Finest low-cost automobile insurance coverage in Topeka


Topeka drivers pay a median of $ 450 per 12 months for minimal auto insurance coverage protection and $ 1,637 per 12 months for complete protection, which incorporates collision and complete protection. Though it might appear costly, it is very important have good protection: in Shawnee County there was 4493 reported accidents within the final 12 months studied, with 26 deadly accidents.

To seek out the very best Topeka auto insurance coverage, we checked out all of the nationwide and regional insurers that write insurance policies within the space. We collected pattern quotes and checked out web sites to see how simple it was to handle an account on-line. We additionally took a take a look at what client organizations like JD Energy must say about every enterprise.

Finest Automobile Insurance coverage Firms in Topeka

To seek out the very best low-cost automobile insurance coverage in Topeka, we researched insurers who’ve written insurance policies for space residents. We appeared on the common costs and reductions obtainable first, however we additionally assessed every firm’s status for glorious customer support. We have now additionally favored financially sound and well-managed firms.

Insurance coverage firm JD Energy Rating Common annual premium for minimal protection Common annual premium for full protection
Automobile house owners 890/1000 $ 298 $ 1,206
Iowa Farm Workplace N / A $ 346 $ 1,393
MetLife 886/1000 $ 433 $ 1,932
State farm 881/1000 $ 371 $ 1,176
USAA 890/1000 $ 287 $ 1,205

Quadrant Data Companies, 2020

Automobile house owners

Auto-House owners is without doubt one of the high three insurers in america for customer support, in accordance with General satisfaction of JD Energy clients rating, so along with providing a few of Topeka’s lowest auto insurance coverage quotes, you may relaxation simple figuring out that you’re working with individuals who will resolve your claims rapidly and effectively. Auto-House owners additionally provides nice elective coverages that can assist you customise your coverage, together with roadside companies, mortgage or lease variance protection, and lowered worth protection. The corporate will waive your deductible if you happen to’re in an accident with one other Auto-House owners policyholder, and it can save you with reductions that embody a inexperienced low cost, scholar reductions, and a bundle low cost.

Iowa Farm Workplace

Regardless of its title, the Iowa Farm Bureau insures far more than farms and sells insurance policies all through the Midwest, not simply Iowa. They provide a stable vary of important and elective coverages and a protracted checklist of reductions to decrease your premium prices, together with for good driver abilities, a number of automobiles and loyalty. The one draw back with Iowa Farm Bureau is that it’s important to buy a Bureau membership, which can value $ 50, however it can save you as a lot or extra in your auto insurance coverage by selecting this supplier.


Whereas MetLife’s common annual charges are on the upper finish, your individual private charges will be affected (and lowered) by the corporate’s beneficiant reductions. The bundling of a automobile with dwelling or tenant insurance coverage, for instance, permits policyholders to save cash. common of $ 562 per 12 months. Metlife provides advantages equivalent to a restore and referral community and 24/7 customer support, in addition to elective coverages together with new automobile substitute, particular half substitute, and crash safety. id theft.

State farm

the Largest Auto Insurance coverage Coverage Author in america, State Farm has been in Kansas for a few years and understands the wants of Topeka drivers. The corporate scores nicely with JD Energy and an A ++ score with AM Finest for its monetary energy. Along with the fundamental protection choices, it additionally provides insurance coverage for rental automobiles, sports activities automobiles, and traditional and classic automobiles.

Reductions embody a number of that reward you for driving safely, together with the Drive Secure and Save program, which might earn you as much as 30% off your premium in trade for putting in a Bluetooth beacon in your automobile. which can monitor your driving abilities in actual time.


The USAA solely sells insurance policies to army personnel, veterans, and their households, and if you happen to fall into certainly one of these classes, it is perhaps a good suggestion to make the USAA the primary cease when gathering quote. Its common premiums for Topeka drivers had been the most cost effective in all of our analysis, at $ 287 per 12 months for minimal protection and $ 1,205 per 12 months for full protection. USAA excels in customer support and the corporate’s web site is powerful and complete, permitting you to handle your account on-line and achieve buyer assist. USAA Neighborhood Community.

Most cost-effective automobile insurance coverage in Topeka

Topeka’s common auto insurance coverage premium is $ 450 per 12 months for minimal protection and $ 1,637 per 12 months for full protection. It is simply across the Kansas total averages $ 410 per 12 months for minimal protection and $ 1,698 per 12 months for full protection. Each are beneath the US averages of $ 565 per 12 months for minimal protection and $ 1,674 per 12 months for full protection. Topeka’s averages are influenced by the rising variety of accidents that happen in city areas, forcing insurers to compensate for greater prices.

Insurance coverage firm Common annual premium for minimal protection Common annual premium for full protection
USAA $ 287 $ 1,205
Automobile house owners $ 298 $ 1,206
State farm $ 371 $ 1,176
Farmers $ 390 $ 1,298
MetLife $ 433 $ 1,932

Our analysis reveals that the most cost effective auto insurance coverage in Topeka comes from insurers like USAA, Auto-House owners, State Farm, Farmers, and MetLife. The one one that did not make our “better of” checklist is Farmers, partly as a result of it scores barely decrease on buyer satisfaction rankings such because the JD Energy checklist.

Any of those insurers can write a stable coverage for you with legal responsibility protection that meets state minimums, plus any elective protection you need to add. All of them additionally supply beneficiant low cost lists, lots of that are simple to earn and may considerably scale back your prices, maybe beneath annual averages.

Topeka Insurance coverage Necessities

Virtually each state in america requires you to buy a minimal quantity of auto insurance coverage to be legally on the highway. Kansas regulation requires you to have a 25/50/25 coverage. Here is what it means:

  • Legal responsibility of $ 25,000 for bodily damage (BI): Your insurer will cowl as much as this quantity for the damage of a single particular person in an accident you trigger.
  • Whole BI legal responsibility of $ 50,000: Your insurer will cowl as much as this quantity for the total value of all accidents, if a couple of particular person is injured in a at-fault accident.
  • Legal responsibility of $ 25,000 for property injury (PD): Your insurer will cowl injury to the opposite driver’s automobile or to constructions equivalent to fences or gentle poles as much as this quantity.

As well as, you should buy 25/50 of uninsured and underinsured driver protection. Additionally, you will must buy Private Damage Safety Insurance coverage (PIP), as Kansas is a faultless state.

In case you are renting your automobile or have a automobile mortgage, your lender might want you to buy collision insurance coverage and complete protection. You can even enhance your legal responsibility protection past the minimums, and lots of insurance coverage specialists suggest that you simply accomplish that so as to present higher safety within the occasion of a severe and expensive accident.

Reductions on auto insurance coverage in Topeka

For savvy cut price hunters, reductions are the easiest way to decrease premium charges so that you simply pay as little as attainable for high-quality protection. Listed below are among the reductions supplied by many insurers:

  • Reductions for Secure Drivers: Some insurers use telematics expertise, which entails putting in a small system in your automobile, to watch your driving in actual time. In case you are a protected and cautious driver, it can save you as much as 30% in your coverage prices.
  • Inexperienced reductions: Insurers might supply reductions if you happen to conform to obtain coverage paperwork by e-mail slightly than common mail and if you happen to conform to pay electronically.
  • Security units: In case your automobile is supplied with anti-lock brakes, airbags and different security units, you may get simple low cost.
  • Shopper loyalty: For those who’ve been a buyer for quite a lot of years, many insurers might give you a reduction. You can even earn one when you’ve got a number of accounts with them, for instance, by bundling your owners and auto insurance coverage.
  • Skilled Affiliations: These range relying on the insurer. Most insurers supply army reductions. Others get reductions if you happen to belong to sure skilled associations or alumni teams.

Continuously Requested Questions

What’s the finest auto insurance coverage firm?

The perfect auto insurance coverage firms for Topeka drivers are Auto House owners, the Iowa Farm Bureau, MetLife, State Farm, and USAA. To seek out the appropriate one for you, begin by getting quotes which might be best for you. We suggest that you simply begin your analysis with Bankrate’s Finest automobile insurance coverage firms for 2021 search engine marketing.

How a lot does automobile insurance coverage value in Topeka?

The common value of an auto insurance coverage coverage in Topeka is $ 450 per 12 months for minimal protection and $ 1,637 per 12 months for full protection. Your individual price will possible be completely different as a result of it’s primarily based on a number of elements distinctive to you, equivalent to your age, credit standing, marital standing, driving report, and the age and make of your automobile.


Bankrate makes use of Quadrant Data Companies to research charges for all postal codes and carriers in all 50 states and Washington, DC Charges proven are primarily based on a 40 12 months outdated female and male driver with a clear driving report , good credit score and the next complete protection limits:

  • $ 100,000 of civil legal responsibility per particular person
  • Civil legal responsibility of $ 300,000 per accident
  • Legal responsibility for property injury of $ 50,000 per accident
  • $ 100,000 of uninsured bodily damage by a motorist per particular person
  • $ 300,000 in uninsured bodily damage by a motorist per accident
  • $ 500 collision deductible
  • Full $ 500 deductible

To find out the minimal protection limits, Bankrate used minimal protection that meets the necessities of every state. Our pattern drivers personal a 2018 Honda Accord, commute 5 days every week, and journey 12,000 miles a 12 months.

These are pattern charges and will solely be used for comparability functions. Your quotes could also be completely different.

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