Cheapest and Best Car Insurance Companies in Olathe, KS

The ideal auto insurance provider for you will depend on your driving record and requirements. Nationwide offers the cheapest policies for minimum coverage, full coverage, teen drivers and drivers with speeding tickets. American Family offers the cheapest premiums to drivers with an at-fault accident, while State Farm is the cheapest for those with a DUI. USAA is the cheapest for individuals with a military background, and Shelter offers the best customer service.

On average, the following companies offer the cheapest car insurance in Olathe for minimum coverage:

• Nationwide: $242 per year
• State Farm: $316 per year

Dairyland has the most expensive rates in the city, at $1,208 per year as of October 2022. Iowa Farm Bureau offers the cheapest auto insurance in Kansas at around $349 per year. This slight difference in pricing shows how rates can vary based on location.

In Kansas, liability-only policies are required to provide minimum coverage at the following limits:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $25,000 uninsured/underinsured motorist coverage per person
• $50,000 uninsured/underinsured motorist coverage per accident

The limits for PIP insurance are:

• $4,500 for medical expenditures per person
• $900 per month for one year for disability/income loss
• $25 per day for in-home services
• $2,000 for funeral burial or cremation expenses per person
• $4,500 in rehabilitation expenses per person

Anything over these limits will need to be paid out of your own pocket.

The cheapest car insurance providers in Olathe for full coverage are:

• Nationwide: $641 per year
• State Farm: $804 per year

At around $2,622 per year, Dairyland has the most expensive average rate in the city. According to our research, American Family offers the cheapest full coverage auto insurance in Kansas at $837 per year as of October 2022. Your location can impact your premiums.

Full coverage, which includes collision and comprehensive insurance, can be purchased for extra protection.

• Collision Insurance: Covers damage to your vehicle caused by collisions with other vehicles or objects.
• Comprehensive Insurance: Covers vehicle damage caused by theft, animals or harsh weather.

We recommend that drivers with newer vehicles obtain full coverage since it safeguards their investment. For drivers with older vehicles, full coverage may not be cost-effective.

The following companies offer the cheapest auto insurance in Olathe to drivers with poor driving records:

• Speeding ticket: Nationwide ($739 per year)
• At-fault accident: American Family ($869 per year)
• DUI: State Farm ($888 per year)

On average, Dairyland has the highest premiums for drivers with speeding tickets ($3,243 per year) and at-fault accidents ($3,654 per year). GEICO is the most expensive insurance provider for drivers with a DUI (roughly $2,732 per year). A poor driving history can substantially increase premiums. In many cases, drivers with traffic offenses pay higher rates than drivers with a clean driving record.

After a driving offense, car insurance premiums typically rise. Compared to a driver with a clean driving record in Olathe, our analysis indicated that drivers with a DUI pay around $679 more, and drivers with a speeding ticket pay around $269 more. You can still find cheap auto insurance for drivers with a bad driving record by comparing rates.

The cheapest auto insurance in Olathe for a 16-year-old driver on a family policy includes:

• Nationwide: $1,050 per year for female teens and $1,137 per year for male teens
• State Farm: $2,053 per year for female teens
• Travelers: $2,546 per year for male teens

The most expensive provider for female teens is Auto-Owners Insurance, costing around $2,735 annually, while the most expensive provider for male teens is GEICO, costing around $3,189 annually. Male teenagers are often charged a higher premium since they are deemed high-risk. These rates taper off in adulthood.

Rather than getting a separate policy, you can save money by including your teen driver on the family plan. In Olathe, it costs around $2,544 more for male teens to purchase their own policy. You can save money on insurance premiums by comparing insurance providers to find the cheapest auto insurance for teens.

The following companies provide the cheapest auto insurance for military members, veterans and their families:

• USAA: $525 per year
• Nationwide: $641 per year

These rates apply to full coverage policies. On average, USAA offers the cheapest minimum coverage premiums for military members at $217 per year, followed by Nationwide at $242 per year.

It can take up to 15 minutes to submit your information to a single car insurance online quote tool. Repeating this approach with more insurance companies can take a substantial amount of time.

MoneyGeek provides a reliable car insurance calculator so that you can quickly obtain an estimate. Simply enter your age, vehicle make and model, driving record and coverage level to receive quotes.

Choosing the best auto insurance company depends on your priorities. The best auto insurers in Olathe include:

• Best overall: Auto-Owners Insurance (MoneyGeek score of 79 out of 100)
• Best for service: Shelter (MoneyGeek score of 68 out of 100)
• Best cheap: Auto-Owners Insurance (MoneyGeek score of 81 out of 100)

Scores can change depending on the weightings in each category. American Family is the best auto insurance provider in Kansas, showing how ratings can change based on location. USAA is another excellent option for military drivers, earning a score of 85 out of 100.

Our scoring system for this category has been modified to prioritize affordability and customer satisfaction. The best car insurance companies in Olathe are:

• Auto-Owners Insurance: MoneyGeek score of 79 out of 100 ($813 per year)
• American Family: MoneyGeek score of 77 out of 100 ($869 per year)

Auto-Owners Insurance has high scores in affordability and coverage options. USAA is another excellent option for military drivers in Olathe, with a MoneyGeek score of 85 out of 100.

We did not consider affordability when picking the best auto insurance companies in Olathe for customer service. Our picks are:

• Shelter: MoneyGeek score of 68 out of 100 ($1,100 per year)
• Auto-Owners Insurance: MoneyGeek score of 66 out of 100 ($813 per year)

Shelter received high ratings for customer satisfaction and coverage options. However, it has one of the most expensive rates in the city, so you will pay more for quality service.

We picked auto insurance policies with the minimum coverage required by Kansas law. The best cheap car insurance companies in Olathe are:

• Auto-Owners Insurance: MoneyGeek score of 81 out of 100 ($323 per year)
• Nationwide: MoneyGeek score of 77 out of 100 ($242 per year)

Minimum coverage in Olathe might not provide adequate protection in the event of an accident. These policies offer cheaper premiums but typically offer limited coverage for liability costs and car damage.

As of October 2022, a full coverage policy costs an average of $1,016 per year in Olathe, $44 less than the average cost of auto insurance in Kansas. Olathe's rates are also $249 less than the national average cost of auto insurance.

These rates are based on a full coverage policy with bodily injury liability limits of $300,000 per accident and $100,000 per person. This also includes a property damage liability of $100,000 per accident. Remember that location is only one of several factors that influence insurance premiums.