Car Insurance in Topeka, Kansas
Estimated full coverage in Topeka runs about $1,360 a year ($113/month) — ▲ +6% versus the Kansas average, ranking 8th most expensive of the 8 Kansas cities we cover.
Why car insurance in Topeka costs more than the Kansas average
Insurers price by territory, and Topeka's numbers explain most of the gap. With 125,467 residents on 61.9 square miles, the city's density (2,027 people per square mile) is 4.9 times the density where the typical Kansas resident lives (413). The average commute is 16.7 minutes (Kansas: 19.7), and 76% of workers drive alone. Together these put our location factor at 1.06× the state baseline for liability and collision, and 1.05× for comprehensive once FEMA weather risk for Shawnee County is included.
| Factor | Topeka | Kansas ref. | Why it matters |
|---|---|---|---|
| Population density | 2,027 / sq mi | 413 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 16.7 min | 19.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.1% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 75.5% | — | Share of workers commuting by car. |
| Public transit to work | 0.5% | — | Transit use lowers how much residents drive. |
| Work from home | 10.9% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 9.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 70.5 | 74.6 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Topeka
Rates can change from one ZIP code to the next. Across 12 Topeka ZIP codes, our full-coverage estimate ranges from $1,300 in 66603 to $1,395 in 66605. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 66614 | 32,538 | 1,352 | 17.2 min | 5.3% | $1,335 | −2% |
| 66604 | 23,006 | 3,404 | 14.6 min | 9.8% | $1,370 | +1% |
| 66605 | 20,891 | 2,089 | 19.7 min | 4.9% | $1,395 | +3% |
| 66607 | 9,965 | 1,427 | 18.5 min | 21.2% | $1,355 | 0% |
| 66606 | 9,842 | 1,708 | 13.6 min | 12.9% | $1,315 | −3% |
| 66611 | 9,828 | 2,973 | 15.5 min | 7.9% | $1,370 | +1% |
| 66609 | 7,572 | 604 | 21.6 min | 5.5% | $1,330 | −2% |
| 66616 | 6,212 | 1,016 | 16.1 min | 11.8% | $1,305 | −4% |
| 66608 | 4,216 | 970 | 18.2 min | 6.8% | $1,325 | −3% |
| 66603 | 1,830 | 2,047 | 11.3 min | 17.9% | $1,300 | −4% |
| 66612 | 1,754 | 1,647 | 14.1 min | 39.4% | $1,315 | −3% |
| 66621 | 442 | 2,188 | 11.2 min | — | $1,305 | −4% |
Minimum car insurance in Topeka
Topeka drivers follow Kansas's rules: at least 25/50/25 liability coverage, personal injury protection, and uninsured motorist coverage. Kansas is no-fault. We estimate state-minimum coverage in Topeka at $430 a year, and $620 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | 4,500 medical PIP is required: at least $4,500 medical, $4,500 rehabilitation, $900 per month disability, $25 per day substitution services, $2,000 funeral and $900 per month survivor benefits. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist coverage is required; only limits above the 25/50 minimum may be rejected in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Uninsured motorist coverage must include an underinsured motorist provision. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Risk factors that shape Topeka premiums
Accidents
Kansas recorded 339 traffic deaths, or 1.07 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Kansas's vehicle theft rate is 215 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Shawnee County as relatively moderate for hail, relatively moderate for inland flooding and relatively moderate for strong wind.
Traffic & commuting
4.1% of Topeka commuters spend an hour or more getting to work, and there are 1.64 vehicles per household. 10.9% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 87.4 | Comprehensive (car); roof claims (home) | |
| Tornado | 95.9 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 90.0 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 79.5 | Comprehensive; dwelling | |
| Winter weather | 98.9 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Topeka by driver profile
A clean-record driver in their 50s pays the least in our Topeka model (about $1,250 for full coverage); an 18-year-old on their own policy pays about $3,735, and a DUI pushes a 30-something to $2,515.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,175 | $1,705 | $3,735 | $311 |
| Young adult (22) | $685 | $995 | $2,175 | $181 |
| Adult in their 30s | $430 | $620 | $1,360 | $113 |
| Adult in their 50s | $395 | $570 | $1,250 | $104 |
| Senior (72) | $480 | $695 | $1,520 | $127 |
| 30s, one at-fault accident | $620 | $900 | $1,970 | $164 |
| 30s, DUI on record | $790 | $1,150 | $2,515 | $210 |
Minimum vs. standard vs. full coverage in Topeka
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $430 | $36 | $350–$505 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $620 | $52 | $510–$730 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,360 | $113 | $1,115–$1,605 |
Estimate your premium in Topeka
Runs in your browser — nothing you enter is stored or sent to insurers.
Cheap car insurance in Topeka: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Topeka's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $105 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $95 | You're among the 10.9% of Topeka workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $405 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $740 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $295 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Topeka
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 40 offices listed below.
- Check complaint records with the Kansas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Topeka, our estimates differ by up to $95 a year between neighborhoods.
Car insurance agents near Topeka, KS
We found 40 insurance offices within about 6 miles of central Topeka, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
Sterling Select Insurance Agency, Inc.
1823 Southwest Macvicar Avenue, Topeka, KS 66604 -
Eric J Finck - Farmers Insurance
1200 S Kansas Ave, Topeka, KS 66612 -
Kade Meyer - State Farm
1000 S Kansas Ave, Suite 103, Topeka, KS 66612 -
Mashayla Mason - American Family Insurance
2222 SW 29th St, Ste 226, Topeka, KS 66611 -
Shipman & Associates, Inc.
2900 SW Topeka Blvd, Topeka, KS 66611 -
Brian Green - Allstate
2859 S Kansas Ave, Topeka, KS 66611 -
Justin Lee Gabbard - Farmers Insurance
1315 SW 6th Ave, Topeka, KS 66606 -
Farmers Insurance
608 Southwest Washburn Avenue, Topeka, KS 66606 -
Julie Fischer - State Farm
2023 SW Gage Blvd, Topeka, KS 66604 -
American Family Insurance
119 Southeast 6th Avenue, Topeka, KS 66603 -
Michael R McNary - Farmers Insurance
1139 SW Gage Blvd, Topeka, KS 66604 -
Mike Rumford - Allstate
2030 SW McAlister Ave, Topeka, KS 66604 -
Jarred G White - Farmers Insurance
220 SW 33rd St, Topeka, KS 66611 -
Ryan Mohwinkle - State Farm
3625 SW 29th Street, Ste 204, Topeka, KS 66614 -
State Farm
4109 Southwest 29th Street, Topeka, KS 66614 -
Kansas Builders Insurance Group
2101 Southwest 36th Street, Topeka, KS 66611 -
Brett Michael Lackey - Farmers Insurance
3641 SW Plass Ave, Topeka, KS 66611 -
Peter Bellucci Agency, Inc.
921 SW 37th St, Ste B, Topeka, KS 66611 -
Luis D De la Cruz - Farmers Insurance
2001 SE California Ave, Topeka, KS 66607 -
Denny & Associates LLC
2123 SW 37th St, Topeka, KS 66611 -
Sarah Mack Agency, Inc
5304 SW 17th St, Topeka, KS 66604 -
Andrew Linton - State Farm
5020 SW 28th Street, Suite 101, Topeka, KS 66614 -
Todd Shepard - State Farm
1906 SE 29th Street, Topeka, KS 66605 -
Jennifer Swisher - Farmers Insurance
5040 SW 28th St, Topeka, KS 66614 -
Cameron Jonson - Farmers Insurance
5100 SW 10th Ave, Topeka, KS 66604 -
Aaron P Westmoreland - Farmers Insurance
5375 SW 7th St, Topeka, KS 66606 -
Brunenn & Associates, Inc.
2150 SW Westport Dr, Topeka, KS 66614 -
Brad Noller - American Family Insurance
3620 SW Fairlawn Rd, Ste 230, Topeka, KS 66614 -
Layne Keller - State Farm
5851 SW 29th Street, Topeka, KS 66614 -
Chanda Beers Agency LLC
2900 SW Wanamaker Dr, Ste 103, Topeka, KS 66614 -
AAA Insurance
1223 Southwest Wanamaker Road, #100, Topeka, KS 66604 -
Shelter Insurance
2110 Southwest Brandywine Lane, #110, Topeka, KS 66614 -
Dan D Key - Farmers Insurance
5942 SW 29th St, Topeka, KS 66614 -
Shelter Insurance
2701 Southwest Wanamaker Road, Topeka, KS 66614 -
Farm Bureau Financial Services
6028 Southwest 29th Street, Topeka, KS 66614 -
Figgs & Associates, LLC
6220 SW 29th St, Ste 400, Topeka, KS 66614 -
Luthi & Associates, INC
420 NE Lyman Rd, Topeka, KS 66608 -
Gary Lucas - State Farm
2712 N Topeka Blvd, Suite 104, Topeka, KS 66617 -
Brian Green - Allstate
6730 SW 29th St, Topeka, KS 66614 -
Jim Garrison - State Farm
6750 SW 29th St, Topeka, KS 66614
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Topeka
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,015 | −25% |
| Subaru Outback | Wagon | $1,030 | −24% |
| Tesla Model 3 | Midsize car | $1,405 | +3% |
| Subaru Forester | Small SUV | $1,010 | −26% |
| Honda Civic | Compact car | $1,510 | +11% |
| Toyota Corolla | Compact car | $1,415 | +4% |
| Jeep Wrangler | Midsize SUV | $1,070 | −21% |
| Mazda CX-5 | Small SUV | $1,130 | −17% |
| MINI Cooper | Subcompact car | $1,020 | −25% |
| Tesla Model Y | Midsize SUV | $1,265 | −7% |
Car insurance in nearby Kansas cities
- Lawrence $1,420/yr · 24 mi
- Lenexa $1,380/yr · 48 mi
- Olathe $1,415/yr · 48 mi
- Kansas City $1,395/yr · 52 mi
- Shawnee $1,410/yr · 53 mi
- Overland Park $1,415/yr · 54 mi
- Wichita $1,405/yr · 129 mi
All Kansas cities and state rules · Homeowners insurance in Topeka
Frequently asked questions
How much is car insurance in Topeka, KS?
We estimate full coverage in Topeka at about $1,360 a year ($113 a month) for a driver in their 30s with a clean record, and about $430 for Kansas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Topeka more expensive than the Kansas average?
Our Topeka estimate is 6% higher than the statewide figure. The model reflects a population density of 2,027 people per square mile (the typical Kansas resident lives at about 413) and an average commute of 16.7 minutes versus 19.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Topeka?
Drivers in Topeka follow Kansas law: at least 25/50/25 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Topeka has the cheapest car insurance?
Among Topeka's 12 ZIP codes, 66603 has the lowest estimate (about $1,300 a year for full coverage) and 66605 the highest (about $1,395), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Topeka?
An 18-year-old with their own full-coverage policy would pay around $3,735 a year in Topeka by our estimate ($1,175 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Topeka?
Yes. FEMA's National Risk Index rates Shawnee County for tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Topeka?
We list 40 insurance offices in and around Topeka, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- K.S.A. 40-3107 (required motor vehicle liability policy provisions)
- K.S.A. 40-3103 (PIP benefit definitions)
- K.S.A. 40-3117 (tort threshold)
- K.S.A. 40-284 (uninsured/underinsured motorist coverage)
- Kansas Department of Insurance: Auto
- Kansas Department of Insurance: File an Insurance Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Topeka and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places