Insurance Costs in Topeka, KS
Auto insurance in Topeka averages $1,731 per year for full coverage, which is higher than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Topeka, KS: What You Need to Know
Topeka residents pay an average of $1,731 per year for full coverage auto insurance, which is 5.0% above the Kansas state average and 3.4% above the national average.
With a population of 127,679, Topeka is a mid-size city in Kansas. Insurance rates here are typical for the state.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,731 | $144 |
| Standard Coverage (50/100/50) | $1,419 | $118 |
| State Minimum (25/50/25) | $727 | $61 |
Homeowners Insurance in Topeka, KS
The average cost of homeowners insurance in Topeka is $2,530 per year ($211/month), which is 39.0% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Topeka, KS
Renters insurance in Topeka averages $216 per year ($18/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Kansas Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Wichita | $1,781/yr | $3,105/yr |
| Overland Park | $1,517/yr | $2,645/yr |
| Kansas City | $1,896/yr | $3,019/yr |
| Olathe | $1,484/yr | $2,731/yr |
| Lawrence | $1,517/yr | $2,530/yr |
| Shawnee | $1,451/yr | $2,645/yr |
| Lenexa | $1,451/yr | $2,731/yr |
| Manhattan | $1,451/yr | $2,358/yr |
How to Save on Insurance in Topeka
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Topeka can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Topeka, KS?
The average cost of car insurance in Topeka, KS is $1,731 per year for full coverage, or about $144 per month. Minimum coverage costs around $727 per year.
Is car insurance expensive in Topeka?
Car insurance in Topeka is about average for the U.S.
How much is home insurance in Topeka?
Homeowners insurance in Topeka costs an average of $2,530 per year. Your actual cost depends on your home's value, age, construction type, and specific location.