Best Overland Park, Kansas Auto Insurance in 2024 (Find the Top 10 Companies Here)

On average, Overland Park, KS auto insurance rates are $3,299 annually, which is $19 more than the Kansas auto insurance statewide annual average, but Overland Park auto insurance is $633 cheaper than the national annual average.

However, Overland Park, Kansas auto insurance quotes depend on the company and other factors.

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

Monthly Overland Park, KS Car Insurance Rates by ZIP Code

Find more info about the monthly Overland Park, KS car insurance rates by ZIP Code below:

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

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Overland Park, Kansas against other top US metro areas’ auto insurance rates.

Are you ready to compare affordable Overland Park, KS auto insurance? Enter your ZIP code above to get started.

What is the cheapest auto 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. Check out our USAA auto insurance review for more information.

The following most affordable companies are American Family auto insurance and Nationwide auto insurance.

The cheapest Overland Park, KS auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Kansas auto insurance company rates?” We cover that as well.

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

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

USAA, American Family, Nationwide, State Farm, and Geico are the only Overland Park car insurance providers that offer cheaper than average car insurance.

Expect auto insurance costs to be lower when you qualify for discounts.

The quickest way to cheap Overland Park, KS auto insurance is through a clean driving record. While speeding violations produce small increases, accidents and DUIs can increase your policy past the average cost. If you need high-risk auto insurance, it will cost a lot more.

Age, gender, marital status, and credit history are other significant factors that determine your insurance.

Good or excellent credit histories are the most effective. You can save at least 15% on car insurance with good credit.

If you’re a single driver under 25 years old, you could face car 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 auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group. Auto insurance for teens and young drivers is usually the most expensive.

Your coverage level will play a significant role in your Overland Park, KS auto insurance rates. The types of car insurance you choose will impact your rates. Find the cheapest Overland Park, KS auto insurance rates by coverage level below:

Your credit score will play a major role in your Overland Park, KS auto insurance rates since auto insurance companies use credit scores to determine rates. Find the cheapest Overland Park, Kansas auto insurance rates by credit score below.

Your driving record will affect your Overland Park auto insurance rates. For example, a Overland Park, Kansas DUI may increase your auto insurance rates 40% to 50%. Cheap auto insurance for drivers with a DUI is not easy to find. Find the cheapest Overland Park, Kansas auto insurance rates by driving record.

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

These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Kansas. Kansas does use gender, so check out the average monthly auto insurance rates by age and gender in Overland Park, KS. Car insurance rates are more for males on average.

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

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

• $25,000 for bodily injury liability of one person per accident
• $50,000 for bodily injury of multiple people per accident
• $15,000 for property damage liability per accident
• $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.

The only coverage that will give you some assistance is uninsured/underinsured motorist coverage, but it won’t provide you with coverage when you’re at fault.

If you need coverage regardless of fault, add collision insurance or comprehensive insurance (combined with liability for full coverage auto insurance). For bodily injury, add personal injury protection and medical payments.

What other factors affect auto insurance rates in Overland Park, KS?

Did you know your neighborhood ZIP code is also a factor that affects car insurance? The cheapest ZIP code in Overland Park, Kansas, is 66085, and its average car insurance cost is $3,468 per year.

Auto insurance providers also want to know how much you drive.

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

Technically, you can save money in general in Overland Park based on the commute time. However, the safest way to decrease your average is to drive less.

Overland Park, KS weather isn’t a major factor for drivers throughout the year, but the city is known for floods, storms, and tornados.

Think about getting comprehensive insurance coverage to reassure you that you’re protected from sudden out-of-pocket costs.

Does property crime affect Overland Park, KS auto insurance?

Even a city’s property crime stats can affect car insurance quotes.

Although the FBI didn’t report Overland Park crime stats in 2019, NeighborhoodScout reported that Overland Park, Kansas had 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 may be more affordable than most cities in the United States, but it all depends on your circumstances.

The simplest way to get access to cheap Overland Park, KS auto insurance quotes is to maintain a clean driving record and a good credit score.

Teen and young adult drivers are likely to have more expensive rates, but remaining under a parent’s policy will bring those rates down.

Before you buy auto insurance in Overland Park, KS, be sure you’ve checked out rates from the top auto insurance companies. Enter your ZIP code below to get fast, free car insurance quotes.