For a 40-year-old driver with a clean record, car insurance in Topeka, KS, averages about $208 a month ($2,490 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 6% under Kansas’ $222 monthly average. Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Topeka table, at about $140 a month.
Topeka, the state capital, costs less than most of Kansas for our benchmark driver: about $14 a month less than the Kansas average and about $33 a month less than Wichita. Of the eight Kansas cities with three or more ZIP codes in our data, only Lawrence costs less, at $201 a month.
Our data covers 11 ZIP codes with a Topeka mailing address, and full coverage varies by only about $14 a month across them. That makes your insurer, car and driving record the bigger levers when you compare Topeka, KS, car insurance quotes online. For prices across the state, see our Kansas car insurance rates guide.
Cost data comes from the auto rates insurers file with state regulators, priced across all 11 Topeka ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Auto insurance in Topeka, KS, costs about $208 a month ($2,490 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $701 a year ($58 a month), and 50/100/50 liability with comprehensive and collision averages $2,419 ($202 a month).
The statewide Kansas rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the nine, all five published in 2026, put it first, apart from USAA, which sells only to military families. Two of the others put GEICO first, one State Farm and one Nationwide. For liability-only coverage at 25/50/10 limits, averages among these six insurers run from about $31 to $83 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Topeka
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | 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 |
| USAA (military families)* | $412 | $34 | $1,245 | $104 |
| Travelers* | $621 | $52 | $1,677 | $140 |
| GEICO* | $492 | $41 | $1,729 | $144 |
| Shelter Insurance* | $951 | $79 | $2,239 | $187 |
| Topeka average | $701 | $58 | $2,490 | $208 |
This table uses Topeka ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 11 Topeka ZIP codes we price, full coverage for our driver ranges from about $201 a month in 66618 to $215 in 66616, a gap of $169 a year. 66618 is about six miles north of downtown, and 66610, the next least expensive at $202, about seven miles southwest. The priciest of the 11 Topeka ZIP codes we price are close in: 66616, about two miles northeast of downtown, and 66607 ($212), about a mile and a half east.
Lowest-priced Topeka ZIP codes
Highest-priced Topeka ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Topeka’s average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 66604 | $716 | $60 | $2,529 | $211 | +1% |
| 66605 | $687 | $57 | $2,489 | $207 | About average |
| 66606 | $718 | $60 | $2,536 | $211 | +1% |
| 66607 | $723 | $60 | $2,539 | $212 | +2% |
| 66609 | $715 | $60 | $2,494 | $208 | About average |
| 66610 | $677 | $56 | $2,428 | $202 | -3% |
| 66611 | $706 | $59 | $2,499 | $208 | About average |
| 66614 | $694 | $58 | $2,441 | $203 | -2% |
| 66616 | $738 | $62 | $2,576 | $215 | +3% |
| 66617 | $674 | $56 | $2,452 | $204 | -2% |
| 66618 | $659 | $55 | $2,407 | $201 | -3% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $71 a year on average in our Topeka data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
For our benchmark driver, full coverage isn’t going up. Comparing the five insurers that are in both sets of rates, in the same Topeka ZIP codes, their full-coverage average fell from $2,584 a year nine months earlier to $2,369 in rates as of Aug. 31, 2026, an 8.3% drop. American Family cut its Topeka average 29.4% and State Farm 8.4%, while Farmers raised its average 4.2%; Farm Bureau Financial Services’ and Progressive’s averages were unchanged. Allstate is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Topeka average above. Liability-only coverage at 25/50/10 limits rose 2.9%, led by Farmers, which raised its liability-only average 19.6%.
Shawnee County, where all 11 Topeka ZIP codes we price are, averages about $208 a month for full coverage, the fifth-least expensive of the 41 Kansas counties we price. Only Saline, Riley, Douglas and Pottawatomie counties cost less.
Even the highest-priced major insurer we compared in Topeka, Allstate, averages about $258 a month here, about $50 less than its Wichita average and $138 less than its Kansas City average.
More Kansas cities and towns are in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
Lawrence, about 25 miles east, averages $201 a month, and Manhattan, about 50 miles west, $204. Emporia, about 52 miles southwest, averages $210, and Kansas City, Kansas, about 55 miles east, $256.
Drivers in Topeka follow Kansas’ rules. Every Kansas policy must include at least:
Our guide to Kansas car insurance requirements covers the no-fault rules, proof of insurance and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Kansas law and the Kansas Department of Insurance. We refresh these figures when new rate data is released.
Auto insurance in Topeka, KS, costs about $208 a month ($2,490 a year) for full coverage and $58 a month for liability only at 25/50/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 6% below the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Topeka table, at about $140 a month, followed by GEICO at $144. USAA, which sells only to military families, is lower still, at about $104 a month. Among the six major insurers we compared, Progressive has the lowest full-coverage average, at about $171 a month, with State Farm close behind at $183. For liability-only coverage at 25/50/10 limits, averages among the six major insurers we compared run from about $31 to $83 a month. Five of the nine statewide Kansas rate studies we reviewed, all five published in 2026, rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Topeka, for our benchmark driver. Topeka full coverage averages about $208 a month and Wichita about $241, a difference of about $33 a month for the same driver and car.
In our data, 66618 has the lowest full-coverage average in Topeka, at about $201 a month, and 66616 the highest, at about $215. The ZIP code table on this page lists all 11.
In our Topeka data, full coverage (100/300/100 with $500 deductibles) averages about $208 a month and liability-only coverage at 25/50/10 limits about $58, a difference of about $150 a month ($1,789 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Kansas law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past nine months), their Topeka full-coverage average fell 8.3%, from about $2,584 to $2,369 a year. That’s lower than the Topeka average of $2,490 because it leaves out Allstate. American Family cut its Topeka average 29.4% and State Farm 8.4%, while Farmers raised its average 4.2%. Liability-only coverage at 25/50/10 limits rose 2.9%.
For our benchmark driver, full coverage in Topeka averages about $208 a month. Nearby, Lawrence averages about $201, Gardner about $199 and Leavenworth about $218. Lawrence and Gardner are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
