Cheapest Car Insurance in Overland Park (2026)

GEICO charges Overland Park's cheapest minimum coverage at $27 monthly, and its cheapest full coverage at $73 per month or $873 annually. These prices assume a clean driving record. Your age and driving history determine which provider offers the lowest rate. Compare quotes from multiple insurers to find yours.

Overland Park drivers pay an average of $47 monthly for minimum coverage, while full coverage averages $118 per month. That's slightly above Kansas's statewide averages of $44 for minimum coverage and $112 for full coverage.

The city's higher premiums come from increased traffic congestion that leads to more accidents and elevated vehicle theft rates common in metropolitan areas. These urban challenges naturally push insurance costs above what rural Kansas residents pay. 

Shopping around with multiple insurers helps Overland Park drivers find the most competitive rates despite the city's higher risk factors.

Read more: Cheapest Car Insurance in Kansas

Your age heavily influences what you'll pay for car insurance in Overland Park. Young drivers average $222 monthly across the top five insurers, compared to $89 for adults and $110 for seniors. Insurers charge young drivers much more because they lack driving experience and have higher accident rates.

Cheapest Overland Park car insurance by age:

• Young drivers: Travelers at $163 per month
• Adult drivers: GEICO at $73 per month
• Senior drivers: Travelers at $99 per month

Once drivers gain experience, age matters less. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Young drivers aged 16 to 25 pay the highest car insurance costs in Overland Park. Inexperience and higher accident rates make this group the riskiest to insure. Travelers offers the most affordable full coverage at $163 monthly or $1,960 annually. The average across Overland Park's top insurers reaches $222 for young drivers compared to $89 for adults.

Young drivers pay more than double what experienced drivers pay because of frequent traffic violations and limited driving history.

Comparing quotes saves Overland Park's young drivers substantial money. Travelers beats Shelter Insurance's $271 monthly rate by $108. Adding a young driver to your family policy costs less than buying separate coverage, but rates stay high until age 25.

Note: Teen drivers must meet state licensing requirements and may face additional restrictions. Parents should verify coverage adequacy with their insurance provider.

Overland Park seniors get competitive car insurance rates because of clean driving records and decades of experience. Travelers provides the most affordable full coverage at $99 monthly or $1,182 annually. Most insurers recognize the value of experienced drivers, though some companies increase premiums for those over 70 because of reaction time concerns.

Across the city's five cheapest insurers, seniors average $110 monthly, just $21 more than the $89 younger adults pay. Comparing quotes pays off for Overland Park's seniors. Choosing Travelers over fifth-place Nationwide at $116 monthly saves $17 each month.

Seniors save more through defensive driving course discounts and low-mileage reductions for drivers who stay under 7,500 miles annually.

Adults between ages 26 and 64 get the most competitive insurance rates in Overland Park, with GEICO leading at $73 monthly or $873 annually for full coverage. Insurers favor this demographic because they've accumulated considerable driving experience while maintaining lower accident involvement than both younger and older drivers.

Across Overland Park's five most affordable insurers, adults average just $89 monthly, the best rates of any age group. By choosing GEICO over Shelter Insurance's $108 monthly rate, adults pocket $35 in monthly savings. Clean driving records and policy bundling provide additional opportunities to lower premiums even further.

Car insurance violations create sharp rate increases in Overland Park, with average monthly costs jumping from $35 for clean records to $61 for DUI convictions across the city's five cheapest insurers. GEICO leads with the most affordable rates for both clean drivers at $27 monthly and those with speeding tickets at $33 monthly, while State Farm offers the lowest premiums for DUI offenders at $42 monthly. 

The progression shows how violations impact your wallet: speeding tickets push rates to $44 monthly, at-fault accidents climb to $51, and DUIs reach the highest tier. At-fault accidents trigger substantial premium increases because you've shown actual property damage or injury responsibility, making you a proven risk to insurers.

Speeding violations create smaller bumps since they signal risky behavior without crash evidence. DUIs generate the highest penalties by combining dangerous conduct with legal consequences. This places you in insurers' highest-risk category and often requires SR-22 documentation for license restoration.

Your ZIP code affects car insurance costs in Overland Park, with monthly rates ranging from $44 in ZIP 66213 to $130 in ZIP 66210. See your specific ZIP code in the table to find what you'll pay.

Drivers in Overland Park's three most populous ZIP codes pay these monthly minimum coverage rates: $117 in 66212, $113 in 66213 and $116 in 66223. These rate differences stem from neighborhood factors like accident frequency, vehicle theft rates, population density and uninsured driver percentages. 

Use the filter above the table to locate your ZIP and check your area's typical rate.

Lower premiums don't mean sacrificing protection. Here's how Overland Park residents get competitive rates with proper coverage.

This FAQ answers your questions about available discounts, state regulations and policy options to help you find coverage that works for your budget.

Overland Park drivers pay some of Kansas's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Overland Park's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.