Updated: November 27, 2025
Advertising & Editorial Disclosure
GEICO offers the cheapest car insurance in Overland Park at $322 per year for minimum coverage and $873 per year for full coverage. Other insurers serving Overland Park include Auto-Owners, Travelers and State Farm.
Overland Park drivers pay an average of $565 per year for minimum coverage and $1,418 per year for full coverage.
GEICO also offers the cheapest car insurance in Kansas at $302 per year for minimum coverage and $849 per year for full coverage.
GEICO delivers Overland Park's cheapest minimum coverage at $322 per year, 43% lower than the city average of $565. Full coverage costs $873 annually with GEICO compared to Overland Park's average of $1,418.
Auto-Owners offers competitive alternatives at $355 for minimum coverage and $919 for full coverage. GEICO's pricing advantage saves Overland Park drivers about $20 monthly for minimum coverage versus typical city rates.
| GEICO | $27 | $73 | -43% |
| Auto-Owners | $30 | $77 | -39% |
| Travelers | $37 | $80 | -33% |
| Shelter | $50 | $108 | -9% |
| State Farm | $39 | $119 | -9% |
MoneyGeek'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.
Rates updated:
Nov 30, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  State Farm | 88 /of 100 | $76 |
| 2 |  Nationwide | 85 /of 100 | $78 |
| 3 |  GEICO | 78 /of 100 | $94 |
| 4 |  Farmers | 83 /of 100 | $96 |
| 5 |  Travelers | 81 /of 100 | $99 |
| 6 | 90 /of 100 | $111 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Adult drivers in Overland Park benefit from the lowest rates at $322 annually with GEICO. Senior drivers pay $504 per year with GEICO. Young drivers face premiums of $866 annually with Travelers, 169% more than adults.
GEICO and Travelers split the lowest rates across age categories, with GEICO serving adults and seniors while Travelers offers the best pricing for young drivers. Overland Park's affordable base rates make it one of Kansas's most budget-friendly cities for coverage.
Travelers and Auto-Owners offer the lowest rates for young Overland Park drivers, at $72 and $79 per month, respectively. Drivers ages 16 to 25 pay more due to inexperience and higher claim rates, but these two insurers price well below most national carriers in Kansas.
Young drivers save money with these insurers in a market where rates climb fast for new drivers.
| Travelers | $72 | $866 | -43% |
| Auto Owners | $79 | $945 | -38% |
| Geico | $88 | $1,055 | -31% |
| Farm Bureau | $100 | $1,195 | -21% |
| State Farm | $102 | $1,228 | -19% |
GEICO charges adults ages 26 to 64 the lowest Overland Park rates, 46% below the city average. Travelers and State Farm also offer competitive pricing for adult drivers with clean records.
These insurers maintain stable pricing across Johnson County, where suburban traffic and moderate losses create steadier premiums than in higher-density urban areas.
| Geico | $27 | $322 | -46% |
| Auto Owners | $30 | $355 | -41% |
| Travelers | $37 | $439 | -27% |
| State Farm | $39 | $470 | -22% |
| Farm Bureau | $42 | $508 | -15% |
GEICO charges Overland Park seniors $42 monthly ($504 yearly) for minimum coverage, the city's lowest rate. Travelers charges $99 monthly ($1,182 yearly) for full coverage. Both insurers rate age-related risk more favorably than carriers that raise premiums sharply for medical liability and repair costs.
| Geico | $42 | $504 | -39% |
| Travelers | $50 | $597 | -27% |
| Auto Owners | $51 | $617 | -25% |
| Farm Bureau | $51 | $616 | -25% |
| Shelter Insurance | $53 | $634 | -23% |
GEICO, State Farm, Travelers and Auto-Owners charge competitive rates for Overland Park high-risk drivers with bad credit, DUIs, accidents or speeding tickets. These insurers raise rates less aggressively after violations and maintain steadier pricing in a market where premiums jump sharply after infractions.
GEICO charges Overland Park drivers with bad credit $92 monthly for minimum coverage and $219 for full coverage, the city's lowest rates. GEICO uses a steadier credit-based pricing approach than most Kansas insurers, which raise rates sharply for drivers with poor credit.
| Geico | $92 | $1,103 | -37% |
| Farm Bureau | $96 | $1,149 | -35% |
| Shelter Insurance | $101 | $1,212 | -31% |
| Auto Owners | $103 | $1,234 | -30% |
| Nationwide | $126 | $1,515 | -14% |
State Farm and Travelers charge the lowest Overland Park rates for drivers with DUIs. State Farm charges $42 monthly for minimum coverage, 48% below the city average. Travelers charges the lowest full coverage rates at 41% below typical premiums. Both companies work well for drivers managing steep DUI surcharges.
| State Farm | $42 | $506 | -48% |
| Travelers | $50 | $598 | -38% |
| Progressive | $61 | $729 | -25% |
| Shelter Insurance | $71 | $853 | -12% |
| Farmers | $83 | $996 | 3% |
Auto-Owners charges $45 monthly for drivers with at-fault accidents, the city's lowest rate. This sits 40% below Overland Park's average, making Auto-Owners a good choice for drivers who want predictable, affordable coverage after a collision.
| Auto Owners | $45 | $537 | -40% |
| State Farm | $46 | $555 | -38% |
| Travelers | $47 | $570 | -37% |
| Geico | $49 | $585 | -35% |
| Farm Bureau | $66 | $787 | -13% |
GEICO charges drivers with speeding tickets $33 monthly for minimum coverage and $89 for full coverage, Overland Park's lowest rates. GEICO prices well below most carriers after a moving violation, giving drivers an affordable option while the ticket's impact fades over renewals.
| Geico | $33 | $395 | -48% |
| State Farm | $42 | $506 | -33% |
| Travelers | $44 | $533 | -29% |
| Auto Owners | $48 | $571 | -24% |
| Shelter Insurance | $53 | $633 | -16% |
In Overland Park, the top car insurance companies are Auto-Owners, Travelers, GEICO, Progressive and State Farm. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Auto-Owners | 96 | 2 | 1 | 6 |
| Travelers | 94 | 3 | 2 | 5 |
| GEICO | 89 | 1 | 6 | 7 |
| Progressive | 84 | 8 | 3 | 2 |
| State Farm | 83 | 5 | 5 | 7 |
Top-rated customer service
Competitive local rates
Strong accident forgiveness options
Limited online tools
Few add-on coverage choices
Auto-Owners ranks first in Overland Park thanks to outstanding customer service and competitive rates. It offers lower-than-average premiums for local drivers. Its high customer satisfaction ratings mean quick claims processing and helpful support. Auto-Owners is particularly good for drivers with older cars and those with previous accidents.
Excellent coverage options
Strong customer service ratings
Multiple driver discounts available
Average claims satisfaction
Higher rates for some drivers
Travelers ranks second in Overland Park for coverage options and customer service. The company charges below the city average and earns high customer experience scores through efficient claims handling and responsive support. Travelers excels with senior and young drivers, providing specialized coverage and competitive rates for both groups.
In Overland Park, minimum coverage costs about $47 per month or $565 per year, ranking 582nd out of all Kansas cities for affordability. Full coverage averages $118 monthly or $1,418 annually, ranking 52nd among Kansas cities.
| Full Coverage | $118 | $1,418 |
| Minimum Coverage | $47 | $565 |
In Overland Park, car insurance rates by ZIP code range from $44 to $130 per month. ZIP code 66210 is the most expensive, while 66213 is the cheapest. Check the average rates for your ZIP code on the table below.
| 66210 | $61 | $130 |
Determine how much coverage you need for your situation. Use our car insurance coverage needs calculator to evaluate your requirements based on your car's value, assets and risk tolerance.
Consider specialized options beyond standard types of car insurance. Pay-per-mile coverage works well if you drive infrequently. Non-owner insurance covers occasional driving if you don't own a car.
Research average vehicle insurance costs in Overland Park to set realistic expectations. Understanding local rates helps you spot good deals and avoid overpaying.
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Look into safe driver programs, good student discounts and telematics options that reward careful driving.
Research insurers' financial strength ratings and customer satisfaction scores. Focus on companies with strong Kansas claims handling and customer service records to ensure reliable coverage when you need it.
Contact at least three insurers for quotes. Use local agents, online tools and carrier websites to see all available options.
Review your policy yearly. Your needs change, and new discounts or better rates may become available. Annual reviews ensure the right coverage at the best price.
Your car insurance rates depend on factors like your driving record, vehicle and credit score. In Overland Park, GEICO and Auto-Owners offer the lowest average premiums, but you'll want to compare quotes from multiple providers to find your best rate.
GEICO offers the lowest rates in Overland Park, with average annual premiums of $322 for minimum coverage and $873 for full coverage. Rates vary by personal factors, so compare quotes.
Auto-Owners leads Overland Park's car insurance market with a MoneyGeek score of 96 out of 100, scoring three points higher than Travelers. The company delivers excellent customer service and competitive rates.
In Overland Park, full coverage car insurance costs $1,418 annually, while minimum coverage averages $565. Your actual rates will vary based on individual factors.
Car insurance in Overland Park costs more than average, ranking 582nd for minimum coverage affordability and 52nd for full coverage compared to other Kansas cities.
Finding affordable car insurance in Overland Park shouldn't mean guessing which company might work for your situation. We built this analysis around real drivers in your city, because a 25-year-old with a speeding ticket faces completely different rates than a 65-year-old with decades of clean driving.
We pulled rate data from the Kansas Department of Insurance and Quadrant Information Services, then analyzed hundreds of thousands of quotes across all Overland Park ZIP codes from 12 insurance companies operating in Kansas. We created specific driver profiles matching real situations you might face, from your first ticket to recovering from a DUI.
Our baseline driver profile included:
From there, we adjusted individual factors: age brackets (16-25, 26-64, 65+), credit scores, accident history, DUIs and speeding tickets, to show you what companies actually charge for your specific situation.
For coverage comparisons, we tested two scenarios:
Kansas minimum requirements (30/60/25 liability) and robust full coverage (100/300/100 liability with comprehensive and collision at $1,000 deductibles).
This approach reveals which companies stay affordable when you need basic financial protection versus comprehensive coverage that pays for your own vehicle damage.
To rank the best companies overall, we weighted three factors:
Every rate you see here reflects what Overland Park drivers actually pay, filtered by ZIP code, adjusted for your age group, and calculated for the coverage level you're considering.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
