Topeka Car Insurance Cost – 2025 Rates + Cheapest to Insure

How much will auto insurance cost in Topeka? We compare average auto insurance rates by segment to find the models with the cheapest car insurance quotes in Topeka.

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  • Average Topeka car insurance cost is $2,382 per year for a full coverage policy. Average cost per month is about $199.
  • Auto insurance rates for a few popular models in Topeka include the Jeep Grand Cherokee at $2,382 per year, Chevrolet Equinox at $2,192, and Honda Civic at $2,108.
  • For cheap auto insurance in Topeka, compact crossovers and SUVs like the Honda CR-V, Buick Envision, and Chevrolet Trailblazer cost less than most other models.

What is average car insurance cost in Topeka?

The average car insurance expense in Topeka is $2,382 per year, or approximately $199 per month for a policy that provides full coverage. It costs 7% more to insure the average vehicle in Topeka, KS, than the overall U.S. national average rate of $2,221.

In the state of Kansas, the average car insurance cost is $2,450 per year, so the cost in Topeka averages $68 less per year. When prices are compared to other cities in Kansas, the average cost to insure a vehicle in Topeka is around $172 per year less than in Wichita, $14 per year more expensive than in Overland Park, and $28 per year more than in Olathe.

Driver age is probably the number one factor that determines the price of car insurance. The list below illustrates this by breaking out average car insurance rates in Topeka for driver ages from 16 to 60.

Average cost of car insurance in Topeka, KS, by driver age

  • 16-year-old driver – $8,483 per year or $707 per month
  • 17-year-old driver – $8,217 per year or $685 per month
  • 18-year-old driver – $7,363 per year or $614 per month
  • 19-year-old driver – $6,706 per year or $559 per month
  • 20-year-old driver – $4,790 per year or $399 per month
  • 30-year-old driver – $2,540 per year or $212 per month
  • 40-year-old driver – $2,382 per year or $199 per month
  • 50-year-old driver – $2,110 per year or $176 per month
  • 60-year-old driver – $1,976 per year or $165 per month

The next chart displays additional costs for drivers age 20 to 60 by including rates for three different comprehensive and collision deductibles. These extra rates can aid in comprehending how car insurance cost increases with lower deductibles, and decreases when the policy has higher deductibles.

Average full-coverage car insurance premium in Topeka, KS for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Topeka, KS for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Topeka, KS Zip Codes.

Average Car Insurance Cost in Topeka, KS
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$4,054$338
$500$4,790$399
$250$5,572$464
30$1,000$2,130$178
$500$2,540$212
$250$2,970$248
40$1,000$2,004$167
$500$2,382$199
$250$2,778$232
50$1,000$1,784$149
$500$2,110$176
$250$2,450$204
60$1,000$1,670$139
$500$1,976$165
$250$2,294$191

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Topeka, KS Zip Codes. Updated June 27, 2025

Average car insurance rates in the chart range from $1,670 per year for a policy with high physical damage deductibles for a 60-year-old driver to $5,572 per year for a 20-year-old driver with low physical damage deductibles.

When the rates in the chart are converted for monthly budgeting, the average cost of car insurance per month in Topeka ranges from $139 to $464.

The prior rates are averaged for every 2024 model year vehicle, which is useful when making generalized comparisons like the difference in average car insurance cost between two Kansas cities. But for more comprehensive cost comparisons, the rates will be more accurate if we look at the specific make and model of vehicle being insured.

Later on in this article, we do lots of cost comparisons for many different specific vehicles, but for now, a few of the most popular models will be used to see how auto insurance prices stack up in Topeka.

The chart below details average insurance rates in Topeka for popular vehicles.

Average cost to insure popular 2024 model year vehicles in Topeka.
Figure 2: Average cost to insure popular 2024 model year vehicles in Topeka. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Topeka Zip Codes.

Topeka, KS, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$1,758$147
Mazda CX-5$1,942$162
Honda CR-V$2,028$169
Honda HR-V$2,072$173
Nissan Rogue$2,138$178
Ford Explorer$2,158$180
Toyota Highlander$2,166$181
Ford Escape$2,172$181
Nissan Sentra$2,184$182
Chevrolet Equinox$2,192$183
Toyota RAV4$2,196$183
Ford Ranger$2,274$190
Honda Pilot$2,318$193
Toyota Corolla$2,320$193
Toyota Tacoma$2,412$201
Hyundai Santa Fe$2,422$202
Toyota Camry$2,558$213
Ford Mustang$2,616$218
GMC Sierra$2,628$219
Chevrolet Silverado$2,632$219
Ford Bronco$2,640$220
Ford F150$2,664$222
Ram Truck$2,754$230
Chevrolet Corvette$3,298$275

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Topeka, KS Zip Codes. Updated June 27, 2025

What are the cheapest vehicles to insure in Topeka, Kansas?

The vehicles with the most affordable insurance prices in Topeka tend to be compact SUVs like the Subaru Crosstrek, Kia Soul, Hyundai Venue, and Buick Envision. Average auto insurance prices for those compact SUVs cost $1,934 or less per year, or $161 per month, for full coverage.

Additional models that come in near the top in our car insurance price comparison are the Volkswagen Taos, Honda HR-V, Buick Encore, and Acura RDX.

Average auto insurance rates are a little bit more for those models than the cheapest small SUVs at the top of the list, but they still have average rates of $2,072 or less per year, or about $173 per month in Topeka.

The table below breaks down the top 40 cheapest vehicles to insure in Topeka, sorted by average cost.

Cheapest Car Insurance Rates in Topeka
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,758$147
2Chevrolet Trailblazer$1,788$149
3Kia Soul$1,856$155
4Nissan Kicks$1,872$156
5Honda Passport$1,896$158
6Buick Envision$1,908$159
7Toyota Corolla Cross$1,920$160
8Hyundai Venue$1,934$161
9Mazda CX-5$1,942$162
10Ford Bronco Sport$1,950$163
11Volkswagen Tiguan$1,970$164
12Acura RDX$1,992$166
13Nissan Murano$2,000$167
14Buick Encore$2,022$169
15Honda CR-V$2,028$169
16Subaru Outback$2,028$169
17Buick Envista$2,034$170
18Volkswagen Taos$2,040$170
19Kia Niro$2,050$171
20Toyota GR Corolla$2,068$172
21Subaru Ascent$2,070$173
22Honda HR-V$2,072$173
23Nissan Leaf$2,084$174
24Chevrolet Colorado$2,098$175
25Honda Civic$2,108$176
26Lexus NX 250$2,108$176
27Volkswagen Atlas$2,110$176
28Acura Integra$2,118$177
29Subaru Forester$2,118$177
30Volkswagen Atlas Cross Sport$2,120$177
31Kia Seltos$2,126$177
32GMC Terrain$2,130$178
33Nissan Rogue$2,138$178
34Hyundai Kona$2,142$179
35Mazda CX-30$2,146$179
36Cadillac XT4$2,150$179
37Ford Explorer$2,158$180
38Volkswagen ID4$2,158$180
39Toyota Highlander$2,166$181
40Ford Escape$2,172$181

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Topeka, KS Zip Codes. Updated June 27, 2025

Top 40 cheapest vehicles to insure in Topeka, KS with the Subaru Crosstrek ranking first at $1,758 per year
Top 40 cheapest vehicles to insure in Topeka, KS with the Subaru Crosstrek ranking first at $1,758 per year

A table showing 40 vehicle models with cheap Topeka car insurance doesn’t really give a comprehensive summary of the cost of auto insurance. A more useful way to rank rates in a pragmatic manner is by breaking them out by vehicle segment. The sections below break out the top 20 models with the cheapest car insurance rates in Topeka for the six most popular automotive segments.

Cheapest car insurance rates in Topeka, Kansas

The Toyota GR Corolla takes the #1 ranking as the most budget-friendly non-luxury car to insure in Topeka, followed closely by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model costs an average of $2,068 per year for a full-coverage insurance policy.

Also ranking well in our comparison are models like the Kia K5, Chevrolet Malibu, Honda Accord, and Toyota Corolla, with an average car insurance cost of $2,320 per year or less.

Some additional 2024 models on the list include the Volkswagen Arteon, Toyota Crown, Mazda 3, Subaru Legacy, and Hyundai Sonata, which cost between $2,320 and $2,462 per year for insurance.

Full-coverage insurance in Topeka for this segment for a safe driver will start around $172 per month, depending on your company and location.

The cheapest non-luxury compact car to insure in Topeka is the Toyota GR Corolla at $2,068 per year. For midsize models, the Kia K5 is cheapest to insure at $2,292 per year. And for full-size cars, the Chrysler 300 has the cheapest car insurance rates at $2,268 per year.

The rate comparison table below ranks the cars with the most affordable average auto insurance rates in Topeka.

Cheapest Car Insurance in Topeka, Kansas
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,068$172
Nissan LeafCompact$2,084$174
Honda CivicCompact$2,108$176
Nissan SentraCompact$2,184$182
Subaru ImprezaCompact$2,188$182
Toyota PriusCompact$2,226$186
Kia K5Midsize$2,292$191
Honda AccordMidsize$2,300$192
Chevrolet MalibuMidsize$2,310$193
Toyota CorollaCompact$2,320$193
Kia ForteCompact$2,324$194
Volkswagen ArteonMidsize$2,338$195
Nissan VersaCompact$2,348$196
Subaru LegacyMidsize$2,350$196
Hyundai Ioniq 6Midsize$2,368$197
Mitsubishi Mirage G4Compact$2,404$200
Toyota CrownMidsize$2,408$201
Volkswagen JettaCompact$2,408$201
Hyundai SonataMidsize$2,414$201
Mazda 3Compact$2,462$205

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Topeka, KS Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Topeka, KS, with the Toyota GR Corolla ranking first at $2,068 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Topeka, KS, with the Toyota GR Corolla ranking first at $2,068 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Need rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Topeka car insurance quotes from top-rated companies in Kansas.

Cheapest SUVs to insure in Topeka, Kansas

Ranking highest for the lowest-cost Topeka auto insurance rates in the SUV segment (excluding luxury models) are the Chevrolet Trailblazer, Subaru Crosstrek, Kia Soul, Honda Passport, and Nissan Kicks. Insurance rates for these 2024 models average $1,896 or less per year, or around $158 per month.

Additional SUVs that have cheaper rates are the Ford Bronco Sport, Toyota Corolla Cross, Hyundai Venue, and Mazda CX-5, with an average cost of $1,950 per year or less.

Ranked in the lower half of the top 20, SUVs like the Honda HR-V, Honda CR-V, Nissan Murano, Buick Encore, Kia Niro, and Volkswagen Taos cost between $1,950 and $2,070 per year for full-coverage insurance in Topeka.

Full-coverage auto insurance in Topeka for this segment for a safe driver starts at an average of $147 per month, depending on the company and your location.

If rates are ranked by vehicle size, the most affordable non-luxury compact SUV to insure in Topeka is the Subaru Crosstrek at $1,758 per year. For midsize 2024 models, the Honda Passport is cheapest to insure at $1,896 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is the cheapest model to insure at $2,234 per year.

The table below ranks the twenty SUVs with the lowest-cost auto insurance rates in Topeka, starting with the Subaru Crosstrek at $1,758 per year and ending with the Subaru Ascent at $2,070 per year.

Cheapest SUV Insurance in Topeka, Kansas
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,758$147
Chevrolet TrailblazerCompact$1,788$149
Kia SoulCompact$1,856$155
Nissan KicksCompact$1,872$156
Honda PassportMidsize$1,896$158
Buick EnvisionCompact$1,908$159
Toyota Corolla CrossCompact$1,920$160
Hyundai VenueCompact$1,934$161
Mazda CX-5Compact$1,942$162
Ford Bronco SportCompact$1,950$163
Volkswagen TiguanCompact$1,970$164
Nissan MuranoMidsize$2,000$167
Buick EncoreCompact$2,022$169
Honda CR-VCompact$2,028$169
Subaru OutbackMidsize$2,028$169
Buick EnvistaMidsize$2,034$170
Volkswagen TaosCompact$2,040$170
Kia NiroCompact$2,050$171
Subaru AscentMidsize$2,070$173
Honda HR-VCompact$2,072$173

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Topeka, KS Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Topeka, KS, with the Subaru Crosstrek ranking first at $1,758 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Topeka, KS, with the Subaru Crosstrek ranking first at $1,758 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Don’t see insurance cost for your SUV? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Kansas.

Cheapest luxury cars to insure in Topeka

The top five models for the most affordable Topeka car insurance rates in the luxury car segment are the Acura Integra, Acura TLX, BMW 330i, Lexus IS 300, and Mercedes-Benz CLA250. Auto insurance quotes for these models average $2,462 or less per year, or around $205 per month.

Rounding out the top 10 are luxury cars like the Lexus RC 300, Genesis G70, Cadillac CT4, and Lexus ES 350, with an average cost of $2,502 per year or less.

Auto insurance rates in this segment for the average driver can cost as low as $177 per month, depending on where you live.

The most affordable small luxury car to insure in Topeka is the Acura Integra at $2,118 per year. For midsize luxury cars, the Mercedes-Benz CLA250 has the best rates at $2,450 per year. And for full-size models, the Audi A5 is most affordable to insure at $2,832 per year.

The next table ranks the twenty cars with the lowest-cost average auto insurance rates in Topeka, starting with the Acura Integra at $2,118 per year ($177 per month) and ending with the Audi S3 at $2,670 per year ($223 per month).

Cheapest Luxury Car Insurance in Topeka, Kansas
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,118$177
BMW 330iCompact$2,424$202
Mercedes-Benz CLA250Midsize$2,450$204
Lexus IS 300Midsize$2,454$205
Acura TLXCompact$2,462$205
Lexus ES 350Midsize$2,484$207
Cadillac CT4Compact$2,486$207
Genesis G70Compact$2,492$208
Mercedes-Benz AMG CLA35Midsize$2,496$208
Lexus RC 300Midsize$2,502$209
Lexus IS 350Compact$2,512$209
Jaguar XFMidsize$2,520$210
Cadillac CT5Midsize$2,564$214
Lexus ES 250Midsize$2,576$215
Lexus RC 350Compact$2,582$215
BMW 330eCompact$2,584$215
BMW 228iCompact$2,590$216
BMW 230iCompact$2,610$218
Lexus ES 300hMidsize$2,614$218
Audi S3Compact$2,670$223

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Topeka, KS Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Topeka, KS, with the Acura Integra ranking first at $2,118 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Topeka, KS, with the Acura Integra ranking first at $2,118 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Looking for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Topeka car insurance quotes from top-rated companies in Kansas.

Cheapest luxury SUVs to insure in Topeka

Ranked at #1 in Topeka for cheapest auto insurance in the luxury SUV segment is the Acura RDX, with a cost of $1,992 per year. Second place is the Lexus NX 250 at $2,108 per year, and the third most affordable is the Cadillac XT4, costing an average of $2,150 per year.

Other luxury SUVs that rank well in our comparison are the Mercedes-Benz GLB 250, Lincoln Corsair, Lexus UX 250h, and Lexus NX 450h, with average cost of $2,296 per year or less.

Full-coverage insurance for this segment in Topeka for an average middle-age driver starts at around $166 per month, depending on the company and your location.

The most affordable compact luxury SUV to insure in Topeka is the Acura RDX at $1,992 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $2,226 per year. And for full-size models, the Infiniti QX80 has the cheapest car insurance rates at $2,670 per year.

The rate comparison table below ranks the twenty SUVs with the cheapest insurance rates in Topeka, starting with the Acura RDX at $1,992 per year ($166 per month) and ending with the Lexus RX 350 at $2,390 per year ($199 per month).

Cheapest Luxury SUV Insurance in Topeka, Kansas
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,992$166
Lexus NX 250Compact$2,108$176
Cadillac XT4Compact$2,150$179
Jaguar E-PaceMidsize$2,226$186
Cadillac XT5Midsize$2,246$187
Lexus NX 350hCompact$2,246$187
Lincoln CorsairCompact$2,274$190
Mercedes-Benz GLB 250Compact$2,278$190
Lexus UX 250hCompact$2,282$190
Lexus NX 450hCompact$2,296$191
Infiniti QX50Midsize$2,314$193
Mercedes-Benz GLA250Compact$2,320$193
Cadillac XT6Midsize$2,328$194
Mercedes-Benz GLA35 AMGCompact$2,328$194
Infiniti QX60Midsize$2,342$195
Mercedes-Benz AMG GLB35Midsize$2,346$196
Land Rover EvoqueCompact$2,376$198
Acura MDXMidsize$2,378$198
Lexus NX 350Compact$2,388$199
Lexus RX 350Midsize$2,390$199

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Topeka, KS Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Topeka, KS, with the Acura RDX ranking first at $1,992 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Topeka, KS, with the Acura RDX ranking first at $1,992 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Topeka car insurance quotes from top-rated companies in Kansas.

Cheapest pickups to insure in Topeka

Taking the top spot in Topeka for cheapest average insurance in the pickup truck segment is the Chevrolet Colorado, with a cost of $2,098 per year. Second place is the Nissan Titan at $2,228 per year, and third place goes to the Nissan Frontier, costing an average of $2,252 per year.

Not the cheapest pickups to insure, but still very reasonable, are models like the Honda Ridgeline, Hyundai Santa Cruz, GMC Canyon, and Toyota Tacoma, with average cost of $2,450 per year or less.

From a cost per month standpoint, full-coverage auto insurance in this segment for a safe driver will start around $175 per month, depending on where you live.

The comparison table below ranks the twenty pickups with the most affordable auto insurance rates in Topeka.

Cheapest Pickup Insurance in Topeka, Kansas
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,098$175
Nissan TitanFull-size$2,228$186
Nissan FrontierMidsize$2,252$188
Ford RangerMidsize$2,274$190
Ford MaverickMidsize$2,308$192
Honda RidgelineMidsize$2,362$197
Hyundai Santa CruzMidsize$2,402$200
Toyota TacomaMidsize$2,412$201
GMC Sierra 2500 HDHeavy Duty$2,422$202
GMC CanyonMidsize$2,450$204
Jeep GladiatorMidsize$2,508$209
GMC Sierra 3500Heavy Duty$2,524$210
Chevrolet Silverado HD 3500Heavy Duty$2,546$212
Chevrolet Silverado HD 2500Heavy Duty$2,612$218
GMC SierraFull-size$2,628$219
Chevrolet SilveradoFull-size$2,632$219
Nissan Titan XDHeavy Duty$2,632$219
Ford F150Full-size$2,664$222
GMC Hummer EV PickupFull-size$2,730$228
Ram TruckFull-size$2,754$230

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Topeka, KS Zip Codes. Updated June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Topeka, KS, with the Chevrolet Colorado ranking first at $2,098 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Topeka, KS, with the Chevrolet Colorado ranking first at $2,098 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Don’t see insurance cost for your pickup? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Kansas.

Cheapest sports car insurance rates in Topeka

The three highest ranking sports cars with the lowest-cost average insurance rates in Topeka are the Mazda MX-5 Miata at $2,202 per year, the Toyota GR86 at $2,508 per year, and the Ford Mustang at $2,616 per year.

Other cars that have cheaper rates are the Toyota GR Supra, Subaru BRZ, Nissan Z, and BMW M2, with average annual insurance rates of $2,848 per year or less.

Full-coverage car insurance for this segment in Topeka for an average middle-age driver starts at around $184 per month, depending on the company and your location. The next table ranks the twenty sports cars with the cheapest insurance in Topeka, starting with the Mazda MX-5 Miata at $2,202 per year and ending with the Porsche Taycan at $4,032 per year.

Cheapest Sports Car Insurance in Topeka, Kansas
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,202$184
Toyota GR86Sports Car$2,508$209
Ford MustangSports Car$2,616$218
BMW Z4Sports Car$2,630$219
Subaru WRXSports Car$2,672$223
Toyota GR SupraSports Car$2,676$223
BMW M2Sports Car$2,752$229
Nissan ZSports Car$2,758$230
Lexus RC FSports Car$2,814$235
Subaru BRZSports Car$2,848$237
BMW M3Sports Car$3,006$251
Porsche 718Sports Car$3,066$256
Chevrolet CamaroSports Car$3,094$258
Chevrolet CorvetteSports Car$3,298$275
Porsche 911Sports Car$3,412$284
BMW M4Sports Car$3,556$296
Lexus LC 500Sports Car$3,572$298
Jaguar F-TypeSports Car$3,756$313
Mercedes-Benz AMG GT53Sports Car$3,940$328
Porsche TaycanSports Car$4,032$336

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Topeka, KS Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Topeka, KS, with the Mazda MX-5 Miata ranking first at $2,202 per year.
Ranking of the cheapest sports cars to insure in Topeka, KS, with the Mazda MX-5 Miata ranking first at $2,202 per year.

Don’t see insurance cost for your sports car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Kansas.

Topeka auto insurance cost examples

In order to reinforce the extent to which car insurance cost can change for different drivers, the examples below show comprehensive rates for four popular models in Topeka: the Chevrolet Silverado, Toyota RAV4, Kia Sorento, and Honda Accord.

Each vehicle example uses a range of risk profiles to demonstrate the cost fluctuation when changes are made to the driver rated on the policy.

Chevrolet Silverado insurance rates

In Topeka, Chevrolet Silverado insurance averages $2,632 per year ($219 per month) and varies from $2,182 to $6,114.

Average 2024 Chevrolet Silverado insurance premiums in Topeka for different driver ages and risk scenarios.
Figure 3: Average 2024 Chevrolet Silverado insurance premiums in Topeka for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Topeka includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Silverado Insurance Cost in Topeka, KS
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,114$510
Safe Driver Age 20$5,346$446
At-fault Accidents Age 40$3,762$314
Low Deductibles Age 40$3,396$283
Safe Driver Age 30$2,804$234
Safe Driver Age 40$2,632$219
Safe Driver Age 50$2,340$195
High Deductibles Age 40$2,242$187
Safe Driver Age 60$2,190$183
Discount Rate Age 40$2,182$182

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Silverado trim levels. Updated June 27, 2025

The Chevrolet Silverado is a full-size truck, and additional similar models include the Ram Truck, Toyota Tundra, and Nissan Titan.

Toyota RAV4 insurance rates

Auto insurance for a Toyota RAV4 in Topeka costs an average of $2,196 per year (about $183 per month) and has a range of $1,824 to $5,052 per year.

Average 2024 Toyota RAV4 insurance premiums in Topeka for different driver ages and risk scenarios.
Figure 4: Average 2024 Toyota RAV4 insurance premiums in Topeka for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota RAV4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota RAV4 car insurance cost in Topeka includes all Zip Codes and vehicle trim levels.

2024 Toyota RAV4 Insurance Cost in Topeka, KS
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,052$421
Safe Driver Age 20$4,418$368
At-fault Accidents Age 40$3,118$260
Low Deductibles Age 40$2,844$237
Safe Driver Age 30$2,338$195
Safe Driver Age 40$2,196$183
Safe Driver Age 50$1,950$163
High Deductibles Age 40$1,862$155
Safe Driver Age 60$1,826$152
Discount Rate Age 40$1,824$152

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota RAV4 trim levels. Updated June 26, 2025

The Toyota RAV4 is a compact SUV, and other models from that segment that are popular in Topeka, Kansas, include the Mazda CX-5, Ford Escape, Nissan Rogue, and Subaru Forester.

Kia Sorento insurance rates

Auto insurance for a Kia Sorento in Topeka costs an average of $2,260 per year (about $188 per month) and varies from $1,878 to $5,188.

Average 2024 Kia Sorento insurance premiums in Topeka for different driver ages and risk scenarios.
Figure 5: Average 2024 Kia Sorento insurance premiums in Topeka for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Topeka includes all Zip Codes and vehicle trim levels.

2024 Kia Sorento Insurance Cost in Topeka, KS
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,188$432
Safe Driver Age 20$4,544$379
At-fault Accidents Age 40$3,190$266
Low Deductibles Age 40$2,980$248
Safe Driver Age 30$2,416$201
Safe Driver Age 40$2,260$188
Safe Driver Age 50$2,000$167
High Deductibles Age 40$1,890$158
Discount Rate Age 40$1,878$157
Safe Driver Age 60$1,872$156

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 26, 2025

The Kia Sorento is considered a midsize SUV, and other models from that segment that are popular in Topeka include the Ford Explorer, Honda Pilot, Ford Edge, and Toyota Highlander.

Honda Accord insurance rates

Insurance for a Honda Accord in Topeka costs an average of $2,300 per year, or about $192 per month, and ranges from $1,910 to $5,290 annually for the sample driver risk profiles in the chart below.

Average 2024 Honda Accord insurance premiums in Topeka for different driver ages and risk scenarios.
Figure 6: Average 2024 Honda Accord insurance premiums in Topeka for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Topeka includes all Zip Codes and vehicle trim levels.

2024 Honda Accord Insurance Cost in Topeka, KS
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,290$441
Safe Driver Age 20$4,630$386
At-fault Accidents Age 40$3,248$271
Low Deductibles Age 40$3,030$253
Safe Driver Age 30$2,456$205
Safe Driver Age 40$2,300$192
Safe Driver Age 50$2,038$170
High Deductibles Age 40$1,924$160
Discount Rate Age 40$1,910$159
Safe Driver Age 60$1,908$159

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Accord trim levels. Updated June 27, 2025

The Honda Accord is classified as a midsize car, and other similar models include the Kia K5, Nissan Altima, Chevrolet Malibu, and Hyundai Sonata.

Tips for saving money on Topeka auto insurance

Topeka drivers should always be searching for ways to save money on insurance So scan the savings concepts below to see if you can save a few bucks on your next policy purchase.

  • Compare insurance cost before you buy the car. Different vehicle models can have significantly different car insurance rates, and car insurance companies charge a wide range of prices. Check the price before you purchase so you can avoid price shock when buying coverage for your new car.
  • Obey driving laws to keep insurance rates low. If you want the cheapest auto insurance in Topeka, it’s necessary to be an excellent driver. As few as two traffic tickets have the potential to increase policy rates by at least $632 per year.
  • Improve your credit score and save. Having an over-800 credit score could save $374 per year when compared to a slightly lower credit rating between 670-739. Conversely, a lesser credit score could cost up to $434 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Increasing deductibles lowers insurance cost. Raising your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Keep your claim-free discount. Most auto insurance companies offer a discount for not filing any claims. Auto insurance should only be used in the case of large financial hits, not small claims that can be paid out-of-pocket.
  • If your car is older, remove unneeded coverages. Dropping comprehensive and collision coverage from vehicles whose value does not support the cost of the coverage will cut the cost of insurance significantly.