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

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.