Best Cheap Auto Insurance in Olathe, CO (2021)

The average Olathe, CO auto insurance rates are $289 per month. The minimum auto insurance in Olathe is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Olathe, Colorado, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Olathe for teen drivers is Allstate
  • The cheapest auto insurance company in Olathe is GEICO
  • Average auto insurance rates in Olathe, CO for senior drivers are $2,058 per year

Olathe, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Olathe can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Olathe, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Olathe to other Colorado cities, including Denver auto insurance rates, Aurora auto insurance rates, and Centennial auto insurance rates to see how Olathe, Colorado auto insurance rates stack up.

Before you buy Olathe, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Olathe, Colorado auto insurance quotes.

Minimum Auto Insurance in Olathe, Colorado

Olathe, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Olathe, Colorado.

Minimum Required Auto Insurance Coverage in Olathe, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Olathe, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Olathe, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Olathe, Colorado

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 $3,401 $3,170 $3,050 $3,085 $11,897 $12,451 $3,744 $3,778
American Family $2,396 $2,396 $2,162 $2,162 $5,805 $7,777 $2,396 $2,942
Farmers $2,887 $2,840 $2,637 $2,878 $10,520 $10,367 $3,124 $3,094
GEICO $1,362 $1,492 $1,443 $1,637 $4,284 $4,539 $1,249 $1,272
Liberty Mutual $1,746 $1,737 $1,472 $1,613 $4,875 $5,322 $1,767 $1,806
Nationwide $2,053 $2,092 $1,839 $1,943 $5,148 $6,579 $2,357 $2,543
Progressive $2,367 $2,218 $2,037 $2,037 $7,819 $8,754 $2,675 $2,610
State Farm $1,673 $1,673 $1,501 $1,501 $4,758 $6,027 $1,870 $2,215
USAA $2,124 $2,131 $2,017 $2,032 $5,229 $6,000 $2,732 $2,984

Cheap Olathe, Colorado Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Olathe, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Olathe, Colorado.

Annual Auto Insurance Rates for Teen Drivers in Olathe, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,897 $12,451
American Family $5,805 $7,777
Farmers $10,520 $10,367
GEICO $4,284 $4,539
Liberty Mutual $4,875 $5,322
Nationwide $5,148 $6,579
Progressive $7,819 $8,754
State Farm $4,758 $6,027
USAA $5,229 $6,000

Cheap Olathe, Colorado Auto Insurance for Seniors

What are senior auto insurance rates in Olathe, Colorado? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Olathe, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,050 $3,085
American Family $2,162 $2,162
Farmers $2,637 $2,878
GEICO $1,443 $1,637
Liberty Mutual $1,472 $1,613
Nationwide $1,839 $1,943
Progressive $2,037 $2,037
State Farm $1,501 $1,501
USAA $2,017 $2,032

Cheap Olathe, Colorado Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Olathe, Colorado compared to the annual auto insurance rates with a clean record in Olathe, Colorado.

Annual Olathe, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,725 $5,447 $6,733 $5,382
American Family $2,591 $3,685 $4,805 $2,938
Farmers $4,042 $5,209 $5,148 $4,775
GEICO $1,528 $2,371 $2,762 $1,979
Liberty Mutual $2,218 $2,603 $2,720 $2,628
Nationwide $2,368 $3,224 $4,083 $2,603
Progressive $3,316 $4,574 $3,499 $3,868
State Farm $2,444 $2,860 $2,652 $2,652
USAA $2,313 $2,809 $4,894 $2,607

Cheap Olathe, Colorado Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Olathe, Colorado is not easy. Compare the annual rates for DUI auto insurance in Olathe, Colorado to find the best deal.

Annual Auto Insurance Rates After a DUI in Olathe, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,733
American Family $4,805
Farmers $5,148
GEICO $2,762
Liberty Mutual $2,720
Nationwide $4,083
Progressive $3,499
State Farm $2,652
USAA $4,894

Cheap Olathe, Colorado Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Olathe, Colorado annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Olathe, Colorado

Insurance Company Poor Fair Good
Allstate $7,112 $5,470 $4,133
American Family $4,558 $3,240 $2,716
Farmers $5,623 $4,494 $4,263
GEICO $2,588 $2,160 $1,732
Liberty Mutual $3,638 $2,217 $1,773
Nationwide $3,706 $2,939 $2,563
Progressive $4,345 $3,701 $3,396
State Farm $3,681 $2,367 $1,909
USAA $4,679 $2,660 $2,129

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Cheap Olathe, Colorado Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Olathe, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Olathe, Colorado to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Olathe, Colorado

ZIP Code Average Annual Rates
81425 $3,200

Cheap Olathe, Colorado Auto Insurance Rates By Commute

Commute length and annual mileage affect Olathe, Colorado auto insurance. Find the cheapest annual Olathe, Colorado auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Olathe, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,572 $5,572
American Family $3,430 $3,579
Farmers $4,793 $4,793
GEICO $2,117 $2,203
Liberty Mutual $2,542 $2,542
Nationwide $3,069 $3,069
Progressive $3,814 $3,814
State Farm $2,588 $2,717
USAA $3,067 $3,245

Cheap Olathe, Colorado Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Olathe, Colorado? Check out the comparison of annual Olathe, Colorado auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Olathe, Colorado

Insurance Company Low Medium High
Allstate $5,305 $5,555 $5,856
American Family $3,338 $3,578 $3,598
Farmers $4,133 $4,720 $5,527
GEICO $1,957 $2,124 $2,399
Liberty Mutual $2,421 $2,535 $2,671
Nationwide $3,080 $3,067 $3,061
Progressive $3,575 $3,824 $4,045
State Farm $2,481 $2,653 $2,824
USAA $3,024 $3,155 $3,288

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Best By Category: Cheapest Auto Insurance in Olathe, Colorado

Compare the cheapest auto insurance companies in Olathe, Colorado in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Olathe, Colorado

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

The Cheapest Olathe, Colorado Auto Insurance Companies

What auto insurance companies in Olathe, Colorado are the cheapest? Compare the top Olathe, Colorado auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Olathe, Colorado

Insurance Company Average Annual Rates
Allstate $5,572
American Family $3,505
Farmers $4,793
GEICO $2,160
Liberty Mutual $2,542
Nationwide $3,069
Progressive $3,814
State Farm $2,652
USAA $3,156

What affects auto insurance rates in Olathe, Colorado?

There are a lot of reasons why auto insurance rates in Olathe, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Olathe, Colorado. Many local factors may affect your Olathe auto insurance rates.

Olathe Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Olathe, Colorado commute length is 24.0 minutes according to City-Data.

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Compare Olathe, Colorado Auto Insurance Quotes

Before you buy Olathe, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Olathe, Colorado auto insurance quotes.

Free Auto Insurance Comparison

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

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