On average, the cost of full coverage car insurance in Topeka is $1,572 per year. This is lower than the U.S. national average of $1,674 and the average car insurance cost in Kansas, which is $1,698 per year for full coverage.
The average cost of car insurance in Topeka is lower than the national average.
The cost of car insurance in Topeka varies depending on several factors. These include, but are not limited to, driving history, age, gender, make/model of your vehicle, and home zip code. Residents in some zip codes pay higher premiums than residents in other zip codes due to collective driving records and higher incidents of crime, such as car theft.
Obtaining a full coverage auto insurance policy is important if you want to be protected as much as possible against out-of-pocket bills resulting from accidents and other events. Luckily, Topeka drivers can take advantage of safe driver discounts, provided their account remains in good standing with no claims, infractions, or accidents over a certain period. Note, zip codes are one factor in pricing, and underwriters look at statistics such as stolen vehicle claims, stolen property claims, vandalism claims, and others in an area.
Topeka Car Insurance Rates by Zip Code
Zip codes affect what one pays for coverage. Each zip code has an ever-changing number of stolen vehicle claims, stolen property claims, vandalism claims, and others that affect premiums. Insurers are tasked with reviewing the claims history for all drivers within a designated geographic area. The higher the number of claims in a geographic area, the higher the premiums.
Topeka, Kansas, has 16 zip codes. The average monthly rates for each zip code based on the state-required minimum coverage is $43.
Topeka Car Insurance Rates by Age
Age is a key consideration in determining auto insurance premiums. Some age groups have a higher number of reported claims than other age groups, driving the cost of premiums upward for that group. For example, Topeka residents in their teens pay more than quadruple the average monthly car insurance rate than Topeka residents in their 60s.
Regardless of age, maintaining a safe driving record is critical to obtaining low rates and keeping them low.
Here is a breakdown of the average car insurance rate by age for minimum coverage in Topeka, Kansas:
*We use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.