The average car insurance in Overland Park costs $824 yearly, which is less than the state average. MoneyGeek analyzed the rates among insurers based on the coverage type and driver profile. The cheapest widely available insurer is Nationwide. MoneyGeek also recommended the best insurers in Overland Park to help those looking for affordable and quality service.
Compare the Cheapest Car Insurance Quotes in Overland Park, KS
The Cheapest and Best Car Insurance in Overland Park
The Cheapest Car Insurance Companies in Overland Park
The following insurers offer the cheapest rates for a full coverage car insurance policy in Overland Park:
- USAA: $547 annually (only serving current and former military members)
- Nationwide: $658 annually
In Overland Park, drivers with a car insurance policy from USAA generally pay the most affordable average yearly premium, at about $547. However, USAA policies are only available to military members and their families. For most Overland Park drivers, Nationwide offers the lowest premium, with an average rate of $658. The most expensive coverage in Overland Park comes from Progressive, with an average annual premium of $955.
MoneyGeek used a 40-year-old male driver's profile to find the cheapest companies based on full coverage policy. The driver has a full coverage policy, including liability and comprehensive collision coverage.
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Average Cost of Car Insurance in Overland Park
The average cost of car insurance in Overland Park is around $824. Drivers in Overland Park usually pay about 11.5% less for car insurance than the average driver in the state. They also pay 42.1% less than the national average rate of $1,424.
The Best Car Insurance Companies in Overland Park
MoneyGeek’s scoring system ranked the best insurance companies in Overland Park for drivers who want a balance of affordable insurance rates and great service. Based on the scores, the top insurers for most drivers are:
- American Family: MoneyGeek score of 78 of 100
- GEICO: MoneyGeek score of 93 of 100
USAA received the highest score in Overland Park by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate scores out of 100, MoneyGeek used data points including J.D. Power ratings for affordability, financial stability and user satisfaction.
Personalized Quotes to Get You the Cheapest Car Insurance in Overland Park
Many factors go into the calculation of car insurance premiums. Providers use parameters like age, location, make and model of car, driving record and credit score, among other considerations. If your situation changes, your rates can also increase or decrease accordingly. You can even gain eligibility for discounts and rebates.
The best way to get the right policy for your needs is to compare personalized quotes from multiple providers regularly.
Shopping around for car insurance in Overland Park could save you $166, which is enough to buy:
Cheapest Car Insurance in Overland Park by Coverage Amount
In Overland Park and other places, the amount of coverage you buy is one of the prime factors affecting your insurance rate. A state minimum liability plan covering bodily injuries and property damages costs an average of $422 annually in Overland Park. In contrast, a full coverage policy with higher liability limits costs about $403 more at an average of $824 yearly.
Kansas Minimum Liability Requirements
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
- Personal Injury Protection$4,500 per person for medical expenses. $900 a month for a up to a year of disability or loss of income coverage. $25 a day for in-home services. $4,500 for rehabilition-related expenses. $2,000 for funeral, burial or creamation expenses
- OtherSurvivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services
You can choose from several coverage levels for car insurance in Overland Park. The cheapest insurance option would be a state minimum liability plan from American Family that costs about $340 per year. However, purchasing additional coverage can be a good idea. A 50/100/50 liability-only or full-coverage plan gives you $50,000 for medical costs per person and $100,000 per vehicle, along with $50,000 coverage for property damage.
A full-coverage plan also takes care of your costs after an accident, although these policies cost more. For example, a 50/100/50 liability-only policy from Nationwide would cost about $380 per year, while a 50/100/50 full-coverage plan costs an average of $654, an increase of $274. However, this can be a worthwhile expense if you want more extensive coverage.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Overland Park if You Have Driving Violations
A clean driving record can help keep car insurance costs down. Your rates can increase substantially if you have speeding tickets, at-fault accidents or DUIs on your record. A Nationwide policy for a driver with no violations costs an average of $658 per year. However, a driver with a speeding ticket would have to pay about $138 more for the same coverage. An at-fault accident on your record can increase your rate by around $456, while a DUI can raise your rate by an average of $744.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
In many cases, where you live plays a role in determining your car insurance costs. In Overland Park, there is about a $17 difference between the cheapest and most expensive neighborhoods in terms of auto coverage. Drivers from ZIP code 66213 pay around $816 per year, while those from ZIP code 66212 have an average annual premium of $833.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Overland Park
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Overland Park. How Overland Park ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Overland Park are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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