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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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Drivers in Topeka pay an average of $115 per month for car insurance, according to Compare.com data. Topeka tends to have lower rates than bigger cities like Wichita because of its lower population density and fewer traffic accidents.
Even with Topeka’s relatively affordable auto insurance, many companies offer rates well below the citywide average. For example, CSAA, Root, and Progressive have the cheapest car insurance in the city, with CSAA offering the lowest averagerates — just $53 per month.
We’ll cover the cheapest insurers in Topeka for different types of drivers, help you pick the right company for your situation, and share practical tips to lower your car insurance costs.
CSAA offers the cheapest auto insurance rates in Topeka, starting at $53 per month.
Topeka drivers pay an average of $81 per month for liability insurance, and $150 for full coverage.
Kansas requires all drivers to have at least 25/50/25 in liability coverage, plus personal injury protection and uninsured/underinsured motorist coverage.
Several insurers offer lower-than-average rates in Topeka, giving you plenty of options to find affordable coverage. The following table shows the most budget-friendly insurers in Topeka, based on Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| CSAA | $53 |
| Root | $64 |
| Progressive | $72 |
| Safeco | $72 |
| State Farm | $76 |
| Bristol West | $80 |
| National General | $80 |
| Dairyland | $82 |
| USAA | $83 |
| American Family | $90 |
| The General | $94 |
| Auto-Owners | $98 |
| Direct Auto | $103 |
| Liberty Mutual | $113 |
| GEICO | $116 |
| Travelers | $131 |
| Allstate | $140 |
| Farmers | $171 |
| Nationwide | $173 |
| Shelter | $208 |
CSAA offers the cheapest car insurance in Topeka, with an average monthly rate of just $53 for liability coverage.
Next, let’s break down the cheapest companies for various driver and coverage types to help you find the best match for your situation.
While the companies above provide a solid starting point, your personal rates can vary dramatically based on factors like your age, driving record, address, and credit history. To find the best price, you should compare rates from insurers that offer good deals for drivers like you.
To get you on the right track, the table below shows Topeka’s most affordable insurers for various drivers and coverage types, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | CSAA | $53 |
| Full coverage | State Farm | $98 |
| Teens | CSAA | $100 |
| Seniors | CSAA | $41 |
| Drivers with a speeding ticket | CSAA | $67 |
| Drivers with an at-fault accident | CSAA | $72 |
| Drivers with a DUI | CSAA | $75 |
| Drivers with excellent credit | CSAA | $45 |
| Drivers with poor credit | CSAA | $62 |
We’ll break down each driver and coverage type in more detail in the next sections.
Policies in Topeka start as low as $53 per month.
Our data shows that drivers in Topeka pay an average of $81 per month for basic liability coverage.
But most insurance experts recommend purchasing more coverage than Kansas requires because state-minimum insurance often doesn’t give you enough coverage in serious accidents.[1] Medical bills and vehicle repair costs can easily exceed these basic limits, potentially leaving you responsible for thousands of dollars in out-of-pocket expenses.
But if you need only bare-bones coverage that meets Kansas’ minimum requirements, the chart below highlights the five cheapest companies in Topeka, according to Compare.com data.
Most drivers should consider full-coverage car insurance because it provides better financial security if you cause an accident.
Full-coverage policies typically include comprehensive and collision insurance, alongside the state’s minimum requirements. These additional coverages pay for vehicle repairs from theft, vandalism, weather damage, and collisions.
Plus, lenders and leasing companies typically require you to have comprehensive and collision coverage if you finance or lease your car.[2]
We found that full-coverage auto insurance in Topeka averages $150 monthly. But despite higher average premiums, several insurers offer full coverage for close to the average liability price in Topeka.
Here are the five most affordable full-coverage car insurance options in Topeka, according to our research.
Teen drivers pay some of the highest insurance rates of any age group because they lack experience and statistically cause more accidents than older drivers.[3] Insurance companies view inexperienced drivers as riskier to insure, leading to substantially higher premiums.
Nationally, insurers charge the average teen nearly double what someone aged 20 or older pays, according to our research. Teen drivers in Topeka pay an average of $249 per month for auto insurance. But you can still find good deals if you’re a teen driver or have one on your policy.
Below, you’ll find the five cheapest insurers for Topeka teen drivers, according to Compare.com data.
Senior drivers typically enjoy the lowest insurance rates of any age group because they tend to drive less frequently, cause fewer accidents, and often qualify for mature driver discounts.4
Seniors in Topeka pay an average of $96 per month for car insurance, according to Compare.com data. But even with these already low average rates, you might find a better deal from one of the companies below.
Getting a ticket can increase your rates when your policy renews because insurers view moving violations as indicators of risky driving behavior.[4] Our research shows that even a single speeding ticket causes average rates to increase by 28% nationwide.
Drivers with a recent ticket in Topeka pay an average of $146 per month for car insurance, according to Compare.com data. But several insurers offer much lower rates for drivers with traffic violations.
The chart below shows the five cheapest insurance options in Topeka for drivers with recent tickets, according to our research.
Causing an accident can make your rates jump substantially since at-fault accidents signal to insurers that you’re more likely to file claims in the future. In fact, our research shows that a single at-fault accident causes average rates to increase by 33% nationwide.
Drivers with a recent accident in Topeka pay an average of $150 per month, according to Compare.com data. But you can often find better deals with one of the companies highlighted below.
A driving under the influence (DUI) conviction causes the sharpest increase in car insurance rates of any incident. Our research shows average rates increase by 59% nationwide after a DUI conviction.
Drivers with a DUI conviction in Topeka pay an average of $156 per month for car insurance, according to Compare.com data.
In addition to higher rates, getting a DUI can make it difficult to find coverage at all, because many standard insurers won’t cover high-risk drivers.[5] But some insurers specialize in high-risk drivers, including people with DUI convictions.
This chart shows the five cheapest insurers in Topeka for drivers with DUIs, according to our analysis.
Some insurance companies consider your credit history when calculating rates. Insurers use a credit-based insurance score to predict your likelihood of defaulting on payments or filing claims.[6] Our research shows drivers with poor credit pay 40% more than people with excellent credit.
Drivers with poor credit in Topeka pay an average of $134 per month for auto coverage, according to Compare.com data. But not all companies use credit scores, and some offer affordable rates regardless of your credit history.
The chart below shows the five cheapest insurers in Topeka for drivers with poor credit, according to our research.
Compare personalized quotes from Topeka’s top insurers.
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Like most states, Kansas requires all drivers to have car insurance. To legally drive in the state, you must have at least the following minimum coverage:[7]
Bodily injury liability: $25,000 per person and $50,000 per accident for injuries you cause to others
Property damage liability: $25,000 per accident for damage you cause to other people’s property
Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident for injuries caused by uninsured drivers
Personal injury protection: $4,500 to cover medical expenses, regardless of fault
Most experts recommend buying more coverage than Kansas requires. After all, vehicle repairs and medical expenses can quickly add up, and you’d have to pay for anything that exceeds your limits. Plus, lenders usually require you to buy comprehensive and collision coverage if you finance or lease your car.
Consider this: If you cause an accident that seriously injures someone, resulting in $100,000 in medical bills, your $25,000 of bodily injury coverage would leave you personally responsible for the remaining $75,000. Increasing your liability limits typically costs relatively little but provides much better financial protection.
Below, you’ll find the answers to some common questions about car insurance from Topeka drivers.
Car insurance in Topeka costs an average of $81 per month for liability-only insurance and $150 per month for full coverage, according to Compare.com data.
It depends. Topeka drivers pay an average of $115 per month for car insurance, according to Compare.com research. That’s compared to the national average of $149. But your car insurance costs depend on several factors, including your address, driving history, age, and coverage choices.
CSAA offers the cheapest car insurance rates in Topeka, with average rates starting at $53 per month for liability coverage, according to Compare.com data.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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