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.
Cheapest Car Insurance in Overland Park (2026)
Updated: April 30, 2026
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Cheapest for Full Coverage: GEICO
- GEICO provides Overland Park's most affordable full coverage car insurance at $73 monthly and the cheapest minimum liability at $27.
- Read more on the cheapest full and minimum coverage options.
Cheapest for Young Drivers: Travelers
- Young drivers aged 16 to 25 pay the highest car insurance rates in Overland Park, but Travelers offers the most affordable full coverage for this age group. Seniors also get competitive pricing through Travelers at $99 monthly.
- Read more about the cheapest insurance options in Overland Park for young drivers and other age groups.
Cheapest for Drivers With a DUI or Other Violations: State Farm
- State Farm is the most affordable for drivers with DUIs, with minimum coverage at $42 monthly. GEICO is the cheapest for speeding tickets at $48 monthly, while Auto-Owners charges the least for at-fault accidents at $52.
- Violations raise your rates differently based on severity and your insurer's policy. Compare options for drivers with imperfect records.
Cheapest Overland Park Car Insurance for Full and Minimum Coverage
| Geico | $73 | $27 | -42.93% |
| Auto Owners | $77 | $30 | -39.16% |
| Travelers | $80 | $37 | -32.95% |
| State Farm | $119 | $39 | -9.36% |
| Shelter Insurance | $108 | $50 | -9.46% |
Average Car Insurance Costs in Overland Park and Kansas
At $47 per month for minimum coverage and $118 for full coverage, Overland Park sits above the Kansas statewide averages of $44 and $112. Denser traffic means more accidents, and metro areas tend to see higher theft rates, both of which push city premiums above what rural drivers pay.
Data filtered by:
Full Coverage
| $118 | $112 |
Read more: Cheapest Car Insurance in Kansas
Cheapest Overland Park Car Insurance by Age
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
Cheapest Car Insurance in Overland Park for Young Drivers
Young drivers between 16 and 25 pay the highest car insurance rates in Overland Park. Limited experience and higher accident rates make this group the most expensive to insure, with the average across top insurers reaching $222 per month compared to $89 for adult drivers. Travelers offers the most affordable full coverage for young drivers at $163 per month, beating Shelter Insurance's $271 by $108. Adding a young driver to a family policy costs less than a separate policy, though rates generally stay elevated until age 25. Teen drivers must meet Kansas licensing requirements, and parents should confirm coverage levels with their insurer.
| Travelers | $163 | $1,960 |
| Auto Owners | $189 | $2,272 |
| Geico | $236 | $2,834 |
| Nationwide | $252 | $3,022 |
| Shelter Insurance | $271 | $3,257 |
Cheapest Car Insurance in Overland Park for Senior Drivers
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.
| Travelers | $99 | $1,182 |
| Auto Owners | $108 | $1,301 |
| Geico | $112 | $1,338 |
| Shelter Insurance | $115 | $1,382 |
| Nationwide | $116 | $1,394 |
Cheapest Car Insurance in Overland Park for Adult Drivers
Adult drivers between 26 and 64 get the most competitive rates in Overland Park, with GEICO leading at $73 per month for full coverage. This age group benefits from years of driving experience and lower accident rates than younger or older drivers. Across the five most affordable insurers in the city, adults average $89 per month, the lowest of any age group. Choosing GEICO over Shelter Insurance, which averages $108 per month, saves $35 monthly. A clean record and bundling policies can bring costs down further.
| Geico | $73 | $873 |
| Auto Owners | $77 | $919 |
| Travelers | $80 | $965 |
| Nationwide | $106 | $1,271 |
| Shelter Insurance | $108 | $1,300 |
Cheapest Overland Park Car Insurance for Drivers With a DUI, Accident or Speeding Ticket
Car insurance violations push rates up sharply in Overland Park. Average monthly costs across the five cheapest insurers rise from $35 for clean-record drivers to $44 after a speeding ticket, $51 after an at-fault accident and $61 after a DUI. GEICO offers the lowest rates for both clean drivers at $27 per month and those with speeding tickets at $33 per month. State Farm leads for DUI drivers at $42 per month.
Speeding tickets signal risky behavior but no crash history, so the increase is moderate. At-fault accidents carry steeper surcharges because they show actual responsibility for damage or injury. DUIs produce the largest penalties, combining dangerous behavior with legal consequences and often requiring SR-22 filing to reinstate your license.
Data filtered by:
DUI
| State Farm | $42 | $506 |
| Travelers | $50 | $598 |
| Progressive | $61 | $729 |
| Shelter Insurance | $71 | $853 |
| Farmers | $83 | $996 |
Overland Park Car Insurance Costs by ZIP Code
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. Monthly minimum coverage rates across Overland Park's three most populous ZIP codes run $117 in 66212, $113 in 66213 and $116 in 66223. The differences reflect neighborhood-level factors including accident frequency, theft rates, population density and the share of uninsured drivers in each area.
Data filtered by:
66204
| 66204 | $46 | $118 |
How to Get the Best Cheap Overland Park Car Insurance
- 1Know Your Coverage Needs
Try our car insurance coverage needs calculator to find rates that suit you.
- 2Explore Different Coverage Types
Look at the different types of car insurance offered in Overland Park. Pay-per-mile works well for infrequent drivers, while non-owner coverage works if you borrow a car on occasion.
- 3Check Average Costs in Your Area
Find average vehicle insurance costs for your specific Overland Park neighborhood.
- 4Find All Available Discounts
Research car insurance discount programs. Consider bundling multiple policies or securing multi-car discount rates. You can also save with safe driver, student and anti-theft discounts.
- 5Research Insurance Company Ratings
Review company ratings. Also, look for financial stability ratings from AM Best and customer satisfaction scores.
- 6Get Quotes from Multiple Insurers
Request quotes from multiple insurers in the area.
- 7Review Your Policy Annually
Check each year if your policy is still the best fit for you.
Cheap Overland Park Car Insurance: FAQ
This FAQ answers your questions about available discounts, state regulations and policy options to help you find coverage that works for your budget.
What is the cheapest car insurance company in Overland Park, Kansas?
GEICO offers the cheapest car insurance in Overland Park, with minimum coverage starting at $27 per month, or $324 annually, and full coverage averaging $73 per month. Since rates vary by driver profile, comparing quotes from multiple insurers helps you find your lowest available rate.
Who offers the best car insurance in Overland Park?
Auto-Owners ranks first among Overland Park's car insurance providers, earning a MoneyGeek score of 96 out of 100 and beating Travelers by 2 points. The insurer performs well in customer experience and affordability.
What is the average cost of car insurance in Overland Park?
Car insurance in Overland Park averages $564 annually for minimum coverage and $1,416 for full coverage. Actual premiums depend on your driving record, age and coverage choices.
Is car insurance in Overland Park expensive?
Yes, car insurance costs are high in Overland Park, with the city ranking 582nd for minimum coverage and 52nd for full coverage affordability among Kansas cities.
How We Figured Out the Cheapest Car Insurance in Overland Park, KS
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!