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

USAA is the cheapest auto insurance company in Overland Park. However, Overland Park, KS auto insurance rates vary for each person. Overland Park 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 auto insurance quotes online to find the best price for you.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Aug 4, 2021

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Things to Remember

  • Overland Park, KS auto insurance rates are $3,299/yr on average
  • USAA is the most affordable auto insurance company in Overland Park
  • Kansas auto insurance requirements are 25/50/25 and 25/50 in UM/UIM coverage
  • Overland Park’s property crime rate is much lower than the national average

On average, Overland Park, KS auto insurance rates are $3,299 annually, which is $19 more than the Kansas 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:

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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.

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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.

The following most affordable companies are American Family and Nationwide.

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.

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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 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.

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 percent 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.

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Your coverage level will play a significant role in your Overland Park, KS auto insurance rates. Find the cheapest Overland Park, KS auto insurance rates by coverage level below:

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

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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 percent. Find the cheapest Overland Park, Kansas auto insurance rates by driving record.

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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.

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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.

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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 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 and comprehensive insurance (full coverage). For bodily injury, add personal injury protection and medical payments.

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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 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.

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

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Monthly Overland Park, KS Auto Insurance Rates by ZIP Code
Overland Park, KS Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Monthly Overland Park, KS Auto Insurance Rates by ZIP Code
Overland Park, KS Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Overland Park, KS Auto Insurance Rates by Company vs. City Average
Overland Park, KS Auto Insurance Rates by Company and Age
The Cheapest Overland Park, KS Auto Insurance Rates by Coverage Level
The Cheapest Overland Park, KS Auto Insurance Rates by Credit Score
The Cheapest Overland Park, KS Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Overland Park, KS
Average Monthly Auto Insurance Rates by Age & Gender in Overland Park, KS
Overland Park, KS Auto Insurance Rates by Company vs. City Average
Overland Park, KS Auto Insurance Rates by Company and Age
The Cheapest Overland Park, KS Auto Insurance Rates by Coverage Level
The Cheapest Overland Park, KS Auto Insurance Rates by Credit Score
The Cheapest Overland Park, KS Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Overland Park, KS
Average Monthly Auto Insurance Rates by Age & Gender in Overland Park, KS
Monthly Overland Park, KS Auto Insurance Rates by ZIP Code
Overland Park, KS Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Overland Park, KS Auto Insurance Rates by Company vs. City Average
Overland Park, KS Auto Insurance Rates by Company and Age
The Cheapest Overland Park, KS Auto Insurance Rates by Coverage Level
The Cheapest Overland Park, KS Auto Insurance Rates by Credit Score
The Cheapest Overland Park, KS Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Overland Park, KS
Average Monthly Auto Insurance Rates by Age & Gender in Overland Park, KS