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How much is car insurance in Topeka?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Topeka are about the same as the rest of Kansas.
However, when compared to the national average, the cost for auto insurance in Topeka is lower. The average monthly payment in Topeka is about $23 cheaper than the rate for the rest of the United States.
Bear in mind that while these rates are the average costs for Topeka residents, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Topeka and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may start to rise again in Topeka.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. Male and female drivers in Topeka, however, both pay the same monthly amount to insure their vehicle.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Topeka, having a single accident on your record will usually get you rates around $73 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $73.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$50|
|15 Years or Older||$53|
As you can see in the first table above, the cheapest vehicles to insure in Topeka are usually trucks and vans, which run about $51 per month.
Car owners, on the other hand, typically pay around $57 per month, while SUV drivers can expect to pay about $66 a month for auto insurance coverage.
You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Topeka are vehicles two-to -three years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$60|
On average, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, single drivers usually pay more than married couples do for auto insurance. Topeka follows that pattern, with the difference totaling to around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$85|
Your housing status is another factor that affects your monthly rate. Those who own their own home in Topeka can expect to pay around $5 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Topeka, KS
Recent trends in car insurance for Topeka drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
In Topeka, the rates for auto insurance increased from 2017-2018, before steadying out in 2019. Insurance rates finished down in 2022, at $45 per month
How does Topeka compare to neighboring areas?
Why are car insurance rates in Topeka different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Road Safety (total number of local car accidents)
- Crime levels
- Number of drivers in the area
- Off-street parking availability
- Community regulations
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Topeka?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering policies in Topeka.
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Topeka Insurance FAQs
What factors affect car insurance quotes in Topeka?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Topeka different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Topeka?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Topeka?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Topeka or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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