due to less congested roads and more room for parking.
The best way to find affordable rates is to compare quotes from multiple insurers. Here’s what you should know about finding car insurance in Topeka.
6 of the cheapest car insurance companies in Topeka
The best car insurance company for you depends on many factors, including your age, driving history, budget, the type of coverage you want, and where you live. When shopping around for coverage, you should prioritize finding coverage that meets your insurance needs. You shouldn’t necessarily just select the cheapest car insurance option you find.
The following six insurers have high Insurify Quality (IQ) Scores, offer some of the cheapest rates in the state, and provide you more opportunities to save on coverage. Start your car insurance search with the companies below. The quotes shown below reflect state average costs.
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for teen drivers: American Family
Best insurer for safe drivers: State Farm
Best insurer for military families: USAA
How to get the cheapest car insurance in Topeka
Car insurance rates in Topeka are lower than the national average, and you can save even more money on your premiums with these simple tips:
Get multiple quotes. Insurance rates typically vary across different companies. A company that’s cheapest for one driver may cost more for someone else. You can save money by comparing quotes from several companies to find the best deal.
Bundle your policies. Insurance companies often offer a discount to customers who bundle their car insurance policies with other types of insurance, including life, home, or renters insurance policies.
Choose a safe vehicle. Many insurance companies offer discounts for vehicles with safety equipment and technology, such as curtain airbags and lane-keeping assistance.
Save with discounts. Most auto insurance companies offer discounts to help customers save. Many offer discounts for safe driving, having certain vehicle safety features, paying your premium up front, and more.
Adjust your policy. Your coverage limits and deductibles help determine your insurance rates. Work with your agent to either decrease your coverage limits (as long as they still meet the state requirements) or increase your deductible, both of which can help reduce your premiums.
Cheapest liability-only car insurance in Topeka: CSAA
Liability insurance pays for the other driver’s injuries and damages when you cause an accident. It doesn’t cover any of your medical bills or vehicle repairs.2 For that, you’ll need to purchase more robust coverage. Liability-only car insurance is the cheapest type of insurance you can buy.
This limited coverage works best for drivers with particularly old or inexpensive vehicles. Most drivers should consider buying more coverage.
The average cost of liability insurance in Topeka is $80 per month. Here are the cheapest average quotes for liability coverage in Topeka.
Cheapest full-coverage car insurance in Topeka: State Farm
Full-coverage car insurance includes liability insurance, as well as additional coverages to protect your vehicle. It typically includes collision and comprehensive coverages, which pay for damage to your vehicle from an accident or non-collision incident, regardless of fault. It also pays for vehicle theft and vandalism.
You’ll have to pay more expensive premiums for full-coverage insurance, but it can also save you thousands (or tens of thousands) of dollars after an accident. If you can’t afford to replace your car in the event of total vehicle loss, you probably need to buy full coverage. And, if you lease or finance your vehicle, the leasing company or lender will require you to buy full coverage.
On average, Topeka drivers pay $145 per month for full-coverage insurance. Here are some of the cheapest full-coverage car insurance quotes in Topeka.
Car insurance requirements in Kansas
Kansas requires all drivers to have car insurance and is one of about a dozen states with a no-fault insurance law. Under no-fault insurance, each driver’s insurance pays for their own medical expenses after an accident, regardless of fault.3 This differs from at-fault states, where the at-fault driver’s bodily injury liability insurance would pay for the other driver’s injuries.
In Kansas, you can’t make a claim against the at-fault driver’s liability insurance unless you have at least $2,000 of medical expenses or certain severe injuries.
The table below outlines Kansas’ minimum coverage requirements:
In addition to the coverages required under Kansas law, you should consider several optional coverages that can protect you from major losses. Here are common insurance add-ons you can choose from:
Cheapest car insurance for drivers with an incident
If you have any sort of incident on your driving record, you’ll likely pay more for car insurance. Incidents that can increase your auto rates include speeding tickets, at-fault accidents, and driving under the influence (DUI) charges.
Topeka drivers with an incident on their record pay $94 per month for liability car insurance and $171 for full-coverage insurance, on average. The amount your rate will increase depends on the type and severity of the violation and what else is on your record.
Cheapest car insurance for drivers with a speeding ticket: CSAA
If you receive a speeding ticket in Topeka, your insurance premiums will likely increase. Generally speaking, your premium may increase based on how much you exceeded the speed limit, as well as whether you have other tickets on your record.
On average, drivers in Topeka with a speeding ticket pay $100 per month for liability insurance and $141 for full coverage. Here are some of the cheapest liability insurance options for drivers in this category.
Cheapest car insurance for drivers with an at-fault accident: CSAA
Insurance premiums often increase significantly when you cause an accident. Rates can even sometimes increase after an accident you didn’t cause. Due to the state’s no-fault insurance law, you’ll need to file a claim with your insurance company for an accident caused by another driver.
The average cost of car insurance for a Topeka driver with an at-fault accident is $105 per month for liability insurance and $191 for full-coverage insurance. Here are some of the cheapest liability insurance options for drivers with an at-fault accident on their record.
Cheapest car insurance for drivers with a DUI: CSAA
The most serious driving violation you can commit is driving under the influence, which will increase your premiums significantly. After a DUI in Kansas, you could also face fines, imprisonment, community service mandates, and suspended or restricted driving privileges.4
In Topeka, drivers with a past DUI pay $129 per month for liability insurance and $233 for full-coverage car insurance. Below, you can find the cheapest liability insurance options for Topeka drivers with a DUI.
Cheapest car insurance for seniors: CSAA
Auto insurers will consider your age when determining your insurance premiums. Drivers between 25 and 70 benefit from premiums that decrease with age and driving experience. But auto insurers may charge drivers older than 70 higher rates due to aging-related risk factors that can make driving more difficult and increase the risk of fatal accidents.5
Senior drivers in Topeka pay a monthly average of $68 per month for liability insurance and $123 for full-coverage car insurance. Find the cheapest options for senior drivers in the city.
Cheapest car insurance for teens: CSAA
Teen drivers pay higher insurance premiums than any other age group. Because teens have limited experience driving and an increased likelihood of risky behavior, auto insurers view them as higher-risk drivers to insure.6
If you have a teen driver in your family, you can save money on their insurance premiums by adding them to your policy instead of having them sign up for their own policy. You can also save by taking advantage of discounts for good students, safe drivers, and young drivers who complete an approved driver safety course.
The average cost of car insurance for teen drivers in Topeka is $165 per month for liability and $299 for full coverage, on average. Here are some of the cheapest options for teens in the area.
Topeka car insurance quotes by credit tier
Kansas permits the use of credit history in insurance rate-setting. Insurance companies see a correlation between credit history and insurance risk. Drivers with poor credit are typically more likely to file a claim.
As a result, your credit history may affect your insurance premium. Drivers with excellent or good credit qualify for better insurance rates. Meanwhile, if you have a poor credit, you’ll likely pay a higher premium.
Here are the average quotes for full-coverage insurance by credit tier in Topeka.
Is car insurance more expensive in Topeka?
Location is a major factor that affects insurance rates, and Kansas drivers pay cheap insurance premiums compared to the national average of $103 for liability insurance and $182 for full coverage. On average, Kansas drivers pay $77 per month for liability insurance and $147 for full coverage.
Within Kansas, insurance premiums can vary by city and ZIP code, but Topeka drivers pay similar rates to the state average, at $80 for liability insurance and $145 for full coverage. Drivers in Kansas City, for comparison, pay much more for coverage due to high motor vehicle theft rates.
More cities in Kansas
Topeka drivers pay lower average premiums than drivers in some other Kansas cities, like Overland Park, Kansas City, and Wichita. On average, car insurance in Topeka costs $80 per month for liability insurance and $80 for full coverage.
See how other cities compare below.
Topeka car insurance FAQs
Before you start shopping around for insurance, you need to decide how much coverage you need. The information below should help you navigate the process of finding cheap coverage in Topeka.
How much is car insurance in Topeka?
On average, Topeka drivers pay $80 per month for liability coverage and $145 for full-coverage insurance. Your premium depends on your driving record, credit history, age, and more.
What are the best car insurance companies in Topeka?
With high customer satisfaction ratings from J.D. Power and an Insurify Quality (IQ) Score of 9.3 out of 5, State Farm is the best car insurance company in Topeka. Other top insurers include American Family and USAA.
Who are the cheapest car insurance companies in Topeka?
With a liability insurance rate of $53 per month, CSAA is the cheapest car insurance company in Topeka. Root and State Farm also have affordable liability coverage, with monthly rates of $63 and $67, respectively.
What is the minimum auto insurance in Kansas?
Kansas drivers must have the following amounts of car insurance coverage:
$25,000 per person and $50,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
$25,000 per person and $50,000 per accident in uninsured/underinsured motorist coverage
$4,500 per person for medical expenses
$900 per month for disability/loss of income
$25 per day for in-home services
$2,000 for funeral, burial, or cremation costs
$4,500 for rehabilitation services
What factors affect car insurance premiums in Topeka, Kansas?
Car insurance premiums can vary by ZIP code within Topeka due to factors like crime rates, accident rates, traffic congestion, and more. Your specific premium will depend on your driver profile, vehicle type, and chosen coverage.
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