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In the market for auto insurance in Topeka? At AutoInsuranceEZ.com, you will find the very best insurance rates where you live. To get free car insurance quotes from the major providers today, provide your zip code into the quote box on this page.

Topeka has always been on the forefront of societal development. During its early history, it was not only a popular town during US westward railroad expansion, but it was also a popular settlement for anti-slavery advocates who were ahead of their time. Topeka has also been cited as a global pioneer in the fight against mental illness. Today, the city is a highly desirable destination for many different Fortune 500 businesses.

  • Fun fact: Did you know that Topeka is #1 on the list of “Top 101 cities with largest percentage of females working in industry: Rail transportation (population 50,000+)”? Learn more about Topeka, KS.

Auto Insurance Coverage Requirements in Kansas

Driving legally in Topeka requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

If you’re trying to save money by only buying the minimum insurance coverage needed, remember that Liability coverage only pays claims if you get into an accident that was your fault. If anything else happens to your vehicle – such as vandalism, theft, or an accident that wasn’t your fault – it could cost you.

For some drivers, especially those with less than perfect credit or a tainted driving record, average monthly rates in Alabama can be as high as $113 or more per month. However, a good credit score and clean record can get you insured for around $27/month* in Topeka!

Average Monthly Auto Insurance Premiums Legend: Topeka State Farm Allied American Family Safe Auto Nationwide 5 10 15 20 25 30 $26 $26 $24 $32 $27

 

If all you want is a low monthly rate, it seems as though State Farm or Nationwide are your best bet. However, a low monthly premium could cost you more money in the long run if your provider doesn’t offer good customer service, a simple claims process, or raises your rates at a later date.

Auto insurance companies contemplate many variables when determining insurance quotes, including gender, accident claims, credit score/rating, driving distance to work, and multiple cars and drivers. Also keep in mind that premiums change from provider to provider. To make sure you’re still being charged the cheapest rate, compare cheap Kansas auto insurance quotes online.

Major Car Insurance Factors in Topeka

There are many ways your car insurance rate can be estimated. But not all of it is out of your control; there are actions you can take so that you can influence what discounts you are entitled to get. Listed below are some of these elements in greater detail:

  • Your Zip Code

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Topeka is 127,679 and the median household income is $41,327.

Auto Insurance by Zip Code Legend: Kansas City Wichita Topeka Olathe Overland Park State Farm Allied American Family Safe Auto Nationwide 5 10 15 20 25 30 35 $29 $31 $26 $28 $28 $31 $31 $26 $27 $29 $31 $31 $24 $26 $26 $38 $38 $32 $33 $38 $26 $30 $27 $26 $27

 

  • Automotive Accidents

Zip codes with a high rate of reported accidents tend to have higher insurance rates, on average. In 2013, there were 5 reported accident-related fatalities in Topeka, which was down from the previous year.

Fatal Accidents in Topeka, KS Legend: Topeka Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 5 6 5 6 4

 

  • Auto Thefts in Topeka

Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. The total number of stolen vehicles in Topeka was 569 in 2013. This is a much higher rate than a few years ago. If you are concerned about auto theft, talk to your insurer about comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Farm Allied American Family Safe Auto Nationwide 15 30 45 60 75 90 105 120 135 $26 $76 $26 $48 $24 $88 $32 $138 $27 $70

 

  • Your Credit Score

Most people don’t realize how important their credit score is when determining their automobile insurance premiums. If you have poor credit, your monthly rate can be as high as double or triple that of someone with an excellent credit history.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm Allied American Family Safe Auto Nationwide 5 10 15 20 25 30 35 40 45 50 55 $21 $49 $23 $36 $20 $44 $27 $59 $24 $38

 

  • Your Age

Young drivers are statistically more likely to cause car accidents than any other type of driver. Because of this, they are charged much more for their monthly premiums than older drivers. However, you should look into discounts for teens, such as Good Student discounts, or discounts for taking Drivers Ed.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Farm Allied American Family Safe Auto Nationwide 25 50 75 100 125 150 175 200 225 $26 $94 $26 $104 $24 $72 $32 $240 $27 $80

 

  • Your Driving Record

The more tickets, citations, and violations you have on your driving record, the higher your monthly premiums will be. Furthermore, if you have some serious mistakes on your record, such as a DUI, your insurance company may refuse to cover you at all.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Allied American Family Safe Auto Nationwide 5 10 15 20 25 30 35 40 45 50 55 60 65 $26 $28 $28 $31 $26 $33 $66 $43 $24 $24 $24 $33 $32 $39 $55 $55 $27 $35 $68 $45

 

  • Your Vehicle

Luxury vehicles will cost more to replace, and also require more coverage, hence the extra expense. Less expensive and fairly common cars, however, typically don’t cost as much to insure.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Allied American Family Safe Auto Nationwide 15 30 45 60 75 90 105 120 135 150 $26 $112 $26 $59 $24 $139 $32 $151 $27 $88

 

Minor Car Insurance Factors in Topeka

Of course, there are also these other premium-altering factors:

  • Your Marital Status

When it comes to discounts associated with your marital status, most companies have very different opinions on whether married or single people should pay more. But one advantage that married couples have are bundling discounts. If you bundle your insurance policy with that of your spouse, or your homeowner’s insurance, you can get some pretty substantial discounts.

  • Your Gender

Believe it or not, most insurance companies don’t charge radically different rates for males or females. Some companies might charge 2-3% more based on gender. However, the growing trend is to charge adults the same monthly rate, regardless of gender. Check with your provider for more information.

  • Your Driving Distance to Work

While a work commute of 13-21 minutes is about average for the typical Topeka employee, a slightly shorter time of 10-15 minutes is also likely. And while there are many different ways to get to work, the vast majority of residents choose to drive their own car in alone (around 80%). Between 6-20% or so carpool with co-workers.

Some companies pay lip service to your purpose for driving, as well as the miles you drive each year. However, when you analyze the data, most of these factors barely make a dent in your monthly premium – for example, there may be no more than a 4% difference between driving fewer miles for work and tens of thousands of miles for pleasure each year. However, business vehicles tend to have about 10-15% higher premiums than regular vehicles.

  • Your Coverage and Deductibles

Want more than minimum coverage, but don’t have a lot of money? You might consider raising your deductible. A higher deductible can lower your monthly rate, while opening up room in your budget for more coverage.

  • Education in Topeka, KS

For those who want to save money on their car insurance, furthering your education might be a good idea (even more than getting a better job, or asking for a raise). Not only can it help with long-term career goals, but insurance providers like giving discounted rates to motorists with advanced degrees. The largest segment of Topeka drivers has at least a high school diploma, with a bachelor’s degree being the next most popular level of education.

If you’re looking for a degree in Business, Law, Nursing, or Arts and Sciences, Washburn University has you covered. It is a public institution with scores of different degrees available to more than 7,000 students. Other schools located in Topeka include the local campuses of Friends University and Baker University, in addition to nearly a dozen other technical schools.

Unfortunately for most insurance companies, a simple search on the internet can uncover many of their industry secrets. But even with the proper information, it can still be difficult for you as an individual to determine your risk profile and find low-cost insurance. Make sure you do your due diligence before you commit to your next car insurance policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Kansas Department of Insurance

Kansas Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Calculate YOUR auto insurance risks by entering your Zip Code into the calculator below.

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