Cheapest and Best Car Insurance in Overland Park, KS (July 2024)


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Updated: July 11, 2024

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In Overland Park, Kansas, Auto-Owners offers the cheapest minimum coverage car insurance. It is also the best for customer service and the overall best for value between price and service. American Family is the most affordable for full coverage, and Nationwide has the lowest rate for families with teens. Choose based on preference and coverage needs.

MoneyGeek Logo IconBest & CheapestCar InsuranceOverland Park
2024

Cheapest and Best Car Insurance in Overland Park

Why Trust MoneyGeek? We analyzed 49,812 quotes in Kansas from 14 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Overland Park insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Overland Park, KS, as of July 2024.

49,812Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Coverage Car Insurance in Overland Park

MoneyGeek found that Auto-Owners is the cheapest car insurance option in Overland Park.

  • Auto-Owners: $388 per year
  • Travelers: $498 per year

Dairyland has the most expensive minimum coverage policy in Overland Park, with an annual rate of $1,479. The cheapest and most costly options differ by $1,091, highlighting the importance of shopping around for car insurance to ensure you're getting the best deal.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Auto-Owners Insurance CoAnnual Premium$388Monthly Premium$32
TravelersAnnual Premium$498Monthly Premium$42
American FamilyAnnual Premium$519Monthly Premium$43
Iowa Farm BureauAnnual Premium$523Monthly Premium$44
Farmers Union InsuranceAnnual Premium$538Monthly Premium$45
GEICOAnnual Premium$543Monthly Premium$45
State FarmAnnual Premium$548Monthly Premium$46
ProgressiveAnnual Premium$563Monthly Premium$47

State Minimum Liability Requirements

In Kansas, every driver must comply with the state-mandated minimum car insurance coverage requirements. Here are the essentials:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist bodily injury per person
  • $50,000 uninsured motorist bodily injury per accident
  • $4,500 personal injury protection (PIP) per person

If you carry a minimum coverage policy and are liable for an accident, it will cover up to $25,000 for an individual's injuries but only up to $50,000 for injuries per accident. Should the actual costs exceed these limits, you'd be personally responsible for the difference. Assess whether the mandated minimums align with your coverage needs.

Cheapest Full Coverage Car Insurance in Overland Park

MoneyGeek found that American Family offers the cheapest full coverage car insurance in Overland Park. These are the top two providers with the best annual rates:

  • American Family: $914 per year
  • Auto-Owners: $959 per year

Dairyland has the most expensive full coverage policy at $3,042 per year. This $2,128 price difference highlights why shopping around is crucial, especially when full coverage policies typically cost more due to the comprehensive protection they provide against various incidents.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American FamilyAnnual Premium$914Monthly Premium$76
Auto-Owners Insurance CoAnnual Premium$959Monthly Premium$80
TravelersAnnual Premium$1,004Monthly Premium$84
NationwideAnnual Premium$1,127Monthly Premium$94
GEICOAnnual Premium$1,142Monthly Premium$95
FarmersAnnual Premium$1,181Monthly Premium$98
ShelterAnnual Premium$1,192Monthly Premium$99
State FarmAnnual Premium$1,305Monthly Premium$109

Do You Need Full Coverage in Kansas?

Full coverage policies feature increased liability limits. They also include comprehensive and collision insurance:

  • Collision Insurance: This component reimburses repairs to your vehicle in case of an impact with another vehicle or stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This part handles the repair costs of your vehicle from non-collision-related damages such as fires, theft, vandalism, natural disasters or being hit by an animal.

For owners of new cars, investing in a full coverage policy is advisable to protect your financial interest in your vehicle adequately. On the contrary, the added expense of comprehensive policies might not justify the benefits for older vehicles with a depreciated value. To determine how much car insurance you need, consider the trade-off: more extensive coverage leads to higher premiums, while limited coverage could leave you inadequately insured.

Cheapest Car Insurance in Overland Park After a Driving Offense

MoneyGeek found that American Family offers the most affordable rates in Overland Park for drivers with a poor driving record seeking a full coverage policy.

  • Speeding Ticket: American Family ($1,096 per year)
  • At-Fault Accident: American Family ($914 per year)
  • DUI: American Family ($1,096 per year)

Dairyland has the highest rates for those with a speeding ticket and an at-fault accident, at $3,832 and $4,312 per year, respectively. GEICO is the most expensive provider, with an average annual rate of $3,722. The rate disparity shows that the severity of an offense influences car insurance premiums.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
American FamilyAnnual Premium$1,096Monthly Premium$91
NationwideAnnual Premium$1,343Monthly Premium$112
GEICOAnnual Premium$1,359Monthly Premium$113
TravelersAnnual Premium$1,369Monthly Premium$114
Auto-Owners Insurance CoAnnual Premium$1,450Monthly Premium$121
State FarmAnnual Premium$1,450Monthly Premium$121
ShelterAnnual Premium$1,541Monthly Premium$128
FarmersAnnual Premium$1,564Monthly Premium$130

In Overland Park and many cities, insurance rates are adjusted based on the severity of a driving infraction, with more severe violations incurring higher premiums. For instance, those with a speeding ticket can expect to pay an annual rate of approximately $2,345, whereas a DUI offense could raise annual premiums to about $3,099. Given the sizable difference in premiums between different driving violations, it's crucial for individuals with driving offenses to diligently compare insurance rates, as this can lead to significant savings.

Cheapest Car Insurance in Overland Park for Teens and Their Families

MoneyGeek found that Nationwide offers the cheapest car insurance for teens in Overland Park.

  • Nationwide: $1,083 per year for female teens and $1,172 per year for male teens
  • State Farm: $2,030 per year for female teens; Travelers: $2,581 per year for male teens

These rates are based on a policy covering two parents and a teen driver, representing a standard family policy. Auto-Owners has the most expensive policy for female teens at $2,849 per year. The significant annual difference of $1,766 between the most affordable and most costly options underscores the importance of comparison shopping, particularly for teen drivers who present a higher risk for insurers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,083Individual Plan Monthly Premium$2,019
State FarmFamily Plan Annual Premium$2,030Individual Plan Monthly Premium$2,489
TravelersFamily Plan Annual Premium$2,095Individual Plan Monthly Premium$4,040
FarmersFamily Plan Annual Premium$2,464Individual Plan Monthly Premium$5,691
AllstateFamily Plan Annual Premium$2,559Individual Plan Monthly Premium$7,978
ProgressiveFamily Plan Annual Premium$2,569Individual Plan Monthly Premium$5,873
GEICOFamily Plan Annual Premium$2,637Individual Plan Monthly Premium$4,502
Auto-Owners Insurance CoFamily Plan Annual Premium$2,849Individual Plan Monthly Premium$2,882

In Overland Park and similar cities, teenage drivers face significantly higher car insurance costs. An individual teen policy costs an average of $5,197 per year, while being added to a family plan averages $2,623. The rates are steeper for individual teen policies because insurers view young drivers as high risk due to inexperience. Obtaining approval for an individual policy is also challenging for teens, often requiring a co-signer due to teens' limited credit history and financial independence. It's financially savvy for families to opt for a joint policy, mitigating the exorbitant costs associated with teen auto insurance.

Cheapest Car Insurance in Overland Park for Military Drivers

MoneyGeek found that USAA offers the cheapest car insurance for military backgrounds in Overland Park.

  • USAA: $722 per year
  • American Family: $914 per year

USAA distinguishes itself by offering services that are tailored specifically to active duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$722Monthly Premium$60
American FamilyAnnual Premium$914Monthly Premium$76
Auto-Owners Insurance CoAnnual Premium$959Monthly Premium$80
TravelersAnnual Premium$1,004Monthly Premium$84
NationwideAnnual Premium$1,127Monthly Premium$94
GEICOAnnual Premium$1,142Monthly Premium$95
FarmersAnnual Premium$1,181Monthly Premium$98
ShelterAnnual Premium$1,192Monthly Premium$99

How to Compare Cheap Overland Park Car Insurance Quotes Online

Reviewing car insurance options in Overland Park can lead to significant savings. However, analyzing rates from multiple insurers can take over an hour.

MoneyGeek's car insurance calculator simplifies the process, focusing on the key elements shaping local premiums. Users can quickly receive tailored rate estimates by inputting criteria such as age, driving history, credit score and preferred coverage.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 22, 2024

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Best Car Insurance in Overland Park: Overview

Finding the best auto insurance depends on your priorities, whether that be service, cost, coverage or other factors. MoneyGeek analyzed Overland Park's car insurance offerings, applying a unique scoring system to each category, and found that Auto-Owners is the top provider for various priorities.

  • Best overall: Auto-Owners (MoneyGeek score 83 out of 100)
  • Best for service: Auto-Owners (MoneyGeek score 78 out of 100)
  • Best cheap: Auto-Owners (MoneyGeek score 88 out of 100)

Auto-Owners is the best in the city for overall value, excelling in service and affordability. Customers can trust that they are getting comprehensive coverage without compromising on quality or cost.

Overall Best Car Insurance in Overland Park

MoneyGeek found that Auto-Owners is the best option for car insurance in Overland Park.

  • Auto-Owners: MoneyGeek score of 83 out of 100 ($959 per year)
  • American Family: MoneyGeek score of 81 out of 100 ($914 per year)

Auto-Owners distinguishes itself mainly due to its top-tier claims and affordability scores, making it a leader for a full coverage policy. The score reflects the insurer's commitment to customer satisfaction and value.

Company logo for Auto-Owners
Best OverallAuto-Owners
MoneyGeek Score:
83/ of 100

Overview

Auto-Owners scores highly in affordability and claims, which significantly contribute to its impressive MoneyGeek score. The company offers two common coverages: rental car and/or travel reimbursement and roadside assistance. It also provides gap insurance and accident forgiveness, adding value to its policy offerings.

Auto-Owners also has rare coverages such as diminished value coverage. This coverage safeguards a car's value after an accident. Its coverage package simplifies protection, combining multiple coverages into a single, comprehensive suite. Deductible modification eliminates collision deductibles if hit by an Auto-Owners policyholder. These benefits demonstrate Auto-Owners' commitment to offering a well-rounded, practical selection for a wide range of drivers.

Best Car Insurance in Overland Park for Customer Service

MoneyGeek found that Auto-Owners is the best option in Overland Park for those seeking top-notch customer service in car insurance. This conclusion is based on general satisfaction with the insurance provider, excellence in claims handling and the breadth of coverages offered, without considering rates.

  • Auto-Owners: MoneyGeek score of 78 out of 100 ($959 per year)
  • American Family: MoneyGeek score of 75 out of 100 ($914 per year)

Auto-Owners stands out due to its exceptional claims handling score, which showcases its commitment to assisting customers during the claims process. Its high overall satisfaction score also indicates that customers generally have a positive experience across multiple aspects of its service, making it the leader in the Overland Park car insurance market.

Company logo for Auto-Owners
Best for Customer ServiceAuto-Owners
MoneyGeek Score:
78/ of 100

Overview

Auto-Owners leads with outstanding claims and coverage scores, resulting in a high overall MoneyGeek score. The company provides two common coverages: rental car and/or travel reimbursement and roadside assistance, which is valuable for customers seeking comprehensive protection.

Auto-Owners caters to drivers' needs with coverages like diminished value coverage, ideal for recouping a vehicle's lost value after an accident. Accident forgiveness protects your rates from increasing after your first at-fault accident. Gap insurance can be a financial lifesaver for those concerned about their car's loan or lease. With its top scores and offerings, Auto-Owners provides reliable service and customer satisfaction.

Best Cheap Car Insurance in Overland Park

MoneyGeek found that Auto-Owners is the best option in Overland Park for cheap car insurance, surpassing others with its strong performance across several categories.

  • Auto-Owners: MoneyGeek score of 88 out of 100 ($388 per year)
  • American Family: MoneyGeek score of 81 out of 100 ($519 per year)

Auto-Owners distinguishes itself mainly through its superior affordability, which significantly contributes to its leading MoneyGeek score. This score reflects the value obtained from a minimum coverage policy. The company's strong claims handling process and policyholder satisfaction also bolster its position as the top recommendation for cost-conscious drivers seeking reliable coverage in Overland Park.

Company logo for Auto-Owners
Best Cheap CompanyAuto-Owners
MoneyGeek Score:
88/ of 100

Overview

Auto-Owners tops the ranking with perfect scores in affordability and claims handling, contributing significantly to its stellar MoneyGeek score. With an average annual premium of $388, the cost of minimum coverage is accessible to the average driver.

Average Cost of Car Insurance in Overland

Drivers in Overland Park, Kansas, are looking at an average car insurance premium of $1,325 per year, which is slightly lower than the state average. The average cost of car insurance in Kansas is $1,340 per year. Compared to the national average of $1,781, the Sunflower State's premium is cheaper by $441.

Car insurance expenses depend on various factors, with location being significant. Insurers consider local accident rates, theft statistics and the cost of living when determining premiums. According to MoneyGeek's analysis of Kansas cities, Olathe is the city with the most economical premium at $1,269 per year. Kansas City ranks as the most expensive city, with an annual premium of $1,520. The rate difference highlights how urban areas, often with denser traffic, may face higher rates. On the other hand, more rural locations with lower traffic densities can offer even lower insurance costs.

Kansas CityAnnual Premium$1,520
OlatheAnnual Premium$1,269
Overland ParkAnnual Premium$1,325
TopekaAnnual Premium$1,294
WichitaAnnual Premium$1,412

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.