Topeka drivers pay an average of $1,980/year — $209 more than the national average. With 1,805 crashes per year and a 2.7 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $468/year.
(888) 217-6781Estimated full coverage auto insurance rates for Topeka, KS from top carriers. Rates are adjusted for Topeka's 1,805 annual crashes, 2.7 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $752 | $125/mo |
| Shelter Insurance | $818 | $136/mo |
| Progressive | $848 | $141/mo |
| Farm Bureau | $907 | $151/mo |
| State Farm | $925 | $154/mo |
Estimates based on 2026 rate filings for ZIP 66612. GEICO is cheapest at ~$125/mo. Actual rates vary by driver profile and exact Topeka location.
These Topeka-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Topeka, KS. Takes under 2 minutes.
(888) 217-6781Topeka is a mid-size city in Kansas with a population of 126,587. While it avoids the extreme congestion of larger metros, Topeka has its own risk factors — growing commuter traffic, expanding development, and tornadoes, severe thunderstorms, hail, ice storms, flooding — that shape local auto insurance rates. Drivers in Topeka typically pay close to the Kansas state average, with significant variation by ZIP code and neighborhood.
For official Kansas insurance regulations, visit the Kansas Insurance Department. For driver licensing, see the Kansas Division of Vehicles.
Your specific ZIP code within Topeka can swing your premium by hundreds of dollars. Here's how rates compare across Topeka neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 66618 | Topeka South Side | $1,833/yr | $153/mo |
| 66617 | Topeka North Side | $1,923/yr | $160/mo |
| 66624 | Topeka West Side | $1,959/yr | $163/mo |
| 66614 | Topeka East Side | $2,041/yr | $170/mo |
| 66612 | Topeka Downtown/Central | $2,163/yr | $180/mo |
The cheapest ZIP is 66618 (Topeka South Side) at $1,833/yr. The most expensive is 66612 (Topeka Downtown/Central) at $2,163/yr — a $330/year difference for the same driver.
Your Topeka ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Topeka. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,158/yr | $347/mo | +110% vs avg |
| Young Adult (20-25) | $2,772/yr | $231/mo | +40% vs avg |
| Adult (26-35) | $1,980/yr | $165/mo | 0% vs avg |
| Mid-Career (36-50) | $1,742/yr | $145/mo | -12% vs avg |
| Senior (51-65) | $1,643/yr | $137/mo | -17% vs avg |
| 65+ | $1,762/yr | $147/mo | -11% vs avg |
Teens in Topeka pay an average of $4,158/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,643/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Kansas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Topeka drivers can save up to $468/year. ZIP 66618 (Topeka South Side) has the lowest rates starting at $1,833/yr.
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