Topeka Auto Insurance Rates, Quotes, Agents & Reviews in KS

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.

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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 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

Geico
I 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.
Progressive
I 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.
Geico
I think it's about the same to be honest maybe even more
Progressive
Progressive 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 Bureau
My 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 Bureau
My 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.
Geico
I 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.
Geico
My 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 Farm
My 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.
Nationwide
They 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 General
my 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 Insurance
The premium was about $50 cheaper using AARP than it would have been at any of the other insurance companies we had been looking at.
Geico
I 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.
Geico
I just have liability coverage because my vehicle is a little older.