Cheapest and Best Car Insurance in Olathe, KS (July 2024)


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Updated: July 11, 2024

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In Olathe, Kansas, Auto-Owners offers the cheapest rate for minimum coverage car insurance. It provides the best customer service and the best overall value, balancing cost and quality. American Family is the most affordable provider for full coverage, while Nationwide is the most budget-friendly option for families with teens. Ultimately, the right insurer depends on individual requirements and coverage preferences.

MoneyGeek Logo IconBest & CheapestCar InsuranceOlathe
2024

Cheapest and Best Car Insurance in Olathe

Why Trust MoneyGeek? We analyzed 49,812 quotes in Kansas from 14 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Olathe insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Olathe, KS, as of July 2024.

49,812Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Coverage Car Insurance in Olathe

MoneyGeek found that Auto-Owners is the cheapest option in Olathe for minimum coverage car insurance. For those looking to save, consider the following options:

  • Auto-Owners: $375 per year
  • Travelers: $469 per year

Dairyland has the most expensive minimum coverage policy in Olathe, with an annual premium of $1,387. This significant price difference of $1,012 between the cheapest and most costly options highlights the importance of shopping around to ensure you get the best deal for your car insurance needs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Auto-Owners Insurance CoAnnual Premium$375Monthly Premium$31
TravelersAnnual Premium$469Monthly Premium$39
Iowa Farm BureauAnnual Premium$506Monthly Premium$42
GEICOAnnual Premium$517Monthly Premium$43
American FamilyAnnual Premium$521Monthly Premium$43
ProgressiveAnnual Premium$522Monthly Premium$43
Farmers Union InsuranceAnnual Premium$525Monthly Premium$44
State FarmAnnual Premium$543Monthly Premium$45

State Minimum Liability Requirements

For residents in Kansas cities, state law dictates the minimum car insurance coverage requirements:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist bodily injury per person
  • $50,000 uninsured motorist bodily injury per accident
  • $4,500 personal injury protection (PIP) per person

If you have the minimum coverage and are liable for an accident, your policy will cover up to $25,000 for injuries per person but not more than $50,000. If costs exceed these limits, you'll need to pay the difference out of pocket. The law sets the basic requirements, providing a safety net for drivers across Kansas.

Cheapest Full Coverage Car Insurance in Olathe

MoneyGeek found that American Family offers the cheapest full coverage car insurance. These are the most affordable options:

  • American Family: $914 per year
  • Auto-Owners: $921 per year

Dairyland has the most expensive full coverage policy in Olathe at $2,902 per year, which is significantly higher than American Family's rate. This $1,988 disparity illustrates the importance of comparison shopping to find the best deal. Full coverage policies include comprehensive and collision insurance, driving costs higher than minimum coverage policies.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$914Monthly Premium$76
Auto-Owners Insurance CoAnnual Premium$921Monthly Premium$77
TravelersAnnual Premium$988Monthly Premium$82
NationwideAnnual Premium$1,092Monthly Premium$91
GEICOAnnual Premium$1,110Monthly Premium$93
FarmersAnnual Premium$1,160Monthly Premium$97
ShelterAnnual Premium$1,172Monthly Premium$98
State FarmAnnual Premium$1,314Monthly Premium$109

Do You Need Full Coverage in Kansas?

Full coverage policies feature higher liability ceilings. They also incorporate comprehensive and collision insurance.

  • Collision Insurance: This type of insurance is essential for covering damages to your automobile from an accident with another vehicle or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: Provision for the costs incurred due to damages to your car from non-collision-related incidents, such as theft, vandalism, fires, environmental hazards or being hit by an animal like a deer.

Owners of brand-new vehicles are advised to opt for full coverage insurance to protect their substantial investment. However, for those with older vehicles, the value of enhanced protection may not justify the cost. Calculating how much car insurance you need involves weighing the demand for more comprehensive coverage and higher premiums against the potential risk of inadequate coverage.

Cheapest Car Insurance in Olathe After a Driving Offense

MoneyGeek found that American Family is the cheapest company for drivers with a poor driving record in Olathe.

  • Speeding Ticket: American Family ($1,096 per year)
  • At-Fault Accident: American Family ($914 per year)
  • DUI: American Family ($1,096 per year)

These rates demonstrate significant savings compared to companies with the most expensive premiums for similar offenses. For example, at $4,105 per year, Dairyland has the highest rate for those with an at-fault accident on their record. More severe driving offenses can lead to much higher rates, but affordable options are still available, depending on the company.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
American FamilyAnnual Premium$1,096Monthly Premium$91
NationwideAnnual Premium$1,291Monthly Premium$108
GEICOAnnual Premium$1,318Monthly Premium$110
TravelersAnnual Premium$1,341Monthly Premium$112
Auto-Owners Insurance CoAnnual Premium$1,386Monthly Premium$115
State FarmAnnual Premium$1,459Monthly Premium$122
ShelterAnnual Premium$1,515Monthly Premium$126
FarmersAnnual Premium$1,523Monthly Premium$127

Drivers in Olathe and other cities face higher insurance premiums as the severity of driving offenses increases due to the elevated risk for insurers. For instance, drivers with a DUI can expect an annual premium of about $2,999 compared to around $2,270 for those with a speeding ticket — a notable difference of $729. This substantial variance underscores the need for individuals with driving infractions to diligently compare insurance rates, as finding competitive quotes can lead to significant savings.

Cheapest Car Insurance in Olathe for Teens and Their Families

MoneyGeek found that Nationwide offers the cheapest option in Olathe for families adding a teen driver to their policy. Here are the deals parents can expect for their teens:

  • 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

These rates show the combined premium for a policy covering two parents and a teenager. GEICO has the most expensive policy for adding a teen driver in Olathe, with a male teen's annual premium at $3,189. That's a difference of $2,052 when compared to the cheapest option. This significant variation illustrates the need to compare quotes to find the cheapest car insurance for teens, who are considered higher-risk drivers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,050Individual Plan Monthly Premium$1,958
State FarmFamily Plan Annual Premium$2,053Individual Plan Monthly Premium$2,517
TravelersFamily Plan Annual Premium$2,066Individual Plan Monthly Premium$3,985
FarmersFamily Plan Annual Premium$2,419Individual Plan Monthly Premium$5,588
ProgressiveFamily Plan Annual Premium$2,459Individual Plan Monthly Premium$5,623
AllstateFamily Plan Annual Premium$2,519Individual Plan Monthly Premium$7,854
GEICOFamily Plan Annual Premium$2,572Individual Plan Monthly Premium$4,390
Auto-Owners Insurance CoFamily Plan Annual Premium$2,735Individual Plan Monthly Premium$2,767

In Olathe and similar cities, teenage drivers should consider a joint family car insurance policy rather than an individual policy, which could significantly cut expenses. An individual policy for teens costs around $5,081 per year, whereas adding a teen to a family policy averages $2,565 per year, marking an almost 50% reduction in premiums. The elevated costs for individual teen policies are due to insurers viewing young drivers as high risk — liable to make claims more often than experienced drivers. Insurability can also be a hurdle, with some providers reluctant to offer individual policies to teens without an established driving record or credit history. It's financially prudent for families to explore shared insurance plans to ensure affordable and comprehensive coverage.

Cheapest Car Insurance in Olathe for Military Drivers

MoneyGeek found that USAA offers the cheapest car insurance for military backgrounds in Olathe.

  • USAA: $693 per year
  • American Family: $914 per year

USAA offers specialized services that cater to the unique needs of active-duty military members. If you belong to the military community, consider USAA for cost efficiency and tailored service.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$693Monthly Premium$58
American FamilyAnnual Premium$914Monthly Premium$76
Auto-Owners Insurance CoAnnual Premium$921Monthly Premium$77
TravelersAnnual Premium$988Monthly Premium$82
NationwideAnnual Premium$1,092Monthly Premium$91
GEICOAnnual Premium$1,110Monthly Premium$93
FarmersAnnual Premium$1,160Monthly Premium$97
ShelterAnnual Premium$1,172Monthly Premium$98

How to Compare Cheap Olathe Car Insurance Quotes Online

Seeking the best car insurance rates in Olathe can lead to savings. However, it is often time-consuming, taking over an hour to compare at least three companies.

MoneyGeek's car insurance calculator streamlines this process, focusing on key factors that impact Olathe's car insurance costs. You can swiftly obtain a rate estimate by inputting your age, driving history, credit score, desired coverage level, and other relevant details.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 12, 2024

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Best Car Insurance in Olathe: Overview

The ideal auto insurance aligns with your priorities, whether service quality, cost, coverage or other factors. MoneyGeek applied specific scoring criteria and found that Auto-Owners is the best provider for various consumer preferences in Olathe.

  • Best overall: Auto-Owners (MoneyGeek score 83 out of 100)
  • Best for service: Auto-Owners (MoneyGeek score 78 out of 100)
  • Best cheap: Auto-Owners (MoneyGeek score 88 out of 100)

Auto-Owners taking the lead in all categories, offering the best combination of service, affordability and coverage in Olathe.

Overall Best Car Insurance in Olathe

MoneyGeek found that Auto-Owners offers the best car insurance in Olathe, providing consumers with an exceptional blend of quality and affordability. Consider these top-rated providers:

  • Auto-Owners: MoneyGeek score of 83 out of 100 ($921 per year)
  • American Family: MoneyGeek score of 81 out of 100 ($914 per year)

Auto-Owners excels with the highest MoneyGeek score for a full coverage policy due to its remarkable customer satisfaction and claims ratings. These two areas are significant factors in its overall evaluation, indicating a balance between customer experience and cost-effectiveness.

Company logo for Auto-Owners
Best OverallAuto-Owners
MoneyGeek Score:
83/ of 100

Overview

Auto-Owners excels in affordability and claims, which are the cornerstone attributes leading to its top-tier MoneyGeek score. The company is well-equipped to meet the essential needs of car owners, offering both common coverages: roadside assistance and rental car and/or travel reimbursement.

For those seeking comprehensive protection, Auto-Owners offers valuable rare coverages like diminished value coverage, which safeguards the value of your car after an accident. Its coverage package simplifies the selection process, bundling multiple beneficial options. It also provides gap insurance and accident forgiveness. Auto-Owners' high scores indicate its commitment to customer satisfaction and financial reliability, ensuring customers get high-quality service without burdening their wallets.

Best Car Insurance in Olathe for Customer Service

MoneyGeek found that Auto-Owners is the best option in Olathe for car insurance, with particular excellence in customer service. This is based on overall customer satisfaction, efficient claims handling and the breadth of coverage options available to policyholders, without considering cost.

  • Auto-Owners: MoneyGeek score of 78 out of 100 ($921 per year)
  • American Family: MoneyGeek score of 75 out of 100 ($914 per year)

Auto-Owners stands out in Olathe due to its leading claims score, a critical component of the MoneyGeek evaluation process. The score and its strong customer satisfaction and stability ratings showcase its overall service excellence superiority.

Company logo for Auto-Owners
Best for Customer ServiceAuto-Owners
MoneyGeek Score:
78/ of 100

Overview

Auto-Owners excels due to its stellar claims and satisfaction scores. This insurer includes both common coverages, roadside assistance and rental car and/or travel reimbursement, enhancing client support.

Among Auto-Owners' offerings, gap insurance shields clients from the depreciation hit when a new car loses value. Its coverage package streamlines protection and adds convenience. A widely applicable rare coverage is diminished value coverage, compensating for the reduced market value post-accident. Despite not offering every possible coverage, Autor-Owners' high MoneyGeek scores reflect its quality of services.

Best Cheap Car Insurance in Olathe

MoneyGeek found that Auto-Owners is the best option in Olathe for drivers seeking top-notch yet affordable car insurance coverage. The MoneyGeek score considers factors including affordability, claims handling and general satisfaction to help consumers make an informed decision. The two top providers in Olathe are:

  • Auto-Owners: MoneyGeek score of 88 out of 100 ($375 per year)
  • American Family: MoneyGeek score of 80 out of 100 ($521 per year)

Auto-Owners stands out from the competition through its excellent balance of affordability and top-tier claims service. Its affordable policies and high claims satisfaction scores make the company a compelling choice for a minimum coverage policy. Its performance in the MoneyGeek scoring system demonstrates a strong commitment to providing value to its customers.

Company logo for Auto-Owners
Best Cheap CompanyAuto-Owners
MoneyGeek Score:
88/ of 100

Overview

Auto-Owners has full marks in the claims handling and affordability categories, ensuring both efficient customer service and budget-friendly rates. The average motorist pays $375 per year for a minimum coverage policy, showcasing the company's highly competitive pricing. Auto-Owners dedicates itself to providing affordable protection without compromising on quality service.

Average Cost of Car Insurance in Olathe

In Olathe, Kansas, the average cost of car insurance is $1,269, which is less than the average car insurance cost in Kansas at $1,340 per year. The Kansas state average is cheaper by $442 than the national average of $1,781.

The premiums for car insurance are influenced by various factors, with location being a significant one. The cost of insurance in different areas can vary due to the risk levels associated with those areas, traffic density and the likelihood of accidents or theft. Kansas City has the most expensive premium in Kansas at $1,520 per year. Olathe is the cheapest, with a premium of $1,269. The rate difference of $251 highlights the impact of location on car insurance costs. In less densely populated, non-city areas, rates may be even more economical due to lower traffic density.

Kansas CityAnnual Premium$1,520
OlatheAnnual Premium$1,269
Overland ParkAnnual Premium$1,325
TopekaAnnual Premium$1,294
WichitaAnnual Premium$1,412

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.