Best cheap car insurance in Topeka

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Topeka drivers pay an average of $450 annually for minimum car insurance coverage and $1,637 annually for full coverage, which includes collision and comprehensive. Although this might seem expensive, it is important to have good coverage: In Shawnee County there were 4,493 reported accidents in the most recent year surveyed, with 26 fatal injuries.

To find the best car insurance Topeka, we looked at all the national and regional insurers who are writing policies in the region. We collected sample quotes and reviewed websites to see if it was easy to manage an account online. We also looked at what consumer organizations like J.D. Power said about each company.

Best car insurance companies in Topeka

To find the best cheap car insurance in Topeka, we researched the insurers who have been writing policies for residents in the region. We looked first at average prices and available discounts, but also assessed the reputation of each company for excellent customer service. We also gave preference to companies that are financially sound and well-managed.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Auto-Owners 890/1,000 $298 $1,206
Iowa Farm Bureau NA $346 $1,393
MetLife 886/1,000 $433 $1,932
State Farm 881/1,000 $371 $1,176
USAA 890/1,000 $287 $1,205

Quadrant Information Services, 2020

Auto-Owners

Auto-Owners is one of the top three insurers in the U.S. for customer service, according to J.D. Power’s Overall Customer Satisfaction ranking, so in addition to offering some of the lowest car insurance quotes in Topeka, you can rest easy knowing that you’re working with people who will settle your claims quickly and efficiently. Auto-Owners also offers excellent optional coverages to help you customize your policy, including roadside service, loan or lease gap coverage and diminished value coverage. The company will waive your deductible if you are in an accident with another Auto-Owners policyholder, and you can save with discounts including a green discount, student discounts and a bundling discount.

Iowa Farm Bureau

Despite the name, Iowa Farm Bureau insures far more than farms, and they sell policies throughout the Midwest, not just in Iowa. They offer a robust plate of essential and optional coverages and a lengthy list of discounts to keep your premium costs down, including ones for good driver skills, multiple cars and loyalty. The only drawback with Iowa Farm Bureau is that you need to purchase a membership in the Bureau, which will cost $50, but you may save that much or more on your auto insurance by choosing this provider.

MetLife

Although MetLife’s average annual rates are on the higher end, your own personal rates may be impacted (and lowered) by the company’s generous discounts. Bundling auto with homeowners or renters insurance, for example, saves policyholders an average of $562 per year. Metlife offers perks such as a repair and referral network and 24/7 customer service, and optional coverages including new car replacement, special parts replacement and identity theft protection.

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.

Discounts include several that reward you for driving safely, including the Drive Safe and Save program, which may net you up to 30 percent off on your premium in exchange for installing a Bluetooth beacon in your car that will monitor your driving skills in real time.

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 USAA 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. USAA excels at customer service and the company’s website is robust and comprehensive, allowing you to manage your account online and also get support from the USAA community network.

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 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
MetLife $433 $1,932

Our research shows that the cheapest car insurance in Topeka is from insurers including USAA, Auto-Owners, State Farm, Farmers and MetLife. The only one of these that did not appear on our “best of” listing is Farmers, partly because it scores slightly lower on customer satisfaction rankings such as J.D. Power’s listing.

Any of these insurers can 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, possibly below the 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 injury 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, and many insurance experts recommend that you do so in order to provide greater 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 can save up to 30 percent 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?

The best car insurance companies for Topeka drivers include Auto-Owners, Iowa Farm Bureau, MetLife, State Farm and USAA. Finding the right one for you starts with getting quotes that fit your own circumstances. We recommend you start your search with Bankrate’s Best Car Insurance Companies for 2021 listing.

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 own 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.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.