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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceOverland Park
2023

Cheapest and Best Car Insurance in Overland Park, KS

Cheapest Minimum Liability Car Insurance in Overland Park

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.

Company
Annual Premium
Monthly Premium

Nationwide

$249

$21

Nationwide

$259

$22

State Farm

$297

$25

Iowa Farm Bureau

$311

$26

State Farm

$315

$26

Nationwide

$323

$27

Auto-Owners Insurance Co

$335

$28

Auto-Owners Insurance Co

$361

$30

Iowa Farm Bureau

$373

$31

Progressive

$376

$31

State Farm

$381

$32

GEICO

$394

$33

Progressive

$394

$33

GEICO

$429

$36

Auto-Owners Insurance Co

$439

$37

Iowa Farm Bureau

$443

$37

Farmers Union Insurance

$452

$38

GEICO

$463

$39

Farmers Union Insurance

$470

$39

Progressive

$472

$39

Farmers

$481

$40

Travelers

$488

$41

American Family

$496

$41

Shelter

$498

$42

American Family

$506

$42

Travelers

$515

$43

Farmers

$527

$44

Travelers

$542

$45

Farmers Union Insurance

$550

$46

Farmers

$577

$48

Nationwide

$586

$49

American Family

$611

$51

Shelter

$614

$51

Nationwide

$655

$55

Allstate

$671

$56

Allstate

$677

$56

Iowa Farm Bureau

$710

$59

State Farm

$719

$60

Allstate

$745

$62

Nationwide

$776

$65

State Farm

$794

$66

American Family

$804

$67

Auto-Owners Insurance Co

$826

$69

Auto-Owners Insurance Co

$844

$70

Iowa Farm Bureau

$867

$72

GEICO

$868

$72

American Family

$869

$72

Shelter

$912

$76

GEICO

$914

$76

Shelter

$918

$77

Travelers

$969

$81

State Farm

$992

$83

Progressive

$1,003

$84

Travelers

$1,008

$84

GEICO

$1,010

$84

American Family

$1,037

$86

Farmers Union Insurance

$1,039

$87

Farmers

$1,041

$87

Iowa Farm Bureau

$1,042

$87

Farmers

$1,056

$88

Progressive

$1,079

$90

Allstate

$1,111

$93

Shelter

$1,118

$93

Auto-Owners Insurance Co

$1,140

$95

Farmers Union Insurance

$1,159

$97

Allstate

$1,161

$97

Travelers

$1,168

$97

Allstate

$1,182

$99

Farmers

$1,242

$104

Dairyland

$1,248

$104

Dairyland

$1,295

$108

Progressive

$1,349

$112

Farmers Union Insurance

$1,357

$113

Dairyland

$1,522

$127

Shelter

$1,640

$137

Dairyland

$2,515

$210

Dairyland

$2,770

$231

Dairyland

$3,341

$278

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.

Cheapest Full Coverage Car Insurance in Overland Park

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.

Company
Annual Premium
Monthly Premium

Nationwide

$249

$21

Nationwide

$259

$22

State Farm

$297

$25

Iowa Farm Bureau

$311

$26

State Farm

$315

$26

Nationwide

$323

$27

Auto-Owners Insurance Co

$335

$28

Auto-Owners Insurance Co

$361

$30

Iowa Farm Bureau

$373

$31

Progressive

$376

$31

State Farm

$381

$32

GEICO

$394

$33

Progressive

$394

$33

GEICO

$429

$36

Auto-Owners Insurance Co

$439

$37

Iowa Farm Bureau

$443

$37

Farmers Union Insurance

$452

$38

GEICO

$463

$39

Farmers Union Insurance

$470

$39

Progressive

$472

$39

Farmers

$481

$40

Travelers

$488

$41

American Family

$496

$41

Shelter

$498

$42

American Family

$506

$42

Travelers

$515

$43

Farmers

$527

$44

Travelers

$542

$45

Farmers Union Insurance

$550

$46

Farmers

$577

$48

Nationwide

$586

$49

American Family

$611

$51

Shelter

$614

$51

Nationwide

$655

$55

Allstate

$671

$56

Allstate

$677

$56

Iowa Farm Bureau

$710

$59

State Farm

$719

$60

Allstate

$745

$62

Nationwide

$776

$65

State Farm

$794

$66

American Family

$804

$67

Auto-Owners Insurance Co

$826

$69

Auto-Owners Insurance Co

$844

$70

Iowa Farm Bureau

$867

$72

GEICO

$868

$72

American Family

$869

$72

Shelter

$912

$76

GEICO

$914

$76

Shelter

$918

$77

Travelers

$969

$81

State Farm

$992

$83

Progressive

$1,003

$84

Travelers

$1,008

$84

GEICO

$1,010

$84

American Family

$1,037

$86

Farmers Union Insurance

$1,039

$87

Farmers

$1,041

$87

Iowa Farm Bureau

$1,042

$87

Farmers

$1,056

$88

Progressive

$1,079

$90

Allstate

$1,111

$93

Shelter

$1,118

$93

Auto-Owners Insurance Co

$1,140

$95

Farmers Union Insurance

$1,159

$97

Allstate

$1,161

$97

Travelers

$1,168

$97

Allstate

$1,182

$99

Farmers

$1,242

$104

Dairyland

$1,248

$104

Dairyland

$1,295

$108

Progressive

$1,349

$112

Farmers Union Insurance

$1,357

$113

Dairyland

$1,522

$127

Shelter

$1,640

$137

Dairyland

$2,515

$210

Dairyland

$2,770

$231

Dairyland

$3,341

$278

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.

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Cheapest Car Insurance in Overland Park After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

Nationwide

$293

$24

Nationwide

$303

$25

State Farm

$336

$28

State Farm

$336

$28

State Farm

$358

$30

State Farm

$358

$30

Nationwide

$366

$30

State Farm

$369

$31

Nationwide

$383

$32

State Farm

$393

$33

Nationwide

$396

$33

Auto-Owners Insurance Co

$398

$33

Iowa Farm Bureau

$401

$33

Auto-Owners Insurance Co

$430

$36

Progressive

$433

$36

State Farm

$434

$36

State Farm

$434

$36

GEICO

$459

$38

Progressive

$462

$39

Nationwide

$472

$39

State Farm

$476

$40

Nationwide

$477

$40

Iowa Farm Bureau

$483

$40

Iowa Farm Bureau

$483

$40

Nationwide

$485

$40

American Family

$496

$41

GEICO

$500

$42

Progressive

$504

$42

American Family

$506

$42

Progressive

$511

$43

Auto-Owners Insurance Co

$522

$43

GEICO

$540

$45

Auto-Owners Insurance Co

$548

$46

Progressive

$549

$46

Nationwide

$567

$47

Iowa Farm Bureau

$572

$48

Iowa Farm Bureau

$581

$48

Progressive

$585

$49

Auto-Owners Insurance Co

$589

$49

American Family

$591

$49

American Family

$591

$49

Farmers

$593

$49

American Family

$600

$50

American Family

$600

$50

American Family

$611

$51

Farmers Union Insurance

$625

$52

Travelers

$638

$53

Farmers Union Insurance

$648

$54

Progressive

$656

$55

Travelers

$665

$55

Travelers

$676

$56

Farmers

$682

$57

GEICO

$685

$57

Nationwide

$685

$57

Farmers

$687

$57

Iowa Farm Bureau

$691

$58

Farmers

$701

$58

Travelers

$704

$59

Farmers Union Insurance

$717

$60

Travelers

$717

$60

Auto-Owners Insurance Co

$721

$60

Farmers Union Insurance

$723

$60

American Family

$729

$61

American Family

$729

$61

Shelter

$736

$61

Allstate

$736

$61

Progressive

$738

$62

Farmers Union Insurance

$742

$62

Allstate

$742

$62

Progressive

$743

$62

Travelers

$744

$62

Nationwide

$754

$63

Travelers

$761

$63

Iowa Farm Bureau

$762

$63

GEICO

$768

$64

Farmers

$769

$64

Travelers

$774

$64

Farmers

$778

$65

GEICO

$783

$65

State Farm

$797

$66

State Farm

$797

$66

American Family

$804

$67

Farmers

$805

$67

Farmers Union Insurance

$815

$68

Allstate

$823

$69

Travelers

$835

$70

Farmers Union Insurance

$850

$71

Allstate

$856

$71

State Farm

$861

$72

Allstate

$863

$72

American Family

$869

$72

Farmers

$875

$73

Nationwide

$875

$73

Allstate

$876

$73

State Farm

$878

$73

State Farm

$878

$73

Nationwide

$884

$74

Allstate

$884

$74

Farmers

$892

$74

Iowa Farm Bureau

$900

$75

Shelter

$907

$76

Iowa Farm Bureau

$916

$76

State Farm

$946

$79

Farmers Union Insurance

$954

$80

Allstate

$965

$80

American Family

$966

$80

American Family

$966

$80

Nationwide

$973

$81

Auto-Owners Insurance Co

$984

$82

Farmers Union Insurance

$984

$82

Allstate

$990

$83

Auto-Owners Insurance Co

$1,005

$84

GEICO

$1,012

$84

American Family

$1,037

$86

American Family

$1,040

$87

American Family

$1,040

$87

Auto-Owners Insurance Co

$1,051

$88

Shelter

$1,057

$88

Iowa Farm Bureau

$1,064

$89

GEICO

$1,066

$89

Nationwide

$1,087

$91

Iowa Farm Bureau

$1,089

$91

Iowa Farm Bureau

$1,097

$91

State Farm

$1,101

$92

State Farm

$1,101

$92

Auto-Owners Insurance Co

$1,125

$94

Nationwide

$1,130

$94

Shelter

$1,148

$96

Shelter

$1,159

$97

Nationwide

$1,176

$98

GEICO

$1,179

$98

Progressive

$1,184

$99

State Farm

$1,190

$99

Shelter

$1,196

$100

Progressive

$1,216

$101

Allstate

$1,231

$103

Dairyland

$1,248

$104

American Family

$1,250

$104

American Family

$1,250

$104

Auto-Owners Insurance Co

$1,277

$106

Allstate

$1,289

$107

GEICO

$1,290

$107

Auto-Owners Insurance Co

$1,292

$108

Dairyland

$1,295

$108

Iowa Farm Bureau

$1,298

$108

Shelter

$1,303

$109

Allstate

$1,319

$110

Iowa Farm Bureau

$1,320

$110

Nationwide

$1,332

$111

Farmers

$1,344

$112

Auto-Owners Insurance Co

$1,355

$113

Travelers

$1,377

$115

Progressive

$1,381

$115

Auto-Owners Insurance Co

$1,396

$116

Farmers

$1,400

$117

Shelter

$1,409

$117

Travelers

$1,416

$118

Shelter

$1,430

$119

Progressive

$1,435

$120

Travelers

$1,437

$120

Allstate

$1,451

$121

Progressive

$1,456

$121

Farmers

$1,457

$121

GEICO

$1,478

$123

Allstate

$1,480

$123

Farmers Union Insurance

$1,482

$123

Travelers

$1,483

$124

GEICO

$1,498

$125

Travelers

$1,506

$125

GEICO

$1,513

$126

Dairyland

$1,522

$127

Allstate

$1,523

$127

Farmers

$1,530

$128

Farmers

$1,537

$128

Allstate

$1,550

$129

Iowa Farm Bureau

$1,563

$130

Travelers

$1,569

$131

Allstate

$1,569

$131

Travelers

$1,579

$132

Farmers Union Insurance

$1,585

$132

Allstate

$1,597

$133

GEICO

$1,622

$135

Farmers

$1,624

$135

Travelers

$1,627

$136

Farmers Union Insurance

$1,635

$136

Farmers

$1,646

$137

Dairyland

$1,649

$137

Progressive

$1,661

$138

GEICO

$1,698

$141

Iowa Farm Bureau

$1,707

$142

Farmers

$1,707

$142

Shelter

$1,720

$143

Travelers

$1,722

$143

Progressive

$1,740

$145

Farmers Union Insurance

$1,740

$145

Auto-Owners Insurance Co

$1,766

$147

Dairyland

$1,768

$147

Dairyland

$1,801

$150

Farmers

$1,829

$152

Farmers Union Insurance

$1,829

$152

Shelter

$1,850

$154

Dairyland

$1,872

$156

Progressive

$1,880

$157

Shelter

$1,885

$157

Shelter

$1,965

$164

Farmers Union Insurance

$1,983

$165

Dairyland

$1,988

$166

Farmers Union Insurance

$1,999

$167

Progressive

$2,045

$170

Iowa Farm Bureau

$2,082

$174

Farmers Union Insurance

$2,090

$174

Dairyland

$2,122

$177

Shelter

$2,136

$178

Farmers Union Insurance

$2,254

$188

Auto-Owners Insurance Co

$2,260

$188

Auto-Owners Insurance Co

$2,267

$189

Shelter

$2,417

$201

Iowa Farm Bureau

$2,510

$209

Dairyland

$2,515

$210

Shelter

$2,627

$219

Dairyland

$2,770

$231

GEICO

$2,801

$233

GEICO

$3,102

$259

Auto-Owners Insurance Co

$3,154

$263

Shelter

$3,180

$265

GEICO

$3,264

$272

Dairyland

$3,341

$278

Dairyland

$3,433

$286

Shelter

$3,454

$288

Dairyland

$3,509

$292

Dairyland

$3,815

$318

Dairyland

$3,869

$322

Dairyland

$4,126

$344

Dairyland

$4,250

$354

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.

Cheapest Car Insurance in Overland Park for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Nationwide

$731

$1,265

Nationwide

$739

$1,323

Nationwide

$775

$1,674

Nationwide

$785

$1,801

Nationwide

$829

$1,435

Nationwide

$835

$1,595

Nationwide

$851

$1,523

Nationwide

$858

$1,708

Nationwide

$858

$1,485

GEICO

$867

$2,173

Nationwide

$885

$1,584

GEICO

$966

$2,421

Nationwide

$989

$2,901

Nationwide

$1,000

$2,533

Travelers

$1,002

$1,817

GEICO

$1,030

$2,583

Nationwide

$1,050

$2,268

Nationwide

$1,056

$2,964

Nationwide

$1,067

$3,393

Travelers

$1,074

$1,894

Nationwide

$1,083

$3,368

Nationwide

$1,091

$2,505

GEICO

$1,093

$3,779

Nationwide

$1,112

$3,259

State Farm

$1,115

$1,845

Travelers

$1,120

$2,031

Travelers

$1,128

$2,235

GEICO

$1,152

$2,285

Travelers

$1,156

$2,097

Nationwide

$1,172

$3,962

Nationwide

$1,203

$3,825

Travelers

$1,220

$2,150

State Farm

$1,234

$2,041

Farmers

$1,246

$2,163

Travelers

$1,258

$2,520

Travelers

$1,263

$2,427

Auto-Owners Insurance Co

$1,279

$3,753

State Farm

$1,285

$2,068

State Farm

$1,287

$2,426

Travelers

$1,308

$2,306

Farmers

$1,322

$2,383

Auto-Owners Insurance Co

$1,325

$3,849

State Farm

$1,332

$2,203

State Farm

$1,365

$2,613

Auto-Owners Insurance Co

$1,382

$4,015

Auto-Owners Insurance Co

$1,412

$4,144

Auto-Owners Insurance Co

$1,422

$4,451

Auto-Owners Insurance Co

$1,448

$4,208

State Farm

$1,450

$2,334

Travelers

$1,453

$2,808

GEICO

$1,468

$2,912

Travelers

$1,478

$2,839

Travelers

$1,478

$3,254

Auto-Owners Insurance Co

$1,488

$5,031

State Farm

$1,529

$2,882

Allstate

$1,535

$1,704

Allstate

$1,546

$1,733

Auto-Owners Insurance Co

$1,547

$4,538

State Farm

$1,557

$3,349

State Farm

$1,557

$2,981

GEICO

$1,569

$3,111

State Farm

$1,590

$2,559

GEICO

$1,603

$4,408

Auto-Owners Insurance Co

$1,603

$4,762

Auto-Owners Insurance Co

$1,638

$5,589

Travelers

$1,641

$3,995

Allstate

$1,669

$5,249

Allstate

$1,683

$2,448

State Farm

$1,689

$3,182

Progressive

$1,704

$2,111

Travelers

$1,704

$3,294

Allstate

$1,708

$1,914

GEICO

$1,712

$3,878

Travelers

$1,715

$3,843

Auto-Owners Insurance Co

$1,759

$5,224

Auto-Owners Insurance Co

$1,772

$5,804

State Farm

$1,781

$3,818

Allstate

$1,792

$2,815

Progressive

$1,793

$2,173

Allstate

$1,805

$2,322

Progressive

$1,822

$2,804

Farmers

$1,833

$1,898

Allstate

$1,847

$2,049

Farmers

$1,862

$1,928

Auto-Owners Insurance Co

$1,869

$7,146

Farmers

$1,871

$1,937

Progressive

$1,872

$2,319

Auto-Owners Insurance Co

$1,873

$6,390

Farmers

$1,888

$2,058

Allstate

$1,892

$2,121

Progressive

$1,914

$2,600

Farmers

$1,917

$2,043

Allstate

$1,932

$2,521

Farmers

$1,942

$2,070

Allstate

$1,968

$6,453

Farmers

$1,969

$4,280

Travelers

$1,972

$4,812

State Farm

$1,975

$4,246

Farmers

$1,976

$2,107

Allstate

$1,978

$2,877

State Farm

$1,982

$3,734

Progressive

$1,982

$2,456

Farmers

$1,994

$2,281

GEICO

$2,004

$4,776

Travelers

$2,006

$4,884

Progressive

$2,010

$2,435

State Farm

$2,021

$4,332

Farmers

$2,025

$6,461

Allstate

$2,030

$3,532

State Farm

$2,030

$4,907

Farmers

$2,047

$4,576

GEICO

$2,074

$5,508

Allstate

$2,075

$2,302

GEICO

$2,080

$4,713

Travelers

$2,095

$6,421

Progressive

$2,111

$2,938

Farmers

$2,131

$6,954

Progressive

$2,144

$3,353

Farmers

$2,193

$3,806

Allstate

$2,197

$4,003

GEICO

$2,202

$6,798

GEICO

$2,211

$5,269

Progressive

$2,216

$2,684

Allstate

$2,249

$7,071

Allstate

$2,251

$3,535

State Farm

$2,272

$4,846

Farmers

$2,279

$4,109

Progressive

$2,370

$4,334

Progressive

$2,425

$9,090

GEICO

$2,432

$7,346

Allstate

$2,437

$7,990

Travelers

$2,457

$5,997

Farmers

$2,464

$9,157

Progressive

$2,472

$3,805

GEICO

$2,491

$7,692

Farmers

$2,494

$7,956

Auto-Owners Insurance Co

$2,542

$7,646

Allstate

$2,559

$11,818

Progressive

$2,569

$9,329

Travelers

$2,581

$8,090

GEICO

$2,585

$9,280

State Farm

$2,587

$5,518

State Farm

$2,598

$6,264

Farmers

$2,602

$9,918

Farmers

$2,635

$8,597

GEICO

$2,637

$9,935

Allstate

$2,673

$11,855

Progressive

$2,723

$10,307

Progressive

$2,731

$5,048

Progressive

$2,792

$10,464

Auto-Owners Insurance Co

$2,809

$8,448

Progressive

$2,823

$4,415

Progressive

$2,836

$10,325

Auto-Owners Insurance Co

$2,849

$9,614

Auto-Owners Insurance Co

$2,916

$9,918

Progressive

$3,057

$11,572

GEICO

$3,152

$11,316

Auto-Owners Insurance Co

$3,248

$12,146

Auto-Owners Insurance Co

$3,259

$11,088

GEICO

$3,270

$14,620

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.

Cheapest Car Insurance in Overland Park for Military Drivers

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.

Company
Annual Premium
Monthly Premium

USAA

$220

$18

USAA

$225

$19

Nationwide

$249

$21

USAA

$255

$21

Nationwide

$259

$22

State Farm

$297

$25

Iowa Farm Bureau

$311

$26

State Farm

$315

$26

Nationwide

$323

$27

Auto-Owners Insurance Co

$335

$28

Auto-Owners Insurance Co

$361

$30

Iowa Farm Bureau

$373

$31

Progressive

$376

$31

State Farm

$381

$32

GEICO

$394

$33

Progressive

$394

$33

GEICO

$429

$36

Auto-Owners Insurance Co

$439

$37

Iowa Farm Bureau

$443

$37

Farmers Union Insurance

$452

$38

GEICO

$463

$39

Farmers Union Insurance

$470

$39

Progressive

$472

$39

Farmers

$481

$40

Travelers

$488

$41

American Family

$496

$41

Shelter

$498

$42

American Family

$506

$42

USAA

$513

$43

Travelers

$515

$43

Farmers

$527

$44

USAA

$531

$44

Travelers

$542

$45

Farmers Union Insurance

$550

$46

Farmers

$577

$48

Nationwide

$586

$49

American Family

$611

$51

Shelter

$614

$51

USAA

$622

$52

Nationwide

$655

$55

Allstate

$671

$56

Allstate

$677

$56

Iowa Farm Bureau

$710

$59

State Farm

$719

$60

Allstate

$745

$62

Nationwide

$776

$65

State Farm

$794

$66

American Family

$804

$67

Auto-Owners Insurance Co

$826

$69

Auto-Owners Insurance Co

$844

$70

Iowa Farm Bureau

$867

$72

GEICO

$868

$72

American Family

$869

$72

Shelter

$912

$76

GEICO

$914

$76

Shelter

$918

$77

Travelers

$969

$81

State Farm

$992

$83

Progressive

$1,003

$84

Travelers

$1,008

$84

GEICO

$1,010

$84

American Family

$1,037

$86

Farmers Union Insurance

$1,039

$87

Farmers

$1,041

$87

Iowa Farm Bureau

$1,042

$87

Farmers

$1,056

$88

Progressive

$1,079

$90

Allstate

$1,111

$93

Shelter

$1,118

$93

Auto-Owners Insurance Co

$1,140

$95

Farmers Union Insurance

$1,159

$97

Allstate

$1,161

$97

Travelers

$1,168

$97

Allstate

$1,182

$99

Farmers

$1,242

$104

Dairyland

$1,248

$104

Dairyland

$1,295

$108

Progressive

$1,349

$112

Farmers Union Insurance

$1,357

$113

Dairyland

$1,522

$127

Shelter

$1,640

$137

Dairyland

$2,515

$210

Dairyland

$2,770

$231

Dairyland

$3,341

$278

How to Compare Cheap Overland Park Car Insurance Quotes Online

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.

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USAA

Best Car Insurance in Overland Park: Summary

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.

Best Overall Car Insurance in Overland Park

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.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

Ranks third for affordability out of 10 providers

Offers three of the four essential coverages

Offers diminished value coverage, Personal Automobile Plus package and deductible modification

cons

Weak claims management

Doesn’t offer original equipment manufacturer (OEM) or new car replacement coverages

COMPANY HIGHLIGHTS

Auto-Owners Insurance gets the basics right with its combination of essential and rare coverages. The company’s rare coverages are a perfect solution for drivers who want to cushion the financial impact of an accident. With diminished value coverage, you’ll be compensated for the reduced value of your car after it is damaged in an accident.

Deductible modification helps you waive your deductible if you are involved in an accident with another vehicle that’s also insured under Auto-Owners Insurance. The insurer offers a Personal Automobile Plus package, which bundles more than 10 additional coverages at one competitive rate. This is an ideal option for drivers who want to customize their coverages while maximizing their savings on insurance. Gap insurance and at-fault accident forgiveness coverages provide additional layers of protection and are also worth considering.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Car Insurance in Overland Park for Customer Service

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.

How was this MoneyGeek score calculated?

Shelter

pros

Ranks first out of 10 providers for customer satisfaction

Has three of the four essential coverages: roadside assistance, rental car reimbursement and gap insurance

Offers new car replacement coverage

cons

Weak claims handling score

Doesn’t offer accident forgiveness or deductible modification

COMPANY HIGHLIGHTS

Shelter's policies offer the utmost financial protection. With its new car replacement coverage, your policy will pay for a brand-new car of the same year, make and model as your current vehicle if it is totaled. To qualify, your car must be less than a year old and have fewer than 15,000 miles on its odometer. Whereas other insurers offering this coverage charge an additional fee, Shelter already includes this for free with each policy.

You'll also get roadside assistance for free, which gives you reliable access to 24/7 service and up to $100 per incident if your car needs emergency repairs, a tire change, battery delivery or locksmith services. If you've just purchased a vehicle through a loan, consider getting Shelter's gap insurance, which pays for the difference between what you owe if your car is damaged and the amount your collision coverage pays for.

Read MoneyGeek's Shelter Auto Insurance Review

Best Cheap Car Insurance in Overland Park

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.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

An affordable minimum coverage policy costs $335 per year, the third-cheapest out of 10 providers

Offers most of the essential coverages

Discounts for bundling, safe driving and responsible payment

cons

No defensive driving or driver’s education discounts

Average claims management rating

COMPANY HIGHLIGHTS

Auto-Owners Insurance offers a good selection of coverages that policyholders can purchase as add-ons to the most affordable minimum coverage policies. This insurer has an impressively long list of discounts, common and rare. Most insurance shoppers will find it easy to qualify for at least one.

Policyholders can maximize savings through a bundling discount when they purchase an auto policy with a home, life, condo or renter’s insurance policy from Auto-Owners Insurance. You’ll also get a discount for being a safe driver or if you insure two or more passenger vehicles. This insurer rewards policyholders who are up to date on their payments, so those who paid their premiums on time for at least 36 months and those who pay their annual premium in full will qualify for substantial discounts.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Average Cost of Car Insurance in Overland Park

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.