Best Cheap Auto Insurance in Overland Park, KS (2021)

The average Overland Park, KS auto insurance rates are $275 per month. The minimum auto insurance in Overland Park is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Overland Park, Kansas, 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

  • Average auto insurance rates in Overland Park, KS for senior drivers are $1,852 per year
  • The most expensive auto insurance company in Overland Park for teen drivers is Liberty Mutual
  • The cheapest auto insurance company in Overland Park is USAA

Overland Park, Kansas auto insurance requirements are 25/50/25 according to Kansas auto insurance laws. Finding cheap auto insurance in Overland Park 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 Overland Park, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Overland Park to other Kansas cities, including Olathe auto insurance rates, Topeka auto insurance rates, and Manhattan auto insurance rates to see how Overland Park, Kansas auto insurance rates stack up.

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

Minimum Auto Insurance in Overland Park, Kansas

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

Minimum Required Auto Insurance Coverage in Overland Park, Kansas

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

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Cheap Overland Park, Kansas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Overland Park, Kansas 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 Overland Park, Kansas

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 $2,459 $2,366 $2,236 $2,295 $7,310 $8,282 $2,482 $2,551
American Family $1,638 $1,638 $1,481 $1,481 $3,268 $3,945 $1,638 $1,851
Farmers $2,411 $2,382 $2,144 $2,252 $7,116 $7,360 $2,729 $2,851
GEICO $2,222 $2,170 $2,251 $2,095 $4,293 $5,806 $2,658 $1,871
Liberty Mutual $2,174 $2,340 $2,149 $2,402 $11,430 $12,753 $2,307 $2,475
Nationwide $1,753 $1,789 $1,574 $1,680 $4,111 $4,982 $2,106 $2,235
Progressive $2,273 $2,135 $1,839 $1,924 $9,013 $10,133 $2,696 $2,902
State Farm $1,696 $1,696 $1,524 $1,524 $5,078 $6,405 $1,919 $2,197
Travelers $2,012 $2,040 $2,006 $2,018 $8,655 $13,523 $2,075 $2,383
USAA $1,168 $1,171 $1,087 $1,075 $4,322 $4,468 $1,553 $1,588

Cheap Overland Park, Kansas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Overland Park, Kansas is a challenge. Take a look at the annual teen auto insurance rates in Overland Park, Kansas.

Annual Auto Insurance Rates for Teen Drivers in Overland Park, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,310 $8,282
American Family $3,268 $3,945
Farmers $7,116 $7,360
GEICO $4,293 $5,806
Liberty Mutual $11,430 $12,753
Nationwide $4,111 $4,982
Progressive $9,013 $10,133
State Farm $5,078 $6,405
Travelers $8,655 $13,523
USAA $4,322 $4,468

Cheap Overland Park, Kansas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Overland Park, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,236 $2,295
American Family $1,481 $1,481
Farmers $2,144 $2,252
GEICO $2,251 $2,095
Liberty Mutual $2,149 $2,402
Nationwide $1,574 $1,680
Progressive $1,839 $1,924
State Farm $1,524 $1,524
Travelers $2,006 $2,018
USAA $1,087 $1,075

Cheap Overland Park, Kansas 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 Overland Park, Kansas compared to the annual auto insurance rates with a clean record in Overland Park, Kansas.

Annual Overland Park, Kansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,187 $3,733 $4,440 $3,630
American Family $2,080 $2,230 $2,080 $2,080
Farmers $3,067 $3,981 $3,878 $3,696
GEICO $1,856 $3,013 $4,603 $2,211
Liberty Mutual $3,511 $5,442 $5,328 $4,733
Nationwide $1,943 $2,215 $3,761 $2,195
Progressive $3,786 $4,469 $3,975 $4,228
State Farm $2,519 $2,991 $2,755 $2,755
Travelers $3,113 $4,123 $5,729 $4,391
USAA $1,494 $2,038 $2,969 $1,715

Cheap Overland Park, Kansas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Overland Park, Kansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,440
American Family $2,080
Farmers $3,878
GEICO $4,603
Liberty Mutual $5,328
Nationwide $3,761
Progressive $3,975
State Farm $2,755
Travelers $5,729
USAA $2,969

Cheap Overland Park, Kansas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Overland Park, Kansas

Insurance Company Poor Fair Good
Allstate $4,621 $3,546 $3,076
American Family $2,767 $1,953 $1,634
Farmers $4,274 $3,446 $3,247
GEICO $4,540 $2,400 $1,823
Liberty Mutual $4,754 $4,754 $4,754
Nationwide $2,768 $2,496 $2,323
Progressive $4,672 $3,977 $3,694
State Farm $4,012 $2,397 $1,856
Travelers $4,984 $4,095 $3,938
USAA $2,779 $1,851 $1,532

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Cheap Overland Park, Kansas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Overland Park, Kansas

ZIP Code Average Annual Rates
66083 $3,470
66085 $3,467
66207 $3,618
66210 $3,574
66212 $3,609
66213 $3,563
66214 $3,595
66215 $3,527
66221 $3,495
66223 $3,582
66224 $3,557

Cheap Overland Park, Kansas Auto Insurance Rates By Commute

Commute length and annual mileage affect Overland Park, Kansas auto insurance. Find the cheapest annual Overland Park, Kansas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Overland Park, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,748 $3,748
American Family $2,091 $2,144
Farmers $3,656 $3,656
GEICO $2,861 $2,981
Liberty Mutual $4,754 $4,754
Nationwide $2,529 $2,529
Progressive $4,114 $4,114
State Farm $2,685 $2,825
Travelers $4,339 $4,339
USAA $1,998 $2,110

Cheap Overland Park, Kansas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Overland Park, Kansas

Insurance Company Low Medium High
Allstate $3,631 $3,739 $3,873
American Family $2,129 $2,224 $2,001
Farmers $3,491 $3,635 $3,840
GEICO $2,820 $2,917 $3,026
Liberty Mutual $4,618 $4,741 $4,902
Nationwide $2,642 $2,506 $2,439
Progressive $3,883 $4,079 $4,380
State Farm $2,632 $2,764 $2,869
Travelers $4,093 $4,349 $4,575
USAA $1,971 $2,048 $2,143

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Best By Category: Cheapest Auto Insurance in Overland Park, Kansas

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

Best Annual Auto Insurance Rates by Company in Overland Park, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

The Cheapest Overland Park, Kansas Auto Insurance Companies

What auto insurance companies in Overland Park, Kansas are the cheapest? Compare the top Overland Park, Kansas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Overland Park, Kansas

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

What affects auto insurance rates in Overland Park, Kansas?

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

Overland Park Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Overland Park, Kansas auto theft statistics, there have been 343 auto thefts in the city.

Overland Park Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Overland Park, Kansas commute length is 20.1 minutes according to City-Data.

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Compare Overland Park, Kansas Auto Insurance Quotes

Before you buy Overland Park, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Overland Park, Kansas 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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