Cheapest and Best Car Insurance Companies in Overland Park, KS

The cheapest insurer depends on your needs and driver profile. Nationwide offers the most affordable rates for full coverage, minimum coverage, teen drivers and drivers with a speeding ticket. American Family offers the lowest premiums following an at-fault accident, while State Farm is the cheapest company for drivers with a DUI. USAA is the ideal provider for drivers with a military background. For the best blend of affordability and service, we recommend Auto-Owners Insurance.

The cheapest car insurance companies for a minimum coverage policy in Overland Park are:

• Nationwide: $259 per year
• State Farm: $315 per year

Dairyland is the least affordable provider for minimum coverage, charging an average rate of $1,295 per year as of October 2022. Nationwide offers the cheapest auto insurance in Kansas, with annual premiums averaging $223 per year, slightly lower than the company’s Overland Park rates.

Liability limits for minimum coverage are determined by state law. According to Kansas law, minimum liability coverage extends to bodily injury, property damage, uninsured/underinsured motorist coverage, personal injury protection and survivor benefits at these limits:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $25,000 uninsured/underinsured motorist coverage per person
• $50,000 uninsured/underinsured motorist coverage per accident
• Personal injury protection (including $4,500 in medical expenses, up to $900 per month for a year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral burial or cremation costs and $4,500 for rehabilitation)
• Survivor benefits (including up to $900 per month for a year for disability of loss of income and $25 per day for in-home services)

Your liability coverage tells you how much your insurer will pay for injured drivers and passengers if you're at fault for an accident. You'll have to pay out of pocket for expenses beyond the stated limits. For example, with bodily injury liability limits of $25,000 per person and $50,000 per accident, your insurer will pay up to $25,000 for medical bills per injured person but not more than $50,000 per incident, even if more than two people were injured in the accident.

The cheapest car insurance companies for a full coverage policy in Overland Park are:

• Nationwide: $655 per year
• State Farm: $794 per year

Dairyland is the most expensive insurer for full coverage, at $2,770 per year, on average. Nationwide offers the cheapest full coverage car insurance in Kansas at $676 per year as of October 2022. The same policy from this insurer costs $21 less in Overland Park than the average statewide rate.

Full coverage insurance boosts your level of financial protection by increasing your liability limits and adding comprehensive and collision insurance to your policy.

• Collision Insurance: Covers the costs to repair or replace your vehicle if it sustains damage in an at-fault accident, such as a collision with another car or an object.
• Comprehensive Insurance: Covers expenses to repair or replace your vehicle if it sustains damage in a non-accident incident like theft, vandalism or a weather-related event.

Paying hundreds more for a full coverage policy may not be worth it if you have an older car that’s already lost much of its value. But we most definitely recommend this type of policy to drivers of newer and more expensive cars.

The cheapest car insurance companies for a full coverage policy after driving violations in Overland Park are:

• Speeding ticket: Nationwide ($754 per year)
• At-fault accident: American Family ($869 per year)
• DUI: State Farm ($878 per year)

Dairyland is the most expensive provider for drivers with a speeding ticket or an at-fault accident, with full coverage policies costing roughly $3,433 or $3,869 per year, respectively. GEICO is the least affordable option for drivers with a DUI, at around $2,801 per year. Drivers with a history of violations typically pay higher premiums than those with clean records, and even the cheapest insurers may charge more for the same policy.

Most drivers notice a significant increase in car insurance premiums following a severe violation. In Kansas, the cheapest policies cost around $280 more after getting a speeding ticket and $700 more after a DUI. MoneyGeek found several ways to get affordable car insurance for drivers with bad driving records.

The cheapest car insurance companies for teens on a family policy in Overland Park are:

• Nationwide: $1,083 per year for females; $1,172 per year for males
• State Farm: $2,030 per year for females
• Travelers: $2,581 per year for males

The most expensive providers for teens on a family policy are Auto-Owners Insurance for female teens ($2,849) and GEICO for male teens ($3,270). Male teens typically face higher insurance rates because young men are considered high-risk. You can expect the rate difference to taper off in early adulthood.

Buying an individual policy can be very expensive for teens. Families should consider adding their teenage children to a family policy to get more affordable rates. Based on our research, adding a 16-year-old male to a family policy in Overland Park costs $2,378 per year for full coverage. That's $2,544 cheaper than purchasing an individual policy at an average of $4,922 per year. We also recommend comparing quotes from multiple providers to find the cheapest auto insurance for teens.

The cheapest car insurance companies for military families and veterans in Overland Park are:

• USAA: $531 per year
• Nationwide: $655 per year

These rates are for full coverage. The same companies offer the most affordable minimum coverage insurance, with USAA and Nationwide charging roughly $220 and $259 per year, respectively.

We always advise insurance buyers to compare rates to find the best deals. You can get personalized quotes online for free, but the forms take up to 15 minutes to complete per company. You’ll also be required to enter your personal information, which can be a security hazard. MoneyGeek’s car insurance calculator gives a quick ballpark figure of your rates using only your age, vehicle type, preferred coverage level and driving record.

Your preferences surrounding cost, service quality and coverage options, among other factors, will determine the best car insurance provider for you. MoneyGeek identified the best car insurance companies in Overland Park, Kansas, for you to consider:

• Best overall: Auto-Owners Insurance (MoneyGeek score of 79 out of 100)
• Best for service: Shelter (MoneyGeek score of 68 out of 100)
• Best cheap: Auto-Owners Insurance (MoneyGeek score of 81 out of 100)

MoneyGeek scores can differ for the same company because we adjust how we weigh criteria depending on the category. Auto-Owners Insurance is our overall winner in Overland Park, with an optimal balance of affordability and great customer service. It is also the best auto insurer in Kansas. With a MoneyGeek score of 85 out of 100, USAA is worth considering if you have a military background.

The overall best companies for car insurance in Overland Park that offer a balance of affordable rates and exceptional service are:

• Auto-Owners Insurance: MoneyGeek score of 79 out of 100 ($844 per year)
• American Family: MoneyGeek score of 77 out of 100 ($869 per year)

Auto-Owners Insurance clinches the top spot by providing the most essential coverages at reasonable rates; it has the third-cheapest premiums for full coverage out of 10 companies. We also highly recommend USAA for military-affiliated drivers and their families. With an impressive MoneyGeek score of 85 out of 100, it ranks first for customer satisfaction and has the cheapest premiums for full coverage in Overland Park, averaging only $531 per year.

If quality service is your key deciding factor when selecting an insurer, we recommend these companies that provide the best customer experience in Overland Park, regardless of cost:

• Shelter: MoneyGeek score of 68 out of 100 ($1,118 per year)
• Auto-Owners Insurance: MoneyGeek score of 66 out of 100 ($844 per year)

Shelter delivers top-notch service while providing three of the four essential coverages that many drivers find most beneficial. These perks come at a cost — this insurer charges the most expensive rates out of the 10 companies in Overland Park included in our study.

Our analysis of affordability and service quality for policies that only meet the minimum coverage requirements in Kansas showed that these are the best auto insurance companies in Overland Park:

• Auto-Owners Insurance: MoneyGeek score of 81 out of 100 ($335 per year)
• Nationwide: MoneyGeek score of 77 out of 100 ($259 per year)

Minimum coverage is often the cheapest insurance available to most drivers, but you should look beyond cost and consider its drawbacks before signing up for this type of policy. Minimum coverage provides the least protection against liability costs and won't cover repairs and other expenses if your car is damaged in an accident.

The average cost of car insurance in Overland Park for a full coverage policy is $1,045 per year as of October 2022. This is $15 less than the average cost of car insurance in Kansas ($1,060) and $205 less than the national average ($1,265). These prices reflect a full coverage policy that includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. Remember that rates tend to differ per city, but location is just one of several factors affecting car insurance costs.