Compare Olathe, KS Car Insurance Rates (2021)

The cheapest Olathe, KS car insurance is offered by American Family, although rates will vary by driver. Auto insurance in Olathe must meet the state minimum requirements of 25/50/25 in liability coverage, 25/50 in uninsured-underinsured motorist coverage, and $4,500 in personal injury protection. These limits are low, and drivers should consider increasing their limits and adding additional coverage to save on out pocket Olathe car insurance costs.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Mar 19, 2021

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Here's what you need to know...

  • American Family offers the cheapest car insurance to all drivers in Olathe, KS
  • Olathe, KS is part of the larger Kansas City, MO metropolitan area
  • Car insurance rates in Olathe are below average

Olathe, KS car insurance costs are fairly low. Although average Kansas car insurance rates are more expensive than the national average, Olathe rates are less than both the state and national averages.

Even though average rates are low, you still want to find the most affordable Olathe, KS car insurance out there. Compare rates from multiple companies to find cheap car insurance for you.

Enter your ZIP code now to compare free Olathe, KS car insurance quotes today.

What is the cheapest car insurance company in Olathe, KS?

Although USAA actually offers the cheapest car insurance in Olathe, it only offers coverage to the military, veterans, and their families. American Family is the cheapest company that offers coverage to all Olathe drivers.

The top Olathe, KS car insurance companies listed from least to most expensive are:

  • USAA – $2,038.20
  • American Family – $2,111.54
  • Nationwide – $2,439.86
  • State Farm – $2,725.68
  • GEICO – $2,896.90
  • Farmers – $3,661.61
  • Allstate – $3,735.92
  • Progressive – $3,980.76
  • Travelers – $4,113.05
  • Liberty Mutual – $4,654.82

Your car insurance rates are affected by many different factors, including your age, driving record, and credit history. Even the Olathe, KS weather can raise your rates since rain and snow can lead to more accidents.

Where you live can also impact your auto insurance rates. Drivers who live in larger cities with higher crime and traffic rates will pay more. For example, Wichita car insurance is more expensive than coverage in Olathe.

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What car insurance coverage is required in Olathe, KS?

Most states, including Kansas, require drivers to carry at least a minimum amount of car insurance. Drivers in Olathe must carry:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • $4,500 in personal injury protection (PIP) coverage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

Kansas is a no-fault state, meaning that your car insurance will pay for damages and injuries no matter who caused the accident. This is why PIP coverage is required.

It’s easy to see that the minimum required coverage in Olathe will be exhausted quickly in a serious accident. Drivers should consider increasing limits and adding additional coverages such as comprehensive and collision to be fully insured.

What affects car insurance rates in Olathe, KS?

Traffic can cause your car insurance rates to go up. More traffic equals a higher chance of being in an accident.

INRIX doesn’t have data for Olathe, but it does list nearby Kansas City, MO as the 86th most congested city in the U.S.

City-Data reports that most drivers in Olathe, KS commute around 20 minutes.

Theft can also drive your auto insurance rates up. According to the FBI, there were 152 motor vehicle thefts in Olathe in one year.

Olathe, KS Car Insurance: The Bottom Line

Rates in the city are pretty low but shop around before you buy Olathe, KS car insurance. Each company will charge different rates, and comparison shopping will help you find the best coverage at the cheapest rate.

Enter your ZIP code to compare Olathe, KS car insurance rates from multiple companies for free today.

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