Full coverage, including collision and comprehensive, and just liability, are available for the vehicles you drive. Instantly you can compare the best available policies from the companies that offer the best pricing. Get additional discounts for parking your cars off the street, driving less than 10,000 miles per year, getting good grades (for students), insuring other vehicles, or covering your home or personal property with the same carrier. Excellent credit will also earn a rate reduction since applicants who pay bills in a timely manner often have less at-fault accidents. Even if you live outside of the Topeka area, you are eligible.
Take a minute and get your free online quote now. No cost, hassle or obligation. It’s so easy! Simply click on our secure web link below and enter your zip code. You will be able to easily and quickly get your free quotes. We are Kansas’s premier resource for providing the lowest auto insurance rates in Topeka and the remainder of the state. Nearby Kansas City also features very competitive prices. Low rates are also found in many other cities including Wichita, Lawrence, Shawnee, Salina, and Hutchinson. Lower vehicle repair costs and fewer accidents in the state help keep prices low.
Take care of everything online or visit local brokers at SW 29th Street, SE California Avenue, SW Gage Boulevard, SW Westport Drive, SE Kentucky Avenue, SW Fairlawn Road, SW Brandywine Lane, SW Wanamaker Road, and SW Burlingame Circle. We also offer the lowest Kansas auto insurance rates in many nearby cities, such as Lawrence, Manhattan, Overland Park, Emporia, Gardner, Shawnee, Ottawa, and Lansing. In addition to Shawnee County, other counties in the area with low prices include Lyon, Osage, Franklin, Wabaunsee, Atchison, Geary, Nemaha, and Coffey.
The Kansas Department of Revenue is a great resource if you need help with obtaining a commercial driver’s license, you just moved to the area, you lost your tags or registration, you need to find a driving instructor, or you have a question on the graduated license program for teens. There are also additional resources that help residents of the state view the financial ratings of their carriers. Many additional free tutorials can be downloaded and the website is constantly updated. Any change in laws or required liability limits are publicly posted. If higher liability limits are need to comply with state regulations, we will provide the most cost-effective options.
If you are a high-risk or need an SR-22 Bond, there are several affordable options. We shop the companies that offer the best policies so you can reinstate a license (if needed) and secure the required liability limits to operate your vehicle. In Kansas, the minimum required limits are $25,000 per person, $50,000 per accident, and $10,000 of property damage. Higher amounts can be purchased upon request. Since the cost of most vehicles exceeds $10,000, increasing property damage limits are highly encouraged. If your car is financed, you will need to include collision and comprehensive coverage on your policy. Leased vehicles also contain deductible and liability requirements. Once you own a vehicle outright, you can consider "just liability" coverage which will be much less expensive. However, it is not recommended if your car or truck is less than eight years old. Higher-value vehicles should keep "full coverage" for a longer period of time. Antique vehicles can apply for "stated value" coverage.
Kansas is a "no-fault" state, so PIP (Personal Injury Protection) and uninsured/underinsured motorist coverage are required. The PIP must include $4,500 per person to cover medical costs, and $900 per month of disability for one year. Also, in-home services, funeral benefits, and $4,500 for rehabilitation are required. If you move to another state with different laws, you may not be required to keep PIP benefits. Although we compare all companies, competitive rates are offered by USAA, Farmers, Esurance, Liberty Mutual, Allied, Nationwide, MetLife, State Farm, and American Family. Some of the local zip codes that offer very attractive rates include 66667, 66628, 66622, 66618, 66614, 66609, 66626, 66621, 66617, 66608, 66636, 66625, 66620, 66617, 66607, 66629, 66624, 66619, 66615, and 66606.
The Kansas Department of Insurance can help settle disputes you may have with your auto insurance company. Also, accident prevention courses, company financial reports, and data breach information is available. If you have questions or concerns about new carriers that enter the Marketplace, the DOI can also assist by providing relevant financial data. Any proposed rate increases have to be approved by the DOI before they go into effect. Material changes to policies must also be approved. Typically, car insurance rates in Topeka remain quite attractive. Other similar-sized cities often have higher prices on most property and casualty products. Additional price breaks are at ages 55 and 65.
Completing accident prevention courses can reduce your premium. To receive the discount, we have listed below several approved courses offered throughout the state:
AARP Driver Safety Program - Many locations.
Law Enforcement Driver Traininag - Topeka
AAA Driver Improvement Program - Many locations.
Highway Patrol Skid Car Defensive Driving Program - Many locations.
• Post ID: 7648022 topeka