GEICO offers the lowest car insurance rates in Overland Park, with annual premiums of $322 for minimum coverage and $873 for full coverage. Auto-Owners, Travelers and State Farm also provide affordable coverage options in the city.
Car Insurance in Overland Park
Updated: September 3, 2025
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Key Takeaways
Overland Park's cheapest car insurance companies are GEICO, Auto-Owners and Travelers, with savings up to 43% compared to the city average.
Monthly car insurance costs in Overland Park average $118 for full coverage and $47 for minimum coverage.
To get the best cheap auto insurance in Overland Park, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Overland Park?
| GEICO | $27 | $73 | -43% |
| Auto-Owners | $30 | $77 | -39% |
| Travelers | $37 | $80 | -33% |
| Shelter | $50 | $108 | -9% |
| State Farm | $39 | $119 | -9% |
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Compare the Cheapest Overland Park Car Insurance for You
Your car insurance rates depend heavily on your personal details and driving history. Check the table below to find which companies offer the lowest rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Auto Owners | $105 | $1,261 | -43% |
| Travelers | $107 | $1,279 | -42% |
| Geico | $121 | $1,454 | -34% |
| State Farm | $140 | $1,680 | -24% |
| Shelter Insurance | $144 | $1,734 | -21% |
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$150
High
$104
Average
$76
Low
Rates updated:
Sep 17, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 88 /of 100 | $76 | |
| 2 |  Nationwide | 85 /of 100 | $78 |
| 3 |  GEICO | 78 /of 100 | $94 |
| 4 | 83 /of 100 | $96 | |
| 5 | 81 /of 100 | $99 | |
| 6 | 90 /of 100 | $111 |
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Cheapest Car Insurance by Age Group in Overland Park
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Overland Park, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: Travelers (from $72 per month)
- Cheapest Car Insurance for Adults: GEICO (from $27 per month)
- Cheapest Car Insurance for Seniors: GEICO (from $41 per month)
Cheapest Car Insurance for Young Drivers in Overland Park
Travelers and Auto-Owners provide the most affordable car insurance for young drivers in Overland Park, with monthly rates starting at $72 and $79, respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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% |
Cheapest Car Insurance for Adult Drivers in Overland Park
In Overland Park, GEICO provides the lowest rates for adult drivers (26 to 64), saving drivers around 46% on average. Travelers and State Farm are also among the most affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $27 | $322 | -46% |
| Auto-Owners | $30 | $355 | -41% |
| Travelers | $37 | $439 | -27% |
| State Farm | $39 | $470 | -22% |
| Farm Bureau | $42 | $508 | -15% |
Cheapest Car Insurance for Senior Drivers in Overland Park
For seniors in Overland Park, GEICO offers the lowest minimum coverage rates at $42 per month ($504 annually), while Travelers provides the cheapest full coverage at $99 monthly ($1,182 per year).
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $42 | $504 | -39% |
| Travelers | $50 | $597 | -27% |
| Auto-Owners | $51 | $617 | -25% |
| Farm Bureau | $51 | $616 | -25% |
| Shelter | $53 | $634 | -23% |
Cheapest Car Insurance for High-Risk Drivers in Overland Park
High-risk drivers in Overland Park can find affordable car insurance from these providers based on their specific situation:
- Cheapest for Bad Credit: GEICO (from $92 per month)
- Cheapest With a DUI: State Farm (from $42 per month)
- Cheapest With an Accident: Auto-Owners (from $45 per month)
- Cheapest With a Speeding Ticket: GEICO (from $33 per month)
Cheapest Car Insurance for Bad Credit in Overland Park
GEICO offers the cheapest car insurance for bad credit drivers in Overland Park. Monthly rates start at $92 for minimum coverage and $219 for full coverage with a $1,000 deductible.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| GEICO | $92 | $1,103 | -37% |
| Farm Bureau | $96 | $1,149 | -35% |
| Shelter | $101 | $1,212 | -31% |
| Auto-Owners | $103 | $1,234 | -30% |
| Nationwide | $126 | $1,515 | -14% |
Cheapest Car Insurance With a DUI in Overland Park
State Farm and Travelers offer the most affordable car insurance rates for Overland Park drivers with a DUI. State Farm's minimum coverage rates are 48% below the city average, while Travelers provides full coverage at 41% below average rates.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $42 | $506 | -48% |
| Travelers | $50 | $598 | -38% |
| Progressive | $61 | $729 | -25% |
| Shelter | $71 | $853 | -12% |
| Farmers | $83 | $996 | 3% |
Cheapest Car Insurance With an Accident in Overland Park
Auto-Owners offers the lowest car insurance rates in Overland Park for drivers with accident records, with premiums starting at $45 monthly. Their rates are 40% below the city average, making them a notably affordable choice despite accident history.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Auto-Owners | $45 | $537 | -40% |
| State Farm | $46 | $555 | -38% |
| Travelers | $47 | $570 | -37% |
| GEICO | $49 | $585 | -35% |
| Farm Bureau | $66 | $787 | -13% |
Cheapest Car Insurance With a Speeding Ticket in Overland Park
Drivers with a speeding ticket in Overland Park can find the most affordable rates through GEICO. The insurer offers the cheapest minimum liability coverage at $33 per month and the lowest full coverage policy at $89 monthly.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
Select
Gender:Male
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Credit Alignment:Good
| GEICO | $33 | $395 | -48% |
| State Farm | $42 | $506 | -33% |
| Travelers | $44 | $533 | -29% |
| Auto-Owners | $48 | $571 | -24% |
| Shelter | $53 | $633 | -16% |
Best Car Insurance Companies in Overland Park
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 |
Auto-Owners: Best Customer Service
pros
Top-rated customer service
Competitive local rates
Strong accident forgiveness options
cons
Limited online tools
Few add-on coverage choices
COMPANY HIGHLIGHTS
Auto-Owners ranks first in Overland Park thanks to outstanding customer service and competitive rates. The company offers lower-than-average premiums for local drivers, making it an affordable choice. 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.
Travelers: Best for Multiple Driver Types
pros
Excellent coverage options
Strong customer service ratings
Multiple driver discounts available
cons
Average claims satisfaction
Higher rates for some drivers
COMPANY HIGHLIGHTS
Travelers earns the second spot in Overland Park by offering excellent coverage options and reliable customer service. The company provides competitive rates that fall below the city average. Its high customer experience scores translate to efficient claims handling and responsive support. Travelers stands out for both senior and young drivers, offering specialized coverage options and competitive rates for these groups.
How Much Is Car Insurance in Overland Park?
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 |
Compare Personalized Overland Park Car Insurance Costs
Since your exact profile may differ from basic rate breakdowns, use this table to filter Overland Park car insurance rates by age, driving record and other personal factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $177 | $2,122 | 4% |
Overland Park Car Insurance Costs by ZIP Code
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.
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ZIP Code:66210
| 66210 | $61 | $130 |
How to Get the Best Cheap Overland Park Car Insurance
With car insurance rates in Overland Park running higher than many Kansas cities, finding affordable coverage can feel overwhelming. Our step-by-step guide shows you how to secure better rates while maintaining the right protection for your needs.
- 1
Calculate your coverage needs first
Start by determining exactly 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.
- 2
Explore alternative coverage types
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might work well. Don't own a car? Look into non-owner insurance for occasional driving.
- 3
Know the local cost benchmarks
Research average vehicle insurance costs in Overland Park to set realistic expectations. Understanding rates for your area and driver profile helps you recognize good deals and avoid overpaying for coverage.
- 4
Stack available insurance discounts
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.
- 5
Check company reliability scores
Research potential insurers' financial strength ratings and customer satisfaction scores. Focus on companies with strong records in claims handling and customer service in Kansas. This helps ensure you're choosing a reliable provider that will be there when you need them.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools and direct carrier websites to ensure you're seeing the full range of available options.
- 7
Review coverage annually
Set a yearly reminder to review your car insurance policy. Your needs and circumstances change over time, and new discounts or better rates may become available. Regular reviews ensure you maintain the right coverage at the best possible price.
Cheapest Car Insurance in Overland Park: Bottom Line
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.
Cheap Overland Park Car Insurance: FAQ
Looking for cheap car insurance in Overland Park? We've researched local providers and rates to answer your most common questions. Our straightforward answers help you find affordable coverage that fits your needs without sacrificing protection.
What is the cheapest car insurance company in Overland Park, Kansas?
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.
Who offers the best car insurance in Overland Park?
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.
What is the average cost of car insurance in Overland Park?
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.
Is car insurance in Overland Park expensive?
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.
How We Chose the Best and Cheapest Car Insurance in Overland Park, KS
To help Overland Park drivers find the most affordable auto insurance companies, MoneyGeek analyzed Overland Park auto insurance rates based on data and information from the Kansas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Overland Park and hundreds of thousands of quotes for 12 companies offering auto insurance in Kansas to tailor options as closely as possible to you.
Overland Park Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Overland Park with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Overland Park
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Kansas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Overland Park based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
