In Topeka, State Farm provides the best home insurance, balancing affordability, customer service and coverage options. For those focused on price, State Farm also offers the lowest premium starting at $352 per month.
Cheap Home Insurance in Topeka
Updated: June 10, 2025
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Key Takeaways
In Topeka, State Farm is the best overall home insurance company and offers the cheapest rate of $4,228 per year.
Home insurance in Topeka costs an average of $603 per month or about $7,230 per year.
To get the best and cheapest home insurance in Topeka, determine your coverage needs beforehand, research costs and companies, and compare multiple quotes.
Best Cheap Home Insurance Companies in Topeka
| State Farm | 92 | $352 | $4,228 |
| American Family | 92 | $372 | $4,459 |
| Nationwide | 84 | $512 | $6,145 |
| Farmers | 80 | $481 | $5,770 |
| Allstate | 78 | $405 | $4,860 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Topeka Home Insurance Cost?
Home insurance costs in Topeka vary with your personal profile, coverage level and home details. Rates range from $225 to $2,061 per month. Compare personalized rates below based on your home’s age and desired coverage level to find the best fit for your needs.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $225 | $2,706 |
How to Get the Best Cheap Home Insurance in Topeka
Finding affordable homeowners insurance in Topeka can be challenging. We've created a step-by-step guide to help you discover the best cheap options for your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand helps you compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs for your city and profile helps you spot overpriced quotes. Know which discounts you qualify for so you can target companies that offer them.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes from various sources helps you identify the best option for you. Pricing also varies depending on where you get your quote. We recommend requesting quotes using online tools and from independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Topeka: Bottom Line
The best and most affordable home insurance companies in Topeka are State Farm, American Family and Nationwide. Comparing multiple quotes on your own is the smartest way to ensure you're getting the best rate.
Topeka Home Insurance: FAQ
Below, we answer your common questions about home insurance in Topeka.
Who offers the best home insurance in Topeka?
We recommend State Farm as the best home insurance provider in Topeka for its affordable pricing, excellent service and broad selection of add-ons. We also recommend getting quotes from American Family, Nationwide, Farmers and Allstate.
Who has the cheapest home insurance in Topeka?
For the average Topeka homeowner, State Farm offers the cheapest home insurance at about $352 per month or $4,228 per year. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Topeka?
The cost of home insurance in Topeka ranges from $2,706 to $24,729 annually, with rates influenced by the age of the home and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Topeka
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Topeka. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.