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Cheap Car Insurance in Topeka, Kansas

Locate cheap car insurance in Topeka, the state capital of Kansas. An hour’s drive west of Kansas City on Interstate 70, Topeka is the seat and largest city in Shawnee County. Its neoclassical, 1903 State Capitol building draws out-of-town visitors, along with the Brown v. Board of Education National Historic Site commemorating the 1954 Supreme Court decision to end racial segregation in schools. With a population of about 127,000, Topeka is located on the Kansas River. In southeast Topeka is Lake Shawnee, where permanent cables and buoys installed there are the same ones from the 1984 Los Angeles Olympics. Topeka is often called the home of Pentecostalism. It is also home to the Rev. Charles Sheldon, who coined the phrase, “What would Jesus do?” resulting in a “WWJD” rubber bracelet supply and demand.

Driving Conditions in Topeka

Topeka lies at the intersection of Interstate 70 and U.S. Highway 75. I-70 stretches westward all the way through Denver, Colo. and into Utah. Going east, I-70 takes drivers 60 miles to Kansas City, and then to St. Louis, Mo., Indianapolis, In. and Pittsburgh, Penn. Interstate 335, the Kansas Turnpike, originates in Topeka and travels southwest to Emporia where it joins Interstate 35 and continues southward all the way to Texas.

Residents of Topeka are blessed with easy commutes compared to other cities its size, with an average commute time of only 16 minutes – a full 10 minutes shorter than the national average. Kansas City International is the closest major airport. For updated traffic and travel information, visit

Unique Laws in Topeka

Topeka has in place a city ordinance stating, “No person shall stand on a highway for the purpose of soliciting employment, business or contributions from the occupant of any vehicle.” The rule has been challenged recently by critics who call it a restriction of free speech.

Kansas is one of a handful of states where it is illegal for any vehicle to use hazard lights while moving, according to a list state laws compiled by Other states allow it in emergency situations or to indicate a hazard such as heavy rain, while some allow hazard light use at any time.

If you’re a hunter, be aware that state laws still prevent you from using mules to hunt ducks or shooting at rabbits from a motorboat.

Topeka Crime Statistics

Sperling ranked Topeka at the top of its Worst Small Cities List for Crime list for 2015, stating the city has the highest rates of property crime among similar sized U.S. cities, with larceny and robbery rates particularly high. Recently released data for 2016 suggests Topeka is more dangerous than the national average.

FBI statistics compiled for 2016 show 711 violent crimes in Topeka, 17 of which were murder or non-negligent homicide. The local violent crime rate of 559 offenses per 100,000 residents is above the national average of 386 per 100,000. The 2016 property crime rate in Topeka was 5,620 per 100,000 residents is nearly twice the national average.

Within the city, 807 vehicles were stolen in 2016, FBI data shows, a rate of 634 per 100,000 residents, compared to the national average of 236.9 per 100,000 the same year.

Topeka Safety Requirements

In 2010, buckling up became a “primary law” in Kansas, meaning police can and do stop and ticket drivers of any vehicle for not wearing seat belts. Those in the back seat can be cited only when there is another offense. A driver can be stopped and issued a citation if an officer spots an unrestrained child in a vehicle, according to the Kansas Highway Patrol. Violations of the Child Passenger Safety Act result in a $60 fine and court costs. The Kansas Child Passenger Safety Act was amended in 2006 requiring children ages 4, 5, 6, and 7 to ride in booster seats. Texting while driving is banned statewide.

Topeka Impaired Driving Laws

Drivers with a blood alcohol concentration of .08 or higher are charged with driving under the influence, according to the Kansas Department of Transportation, and anyone convicted of DUI with a child under 14 in the car will receive an extra month of jail time. First offenders will get 48 hours of jail time plus fines, 100 hours of community service and a 30-day suspension and then driver’s license restrictions.

The BAC drops to .02 for minors under 21. Charges are enhanced if a driver has a BAC of more than .15. Regardless of your background, it’s possible to find cheap car insurance in Topeka, Kansas; contact us to compare rates.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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