Compare Overland Park, KS Car Insurance Rates (2021)

Car insurance in Overland Park, KS averages $275 a month. Overland Park, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Overland Park car insurance rates, compare quotes from the top car insurance companies in Overland Park, KS.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Overland Park is 66085
  • Average car insurance rates in Overland Park, KS after a DUI are $3,952/year
  • The cheapest car insurance company in Overland Park for teen drivers is American Family

If you need to buy Overland Park, Kansas car insurance, the options can be confusing. Everything you need to know about car insurance in Overland Park, KS is right here.

You’ll find Overland Park car insurance rates, the cheapest Overland Park, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Overland Park, Kansas car insurance rates to Salina car insurance rates, Topeka car insurance rates, and Olathe car insurance rates.

Ready to find affordable Overland Park, KS car insurance today? Enter your ZIP code for fast, free Overland Park car insurance quotes.

Cheapest Overland Park, KS Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Overland Park, KS car insurance rates? Every Overland Park, Kansas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Overland Park, Kansas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,459 $2,366 $2,236 $2,295 $7,310 $8,282 $2,482 $2,551
American Family $1,638 $1,638 $1,481 $1,481 $3,268 $3,945 $1,638 $1,851
Farmers $2,411 $2,382 $2,144 $2,252 $7,116 $7,360 $2,729 $2,851
GEICO $2,222 $2,170 $2,251 $2,095 $4,293 $5,806 $2,658 $1,871
Liberty Mutual $2,174 $2,340 $2,149 $2,402 $11,430 $12,753 $2,307 $2,475
Nationwide $1,753 $1,789 $1,574 $1,680 $4,111 $4,982 $2,106 $2,235
Progressive $2,273 $2,135 $1,839 $1,924 $9,013 $10,133 $2,696 $2,902
State Farm $1,696 $1,696 $1,524 $1,524 $5,078 $6,405 $1,919 $2,197
Travelers $2,012 $2,040 $2,006 $2,018 $8,655 $13,523 $2,075 $2,383
USAA $1,168 $1,171 $1,087 $1,075 $4,322 $4,468 $1,553 $1,588

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Minimum Car Insurance in Overland Park, KS

Every driver must carry the minimum car insurance in Overland Park, KS. Take a look at the Kansas car insurance requirements.

Minimum Required Car Insurance Coverage in Overland Park, Kansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Overland Park, KS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Overland Park, KS. Compare credit history car insurance rates in Overland Park from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Overland Park, Kansas

Insurance Company Poor Fair Good
Allstate $4,621 $3,546 $3,076
American Family $2,767 $1,953 $1,634
Farmers $4,274 $3,446 $3,247
GEICO $4,540 $2,400 $1,823
Liberty Mutual $4,754 $4,754 $4,754
Nationwide $2,768 $2,496 $2,323
Progressive $4,672 $3,977 $3,694
State Farm $4,012 $2,397 $1,856
Travelers $4,984 $4,095 $3,938
USAA $2,779 $1,851 $1,532

Cheapest Overland Park, KS Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Overland Park, KS to rates for a clean record with top companies.

Annual Overland Park, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,187 $3,733 $4,440 $3,630
American Family $2,080 $2,230 $2,080 $2,080
Farmers $3,067 $3,981 $3,878 $3,696
GEICO $1,856 $3,013 $4,603 $2,211
Liberty Mutual $3,511 $5,442 $5,328 $4,733
Nationwide $1,943 $2,215 $3,761 $2,195
Progressive $3,786 $4,469 $3,975 $4,228
State Farm $2,519 $2,991 $2,755 $2,755
Travelers $3,113 $4,123 $5,729 $4,391
USAA $1,494 $2,038 $2,969 $1,715

Cheapest Overland Park, KS Car Insurance for Teen Drivers

Teen car insurance in Overland Park, KS can be expensive. Take a look at rates from the top car insurance companies in Overland Park for teenagers.

Annual Car Insurance Rates for Teen Drivers in Overland Park, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,310 $8,282
American Family $3,268 $3,945
Farmers $7,116 $7,360
GEICO $4,293 $5,806
Liberty Mutual $11,430 $12,753
Nationwide $4,111 $4,982
Progressive $9,013 $10,133
State Farm $5,078 $6,405
Travelers $8,655 $13,523
USAA $4,322 $4,468

Cheapest Overland Park, KS Car Insurance for Seniors

Take a look at Overland Park, KS senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Overland Park, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,236 $2,295
American Family $1,481 $1,481
Farmers $2,144 $2,252
GEICO $2,251 $2,095
Liberty Mutual $2,149 $2,402
Nationwide $1,574 $1,680
Progressive $1,839 $1,924
State Farm $1,524 $1,524
Travelers $2,006 $2,018
USAA $1,087 $1,075

Cheapest Overland Park, KS Car Insurance Rates After a DUI

A DUI in Overland Park, KS increases car insurance rates. Compare Overland Park, Kansas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Overland Park, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,440
American Family $2,080
Farmers $3,878
GEICO $4,603
Liberty Mutual $5,328
Nationwide $3,761
Progressive $3,975
State Farm $2,755
Travelers $5,729
USAA $2,969

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Cheapest Overland Park, KS Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Overland Park, KS by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Overland Park, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,748 $3,748
American Family $2,091 $2,144
Farmers $3,656 $3,656
GEICO $2,861 $2,981
Liberty Mutual $4,754 $4,754
Nationwide $2,529 $2,529
Progressive $4,114 $4,114
State Farm $2,685 $2,825
Travelers $4,339 $4,339
USAA $1,998 $2,110

Cheapest Overland Park, KS Car Insurance Rates by ZIP Code

Overland Park car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Overland Park, KS.

Annual Car Insurance Rates by ZIP Code in Overland Park, Kansas

ZIP Code Average Annual Rates
66083 $3,470
66085 $3,467
66207 $3,618
66210 $3,574
66212 $3,609
66213 $3,563
66214 $3,595
66215 $3,527
66221 $3,495
66223 $3,582
66224 $3,557

The Best Cheap Car Insurance Companies in Overland Park, KS

Take a look at a side-by-side comparison of the top car insurance companies in Overland Park, KS to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Overland Park, Kansas

Insurance Company Average Annual Rates
Allstate $3,748
American Family $2,118
Farmers $3,656
GEICO $2,921
Liberty Mutual $4,754
Nationwide $2,529
Progressive $4,114
State Farm $2,755
Travelers $4,339
USAA $2,054

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Category Winners: Cheapest Car Insurance in Overland Park, Kansas

Find the cheapest car insurance companies in Overland Park, KS for each category right here.

Best Annual Car Insurance Rates by Company in Overland Park, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

Cheapest Overland Park, KS Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Overland Park car insurance rates. Find the cheapest Overland Park, KS car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Overland Park, Kansas

Insurance Company Low Medium High
Allstate $3,631 $3,739 $3,873
American Family $2,129 $2,224 $2,001
Farmers $3,491 $3,635 $3,840
GEICO $2,820 $2,917 $3,026
Liberty Mutual $4,618 $4,741 $4,902
Nationwide $2,642 $2,506 $2,439
Progressive $3,883 $4,079 $4,380
State Farm $2,632 $2,764 $2,869
Travelers $4,093 $4,349 $4,575
USAA $1,971 $2,048 $2,143

What affects car insurance rates in Overland Park, Kansas?

What factors can have an impact on Overland Park, KS car insurance? There are several reasons why Overland Park car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Overland Park, Kansas.

Car Theft in Overland Park

High levels of vehicle theft can make car insurance more expensive. Overland Park, KS car theft statistics from the FBI indicate 343 vehicle thefts a year.

Commute Time in Overland Park

The more time you spend in your car the higher the risk of an accident. The average commute length in Overland Park, KS is 20.1 minutes according to City-Data.

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Compare Car Insurance Quotes in Overland Park, KS

Ready to find affordable Overland Park, Kansas car insurance today? Enter your ZIP code for fast, free Overland Park, KS car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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