Cheapest Car Insurance Quotes in Topawa

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Topawa Car Insurance

^$ 44

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Topawa

The car insurance rate in Topawa is $1129 for a six-month policy, which is $112 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $521, making it a popular choice for budget-conscious drivers. Rates in Topawa can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Topawa

$1129

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Topawa

1st place: Root Insurance Company

At $521 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $686 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $718 for six months, making it the third cheapest auto insurance company in Topawa.

Topawa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Topawa, AZ is Root Insurance Company, offering policies at just $521 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $686.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1207 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Topawa drivers find the best deals.

Cheap Car Insurance Companies in Topawa, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$521	$89
Auto-Owners Insurance Co	$686	$114
Farmers	$718	$122
Mercury	$738	$123
Hartford	$771	$131
Iowa Farm Bureau	$778	$130
Travelers	$917	$154
USAA	$1074	$181
Progressive	$1088	$183
State Farm	$1108	$186
Auto-Owners	$1247	$210
Farm Bureau	$1615	$270
Allstate	$1682	$283
The Hartford	$1682	$283
CSAA	$2242	$381
Nationwide	$1207	$201

Key Takeaways

Way's key takeaways about car insurance in Topawa

The auto insurance costs in Topawa fall around $521 for six months.
The cheapest auto insurance company in Topawa is Mercury.
Teen drivers pay the highest rate in Topawa at $976 per month.

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Cheapest Minimum Liability Car Insurance in Topawa

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Topawa are given below.

Mercury provides the cheapest minimum car insurance coverage in Topawa. Their Average 6 Month Premium is $264. The Hartford is the most expensive at $679 for the same period.

Cheapest Liability Coverage in Topawa, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$264	$44
Auto-Owners Insurance Co	$343	$59
Travelers	$343	$58
Country Financial	$350	$60
Root Insurance Company	$356	$59
USAA	$363	$61
Farmers	$376	$62
Auto-Owners	$395	$67
Iowa Farm Bureau	$395	$65
State Farm	$435	$73
Progressive	$448	$75
Allstate	$567	$95
Farm Bureau	$613	$102
The Hartford	$679	$115

Cheapest Full Coverage Car Insurance in Topawa

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Topawa is Root Insurance Company at $89 per month and $521 for six months.

Cheapest Full Coverage Car Insurance Quotes in Topawa, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$521	$89
Auto-Owners Insurance Co	$686	$114
Farmers	$718	$122
Mercury	$738	$123
Hartford	$771	$131
Iowa Farm Bureau	$778	$130
Travelers	$917	$154
USAA	$1074	$181
Progressive	$1088	$183
State Farm	$1108	$186
Auto-Owners	$1247	$210
Farm Bureau	$1615	$270
Allstate	$1682	$283
The Hartford	$1682	$283
CSAA	$2242	$381
Nationwide	$1207	$201

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Average Car Insurance in Topawa by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Topawa, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Topawa, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Topawa's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Topawa

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Topawa,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Topawa at $53 per month. At $5855 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$316	$53
Root Insurance Company	$363	$62
Country Financial	$408	$68
Farmers	$462	$79
Auto-Owners Insurance Co	$468	$78
Iowa Farm Bureau	$488	$83
Travelers	$1339	$225
USAA	$1583	$266
State Farm	$1648	$278
Progressive	$2559	$431
Allstate	$2729	$460
Farm Bureau	$4180	$710
Auto-Owners	$4214	$703
The Hartford	$5340	$908
CSAA	$5855	$976

Teen Car Insurance Rates in AZ by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Topawa, Mercury is the cheapest car insurance provider. At $303 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Topawa is State Farm, offering rates of around $7609 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$303	$51
Root Insurance Company	$455	$78
Country Financial	$488	$81
Farmers	$547	$93
Nationwide	$561	$93
Iowa Farm Bureau	$713	$121
Hartford	$725	$121
Progressive	$1148	$193
Travelers	$1173	$198
Allstate	$2162	$364
USAA	$2169	$362
Farm Bureau	$2789	$474
The Hartford	$3449	$575
Auto-Owners	$4147	$705
State Farm	$7609	$1268

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Car Insurance Rates with An Accident in Topawa

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Topawa, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Topawa

The cheapest car insurance companies after an at-fault accident in Topawa include Root Insurance Company and Country Financial, offering $448 and $455, respectively. CSAA is an expensive provider with an average six-month premium of $3640.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$448	$74
Country Financial	$455	$78
Auto-Owners Insurance Co	$534	$89
Noblr	$751	$128
Travelers	$785	$132
Root	$818	$139
State Farm	$837	$141
General Casualty	$1022	$174
USAA	$1048	$176
Progressive	$1200	$202
Farmers	$1510	$254
Mercury	$1570	$264
Farm Bureau Mutual (IA Group)	$1622	$271
Auto-Owners	$1747	$294
Metromile	$1846	$307
General Agents Group	$2077	$353
Country	$2196	$366
Encompass	$2387	$406
Allstate	$2413	$406
Nationwide	$2565	$436
The Hartford	$2611	$440
Safeway	$2920	$496
Farm Bureau	$3086	$514
Permanent General	$3158	$537
MetLife	$3600	$601
CSAA	$3640	$619

Topawa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Topawa AZ. For example, the car insurance in Topawa after a DUI increases to $1338 for a six month policy. While the rate increases by $271 for a six-month policy in the case of a speeding ticket.

Topawa auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1299	$216
One Med/PIP claim	$1299	$221
Not-at-fault accident	$1305	$218
One comp claim	$1359	$231
Two Med/PIP claims	$1359	$226
Two comp claims	$1411	$240
Failure to wear a seat belt	$1484	$248
Child safety restraint	$1543	$262
Driving without lights	$1543	$258
Failure to show documents	$1543	$262
Speeding 6 - 10 MPH over limit	$1570	$262
Driving too slowly	$1628	$276
Speeding 11 - 15 MPH over limit	$1628	$272
Speeding in school zone	$1628	$276
Driving with expired registration	$1642	$274
Speeding 16 - 20 MPH over limit	$1642	$279
Cell phone violation	$1648	$275
Failure to stop at a red light	$1648	$281
Failure to yield	$1648	$275
Following too closely	$1648	$281
Illegal turn	$1648	$275
Texting while driving	$1648	$281
Wrong way/wrong lane	$1648	$275
Improper passing	$1675	$285
Speeding 21 - 25 MPH over limit	$1695	$282
In 65 MPH zone	$1721	$293
Passing school bus	$1740	$290
At-fault accident - less than $1000	$1787	$304
Operating a vehicle without permission	$1879	$313
At-fault accident - $1000-$2000	$1931	$329
At-fault accident - greater than $2000	$1958	$326
Open container	$2057	$350
Reckless driving	$2281	$381
Driving with a suspended license	$2354	$401
DUI	$2637	$440
Refusal to submit to a chemical test	$2637	$448
Racing	$2696	$450
Leaving scene of an accident/hit and run	$2710	$461

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Topawa after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Topawa.

The cheapest car insurance premiums in Topawa are offered by Mercury at $350 for a six-month policy. However, it can be as expensive as $3923 with companies like Farm Bureau.

Topawa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$350	$58
Root Insurance Company	$395	$68
Country Financial	$495	$82
Hartford	$619	$105
Progressive	$830	$140
Travelers	$924	$155
Farmers	$996	$168
State Farm	$1134	$191
USAA	$1602	$270
Nationwide	$1985	$337
Auto-Owners	$2611	$435
The Hartford	$2868	$487
Allstate	$3039	$512
Farm Bureau	$3923	$667

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Topawa are offered by AutoOwners Insurance Co at $343. However, it can be as expensive as $3732 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Topawa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$343	$59
Mercury	$376	$62
Country Financial	$408	$70
Root Insurance Company	$448	$74
Farmers	$462	$79
State Farm	$890	$150
Travelers	$989	$167
Progressive	$996	$168
USAA	$1411	$240
Auto-Owners	$1444	$241
Farm Bureau	$2196	$373
The Hartford	$2499	$416
Allstate	$3732	$635

Car Insurance Price Trends in Topawa, Arizona

Car insurance rates in Topawa have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Topawa rose by $233 in January compared to $134 of December. In other words, there has been an increase by $99 when you compare January and December.

The average cost of liability insurance in the Topawa rose to $70 in January, compared to $60 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Topawa?

The car insurance in Topawa is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Topawa?

The cheapest car insurance in Topawa is $89 per month for full coverage.

How much is car insurance in Topawa for teenagers?

Car insurance for teenagers costs $316 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Topawa?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $190 per month to insure your car in Topawa.

Is car insurance expensive in Topawa?

Car insurance can be expensive in Topawa if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Topawa can be affordable.

What is the best car insurance in Topawa, AZ?

The best car insurance company in Topawa AZ is Root Insurance Company, offering $521 for a six-month policy.