Best Overland Park, Kansas Auto Insurance in 2026 (Find the Top 10 Companies Here)

With starting rates as low as $48 per month, these providers offer a range of coverage that balances quality and cost. Farmers, in particular, excels with competitive rates and strong customer service, making it the top choice for savvy drivers.

Explore your options to find the right policy that fits your needs and budget. Dive deeper into “Auto Insurance Premium Defined” with our complete resource.

Our Top 10 Company Picks: Best Overland Park, Kansas Auto Insurance

Explore your car insurance options by entering your ZIP code above and finding which companies have the lowest rates.

#1 – Farmers: Top Overall Pick

Pros

• Coverage Options: Overland Park, Kansas, offers a range of coverage options that are flexible enough to meet your needs without requiring you to pay extra for unnecessary features.
• Mobile Experience: The farmers’ app lets Overland Park residents manage policies and file claims easily from their phones, as noted in our Farmers auto insurance review.
• Unique Programs: Accident forgiveness provides peace of mind and stable rates by preventing premium increases for drivers in Overland Park following an accident.

Cons

• Limited Discounts: Overland Park drivers may find eligibility criteria limiting, making it harder for budget-conscious individuals to fully benefit from savings.
• Complex Policy: Some policies contain jargon, which might confuse drivers about their coverage in Overland Park, KS. Unclear terms hinder individuals’ understanding of their costs.

#2 – Progressive: Best for Innovative Snapshot Program

Pros

• Snapshot Program: Some insurers offer the Snapshot program, a distinctive feature that rewards safe driving habits with potential discounts in Overland Park, Kansas.
• Claims Support: According to Progressive auto insurance review , drivers in Overland Park, KS, can get assistance anytime, ensuring peace of mind during unexpected issues outside regular hours.
• Diverse Coverage: Progressive offers options, from standard auto insurance to unique coverages like pet injury protection, allowing drivers in Overland Park, Kansas, to find a suitable policy.

Cons

• Premium Adjustments: While many drivers appreciate the low initial rates, some may face unexpected premium adjustments based on their driving habits in Overland Park, Kansas.
• Optional Coverages: While base rates are competitive, some optional coverages can be quite costly for Overland Park, Kansas residents, leading to significant increases in overall premiums.

#3 – Geico: Best for Quick Quote Process

Pros

• Quote Process: Getting a quote from Geico is quick and straightforward, which is especially beneficial for Overland Park, Kansas residents. It allows drivers to compare options easily.
• Low Cost Leader: Geico is known for its budget-friendly rates, making it a top choice for drivers in Overland Park, Kansas seeking affordable auto insurance.
• Discount Opportunities: Offers numerous discounts, including those for safe driving, bundling policies, and membership affiliations, which can further reduce premiums in Overland Park, KS.

Cons

• Rate Increases: Some customers in Overland Park, Kansas, have reported unexpected rate increases upon policy renewal. This can be frustrating for those trying to manage their budgets effectively.
• Claims Processing: While Geico is generally reliable, some drivers in Overland Park, KS, have experienced longer claims processing times, as noted in our Geico auto insurance review.

#4 – State Farm: Best for Comprehensive Insurance Products

Pros

• Insurance Products: Provides a diverse array of coverage options, making it easy for drivers in Overland Park, KS, to find a policy that suits their needs, as noted in our State Farm auto insurance review.
• Discount Opportunities: This program provides a variety of discounts that can greatly benefit drivers in Overland Park, KS. These include rewards for safe driving and savings for bundling insurance policies.
• Community Initiatives: The company actively participates in local events, highlighting its commitment to communities like Overland Park, Kansas. By engaging in community programs.

Cons

• Claims Process: While many appreciate the comprehensive coverage options offered, some drivers in Overland Park, KS, have found that navigating the claims process can be complex.
• Agent Quality: While many agents provide great service, experiences can vary. In Overland Park, Kansas, some customers struggle to find knowledgeable assistance when needed.

#5 – Nationwide: Best for Diverse Coverage 

Pros

• Diverse Coverage: According to Nationwide auto insurance review, Overland Park drivers have coverage options, allowing them to find the right policy for their needs, whether basic or comprehensive.
• Payment Plans: Provide significant flexibility for residents of Overland Park, KS. They can tailor their insurance expenses to better suit their financial situations.
• Online Platform: The online features are easy to use and make managing insurance policies for customers in Overland Park, Kansas, a breeze.

Cons

• Local Agent: Finding a local agent can sometimes be difficult, especially in certain areas, which may restrict personalized service for customers in Overland Park, Kansas.
• Policy Options: With a wide array of coverage options, drivers in Overland Park, Kansas, may find themselves feeling overwhelmed as they attempt to sort through the various choices.

#6 – Liberty Mutual: Best for Coverage Options

Pros

• Coverage Options: Provides a range of coverage options tailored to the varied needs of drivers in Overland Park, KS. Whether you’re seeking basic liability insurance or more comprehensive protection.
• Mobile Application: The mobile app significantly improves the customer experience in Overland Park, KS, by allowing users to manage their policies and access essential information while moving.
• Innovative Features: Unique features that increase the value of plans for drivers in Overland Park, Kansas, include accident forgiveness and new car replacement.

Cons

• Claims Processing: Some drivers in Overland Park, Kansas, commend the claims process for being straightforward and efficient, while others have experienced delays and complications.
• Limited Availability: According to Liberty Mutual auto insurance review, some Overland Park residents might find fewer choices than other insurers, limiting their ability to find a suitable policy.

#7 – Erie: Best for Coverage Options

Pros

• Coverage Options: Erie provides customizable coverage options for Overland Park drivers, allowing them to select plans that match their unique needs, as noted in our Erie auto insurance review.
• Affordable Pricing: Many drivers in Overland Park, KS, appreciate the competitive rates offered by Erie, making it a top choice for those seeking both affordability and quality coverage.
• Unique Benefits: Programs like a disappearing deductible offer a unique incentive for safe driving, making them especially appealing to conscientious drivers in Overland Park, Kansas.
  

Cons

• Limited Coverage: A drawback for some is that Erie isn’t available in every state, which could limit options for Overland Park, Kansas drivers planning to relocate or travel.
• Recognition Challenges: Erie’s lesser recognition may affect trust among Overland Park drivers, leading to hesitation, but its strong local reputation still attracts many customers.

#8 – Safeco: Best for Customizable Policies

Pros

• Customizable Policies: Safeco offers a range of options, allowing drivers in Overland Park, KS, to customize their insurance to fulfill their needs, as noted in our Safeco auto insurance review.
• Competitive Pricing: Many drivers in Overland Park, KS, value Safeco’s affordable rates, making it an appealing option for those seeking cost-effective insurance.
• Maximize Savings: These savings opportunities make insurance more affordable and reward responsible behavior. For Overland Park drivers, this means added value and reduced costs.

Cons

• Limited Coverage: In Overland Park, Kansas, Safeco might find that it offers fewer options than larger competitors, potentially limiting its ability to customize its policies fully.
• Complex Policy: The language in some policy documents can be challenging to understand, which may confuse drivers in Overland Park, Kansas, trying to decipher their coverage.

#9 – American Family: Best for Diverse Coverage

Pros

• Diverse Coverage: With so many coverage options available, drivers in Overland Park, Kansas, can be sure to find a plan from American Family that suits their individual needs.
• Variety of Discounts: Customers in Overland Park, KS, can save money on their premiums by taking advantage of several discount options, such as combining policies and keeping a clean driving record.
• Online Portal: Customers in Overland Park, Kansas, may stay informed and organized with the help of online management tools, which make it simple to navigate policies and claims.

Cons

• Higher Premiums: Some demographic groups might find higher premiums, which could deter budget-conscious individuals in Overland Park, Kansas, as noted in our American Family auto insurance review.
• Policy Clarity: The clarity of policy documents can vary, potentially leading to misunderstandings and confusion among drivers in Overland Park, Kansas.

#10 – Travelers: Best for Coverage Choices

Pros

• Coverage Choices: Offers a wide selection of coverage options, ensuring that drivers in Overland Park, Kansas, can find a plan tailored to their specific needs, according to Travelers auto insurance review.
• Claims Handling: Travelers are often praised for their efficient claims processing, reassuring drivers in Overland Park, Kansas, during challenging times.
• Roadside Assistance: Travelers in Overland Park, Kansas, offer drivers peace of mind by providing optional roadside help in case of unforeseen problems while driving.

Cons

• Higher Premiums: Some drivers in Overland Park, Kansas, might find that initial rates are higher compared to competitors, which could discourage budget-conscious customers.
• Limited Discounts: Not all discounts may apply to every driver in Overland Park, Kansas, potentially limiting savings for some policyholders.

Monthly Car Insurance Rates in Overland Park, KS, by ZIP Code

Discovering the right car insurance rate in Overland Park, KS, can be a bit of a puzzle, especially when you consider the impact of ZIP code differences. For further details, check out our in-depth “Auto insurance rates by ZIP code” article.

Overland Park, Kansas Auto Insurance Monthly Rates by Provider & Coverage Level

To help you find the best options, we’ve broken down monthly insurance rates by ZIP code, giving you a clearer picture of what you can expect. Whether you’re a longtime resident or new to the area, this guide will help you navigate your choices more effectively.

Auto Insurance Discounts From the Top Providers in Overland Park, Kansas

Understanding the variations in car insurance rates by ZIP code can be crucial for making informed decisions in Overland Park, KS. By examining these monthly rates, you can better assess how your specific location might influence your insurance costs.

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

Take advantage of this information to ensure you’re getting the best coverage at a rate that fits your budget.

By evaluating how Overland Park stacks up against major cities, you can gain valuable insights into how location influences insurance premiums and make a more informed decision about your coverage. Are you ready to compare affordable Overland Park, KS auto insurance? Enter your ZIP code above to get started.

The Cheapest Auto Insurance Company in Overland Park, KS

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.

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.

Several states, including Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania, have moved away from using gender as a factor in determining auto insurance rates. However, age remains a significant factor, especially in Kansas, where young drivers are considered higher risk and therefore face higher premiums.

Monthly Cost of Overland Park, KS Auto Insurance by Age & Gender

While Kansas still incorporates gender into its rate calculations, it’s important to review the average monthly auto insurance rates by both age and gender in Overland Park, KS. Generally, male drivers tend to incur higher insurance costs compared to their female counterparts.

Minimum Auto Insurance Coverage Requirements for Overland Park, KS

Auto insurance agents often suggest increasing your coverage limits to minimize out-of-pocket expenses in the event of an accident. While uninsured/underinsured motorist coverage can offer some protection, it typically does not cover costs if you are found at fault in an accident.

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.

Did you know that your ZIP code can impact your car insurance rates? In Overland Park, Kansas, the ZIP code 66085 is associated with the lowest average monthly car insurance cost of $346. Read our extensive guide on “Factors That Affect Auto Insurance Rates” for more knowledge.

Insurance providers also consider your driving habits, including how much you drive. According to Data USA, the average commute time for Overland Park residents is 19 minutes, which is six minutes shorter than the national average. While a shorter commute can contribute to lower insurance costs, the most effective way to reduce your premiums is by driving less overall.

Overland Park, Kansas Report Card: Auto Insurance Premiums

Although the weather in Overland Park isn’t a major factor year-round, the city does experience floods, storms, and tornadoes. To ensure you’re covered for these potential risks, consider adding comprehensive insurance to your policy. This will provide added peace of mind and help protect you from unexpected out-of-pocket expenses.

Impact of Property Crime on Auto Insurance Rates in Overland Park, KS

Overland Park, KS Auto Insurance: Key Takeaways

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.