Updated: November 13, 2025
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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% |
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Rates updated:
Nov 16, 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 |
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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.
Young drivers in Overland Park can find the cheapest auto insurance through Travelers and Auto-Owners, with monthly premiums beginning at $72 and $79. Because drivers ages 16 to 25 typically face higher rates due to inexperience and elevated claim frequency, these two insurers stand out for offering significantly lower pricing than many national carriers operating in Kansas.
Their competitive rates help younger motorists secure affordable coverage in a market where premiums can rise quickly 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% |
For adults between ages 26 and 64, GEICO offers the lowest rates in Overland Park, pricing policies about 46 percent below the city average. Travelers and State Farm also provide strong affordability for adult drivers with clean records.
These insurers maintain consistent pricing across Johnson County, where suburban traffic patterns and moderate loss trends allow for more stable premiums compared to 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% |
Seniors in Overland Park receive the lowest minimum coverage rates from GEICO, which charges $42 per month ($504 annually). For full coverage, Travelers provides the best value at $99 per month ($1,182 annually). These two insurers remain competitive among senior drivers because they rate age-related risk more favorably than carriers that impose sharper premium increases in response to medical liability and repair cost trends.
| Geico | $42 | $504 | -39% |
| Travelers | $50 | $597 | -27% |
| Auto Owners | $51 | $617 | -25% |
| Farm Bureau | $51 | $616 | -25% |
| Shelter Insurance | $53 | $634 | -23% |
High-risk drivers in Overland Park, including those with bad credit, DUIs, at-fault accidents, or speeding violations, can find competitive premiums from GEICO, State Farm, Travelers, and Auto-Owners. These insurers are the most forgiving when violations occur and maintain more stable pricing in a market where premium volatility tends to increase sharply after infractions.
Drivers in Overland Park with bad credit get the most affordable rates from GEICO, starting at $92 per month for minimum coverage and $219 per month for full coverage. These premiums reflect GEICO’s more stable approach to credit-based pricing, which is especially valuable in Kansas where many insurers impose steep rate adjustments for credit-challenged policyholders.
| 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% |
For drivers with a DUI, State Farm and Travelers provide the lowest premiums in Overland Park. State Farm offers minimum coverage at $42 per month, roughly 48 percent below the city average, while Travelers delivers the cheapest full coverage rates at about 41 percent below typical premiums. This makes both companies strong options for drivers managing the steep surcharges that follow a DUI violation.
| State Farm | $42 | $506 | -48% |
| Travelers | $50 | $598 | -38% |
| Progressive | $61 | $729 | -25% |
| Shelter Insurance | $71 | $853 | -12% |
| Farmers | $83 | $996 | 3% |
Drivers with an at-fault accident can secure the lowest premiums from Auto-Owners, which starts at $45 per month. These rates sit around 40 percent below the city average, making Auto-Owners an excellent choice for drivers seeking predictable, lower-cost coverage even after a collision in the Overland Park area.
| Auto Owners | $45 | $537 | -40% |
| State Farm | $46 | $555 | -38% |
| Travelers | $47 | $570 | -37% |
| Geico | $49 | $585 | -35% |
| Farm Bureau | $66 | $787 | -13% |
For drivers with a speeding ticket, GEICO offers the cheapest auto insurance in Overland Park. Minimum coverage costs $33 per month, while full coverage averages $89 per month. These rates are significantly lower than most carriers charge after a moving violation and provide drivers with a more manageable option while the ticket’s impact phases out over future 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 earns the second spot in Overland Park by offering excellent coverage options and reliable customer service. It offers 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.
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 |
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.
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.
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.
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 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.
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.
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.
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.
