Looking for Topeka car insurance that is affordable? Bankrate’s annual quote premiums study shows that Topeka has the lowest car insurance rates.Topeka, Kansas motorists pay $450 annually for minimum coverage and $1,637 to full coverage car insurance.. Topeka’s average rates of interest are lower than theAverage national cost of car insuranceThere are many cheaper providers available.USAAAndAuto-OwnersWe offer the best rates in Topeka as well as quality service, customer support, and other options to save.
Car insurance is not only mandatory in Topeka, but with the fairly high number of accidents every year, sufficient coverage is essential. Bankrate reviewed several car insurance companies in the city to find the ones with the best combination of affordability, financial stability, customer service, coverage and discounts.
Topeka’s best car insurance company
We reviewed 2021 J.D. to find the most affordable Topeka car insurance. Scores from the Power Auto Insurance Study. Other factors included average cost, available digital tools, financial stability, customer service, and discounts. This information was gathered by Quadrant Information Services.
USAA
USAA sells policies only to veterans, military personnel, and their families. The average premium for Topeka drivers was $287/year for minimum coverage, and $1,205/year for full coverage. USAA offers a variety of coverage options and discounts that will ensure you are financially protected in case your vehicle is damaged or lost. The company also excels at customer service with a user-friendly website, allowing you to manage your account online and also get support from the USAA community network.
Auto-Owners
J.D. says that Auto-Owners is among the top five U.S. insurers for customer service. Power’s overall customer satisfaction rating in the Central region. Power is not only known for offering the best car insurance in Topeka, but also for its speedy and easy settlements of claims. Policyholders have access to excellent optional coverages that can help personalize their policy. These include roadside service, loan and lease gap coverage, diminished value coverage, and loan or lease gap coverage. If you are involved in an accident that is covered by Auto-Owners, the company may waive your deductible. The company offers discounts for students, green discount, and bundling discounts that could help you save money.
Iowa Farm Bureau
Iowa Farm Bureau is a popular Midwest insurer. They offer a wide range of standard and optional coverages and many discounts to keep your premiums down. You can save money on your driving skills, multiple car insurance, and customer loyalty. The only problem is that you will need to buy a Farm Bureau membership, which would be an annual cost. This provider may be able to save you as much as 50% on your auto insurance. Members get discounts at restaurants, hotels, and other major retailers.
State Farm
The largest writer of auto insurance policies in the U.S., State Farm has had a presence in Kansas for many years and understands the needs of Topeka drivers. J.D. is very pleased with the company. The company has an A++ rating from AM Best for financial strength and Power. It offers basic coverage, as well as insurance for classic and antique cars, sports cars, and rental cars. With one of its telematics safe driver programs, you can save up to 20-30% on your premiums while also building good driving habits.
Progressive
Progressive is the third largest insurance provider in terms of market share. They are known for their affordable rates, a wide range of coverage options, and discounts. Progressive offers many unique features beyond the standard ones. The Name Your Price tool, which takes your budget into consideration and shows you all the coverages that you can afford, is one of them. The safe driver program Snapshot could save you money for good driving habits, and for fast, convenient assistance, you could rely on the digital Flo Chatbot. Progressive offers policy bundles that can help you save even more on your premium.
Topeka has the lowest car insurance
The average Topeka car insurance premium for minimum coverage is $450 and full coverage $1,637 each year. This is right around the overall Kansas averages of $410 per year for minimum coverage and $1,698 per year for full coverage. These are lower than the U.S. medians of $565 per annum for minimum coverage and $1674 for full coverage. The average Topeka premiums are likely to be affected by the higher number of urban accidents, which means that insurers must compensate for this with higher prices.
According to our research, Topeka’s cheapest car insurance comes from the largest market share providers in the country, including Auto-Owners and Farmers. Farmers was not on our “best-of” list, but it is ranked as the second best provider in the Central region based on overall customer satisfaction.
All of these insurers can write solid policies for you that provide liability coverage that meets state minimums. You can also add any optional coverage. Many of these insurers offer a wide range of discounts that are very easy to get and can help you lower your monthly costs. Even lower than the annual average could be possible.
Insurance requirements for Topeka
Nearly every state in the U.S. requires that you have minimum car insurance to legally drive. Kansas law requires you to have a policy for 25/50/25. This is what it means:
- $25,000 bodily injury (BI), liabilityYour insurance will pay up to the amount of your injuries if you are involved in an accident.
- $50,000 total BI liability:If more than one person is hurt in an accident at fault, your insurer will pay up to the maximum amount for all injuries.
- $25,000 Property Damage (PD) Liability:Your insurance will pay up to this amount for damage to other drivers’ cars or structures like fences or light poles.
You are also required to buy 25/50 coverage for uninsured or underinsured drivers. Kansas is a no fault state so you will need to buy personal injury protection (PIP).
Your lender might require you to buy collision and comprehensive coverage if you are leasing your car or taking out a loan on your vehicle. In order to give you greater financial protection in the case of a severe, costly accident, insurance experts recommend that you increase your liability coverage beyond the minimum.
Topeka car insurance discount
Discounts are a great way to lower premium rates and get high-quality coverage for a low price. Here are some discounts offered by many insurance companies:
- Safe driver discounts:Telematics technology is a method by which insurers monitor your driving and install a small device inside your car. You could make a significant savings on your insurance costs if you’re a safe and responsible driver.
- Green discounts:Insurance companies may offer discounts to customers who agree to receive policy documents electronically rather than by postal mail. They also accept electronic payments.
- Safety featuresYou could get a discount if your car is equipped with anti-lock brakes, airbags, and other safety devices.
- Customer loyalty:Many insurers will offer a discount if you are a repeat customer for a set amount of years. If you have multiple accounts, such as bundling your homeowner and auto insurance, you may be eligible for one.
- Associations for professionals:They vary from one insurer to the next. Many insurers offer discounts to military personnel. You may also be eligible for discounts if your association is one of the alumni or professional associations.
Questions frequently asked
Which is the best auto insurance company?
You need to get quotes that are tailored to your needs before you can find the right insurance company. You could start by researching the best car insurance companies for 2021. When comparing multiple insurance companies, it is important to look at coverage options and financial stability.
What is the cost of Topeka car insurance?
An auto insurance policy for Topeka costs $450 annually for minimum coverage, and $1637 for full coverage. Rates will likely vary due to multiple factors such as your age, credit score, marital status and driving record.
How do I get affordable car insurance?
You can compare the rates of different insurance providers in your area to get an idea of what the premium might be. You might find the most affordable and best-suited provider for you based on your requirements, such as coverage options, discounts, and customer service. You can save money on your car insurance by having a clean credit history, maintaining a good credit score, and shopping around.