Affordable Car Insurance Rates in Overland Park, KS (2021)
Car insurance rates in Overland Park, KS are $275/month on average. By law, Kansas drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Overland Park car insurance companies to get the coverage you need at the best rates available.
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Written by
Leslie Kasperowicz
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Reviewed by
Melanie Musson
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UPDATED: Apr 14, 2022
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- The cheapest car insurance company in Overland Park for teen drivers is American Family
- Average car insurance rates in Overland Park, KS for senior drivers are $1,852/year
- The annual number of car thefts in Overland Park is 343.
Average car insurance rates in Overland Park, Kansas are $275 a month. But with a little research you can get a great deal from the top car insurance companies in Overland Park, KS. Before you buy Overland Park, Kansas car insurance, make sure your coverage meets or exceeds the Kansas minimum of 25/50/25.
It may even be helpful to compare Overland Park car insurance rates with Olathe car insurance rates, Lenexa car insurance rates, or Lawrence car insurance rates to make sure you’re getting the best Overland Park, KS car insurance quotes available.
Need affordable Overland Park, KS car insurance? Enter your ZIP code to compare Overland Park car insurance quotes from multiple car insurance companies near you.
Table of Contents
Overland Park, KS Minimum Car Insurance Coverage
Overland Park, Kansas law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.
| 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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Overland Park, KS Car Insurance Rates by Coverage Level
Some Overland Park drivers can get by with the Kansas minimum coverage of 25/50/25. Other drivers may need more. See how much your Overland Park, Kansas car insurance rates may be based on the coverage you need.
| 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 |
Overland Park, KS Car Insurance Rates by Age, Gender, and Marital Status
Overland Park, Kansas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Overland Park, KS car insurance, get quotes from multiple car insurance companies in the Overland Park area and see how these criteria affect your rates.
| 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 |
Overland Park, KS Car Insurance Rates for Teens
How much is Overland Park, Kansas car insurance for teens? Compare rates from top Overland Park car insurance companies below to help find the cheapest teen car insurance in Overland Park, KS.
| 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 |
Overland Park, KS Car Insurance Rates for Seniors
Before seniors buy Overland Park, Kansas car insurance, they should make sure to shop around. Some Overland Park, KS car insurance companies may offer discounts or other savings options for senior car insurance.
| 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 |
Overland Park, KS Car Insurance Rates by Credit History
How does your credit history affect Overland Park, KS car insurance rates? Review the numbers here to find out.
| 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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Overland Park, KS Car Insurance Rates by Driver History
How does a single speeding ticket affect your Overland Park, Kansas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Overland Park.
| 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 |
Overland Park, KS Car Insurance Rates With a DUI
Even a single DUI can increase your Overland Park, KS car insurance rates. Compare rates below to see which Overland Park car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car 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 |
Overland Park, KS Car Insurance Rates by ZIP Code
Just like Overland Park car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Overland Park, KS car insurance rates fluctuate by ZIP code.
| 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 |
Overland Park, KS Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Overland Park, KS car insurance rates may be. Let’s take a look at average car insurance rates from top Overland Park companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 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 |
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Overland Park, KS Cheapest Car Insurance Rates
How do the top Overland Park, Kansas car insurance companies’ average rates stack up against the Overland Park average monthly car insurance rates of $275? Take a look and see.
| 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 |
Overland Park, KS Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Overland Park, Kansas car insurance companies to help you find one that best fits your needs.
| 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 |
Other Factors Affecting Overland Park, KS Car Insurance Rates
Before you buy Overland Park, Kansas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Overland Park, KS Car Theft Rates
The car theft rate in Overland Park, KS will affect your car insurance rates. FBI data shows that the annual car theft rate for Overland Park, Kansas is 343 stolen cars.
Overland Park, KS Commute Time
How does your Overland Park, KS commute time compare with the average driver? In Overland Park, the average commute is 20.1 minutes.
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Overland Park, KS Car Insurance Quotes
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