Topeka is one of the better-priced big cities in Kansas for car insurance. Our benchmark driver pays about $208 a month for full coverage here, 7% below the state average and about $33 a month less than in Wichita. Of the state’s five largest cities, only Olathe comes in lower.
Prices are also unusually consistent across town. The 11 Topeka ZIP codes in our data sit within $14 a month of each other, so where you live in the city matters less than which insurer you choose.
How Much Does Auto Insurance Cost in Topeka, KS?
Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services.
- State Minimum Liability: about $58 a month ($701 a year), 7% below the Kansas average.
- Full Coverage: about $208 a month ($2,490 a year) for 100/300/100 limits with $500 deductibles.
Filed-rate averages from Quadrant Information Services for one benchmark driver (single, 40, good credit, clean record, 2024 Toyota Camry LE) across 11 Topeka ZIP codes, from 66604 to 66618. Methodology.
Cost data comes from insurers’ filed auto rates across the 11 Topeka ZIP codes we price, compiled by Quadrant Information Services and updated as new rates are filed.
Which Company has the Cheapest Car Insurance in Topeka?
- Progressive has the lowest full-coverage average in our Topeka data at about $171 a month ($2,050 a year), about $12 a month below State Farm ($183).
- Farmers ($188) and American Family ($194) round out the middle; Farm Bureau Financial Services and Allstate cost $80 or more a month above Progressive.
- State-minimum liability averages about $58 a month across the six insurers. The table shows each company’s minimum-coverage price.
The table covers Topeka ZIP codes only, so it reflects city pricing, not the statewide averages. Travelers and GEICO, at the bottom of the table, often come in lower still.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| Progressive | $375 | $31 | $2,050 | $171 |
| State Farm | $594 | $50 | $2,193 | $183 |
| Farmers | $762 | $64 | $2,258 | $188 |
| American Family | $913 | $76 | $2,324 | $194 |
| Farm Bureau Financial Services | $561 | $47 | $3,019 | $252 |
| Allstate | $1,000 | $83 | $3,097 | $258 |
| Travelers* | $488 | $41 | $1,807 | $151 |
| GEICO* | $416 | $35 | $1,917 | $160 |
| Shelter* | $784 | $65 | $2,349 | $196 |
How Topeka Compares to Other Kansas Cities
Topeka ranks 63rd of the 74 Kansas cities in our sample for full-coverage cost, so most of the state pays more. For comparison, full coverage averages about $241 a month in Wichita, $256 in Kansas City and $201 in Lawrence, 25 miles east.
Inside Topeka, 66618 in the north has the lowest full-coverage average in our data (about $201 a month) and 66616 in the Oakland area has the highest (about $215). That $14 range is one of the tightest of any large Kansas city.
Higher liability limits are cheap here: full coverage at 100/300/100 costs only about $6 a month more than the same policy at 50/100/50.
Nearby Kansas city guides: same driver, same coverage, filed rates as of August 31, 2026.
Every Kansas city we price is in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
How Much Car Insurance Do I Need in Kansas?
Every vehicle registered in Topeka must carry at least Kansas’s legal minimum liability coverage, as set by the Kansas Department of Insurance. At minimum, that means:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- Personal injury protection (PIP): $4,500 per person for medical care, $900 a month for up to a year of lost income, $4,500 for rehabilitation, $2,000 for funeral costs and $25 a day for in-home help
- Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident
Those limits keep you legal, but they won’t fix your own car. Topeka’s history with severe storms, including the 1966 tornado that crossed the city, is why most local drivers with a newer or financed car keep comprehensive coverage. In our data, full coverage runs about $150 a month more than a minimum policy.
How to Save Money on Your Auto Policy
In Topeka the gap between insurers ($87 a month between the cheapest and most expensive in our data) is far bigger than the gap between neighborhoods. Start there:
- Price at least three insurers: Progressive, State Farm and Farmers were all within $17 a month of each other on full coverage in our data, so quotes from all three are worth getting.
- Keep the higher liability limits: Moving from 50/100/50 to 100/300/100 adds only about $6 a month in Topeka.
- Bundle if you own or rent: Home or renters coverage with the same company is one of the most common multi-policy discounts.
- Adjust deductibles carefully: A higher comprehensive and collision deductible lowers your premium, but hail claims are common in northeast Kansas, so choose one you could actually pay.
- Re-shop at renewal: Rates change with each filing. Comparing quotes every year is the easiest way to avoid overpaying.
For a 40-year-old Topeka driver with a clean record, full coverage costs about $208 a month ($2,490 a year) and state-minimum liability about $58, using insurers’ filed rates as of August 31, 2026. That is about 7% below the Kansas average. Progressive has the lowest full-coverage average in our Topeka data at about $171 a month.
It’s worth comparing more than your auto policy while you’re at it — if you’re also shopping for home insurance in Kansas, you can compare current Kansas home insurance rates here.
Want to save even more? Bundling your car with Kansas home insurance rates usually earns a multi-policy discount, so price both together.
How We Calculated Topeka Car Insurance Rates
InsuranceQuotes analyzes insurers’ filed auto rates compiled by Quadrant Information Services, which models premiums from the rate filings insurers submit to state regulators. This page uses rates in effect on August 31, 2026.
- Sample: 154 quotes (77 full coverage and 77 state minimum) from 7 insurance companies, grouped into 6 brands, in 11 Topeka ZIP codes.
- Driver: a single 40-year-old man, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE he owns, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the coverage Kansas requires: 25/50/25 liability, PIP and uninsured/underinsured motorist coverage.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the city’s ZIP codes. The city average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business.
- Other insurers: when an insurer’s filed rate for this driver isn’t in our data yet, its average is estimated from 2026 published rate studies and scaled to the same driver and coverage. Those insurers aren’t used for our cheapest-insurer rankings.
- What this isn’t: a quote. These are modeled filed rates for one driver profile. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Kansas coverage requirements come from the Kansas Insurance Department’s auto shopper’s guide. We refresh these figures when new filed-rate data is released.
About $208 a month ($2,490 a year) for full coverage and $58 a month ($701 a year) for state-minimum liability, for our benchmark 40-year-old driver, based on insurers’ filed rates as of August 31, 2026. That’s about 7% below the Kansas averages of $222 and $63 a month.
Every Kansas policy must include liability of at least $25,000 per person and $50,000 per accident for injuries and $25,000 for property damage, uninsured/underinsured motorist coverage at 25/50, and PIP that pays at least $4,500 per person for medical care plus lost-wage, rehabilitation and funeral benefits. Topeka has no local rules beyond the state’s.
Each driver’s own personal injury protection pays their medical and wage losses up to the policy limits, whoever caused the crash. Lawsuits for pain and suffering are allowed only once medical bills reach $2,000 or for serious injuries like a permanent injury or a fracture to a weight-bearing bone. Property damage is still handled through the at-fault driver’s liability coverage.
Progressive, at about $171 a month for full coverage in our Topeka data, followed by State Farm at $183 and Farmers at $188. Travelers and GEICO often price below all of them in Kansas rate studies, so line up a few quotes before you pick. See how Topeka compares with other cities on our Kansas car insurance rates page.
Yes. Full coverage averages about $208 a month in Topeka versus about $241 in Wichita, a difference of roughly $33 a month or $398 a year for the same driver and coverage.
Your ZIP code matters little in Topeka: our 11 ZIP codes are within $14 a month of each other. Your insurer matters a lot, with $1,047 a year separating the cheapest and most expensive for the same policy. Keep comprehensive if your car is newer or financed, since storm damage is a real risk in northeast Kansas.
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
