Table of contents
How much is car insurance in Topeka?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Topeka | $59 |
| KS | $58 |
| United States | $80 |
According to the chart above, the rates you'll pay for coverage in Topeka are on par with what you would pay anywhere else in Kansas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Topeka is rather affordable. It's about $21 cheaper than the national average to insure your vehicle in Topeka.
Bear in mind that while these rates represent the expected monthly payments for residents of Topeka, it doesn't mean that's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down the average rate for Topeka residents based on several different factors so that you can get a more accurate idea of what you might pay. 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!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | $218 |
| 18-24 | $107 |
| 25-34 | $51 |
| 35-44 | $54 |
| 45-54 | Not Enough Data |
| 55-64 | $40 |
| 65+ | $41 |
It makes sense that older drivers would have more experience behind the wheel, right? That experience can turn into some real savings when it comes to auto insurance rates. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement age, your rates may creep back up a bit in Topeka.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $59 |
| Female | $60 |
Car insurance rates for women are generally cheaper than they are for men. In Topeka, however, men actually pay a little bit less than female drivers for auto insurance.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $77 |
| Multiple Accidents | $169 |
| 1 Ticket | $78 |
| Multiple Tickets | $76 |
Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay less than those with infractions. In Topeka, having a single accident on your record will usually get you rates around $77 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $78 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Average Insurance Rates by Vehicle
| Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $69 |
| 2-3 Years | $69 |
| 4-5 Years | $65 |
| 6-7 Years | $57 |
| 8-10 Years | $73 |
| 11-14 Years | $60 |
| 15 Years or Older | $56 |
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Topeka, with drivers paying around $46 per month for insurance.
Car owners can expect to pay an average of around $59 a month for their policy, while SUVs usually cost around $68 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Topeka, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $62 |
| Married | $58 |
| Divorced | $45 |
| Widowed | $38 |
Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies award special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Topeka is no exception, with the difference totaling to around $4 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $52 |
| Rent | $57 |
| Live with parents | $85 |
Your housing situation is another component of how insurance companies calculate 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 if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Topeka, KS
Recent trends in car insurance for Topeka drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Topeka, the rates for auto insurance went up from 2016-2018, before steadying out in 2019. Policy premiums finished down in 2021, at $51 per month
How does Topeka compare to neighboring areas?
Why are car insurance rates in Topeka different from other areas?
There are a lot of factors car insurance companies will consider when deciding how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Number of drivers in the area
- Number of car accidents
- Off-street parking access
- Laws
- Rate of crime
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
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 by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Topeka.
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 make and model, year, driving record, credit score, as well as your marital status and address.
Why is the cost of car insurance in Topeka different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, local laws, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Topeka?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Topeka?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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.