Best Topeka, KS Auto Insurance in 2024 (Check Out the Top 10 Companies)

Auto-Owners, American Family, and Progressive are the best Topeka, KS auto insurance with the most affordable and dependable rate beginning at $42 per month for premium coverage.

Find the cheapest car insurance in Topeka, Kansas below, and compare the most dependable coverage that perfectly fit your vehicle needs in the area.

Our Top 10 Company Picks: Best Topeka, KS Auto Insurance

Read more below to know more information like the comprehensive and collision insurance coverage. Enter your ZIP code now to begin comparing rates.

#1 – Auto-Owners: Top Overall Pick

Pros

• Budget-Friendly Coverage: Affordable plans starting at $42/month, making it an attractive choice for residents seeking economical options in Topeka.
• Exceptional Service: Known for high customer satisfaction, a key factor for those in Topeka who value reliable and responsive support.
• Versatile Discounts: Offers a variety of savings opportunities, including bundling policies, which are ideal for families in the Topeka area.

Cons

• Availability Gaps: Limited presence may leave some drivers in Topeka without access to this option. Read more through our Auto-Owners auto insurance review.
• Digital Limitations: Minimal online quote and claims tools may frustrate tech-savvy Topeka customers.

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#2 – American Family: Best for Family-Focused Discounts

Pros

• Family-Centric Savings: Provides discounts tailored for families, appealing to Topeka households with teen or multi-car policies.
• Responsive Claims Process: Ensures smooth handling of claims, crucial for Topeka drivers dealing with unexpected accidents.
• Comprehensive Options: Offers add-ons like roadside assistance, a practical choice for Topeka commuters and road trippers.

Cons

• Pricey for Singles: Single drivers in Topeka may find premiums less competitive compared to family-focused plans.
• Inconsistent Support: Customer service quality can vary depending on the Topeka branch or agent. Explore further details in our “American Family Auto Insurance Review.”

#3 – Progressive: Best for Flexible Coverage

Pros

• Customizable Policies: Flexible coverage plans and pricing tools like Snapshot cater to diverse driving needs in Topeka.
• User-Friendly Tech: Progressive’s top-notch app and online tools make it a modern choice for drivers in Topeka.
• Widespread Access: With coverage across the U.S., it’s an easily accessible option for Topeka residents.

Cons

• Claims Penalty: Drivers in Topeka may face increased premiums after filing a claim. For additional insights, refer to our “Progressive Auto Insurance Review.”
• Inconsistent Agent Experiences: Local Progressive agents in Topeka might not consistently meet customer expectations.

#4 – Dairyland: Best for SR-22 Insurance

Pros

• Tailored for High-Risk Drivers: A go-to option for Topeka drivers needing SR-22 insurance or with challenging records.
• Flexible Payments: Offers payment plans that help Topeka residents manage their budgets.
• Motorcycle Coverage: Adds value for Topeka riders who want both car and motorcycle insurance under one provider.

Cons

• Costly for Low-Risk Drivers: Topeka residents with clean records might find premiums less competitive.
• Few Benefits for Safe Drivers: Limited perks for safety-conscious Topeka drivers. Read more to know when is high-risk auto insurance required?

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#5 – State Farm: Best for Local Agent

Pros

• Local Support Network: With many agents in Topeka, drivers receive personal attention and guidance.
• Strong Reputation: A well-established provider trusted by many in the Topeka community. Learn more in our “State Farm Auto Insurance Review” article.
• Affordable Options for Good Drivers: Offers competitive rates for Topeka residents with strong driving records.

Cons

• Eligibility Limits for Discounts: Some Topeka drivers may find they don’t qualify for popular discounts.
• Mobile App Shortcomings: Topeka customers might notice the app lacks advanced features compared to competitors.

#6 – Safeco: Best for Customer Service

Pros

• Superior Service: Praised for outstanding support, ensuring Topeka drivers feel valued and well-cared for.
• Accident Forgiveness: Offers peace of mind for Topeka residents by preventing rate increases after a first at-fault accident.
• Highly Customizable Policies: Allows Topeka drivers to build coverage tailored to their specific needs.

Cons

• Sparse Local Agents: Topeka residents may have limited access to face-to-face support. Read more through our Safeco auto insurance review.
• Loyalty Dependence: Higher savings are often tied to long-term relationships, which new Topeka customers may lack.

#7 – Liberty Mutual: Best for Bundling Options

Pros

• Bundling Options: Helps Topeka homeowners and drivers save by combining policies.
• New Car Replacement: Ideal for Topeka residents who want protection for their new vehicles.
• Seamless Claims Process: Efficient online claims tools make it a practical choice for tech-savvy Topeka drivers.

Cons

• Premiums Without Bundles: Non-bundlers in Topeka may find rates less appealing.
• Rate Increases: Some Topeka residents report frequent price hikes.  See additional details in our “Liberty Mutual Auto Insurance Review.”

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#8 – Bristol West: Best for High-Risk Coverage

Pros

• High-Risk Driver Focus: Welcomes Topeka drivers with poor credit or driving records.
• Flexible Policy Terms: Adjusts easily to the needs of Topeka residents seeking non-standard coverage.
• Low Credit Impact: Offers manageable premiums for Topeka residents with lower credit scores.

Cons

• Limited Discount Options: Fewer savings opportunities for Topeka customers. Read more to know about the different Kansas auto insurances.
• Higher Rates for Low-Risk Drivers: Standard drivers in Topeka may pay more compared to other providers.

#9 – The General: Best for High-Risk Drivers

Pros

• Quick Approvals: Ideal for Topeka residents needing insurance fast.
• Budget-Friendly Payment Plans: Helps Topeka drivers spread out costs over time.
• Widely Available: A convenient option for drivers across Topeka. Read more to know about The General auto insurance review.

Cons

• Basic Coverage Options: Topeka residents looking for comprehensive or specialized policies may find choices limited.
• Expensive Premiums: Higher costs can outweigh benefits for standard-risk drivers in Topeka.

#10 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance Leader: A popular pick among Topeka residents for dependable emergency support.
• Member Discounts: Additional savings for Topeka drivers who are AAA members. Dig deeper to understand about the AAA auto insurance review.
• Reliable Support: High customer satisfaction makes it a trusted choice in the Topeka area.

Cons

• Membership Requirement: Discounts and perks are tied to AAA membership, which not all Topeka drivers may want.
• Higher Rates for Non-Members: Non-members in Topeka may find better pricing elsewhere.

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Requirements of Auto Coverage in Topeka, Kansas

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.

Topeka, KS Auto Insurance Monthly Rates by Provider & Coverage Level

If anything else happens to your vehicle – such as vandalism, theft, or an accident that wasn’t your fault – it could cost you, and without proper coverage, you might even need to rely on homeowners insurance to cover related damages.

For some drivers, especially those with less than perfect credit or a tainted driving record, average monthly rates in Kansas can be as high as $113 or more per month.

Auto Insurance Discounts From the Top Providers in Topeka, KS

However, a good credit score and clean record can get you insured for around $27/month in Topeka. Enter your ZIP code now to begin.

Factors Affecting Cheap Auto Insurance in Topeka, KS

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.

Some companies pay lip service to your purpose for driving and the miles you drive each year, but when you examine their auto insurance coverage closely, these factors often have minimal impact on your monthly premium.

For instance, the difference between driving fewer miles for work versus tens of thousands of miles for leisure may result in no more than a 4% variation.

Topeka, KS Auto Accident & Insurance Claim Statistics

However, business vehicles typically incur about 10-15% higher premiums than standard vehicles, reflecting the different risks considered in their auto insurance coverage.

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 monthly Topeka, KS auto insurance rates, 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. 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.

Make sure you do your due diligence before you commit to your next car insurance policy. Enter your ZIP code now to begin comparing rates.

Most Affordable Auto Insurance Topeka, Kansas

There are a variety of companies offering competitive rates, such as Progressive Insurance Topeka, KS, State Farm Insurance Topeka, KS, Allstate Topeka, KS and more. If all you want is a low monthly rate, it seems as though State Farm or Nationwide are your best bet.

Topeka, KS Report Card: Auto Insurance Premiums

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 adequate types of auto insurance coverage to meet your needs, or if they raise your rates at a later date.

There are quite a few candidates, including independent insurance agents in Topeka, KS that you can research, like Kansas Auto Insurance Plan Topeka, KS, Integrity Insurance Agency – Topeka, KS and more.

Topeka, KS Report Card: Auto Insurance Premiums

Auto insurance companies contemplate many variables when determining Topeka, KS auto 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 among Topeka, KS auto insurance companies. To make sure you’re still being charged the cheapest rate, compare auto insurance in Topeka, KS online. Enter your ZIP code now to begin comparing rates.