Topeka, KS Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Topeka, KS, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Car insurance premium in Topeka, Kansas is the lowest for 55-year-old women
Zimlon’s recent analysis of car insurance policies in Topeka city, KS, shows that the cheapest premiums are paid by 55-year-old women, at $211. On the other hand, the most expensive premium rates are paid by 16-year-old males, starting at $915. For this analysis, Zimlon used data published by the Kansas Insurance Department. The coverage criteria for the insurance premiums were as follows: deductible rate and the comprehensive and collision rate at $1,000 each, the bodily injury per person and the property damage per accident limit were at $100,000 each, and the bodily injury per accident limit was $300,000. The car chosen was a 2013 Toyota Camry 4-door sedan.
The company that charges the most expensive premium for the cohort of 16-year-old male drivers is Progressive Northwest Insurance Company, at $5,447. The second most expensive premium rate is paid by 16-year-old female drivers, at $4,852. It is offered by the same company as with the previous cohort.
The cheapest premium of $211 for 55-year-old women is offered by Geico Advantage Insurance Company. The next cheapest premium rates are for 35-year-old females ($225) and for 35-year-old males ($226).
If you are a 16-year-old male, you are likely to be charged very high premium rates. But if you choose smartly, then your chances of saving are also the most significant. This claim is backed by the fact that the greatest difference between the 75th and 25th percentile in premium rates is for this cohort, at $1921. The second most significant difference (at $1,402) is for premiums paid by 16-year-old females.
The following graph compares premium rates across customer cohorts, in Topeka, Kansas.
The following table compares the car insurance premiums for key cohorts in Topeka, KS, and the differences between the 75th and 25th percentile in premium rates.
| Cohort | Cheapest Car Insurance Companies in TOPEKA, KS | Most Expensive Car Insurance Companies in TOPEKA, KS | Median Car Insurance Companies in TOPEKA, KS | 25th Percentile of Car Insurance Premiums in TOPEKA, KS | 75th Percentile of Car Insurance Premiums in TOPEKA, KS | Dollar Difference between 75th and 25th Percentiles | Percentage Difference between 75th and 25th Percentiles |
|---|---|---|---|---|---|---|---|
| 35-year-old females | Geico Advantage Insurance Company ($225) | Standard Fire Insurance Company ($988) | Farmers Insurance Company Inc ($509) | Geico Secure Insurance Company ($365) | SAFECO Insurance Company of America ($636) | $271 | 42.61% |
| 16-year-old females | Upland Mutual Insurance, Inc. ($649) | Progressive Northwestern Insurance Company ($4,852) | Nationwide Insurance Company of America ($1,583) | Geico Secure Insurance Company ($1,139) | Standard Fire Insurance Company ($2,541) | $1,402 | 55.18% |
| 55-year-old females | Geico Advantage Insurance Company ($211) | LM General Insurance Company ($886) | Farmers Insurance Company Inc ($444) | Shelter Mutual Insurance Company ($324) | SAFECO Insurance Company of America ($551) | $227 | 41.2% |
| 21-year-old females | Geico Choice Insurance Company ($319) | Standard Fire Insurance Company ($1,405) | Alliance Indemnity Company ($752) | American Family Insurance Company ($596) | Allied Property and Casualty Insurance Company ($1,021) | $425 | 41.63% |
| 70-year-old males | Geico Advantage Insurance Company ($244) | LM General Insurance Company ($931) | Farmers Insurance Company Inc ($478) | Farm Bureau Property & Casualty Insurance Company ($353) | Nationwide Insurance Company of America ($664) | $311 | 46.84% |
| 70-year-old females | Geico Advantage Insurance Company ($231) | LM General Insurance Company ($947) | Farmers Insurance Company Inc ($430) | Farm Bureau Property & Casualty Insurance Company ($353) | SAFECO Insurance Company of America ($557) | $204 | 36.62% |
| 21-year-old males | Geico Choice Insurance Company ($323) | Esurance Property and Casualty Insurance Company ($1,737) | Progressive Direct Insurance Company ($895) | Farm Bureau Property & Casualty Insurance Company ($701) | Allied Property and Casualty Insurance Company ($1,173) | $472 | 40.24% |
| 16-year-old males | Geico Choice Insurance Company ($915) | Progressive Northwestern Insurance Company ($5,447) | Allied Property and Casualty Insurance Company ($1,685) | USAA Casualty Insurance Company ($1,241) | Standard Fire Insurance Company ($3,162) | $1921 | 60.75% |
| 55-year-old males | Geico Advantage Insurance Company ($227) | LM General Insurance Company ($936) | Progressive Northwestern Insurance Company ($459) | Shelter Mutual Insurance Company ($324) | Nationwide Insurance Company of America ($626) | $302 | 48.24% |
| 35-year-old males | Geico Advantage Insurance Company ($226) | Standard Fire Insurance Company ($1,031) | Progressive Direct Insurance Company ($507) | Geico Secure Insurance Company ($387) | Nationwide Insurance Company of America ($671) | $284 | 42.32% |
Factors that can influence the cost of car insurance in Topeka, KS are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Topeka, KS Auto Insurance Rates
- Topeka, KS Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Topeka, KS
- Multi Vehicle Insurance Savings in Topeka, KS
- How Credit Score Affects Car Insurance Rates in Topeka, KS
- How DUI Affects Auto Insurance Premiums in Topeka, KS
- How Driving Violations Affect Auto Insurance Rates in Topeka, KS
- Topeka, KS Auto Insurance Discounts on Anti Theft Feature
- Topeka, KS Auto Insurance Company Reviews
Topeka, KS Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Topeka, KS with that of other cities in and around Topeka.
| Topeka | Grantville | Soldier | Kaw | Shawnee County | Tecumseh | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,231 | $1,424 | $1,518 | $1,491 | $1,480 | $1,512 |
Topeka, KS Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Topeka, KS based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Topeka | $1,966 | $1,661 |
| Shawnee County | $2,629 | $2,220 |
| Tecumseh | $1,224 | $1,034 |
| Grantville | $1,172 | $990 |
| Menoken | $1,489 | $1,258 |
| Soldier | $1,255 | $1,060 |
| Williamsport | $2,007 | $1,696 |
| Kaw | $1,357 | $1,146 |
Topeka, KS Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Topeka, KS usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,994 |
| 20 Years | $1,582 |
| 30 Years | $1,218 |
| 40 Years | $1,172 |
| 50 Years | $1,085 |
| 60 Years | $1,101 |
| 70 Years | $1,281 |
Topeka, KS Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Topeka, KS can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,117 | $345 |
| 3 Vehicles | $3,176 | $517 |
| 4 Vehicles | $4,235 | $689 |
Savings on 2 Vehicles bundle:$345
Savings on 3 Vehicles bundle:$517
Savings on 4 Vehicles bundle:$689
Topeka, KS Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Topeka, KS.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Topeka | $1,231 | $2,052 |
| Shawnee County | $1,480 | $2,467 |
| Tecumseh | $1,512 | $2,520 |
| Grantville | $1,424 | $2,374 |
| Menoken | $1,533 | $2,555 |
| Soldier | $1,518 | $2,530 |
| Williamsport | $1,509 | $2,515 |
| Kaw | $1,491 | $2,485 |
Topeka, KS Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,056 |
| Excellent (740-799) | $1,206 |
| Good (670-739) | $1,283 |
| Average (580-669) | $1,673 |
| Poor (300-579) | $2,008 |
Topeka, KS Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$54 | $1,285 |
| Driver's Failure In Showing Documents | +$119 | $1,350 |
| Driving With An Expired Registration | +$127 | $1,358 |
| Driving At A Considerably Slow Pace | +$267 | $1,498 |
| Using A Cellphone While Driving | +$282 | $1,513 |
| Running A Red Light | +$287 | $1,518 |
| Speeding | +$302 | $1,533 |
| Driving A Vehicle Without The Required Permission | +$383 | $1,614 |
| Driving With An Expired/Suspended License | +$830 | $2,061 |
Topeka, KS Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,182 |
| Active Disabling Device | $1,182 |
| Tracking Device | $1,157 |
| Passive Disabling Device | $1,145 |
Latest Auto Insurance Reviews in Topeka, KS | Back to Top
GeicoI am satisfied with my company, but not in love with car insurance rates. I have never had a claim, so I don't know how good they are at handling that.
ProgressiveI have never filed a claim with my home insurance company. However, every representative I have spoken with about something or another has been very polite, audible, patient, and thorough.
GeicoI think it's about the same to be honest maybe even more
ProgressiveProgressive home insurance company giving good deductible offer while we are having a money in hand means we will pay advance installment for future pay.
Farm BureauMy car insurance provider which is VA Farm Bureau as mentioned before has good customer service and have always been accessible when needed. I have had a couple claims in my time as a customer and have no issue.
Farm BureauMy car insurance provider which is VA Farm Bureau as mentioned before has good customer service and have always been accessible when needed. I have had a couple claims in my time as a customer and have no issue.
GeicoI think Geico is compared with other auto insurance companies. I would rate them a 2 on the sale as I think they a fairly good job trying to be better than other companies.
GeicoMy premium is the cheapest that I can find. I've looked at other companies and have never been able to beat their premiums. Some people say they're higher for them and others say they're lower for them
State FarmMy insurance company calls me every single day multiple times a day whenever I make a minor change so it's extremely annoying and they need to work on that.
NationwideThey have always been accommodating and able to help us out when needed. They have also always been able to cover and incidents that we have had.
National Generalmy auto insurance company is relatively new to us. we changed three months ago. we are very satisfied with our policy with this company. we have towing and roadside assistance that we did not have previously. this policy is also cheaper and has a local office. we rate our insurance a 1
Aarp Auto InsuranceThe premium was about $50 cheaper using AARP than it would have been at any of the other insurance companies we had been looking at.
GeicoI am not really sure what I like or don't like when it comes to accessibility. They are a big company that you call a 1-800 number for so it's 24/7 access so I'd say that is good. They have no actual offices but I don't really care about that as long as I can get ahold of someone if needed.
GeicoI just have liability coverage because my vehicle is a little older.