Compare Overland Park, KS Car Insurance Rates (2021)

The cheapest car insurance company in Overland Park, KS, is USAA. However, car insurance rates will vary for each person. Overland Park, KS car insurance must meet the Kansas minimum requirements with coverage levels of 25/50/25 for liability and 25/50 for uninsured/underinsured motorist coverage. Compare Overland Park, KS car insurance rates online to get the best price for you.

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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: Aug 16, 2021

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Here's what you need to know...

  • The average Overland Park, Kansas car insurance rates are $3,299/yr or $275/mo
  • The most affordable car insurance companies in Overland Park are American Family, Nationwide, and USAA
  • Kansas car insurance requirements are 25/50/25 and 25/50 in UM/UIM coverage
  • Overland Park’s chances of property crime are lower than the national average

On average, Overland Park, KS car insurance rates are $3,299 per year. The Kansas statewide annual average is $19 less than Overland Park’s annual average, but the national annual average is $633 more.

However, Overland Park, Kansas car insurance rates depend on the company and other factors that affect car insurance.

Our guide explains how you can secure cheap car insurance in Overland Park, Kansas, for every age, credit history, and driving record.

Ready to find affordable Overland, Park, KS car insurance? Enter your ZIP code above to get started.

Monthly Overland Park, KS Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Overland Park, KS auto insurance rates by ZIP Code below:

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Overland Park, KS Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Overland Park, KS against other top US metro areas’ auto insurance costs.

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What is the cheapest car insurance company in Overland Park, KS?

The cheapest auto insurance company in Overland Park, KS, is USAA. However, USAA is only available for military veterans and their immediate families. The following most affordable companies are American Family and Nationwide.

The cheapest Overland Park, KS car insurance providers can be found below. You also might be wondering, “How do those Overland Park, KS rates compare against the average Kansas car insurance company rates?” We uncover that too.

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Here are the best auto insurance companies in Overland Park, Kansas, ranked from cheapest to most expensive:

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

USAA, American Family, Nationwide, State Farm, and GEICO are the only Overland Park car insurance companies that offer cheaper than average car insurance rates. Expect these costs to be even lower when you qualify for discounts.

Before you get any discount, auto insurance providers will inspect specific factors that determine your auto insurance rates, such as age, gender, marital status, driving record, and credit history.

The most significant factor is your driving record. Some car insurance companies provide at least 15 percent off if you have a clean driving record. In addition to no traffic violations or accidents, a good credit history can lower your car insurance rates even more.

Even your address is a critical factor. Did you know your neighborhood ZIP code can save you hundreds more if you live in a safer address? The cheapest ZIP code in Overland Park, Kansas, is 66085, and its average car insurance cost is $289 per month.

If you’re a single driver under 25 years old, you could face auto insurance quotes up to $7,766 per year. On the other hand, married drivers over 24 may have car insurance rates of about $2,000 per year.

Overland Park, Kansas car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Overland Park, KS car insurance costs. Find the cheapest Overland Park, Kansas car insurance costs by coverage level below:

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Your credit score will play a major role in your Overland Park, KS car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Overland Park, Kansas car insurance costs by credit score below.

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Your driving record will affect your Overland Park, KS car insurance costs. For example, a Overland Park, Kansas DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Overland Park, Kansas car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Overland Park, Kansas car insurance. Factors affecting car insurance rates in Overland Park, KS may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Overland Park, KS car insurance rates. Young drivers are often considered high-risk. This Overland Park, Kansas does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Overland Park, KS.

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What are the minimum car insurance coverage requirements in Overland Park, KS?

All Overland Park drivers must have the minimum Kansas car insurance requirements, which are:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $15,000 per incident for property damage
  • $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage

Some auto insurance agents will recommend that you get a higher coverage limit to avoid out-of-pocket costs if you get into an accident.

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What affects car insurance rates in Overland Park, KS?

Did you know that your daily commute affects your car insurance? Even a city’s property crime stats can affect car insurance quotes.

According to Data USA, it takes the average Overland Park driver 19 minutes to get to work. Overland Park’s average commute time is six minutes faster than the national average commute time.

Although the FBI didn’t report Overland Park crime stats in 2019, NeighborhoodScout reported that Overland Park, KS has 17.34 property crimes per 1,000 residents, which is lower than the national average.

Overland Park, KS Auto Insurance: The Bottom Line

Overland Park, KS car insurance costs are less expensive than most cities in the United States. Under the right circumstances, you can save over $1,000 per year on car insurance. The easier way is to maintain a clean driving record and a good credit score.

Teen and young adult drivers should consider going under a parent or legal guardian’s car insurance policy to save. Also, you can get discounts for safety and anti-theft features on your vehicle.

Before you buy car insurance in Overland Park, KS, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get 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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Monthly Overland Park, KS Car Insurance Rates by ZIP Code
Overland Park, KS Car Insurance Rates vs. Top US Metro Car Insurance Rates
Overland Park, KS Car Insurance Rates by Company vs. City Average
Overland Park, KS Car Insurance Rates by Company and Age
The Cheapest Overland Park, KS Car Insurance Rates by Coverage Level
The Cheapest Overland Park, KS Car Insurance Rates by Credit Score
The Cheapest Overland Park, KS Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Overland Park, KS
Average Monthly Car Insurance Rates by Age & Gender in Overland Park, KS
Monthly Overland Park, KS Car Insurance Rates by ZIP Code
Overland Park, KS Car Insurance Rates vs. Top US Metro Car Insurance Rates
Overland Park, KS Car Insurance Rates by Company vs. City Average
Overland Park, KS Car Insurance Rates by Company and Age
The Cheapest Overland Park, KS Car Insurance Rates by Coverage Level
The Cheapest Overland Park, KS Car Insurance Rates by Credit Score
The Cheapest Overland Park, KS Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Overland Park, KS
Average Monthly Car Insurance Rates by Age & Gender in Overland Park, KS