Topeka Insurance Rates:

Topeka, KS home insurance is approximately $832 to $1,127, about $69-$93/month. Our thorough guide shows customers can save upto $392 by getting many quotes

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Topeka Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $1370/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 2260 sqft Primary Residence Constructed In 1995 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $1260/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 3140 sqft Rental Property Constructed In 1964 with Wood Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Single Male who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $150/2 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 1030 sqft Vacation Property Constructed In 1990 with Wood Flooring, Shingles Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $300/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1680 sqft Vacation Property Constructed In 1946 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2020/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Bath 3040 sqft Seasonal Residence Constructed In 1999 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $130/2 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1790 sqft Primary Residence Constructed In 1996 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Fire Extinguisher, Swimming Pool, Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1660/12 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Bath 2090 sqft Rental Property Constructed In 1981 with Hardwood Flooring, Membrane Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Single Female who is Retired with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $40/1 month for $25,000-$50,000 Coverage
Policy Holder Home Details :

Home Value : $50,000

1 Bed, 1 Bath 700 sqft Primary Residence Constructed In 1936 with Ceramic Tile Flooring, Shingles Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Divorced Female who is Retired and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

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Topeka Rates & Quotes Analysis:

Topeka Area Estimated House Insurance
SW Windsor Ct, SE Kouns St, Masche St, NW Taylor St, SE Rice Rd, NW 43rd Ter, Gemini St, SW Meadowdale Dr, SW Muirfield Ct, SW Cheyenne Hills Rd$960
SE Scorpio Dr, SW Watson Ct, SE Ashley Dr, SW Valley Glen Rd, NW Anne Rd, SW Mission Ct, SW Brook Lawn Ter, SW Cannock Chase Rd, SW Brook Lawn Dr, NE Kaw Rd$1,021
SW Sunset Rd, NW Thomas Rd, SW Woodbury Ln, SW Deer Trail Ct, SE Liberty St, SW York Way, SE Colfax Pl, SW Clarion Pl, SW James St, SE Woodring Rd$981
SE Yale Ave, SE Branner St, SE Mulberry St, SW Kendall Ave, SE 17th St, SW Medford Ave, SE Branner St, NE Sherman Rd, SW 15th Ter, NE Oakland Ave$940
SE 32nd Ter, NE Forest Dr, SW Red Oaks Ct, NW Brittany North Cir, SW Lincolnshire Cir, SW 40th St, SE Republican Ave, NW Broad St, SW Woodward Ave, Chilson Rd$956
NW Pleasant Hill Ln, SW Quinton Ave, SW 44th St, SW Clearview Cir, 94th Rd, SW Cedar Crest Rd, NE Kaw Valley Rd, SE 44th Ter, NE Strait Ave, SW Burch Rd$1,024
Berkley Rd, SW Briarwood Ln, SW Lagito Ct, Mills Dr, SE Starlite Dr, SW Ashworth St, NW Elm Row Ave, SW Durow Rd, NE Quincy St, SW Glengate Ln$1,010
NW Furman Rd, SW 24th Ter, NE Laurent St, Pine St, SE Pinecrest Cir, SW Celtic St, Wilder Rd, SW Morna Dr, SE 59th St, SE Skylark Ct$967
SE Powell Ave, NE Sardou Ave, SW Timberlake Ln, SE 24th Pl, SW 22nd Ter, NW Seaman St, Rutgers Ave, SW Woodvalley Pl, SW University Blvd, SE Elm St$1,006
SE Tomahawk Ct, SE Stubbs Rd, SW Park South Ct, SW West Trail Rd, SE Walnut Dr, SE Granger St, NW Union Ct, SW Hillsdale St, SE 46th St, SE 14th St$1,022

Insurance rates are influenced by a number of factors including:

  • Year Built: 10,547 Homes (17% of total homes ) built between 1939 or earlier in Topeka are paying home insurance between $2,098-$2,112. Places close to Topeka, KS such as Shawnee County, Tecumseh, Grantville are more expensive by $33, $89, $37 respectively while Williamsport and Willard are cheaper by $16 and $100 respectively for similar homes.
  • Bedrooms: 21,239 3 bedrooms homes (36% of total homes ) in Topeka are paying about $1,029. Areas near to Topeka such as Shawnee County, Tecumseh, Grantville are costlier by $6, $45, $9 respectively whereas Williamsport and Willard are more economical by $8, $30 respectively for similar homes.
  • Auto Insurance Bundling: 7,029 Households (22% of all households) in Topeka have 3 or more vehicles available and when it is bundled with home insurance you can save $245. Discounts for similar bundling in close by locations such as Shawnee County, Tecumseh, Grantville come to $249, $255, $249 respectively.
  • Senior Discounts: 15,340 seniors (more than 55 years) occupied housing units (49% of total) in Topeka get discounts between $146 to $149 and differs from Shawnee County ($149), Tecumseh ($153), Williamsport ($145).
  • New Homes discounts: New homes such as the 19,949 homes built between 2000 to 2009 in Topeka can save $196 compared to Shawnee County ($199), Tecumseh ($204), Grantville ($199).

Topeka Homeowners insurance Facts

  • Topeka, KS has 31,071 owner occupied houses which is 57.2% of all units whereas Shawnee County, Tecumseh and Grantville have 65.08%, 92.82% and 100.0% respectively.
  • Topeka, KS homeowners yearly insurance price at $980 is 1.02% of the typical house value of $96,000 which is in contrast with 0.83% in Shawnee County, 0.66% at Tecumseh & 0.81% in Grantville.
  • Homeowners in Topeka, KS pay 7.84% of their income ($10,000 to $14,999) in insurance whereas homeowners in Shawnee County, Tecumseh and Menoken pay 7.97%, 8.18% and 8.2% respectively.
  • Topeka, KS’s insurance is 7.5% of monthly housing costs of $1,087/month, for owners with a mortgage compared to 6.91% in Shawnee County, 5.82% at Tecumseh & 5.09% in Menoken. But, for households without a mortgage, insurance is 19.4% of costs ($421 in Topeka, KS) in contrast with 18.49% in Shawnee County, 18.49% at Tecumseh & 21.9% in Menoken.

Topeka, KS Home Values & Insurance rates

For example, insurance for 1,285 Homes (4.0% of total homes ) valued between $175,000 to $199,999 in Topeka, KS is about $1,911. Rates in nearby areas in such as Shawnee County, Tecumseh, Menoken are cheaper by $348, $684, $712 respectively while Williamsport and Hoyt are costlier by $180 and $153 respectively for similar homes.

Topeka, KS Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 4,720 15.0% $254
$50,000 to $59,999 1,796 5.0% $529
$60,000 to $69,999 2,360 7.0% $656
$70,000 to $79,999 2,479 8.0% $764
$80,000 to $89,999 2,782 9.0% $862
$90,000 to $99,999 2,329 7.0% $960
$100,000 to $124,999 4,528 14.0% $1117
$125,000 to $149,999 3,259 10.0% $1401
$150,000 to $174,999 2,207 7.0% $1656
$175,000 to $199,999 1,285 4.0% $1911
$200,000 to $249,999 1,532 5.0% $2293
$250,000 to $299,999 849 2.0% $2802
$300,000 to $399,999 455 1.0% $3567

Renters Insurance in Topeka

  • Average Renters Insurance in Topeka :  $209($17/month)

  • Median Gross Rent in Topeka :  $681

  • Topeka Renters Insurance to Median Rent Ratio:  2.5%

  • Renter occupied housing units in Topeka :  23,210

Topeka Renters Insurance as a Percentage of Rent

Topeka Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 364 1.0% $352
$200 to $299 1,004 4.0% $802
$300 to $499 3,346 14.0% $1252
$500 to $749 8,816 39.0% $1927
$750 to $999 5,568 24.0% $2677
$1,000 to $1,499 2,588 11.0% $3802
$1,500 or more 679 3.0% $5452

Protective device discount in Topeka Up to :  $31

Claims-free discount in Topeka Up to :  $41

Topeka, KS Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
66605 $98,000 $990
66604 $96,300 $990
66611 $95,200 $990
66606 $84,000 $980
66616 $70,600 $970
66608 $58,000 $960
66607 $53,800 $950
66612 $52,000 $950
66603 $48,000 $950
66610 $222,700 $1,110
66615 $169,000 $1,060
66618 $159,200 $1,050
66617 $149,400 $1,030
66614 $133,900 $1,030
66609 $114,100 $1,000