Everything You Need to Know

In Topeka, you are either required to have minimum insurance coverage or have proof of financial responsibility. If you choose the latter, you will need to be able to pay all damages from an accident out of pocket. This will involve having proof of financial responsibility to be able to drive legally. If you choose to purchase insurance, you will need to have at least the minimum coverages laid out by the state, which includes:

• $25,000 bodily injury per person
• $50,000 bodily injury per accident
• $25,000 property damage liability
• $25.000/$50,000 of uninsured and underinsured motorist protection
• $4500 personal injury protection per person

Although this is the minimum coverage to drive in the city, it is advisable to carry more to reduce your risk of financial problems in the event of a major accident.

Car Insurance: Topeka Rates vs. State + National Averages

The average cost for minimum insurance in the city of Topeka is $903, which is 19.7 percent above the state average and more than 40 percent higher than national averages.

Topeka Auto Insurance Costs by Insurer

Five primary insurance companies provide coverage to the residents of Topeka. The main carriers and their average annual rates are as follows.

• Iowa Farm Bureau: $1101
• State Farm: $1124
• American Family: $1175
• Progressive: $1662
• Allstate: $1759

Topeka Auto Insurance Premiums by Driver Age

A major contributing factor to the cost of your insurance premium rates in Topeka is your age. Younger drivers pay more than four times that of older drivers as they lack the driving experience and are more likely to be involved in an accident, as mentioned by ValuePenguin. Drivers that will pay the lowest rates are those in their 50s, though 60-year-olds will only pay slightly higher rates. Below is the average annual premium rate you can expect to pay based on your age.

• Teens: $5404
• 20-year-olds: $2105
• 30-year-olds: $1499
• 40-year-olds: $1432
• 50-year-olds: $1293
• 60-year-olds: $1305
• 70-year-olds: $1537

Topeka Car Insurance Premiums by Gender and Marital Status

According to The Zebra, your marital status and gender may also affect the amount you pay for your premiums, though not as much as your age or driving history. Single drivers are statistically more likely to file claims than married drivers, which leads to an average annual premium increase of around $132.
Gender plays less of a factor, with women paying about $25 more per year than males.

Average Topeka Insurance Rates after a Violation or Accident

The factor that will have the most drastic effect on your premium rates is your driving history. This is because having a history of moving violations and accidents means you are considered a higher-risk driver and more likely to file a claim.

The two citations that will increase your rates the most are DUIs and reckless driving, with the former increasing your rates to an average of $2136 and the latter bringing rates as high as $2086. Speeding tickets will cause less of a rate hike, but the increase is around $282 per year.

Having at-fault accidents on your records can also cause your premiums to go up. With an accident claim under $1000, you can expect an average premium of $1897, while an accident resulting in over $2000 in damages can end up with an annual premium of $2196.

Topeka Auto Insurance Premiums by Credit Tier

To a lesser extent, your credit rating may affect the rates you pay for car insurance. The reason for the credit score affecting your rates is that drivers with lower credit scores are more likely to file claims than those with good to excellent credit. Below you can see how your credit rating can affect the number of annual premiums you pay.

• 300-579: $2831
• 580-619: $1818
• 620-679: $1537
• 680-719: $1412
• 720-800: $1293

Expensive Topeka ZIP Codes

Location can also cause your insurance rates to be higher or lower. The more densely populated a city, the higher the traffic rates as well as the crime rates. Both these factors can lead to a higher rate of claims, which in turn causes your premiums to be higher. Below are three of the most expensive ZIP codes in Topeka to purchase car insurance.

Cheaper Topeka ZIP Codes

Smaller ZIP codes or ZIP codes in more rural areas will allow for cheaper car insurance rates. Three of the cheapest ZIP codes for car insurance in Topeka are:

List of Insurance Companies in Topeka

There are multiple car insurance companies in Topeka, which makes shopping for the best rates much easier. Choosing the company will depend on their rates and the types of coverages and services that they can provide you.

For those looking for some of the cheapest coverage in the area, State Farm is a great option, especially when looking for full coverage. American Family and Progressive are also good options for lower rates and may have better prices for younger drivers. American Family focuses more on one-on-one rep interaction, while Progressive provides most of their services online.
Allstate is known for its wide range of unique coverages, while Iowa Farm Bureau is better-known for its personalized claims process and high customer satisfaction.

No-Fault Insurance in Topeka Information

Topeka is in Kansas, which is a no-fault insurance state. The no-fault insurance coverage requirements are designed to cover the drivers, passengers, and even pedestrians involved in an accident. Unlike an at-fault state, your insurance company will pay all of your medical costs resulting from an accident and eliminate the need for any lawsuits. You will be entitled to the state minimum benefits for injuries unless you have opted for additional premiums through your insurance carrier.

Check this out if you need additional information, resources, or guidance on car insurance.

Sources:

Car Insurance | caranddriver.com

Topeka, KS Car Insurance | thezebra.com

Who Has the Cheapest Car Insurance Quotes in Kansas? | valuepenguin.com

Cheapest Car Insurance in Kansas: Everything You Need to Know | caranddriver.com

Does Credit Score Affect Car Insurance | caranddriver.com

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