By: Ishan Mukhopadhyay May. 24, 2018

Raltin’s recent analysis of car insurance policies in Topeka city, KS, shows that the cheapest premiums are paid by 55-year-old women, at $211. On the other hand, the most expensive premium rates are paid by 16-year-old males, starting at $915. For this analysis, Raltin used data published by the Kansas Insurance Department. The coverage criteria for the insurance premiums were as follows: deductible rate and the comprehensive and collision rate at $1,000 each, the bodily injury per person and the property damage per accident limit were at $100,000 each, and the bodily injury per accident limit was $300,000. The car chosen was a 2013 Toyota Camry 4-door sedan.

The company that charges the most expensive premium for the cohort of 16-year-old male drivers is Progressive Northwest Insurance Company, at $5,447. The second most expensive premium rate is paid by 16-year-old female drivers, at $4,852. It is offered by the same company as with the previous cohort.

The cheapest premium of $211 for 55-year-old women is offered by Geico Advantage Insurance Company. The next cheapest premium rates are for 35-year-old females ($225) and for 35-year-old males ($226).

If you are a 16-year-old male, you are likely to be charged very high premium rates. But if you choose smartly, then your chances of saving are also the most significant. This claim is backed by the fact that the greatest difference between the 75th and 25th percentile in premium rates is for this cohort, at $1921. The second most significant difference (at $1,402) is for premiums paid by 16-year-old females.

The following graph compares premium rates across customer cohorts, in Topeka, Kansas.

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The following table compares the car insurance premiums for key cohorts in Topeka, KS, and the differences between the 75th and 25th percentile in premium rates.

CohortCheapest Car Insurance Companies in TOPEKA, KSMost Expensive Car Insurance Companies in TOPEKA, KSMedian Car Insurance Companies in TOPEKA, KS25th Percentile of Car Insurance Premiums in TOPEKA, KS75th Percentile of Car Insurance Premiums in TOPEKA, KSDollar Difference between 75th and 25th PercentilesPercentage Difference between 75th and 25th Percentiles
35-year-old femalesGeico Advantage Insurance Company ($225)Standard Fire Insurance Company ($988)Farmers Insurance Company Inc ($509)Geico Secure Insurance Company ($365)SAFECO Insurance Company of America ($636)$27142.61%
16-year-old femalesUpland Mutual Insurance, Inc. ($649)Progressive Northwestern Insurance Company ($4,852)Nationwide Insurance Company of America ($1,583)Geico Secure Insurance Company ($1,139)Standard Fire Insurance Company ($2,541)$1,40255.18%
55-year-old femalesGeico Advantage Insurance Company ($211)LM General Insurance Company ($886)Farmers Insurance Company Inc ($444)Shelter Mutual Insurance Company ($324)SAFECO Insurance Company of America ($551)$22741.2%
21-year-old femalesGeico Choice Insurance Company ($319)Standard Fire Insurance Company ($1,405)Alliance Indemnity Company ($752)American Family Insurance Company ($596)Allied Property and Casualty Insurance Company ($1,021)$42541.63%
70-year-old malesGeico Advantage Insurance Company ($244)LM General Insurance Company ($931)Farmers Insurance Company Inc ($478)Farm Bureau Property & Casualty Insurance Company ($353)Nationwide Insurance Company of America ($664)$31146.84%
70-year-old femalesGeico Advantage Insurance Company ($231)LM General Insurance Company ($947)Farmers Insurance Company Inc ($430)Farm Bureau Property & Casualty Insurance Company ($353)SAFECO Insurance Company of America ($557)$20436.62%
21-year-old malesGeico Choice Insurance Company ($323)Esurance Property and Casualty Insurance Company ($1,737)Progressive Direct Insurance Company ($895)Farm Bureau Property & Casualty Insurance Company ($701)Allied Property and Casualty Insurance Company ($1,173)$47240.24%
16-year-old malesGeico Choice Insurance Company ($915)Progressive Northwestern Insurance Company ($5,447)Allied Property and Casualty Insurance Company ($1,685)USAA Casualty Insurance Company ($1,241)Standard Fire Insurance Company ($3,162)$192160.75%
55-year-old malesGeico Advantage Insurance Company ($227)LM General Insurance Company ($936)Progressive Northwestern Insurance Company ($459)Shelter Mutual Insurance Company ($324)Nationwide Insurance Company of America ($626)$30248.24%
35-year-old malesGeico Advantage Insurance Company ($226)Standard Fire Insurance Company ($1,031)Progressive Direct Insurance Company ($507)Geico Secure Insurance Company ($387)Nationwide Insurance Company of America ($671)$28442.32%


ABOUT THE AUTHOR

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Ishan Mukhopadhyay

Ishan has over 5 years of experience as a freelance journalist and a content writer. He graduated from The English and Foreign Languages University and holds a Masters degree from the University of Hyderabad. Apart from the English language, Ishan's other passion is data driven journalism.

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