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.
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.