Compare the Cheapest Car Insurance Quotes in Olathe

The average cost of car insurance in Olathe is $816 per year, which is 12.4% cheaper than the state average. USAA is the least expensive carrier in the city, but it only serves veterans, current military members and their families. For the general public, the most affordable option is Nationwide, at $655 annually.

To help drivers balance low costs with high-quality insurance, MoneyGeek rated the best car insurers in Olathe. We also evaluated the cheapest options by driving history and coverage amount to find a rate that fits your profile.

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The Cheapest and Best Car Insurance in Olathe

The Cheapest Car Insurance Companies in Olathe

The cheapest providers in Olathe for full coverage are:

  • USAA: $541 per year (only available to former and current military members and their families)
  • Nationwide: $655 per year

The most affordable carrier for the general public is Nationwide. Its prices are 46.4% cheaper than the costliest company, Progressive. To find the best car insurance in Olathe, consumers should shop around and compare quotes.

These rates are for a 40-year-old male driver with a full coverage policy, which includes liability insurance to cover the cost of third-party damages and comprehensive and collision insurance to cover damages to your own vehicle.

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Average Cost of Car Insurance in Olathe

Olathe$816
Kansas$931
U.S.$1,424

Drivers should ideally shop for car insurance online to find the best deals. In Olathe, the average yearly cost of auto insurance is $816, which is 42.7% less than the national average and 12.4% lower than the state average.

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The Best Car Insurance Companies in Olathe

To help consumers balance quality service with low costs, MoneyGeek ranked the best providers in Olathe.

As per our rating system, the companies with the best scores are:

  • Auto-Owners Insurance: MoneyGeek score of 97.5 out of 100
  • GEICO: MoneyGeek score of 92.5 out of 100

Note: USAA is actually the winner in our ranking, but it is available only to those with a military background.

MoneyGeek’s unique scoring system considered J.D. Power’s user satisfaction ratings, financial stability and affordability to select the top companies.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:98

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:93

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

5
Travelers
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Progressive
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Auto Club of Southern California Insurance Group
Score:83

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
American Family
Score:78

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:78

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Liberty Mutual
Score:78

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Farm Bureau Ins of MI
Score:75

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

14
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Olathe

MoneyGeek encourages drivers to get personalized quotes because car insurance rates vary based on factors such as age, driving history, driving experience, gender, coverage level and more. It’s advisable to get quotes regularly to check if you can get discounts and rebates for your changing circumstances. To find the cheapest rates, you should shop around and compare car insurance quotes.

Shopping around for car insurance in Olathe could save you $161, which is enough to buy:


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54Cups of Coffee
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12Months of Your Favorite Streaming Service

Cheapest Car Insurance in Olathe by Coverage Amount

Your car insurance rates depend a great deal on the coverage amount you choose. In Olathe, the cost of state minimum coverage is $414 per year on average compared to $816 a year for 100/300/100 full coverage. The extra cost of $402 per year can be worth it as full coverage provides comprehensive protection even if you are at fault.

Kansas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
  • Uninsured Motorist
    $25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
  • Personal Injury Protection
    $4,500 per person for medical expenses. $900 a month for a up to a year of disability or loss of income coverage. $25 a day for in-home services. $4,500 for rehabilition-related expenses. $2,000 for funeral, burial or creamation expenses
  • Other
    Survivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services

In Olathe, Nationwide’s price for 50/100/50 liability-only coverage is $360 per year on average, while 50/100/50 full coverage costs $653 a year. To explain the 50/100/50 limits, $50,000 is available per person for injuries, with $100,000 for total injuries per accident and $50,000 for property damage.

The difference between liability-only and full coverage is that for liability coverage, the insurer will only pay the costs of the other party in an at-fault accident, while full coverage will cover your costs too. To find cheap car insurance in Olathe, drivers should compare prices from multiple providers.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Olathe if You Have Driving Violations

MoneyGeek encourages drivers to drive defensively to protect themselves and save on car insurance costs as driving offenses can increase rates. In Olathe, a Nationwide policyholder with a speeding ticket pays about $139 more than a driver with no violations. Meanwhile, an at-fault accident adds $457, and a DUI adds $746 on average.

Average Cost of Car Insurance by Postal Code

Your neighborhood in Olathe, Kansas, makes a small difference for your auto insurance costs. This is because localities with more accidents, car thefts and uninsured motorists are riskier to cover and therefore more expensive. However, in Olathe, this factor is not as crucial. There is a difference of only $7 per year between the auto insurance rates of the cheapest and most expensive ZIP codes.

  • Zip Code
    State Minimumper year
  • 66061
    $812
  • 66062
    $819

Factors That Impact Insurance Costs in Olathe

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Olathe. How Olathe ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities223rd/300
handcuffs2 icon
Most Car Thefts244th/300
uninsured icon
Most Uninsured Motorists by State44th/50
insurance2 icon
Personal Injury Protection RequiredYes
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Most Annual Rainfall116th/300
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Most Rainy Days144th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Olathe are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.