Best cheap car insurance in Topeka for 2021

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Are you looking for affordable car insurance in Topeka? According to Bankrate’s study of annual quoted premiums, motorists in Topeka, Kansas, pay an annual average of $450 for minimum and $1,637 for full coverage car insurance. Although Topeka’s average rates are lower than the national average cost of car insurance, there are cheaper providers to be found. USAA and Auto-Owners offer some of the cheapest rates in Topeka, as well as quality coverage, customer service and options to save.

Car insurance is not only mandatory in Topeka, but with the fairly high number of accidents every year, sufficient coverage is essential. Bankrate reviewed several car insurance companies in the city to find the ones with the best combination of affordability, financial stability, customer service, coverage and discounts.

Best cheap car insurance companies in Topeka

To find the best cheap car insurance in Topeka, we reviewed 2021 J.D. Power Auto Insurance Study scores. Other factors considered were average cost — gathered through Quadrant Information Services — discounts, availability, digital tools, financial stability and customer service.

Insurance company J.D. Power score (Central region) Average annual premium for minimum coverage Average annual premium for full coverage
USAA *897/1,000 $287 $1,205
Auto-Owners 845/1,000 $298 $1,206
Iowa Farm Bureau Not rated $346 $1,393
State Farm 847/1,000 $371 $1,176
Progressive 837/1,000 $487 $1,575

*Due to membership eligibility restrictions, USAA is considered rank-ineligible by J.D. Power.

USAA

USAA only sells policies to military members, veterans and their families, and if you fit into one of those categories, it might be wise to make this provider the first stop when collecting quotes. Its average premiums for Topeka drivers were the cheapest of all we researched, at $287 per year for minimum coverage and $1,205 per year for full coverage. With several coverage options and discounts, USAA offers all the standard coverages needed to be financially protected in the event of loss or damage to your vehicle. The company also excels at customer service with a user-friendly website, allowing you to manage your account online and also get support from the USAA community network.

Learn more: USAA Insurance review

Auto-Owners

Auto-Owners is one of the top five insurers in the U.S. for customer service, according to J.D. Power’s overall customer satisfaction ranking in the Central region. Besides offering some of the lowest car insurance quotes in Topeka on our list, the company is also known for fast and easy settlement of claims. Available to policyholders are excellent optional coverages to help you personalize your policy, including roadside service, loan or lease gap coverage and diminished value coverage. The company may even waive your deductible if you are in a covered accident with another Auto-Owners policyholder. You could save with the company’s green discount, student discounts or bundling discount.

Learn more: Auto-Owners Insurance review

Iowa Farm Bureau

A popular insurer in the Midwest, Iowa Farm Bureau offers a robust selection of standard and optional coverages, and a lengthy list of discounts to help keep your premium costs down. Discounts include savings for good driving skills, insuring multiple cars and customer loyalty. One drawback may be that you need to purchase a membership with the Farm Bureau, which would cost you annually. However, you may save that much or more on your auto insurance by choosing this provider. Membership perks include discounts at hotels, restaurants and various major retailers.

Learn more: Iowa Farm Bureau Insurance review

State Farm

The largest writer of auto insurance policies in the U.S., State Farm has had a presence in Kansas for many years and understands the needs of Topeka drivers. The company scores well with J.D. Power and has an A++ rating with AM Best for financial strength. In addition to basic coverage options, it also offers insurance for rental cars, sports cars and classic and antique cars. With one of its telematics safe driver programs, you can save up to 20-30% on your premiums while also building good driving habits.

Learn more: State Farm Insurance review

Progressive

As the third-largest insurance provider by market share, Progressive is known for its budget-friendly rates and a suite of coverage options and discounts. Aside from the usual features found everywhere else, Progressive has some eye-catching options, such as the Name Your Price tool that takes your budget and tells you the possible coverages you could afford. The safe driver program Snapshot could save you money for good driving habits, and for fast, convenient assistance, you could rely on the digital Flo Chatbot. Progressive also has policy bundling options that could save you even more on your premium.

Learn more: Progressive Insurance review

Cheapest car insurance in Topeka

Topeka’s average car insurance premium is $450 per year for minimum coverage and $1,637 per year for full coverage. This is right around the overall Kansas averages of $410 per year for minimum coverage and $1,698 per year for full coverage. Both are lower than the U.S. averages of $565 per year for minimum coverage and $1,674 per year for full coverage. Topeka’s averages are likely influenced by the increased number of accidents that happen in urban areas, requiring insurers to compensate with higher costs.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $287 $1,205
Auto-Owners $298 $1,206
State Farm $371 $1,176
Farmers $390 $1,298

Our research shows that the cheapest car insurance in Topeka from the nation’s largest market share providers is from insurers including USAA, Auto-Owners, State Farm and Farmers. Although Farmers did not appear on our “best of” listing, it ranks as the second-best providers in the Central region according to overall customer satisfaction.

Any of these insurers could write a solid policy for you with liability coverage that meets the state minimums, along with whatever optional coverage you would like to add. All of them also offer generous listings of discounts, many of which are easy to earn and may lower your costs considerably. You could even have payments under the city’s annual averages.

Topeka insurance requirements

Almost every state in the U.S. requires you to carry a minimum amount of car insurance in order to be on the road legally. Kansas law requires you to have a policy for 25/50/25. Here is what that means:

  • $25,000 bodily injury (BI) liability: Your insurer will cover up to this amount for a single person’s injuries in an accident that you cause.
  • $50,000 total BI liability: Your insurer will cover up to this amount for the total costs of all injuries, if more than one person is injured in an at-fault accident.
  • $25,000 property damage (PD) liability: Your insurer will cover up to this amount for damage to the other driver’s car, or to structures such as fences or light posts.

In addition, you are required to purchase 25/50 of uninsured and underinsured driver coverage. You will also be required to purchase personal injury protection (PIP) insurance since Kansas is a no-fault state.

If you lease your car or have a car loan, your lender may want you to purchase collision and comprehensive coverage. You may also increase your liability coverage above the minimums, which many insurance experts recommend in order to provide greater financial protection in the event of a serious, high-cost accident.

Car insurance discounts in Topeka

For savvy insurance bargain hunters, discounts are the best way to bring down premium rates so that you are paying as little as possible for high-quality coverage. Here are some of the discounts that many insurers offer:

  • Safe driver discounts: Some insurers use telematics technology, which involves installing a small device in your car, to monitor your driving in real-time. If you are a safe and careful driver, you could save considerably on your policy costs.
  • Green discounts: Insurers may offer discounts if you agree to receive policy documents by email rather than postal mail and if you agree to pay electronically.
  • Safety features: If your car has anti-lock brakes, airbags and other safety devices, you could earn an easy discount.
  • Customer loyalty: If you have been a customer for a certain number of years, many insurers may offer you a discount. You may also earn one if you have multiple accounts with them, for example, bundling your homeowners and auto insurance.
  • Professional affiliations: These vary by insurer. Most insurers offer a discount to military members. Others have discounts if you belong to certain professional associations or alumni groups.

Frequently asked questions

What is the best car insurance company?

Finding the right insurance company starts with getting quotes that fit your own circumstances. You could start by researching the best car insurance companies for 2021. In addition to price, you may also want to consider coverage options and financial stability when comparing multiple insurers.

How much does car insurance in Topeka cost?

The average cost of an auto insurance policy in Topeka is $450 per year for minimum coverage and $1,637 per year for full coverage. Your rate will most likely be different since it is based on multiple factors unique to you, such as your age, credit rating, marital status, your driving record and the age and make of your car.

How can I get cheap car insurance?

Comparing multiple insurance providers in your region could give you an idea about the rate of the premium you might have to pay. Based on coverage options, discounts and overall customer service, you might be able to find the best and most affordable provider in your city for your needs. Keeping a clean record, having a decent credit score, and shopping around every now and again are some other ways to potentially save on car insurance.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Mary Van Keuren
Insurance Contributor
Mary Van Keuren has written for insurance domains such as Bankrate.com, Coverage.com and Thesimpledollar.com for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including reviews.com and myslumberyard.com. Prior to that, she worked as a writer in academia for several decades.
Edited by
Insurance Editor