How much is car insurance in Topeka?

Area Average Monthly Car Insurance Premium
Topeka $59
KS $58
United States $80

Are rates in Topeka higher or lower than those in neighboring areas ? How do they compare to the rest of Kansas ? What can Topeka residents expect to pay for their car insurance ? You can find average price breakdowns based on a wide array of factors in the charts and writeups below : According to the graph 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 perch of the U.S., car policy coverage in Topeka is preferably low-cost. It ‘s about $ 21 cheaper than the national average to insure your vehicle in Topeka .
Bear in heed that while these rates represent the expected monthly payments for residents of Topeka, it does n’t mean that ‘s what you ‘ll pay. The sum that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, sex, vehicle make and exemplar, driving record, and flush your accredit grudge depending on the circumstances.

Do n’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 certain if you ‘re getting the cheapest rate for your area, merely enter your ZIP Code below and find out !
See what you ‘ll pay in good minutes

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 feel that older drivers would have more experience behind the roulette wheel, right ? That know can turn into some real savings when it comes to car 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 bite in Topeka .

Average Car Insurance Rates by Gender

Gender Average
Male $59
Female $60

car insurance rates for women are broadly cheaper than they are for men. In Topeka, however, men actually pay a little bite less than female drivers for car indemnity .

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 drive record, your rates can vary wildly. Those with clean and jerk records can expect to pay less than those with infractions. In Topeka, having a single accident on your record will normally get you rates around $ 77 a month. On a like 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 dependable you are as a driver, the cheaper your car indemnity 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 base table above, you ‘ll see that trucks and vans are normally the cheapest vehicles to insure in Topeka, with drivers paying about $ 46 per month for policy .
cable car owners can expect to pay an average of around $ 59 a month for their policy, while SUVs normally cost around $ 68 a month to insure .
In addition to vehicle type, you can besides expect to see slenderly 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 honest-to-god. 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, cable car insurance is slightly cheaper for married policyholders. This oftentimes is a consequence of owning multiple vehicles that are on the same policy, something many companies award limited discounts for .
On a national scale, married drivers typically pay less than individual drivers for car indemnity. 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 indemnity companies calculate your monthly rate. Those who own their own home in Topeka can expect to pay around $ 5 a calendar 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 policy policy with your car insurance, many companies will offer you a discount rate to make up for it and reduce your cable car insurance premiums .

Car Insurance Companies in Topeka, KS

Recent trends in car insurance for Topeka drivers

The median rates for car insurance are constantly changing, so it ‘s a good idea to know the holocene trends in your area before picking an insurance policy.

In Topeka, the rates for car indemnity 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 bunch of factors cable car policy companies will consider when deciding how much to charge for a monthly pace. Where you live will besides 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 mindful 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 motion. Get started with a template like this to get familiar with the modal rates of your area .

How can I find the cheapest car insurance in Topeka?

In the end, the only direction to know precisely what your rate will be is by requesting a quote from car indemnity 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, does all of that work for you. precisely enroll your ZIP below, answer a few questions on you and your car, and you ‘ll be comparing the cheapest quotes from a phone number of the car policy companies offering car coverage in Topeka .
Compare the cheapest quotes from dozens of indemnity companies

Topeka Insurance FAQs

What factors affect car insurance quotes in Topeka? The factors that car policy companies take into score when calculating your monthly monetary value include things you ca n’t control like your sex and long time, but besides factors like your vehicle ‘s make and model, class, drive record, credit score, a well as your marital status and cover. 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 shock on how much a cable car insurance party might charge for your policy. Companies take into consideration things like crime rates, local anesthetic laws, and parking situations when calculating your quotation — all of which can change from city to city. Which car insurance company will offer me the cheapest rate in Topeka? There is n’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 reach and model, driving record, and number of drivers on the policy. By using sites like 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 fresh job, you should consider re-evaluating your stream indemnity policy. By using services like to compare quotes from multiple companies at once, you can be certain to capture any newfangled 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. then, if you ‘ve recently moved to Topeka or it ‘s been a while since you last compared cable car policy rates, you may want to take 10 minutes and see if can save you money .

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