Best & Cheapest Homeowners Insurance in Topeka, KS November, 2024
For homeowners in Topeka, State Farm offers the most budget-friendly homeowners insurance, with an average annual quote of $1,490.
We’ve saved shoppers an average of $450 per year on their home insurance.
In our comprehensive review of homeowners insurance providers in Topeka, KS, State Farm emerges as the most affordable option with an average annual rate of $1,490. However, it’s crucial to consider that the best insurer for you can vary based on your individual circumstances and requirements.
For instance, if your credit score is lower, USAA offers the most economical choice with an average annual premium of $1,904. Conversely, if you own a newly constructed home, Allstate provides the most cost-effective solution at $1,045 per year.
Moreover, if you possess valuable personal property that needs protection, State Farm stands out as the top choice, offering extensive coverage at a reasonable rate of $1,516 annually.
Our detailed analysis at Insuranceopedia aims to assist you in finding the ideal homeowners insurance coverage. Through comparing customer ratings, analyzing personal experiences, and presenting comparison charts, we provide all the necessary information for you to make a well-informed decision.
How much is homeowners insurance in Topeka, KS?
State Farm offers the most affordable homeowners insurance rate in Topeka, KS, with an annual premium of $1,490.
The homeowners insurance rates in Topeka are below both the national average and the average rate for the state of Kansas.
| Area | Average Monthly Rate |
| National | $1,820 |
| Kansas | $2,860 |
| Topeka | $1,768 |
It’s essential to understand insurance rates because they aren’t standardized and can vary widely based on several factors.
Your driving history plays a major role. Having a record of traffic violations or accidents typically leads to higher premiums compared to having a clean driving record. Additionally, the type and make of your vehicle matter. High-performance or luxury cars often come with higher insurance costs than standard vehicles.
Where you live can also impact rates. Urban areas with high population density usually have higher rates due to increased risks like theft or accidents. Your age and marital status can also influence your car insurance premiums.
Cheapest Homeowners Insurance in Topeka, KS
Our Methodology
To identify the most cost-effective home insurance rates in Topeka, we conducted a detailed analysis using data from multiple home insurance review sites. Some of these sources obtained rates from public filings obtained from Quadrant Information Services. We averaged these rates for this review, but it's crucial to note that each company's rates can vary frequently and will be impacted by your individual circumstances. Our overall rating also takes into account my subjective opinion, drawing from fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance policies. This combination of objective data and personal expertise ensures a thorough evaluation of the available options.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest homeowners insurance in Topeka, KS
State Farm is the standout choice for affordable homeowners insurance in Topeka, KS, with an average annual rate of $1,490.
| Company | Annual Premium |
| State Farm | $1,490 |
| USAA | $1,505 |
| AAA | $1,914 |
| Farmers | $1,957 |
| Allstate | $3,772 |
Your homeowners insurance premium depends on various factors like where you live, your home’s value, and your claims history. State Farm offers a good balance of affordability and comprehensive coverage, making it a popular choice for many homeowners.
Cheapest Homeowners Insurance for Newly Constructed Homes
Allstate offers the most affordable solution for homeowners with newly constructed homes, providing an average annual rate of $1,045.
| Insurance Company | Average Annual Premium |
| Allstate | $1,045 |
| Travelers | $1,147 |
| State Farm | $1,198 |
| Farmers | $1,402 |
| American Family | $1,561 |
Newly constructed homes often require distinct insurance coverage compared to older homes, and Allstate is recognized for providing affordable policies designed to meet these specific needs.
Cheapest Homeowners Insurance If You Have Poor Credit
USAA provides the most affordable solution for individuals with a poor credit score, offering an average annual rate of $1,490.
| Insurance Company | Average Annual Premium |
| USAA | $1,490 |
| Travelers | $2,072 |
| Allstate | $2,839 |
| State Farm | $3,380 |
| Farmers | $5,212 |
Your credit score is a key factor in determining your insurance rates, as it helps insurers assess risk. USAA values fairness and provides equitable coverage to everyone, regardless of their financial history or credit score.
Cheapest Home Insurance Rates for Lots of Personal Property
State Farm offers the most affordable rates for homeowners with a substantial amount of personal property, with an average annual rate of $1,516.
| Insurance Company | Average Annual Premium |
| State Farm | $1,516 |
| USAA | $1,565 |
| Allstate | $1,980 |
| AAA | $2,032 |
| American Family | $4,367 |
As your personal property increases, your coverage needs also rise, potentially resulting in higher premiums. State Farm tackles this issue by providing comprehensive coverage at reasonable rates, ensuring that all your belongings are adequately protected without straining your budget.
Best Homeowners Insurance Companies in Topeka, KS
Choosing the right homeowners insurance isn’t just necessary; it’s a strategic decision. Topeka’s homes reflect a diverse history, mirroring the uniqueness of its residents. Therefore, finding an insurance provider that offers comprehensive coverage at competitive rates becomes essential.
To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Topeka, KS. These companies were assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Refer to our comparison chart below to find the perfect match for your home insurance needs.
| Company | Annual Premium |
| State Farm | $1,490 |
| USAA | $1,505 |
| AAA | $1,914 |
| Farmers | $1,957 |
| Allstate | $3,772 |
| Allied | $1,520 |
| AAA | $1,914 |
| American Family | $3,780 |
Average Home Insurance Rates by Zip Codes
Homeowners insurance prices in Topeka, KS can vary greatly depending on the zip code. Below, you’ll find tables displaying rates for various zip codes in Topeka, along with the cheapest and most expensive zip codes for annual home insurance premiums in the area.
| ZIP Code | Average Insurance Premium (Annual) |
| 66611 | $1,715 |
| 66607 | $1,914 |
| 66605 | $1,873 |
| 66609 | $1,760 |
| 66604 | $1,801 |
| 66608 | $1,845 |
Cheapest Zip Codes
| ZIP Code | Average Insurance Premium (Annual) |
| 66610 | $1,714 |
| 66611 | $1,715 |
| 66609 | $1,760 |
Most Expensive Zip Codes
| ZIP Code | Average Insurance Premium (Annual) |
| 66607 | $1,914 |
| 66605 | $1,873 |
Average Home Insurance Rates in Topeka, KS by Deductible Amount
The deductible you choose for your homeowners insurance policy significantly influences the premium rates in Topeka, KS. Here’s a breakdown of how average home insurance rates fluctuate based on different deductible amounts:
| Deductible Amount | Annual Rate |
| $500 | $1,734 |
| $1,000 | $1,553 |
| $2,000 | $1,310 |
Average Home Insurance Rates in Topeka, KS By Coverage Amount
One crucial element that affects your insurance premium is the level of dwelling coverage you select. This figure represents the maximum amount your insurance provider will pay to rebuild or repair your home in case of damage or destruction.
Let’s examine a comparison chart that demonstrates the average annual premiums for homeowners insurance across different dwelling coverage amounts.
| Dwelling Coverage Amount | Average Annual Premium |
| $200,000 | $1,689 |
| $250,000 | $1,945 |
| $300,000 | $2,015 |
| $350,000 | $2,468 |
| $400,000 | $2,820 |
Average Home Insurance Rates in Topeka, KS by Company
Here’s a comparison table showcasing annual premiums from some of the top providers in Topeka:
| Company | Annual Premium |
| State Farm | $1,490 |
| USAA | $1,505 |
| AAA | $1,914 |
| Farmers | $1,957 |
| Allstate | $3,772 |
| Allied | $1,520 |
| AAA | $1,914 |
| American Family | $3,780 |
Getting Online Homeowners Insurance Quotes in Kansas
Platforms like Insuranceopedia simplify the process of finding the right coverage for your needs. They provide quick online quotes from various top-rated insurers, allowing easy rate comparisons.
Just input your information, and let the platform do the work by presenting tailored options. This way, you can confidently choose a policy that offers the best value, considering both cost and comprehensive coverage.
FAQs
Who has the cheapest home insurance in Topeka, KS ?
State Farm provides the most budget-friendly home insurance in Topeka, Kansas, with an annual premium of $1,490.
What is the average cost of home insurance in Topeka, KS?
On average, homeowners insurance in Topeka, Kansas, costs approximately $1,768 per year.
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