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

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.