Compare the Cheapest Car Insurance Quotes in Overland Park, KS

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.

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Last Updated: 11/3/2022
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Nationwide is the cheapest car insurance company for full coverage plans in Overland Park, while American Family is the most affordable for liability insurance and drivers with speeding tickets. USAA may be the least expensive option for members of the military and their families. According to MoneyGeek, American Family is also the city's best car insurance company overall because of the quality of its customer service and general affordability.

iconbestauto insuranceOverland Park
2022

The Cheapest and Best Car Insurance in Overland Park

The Cheapest Car Insurance Companies in Overland Park

On average, the cheapest car insurance companies in Overland Park for full coverage policies are:

  • Nationwide: $658 per year
  • American Family: $703 per year

For military members and their families, USAA offers the city's cheapest insurance policy at $547 per year.

Progressive has the most expensive annual rate in the city at about 45% more than a similar plan from Nationwide. Comprehensive and collision coverages are included in a full coverage insurance policy. Premiums for full coverage policies depend on the liability coverage limits you choose.

Cheapest Car Insurance in Overland Park
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $547
  • 2.
    Nationwide
    $658
  • 3.
    American Family
    $703
  • 4.
    State Farm
    $782
  • 5.
    Farmers
    $804
  • 6.
    MetLife
    $832
  • 7.
    Travelers
    $914
  • 8.
    Allstate
    $948
  • 9.
    Progressive
    $955

Based on MoneyGeek's methodology, average insurance premiums in this analysis are based on a 40-year-old male driver with a full coverage insurance policy.

Full coverage plans are more expensive because, in addition to liability insurance, they contain the following two coverages:

  • Collision Coverage: Pays for losses incurred as a result of a collision with another vehicle.
  • Comprehensive Coverage: Covers your car from non-crash damages or losses due to incidents such as fire, theft, vandalism and storms.

If the cost of a full coverage policy exceeds the value of an older car, liability-only insurance or state minimum coverage may be a better alternative.

Compare Car Insurance Rates in Overland Park

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Overland Park for Minimum Coverage

The cheapest insurance policy provides the bare minimum of coverage. The following insurers, on average, offer the cheapest widely available minimum liability insurance in Overland Park:

  • American Family: $340 per year
  • MetLife: $363 per year

Military families may purchase a policy through USAA, which costs $251 per year and is the city's cheapest insurance company in this regard. American Family's average rate for comparable insurance is $240 less than Allstate's quote of $580.

Because of the lower coverage limits, minimum insurance policies are less expensive. However, if you do not have comprehensive and collision coverages and are involved in a crash, you will be underinsured. The table shows how increasing coverage limitations affects insurance premiums.

Cheapest Minimum Liability Car Insurance in Overland Park
State Minimum

Drivers in Kansas are required by law to have a minimum of 25/50/25 liability insurance. While this is the cheapest insurance coverage in Overland Park, it also provides you with the least protection. You can easily incur substantial costs if you are at fault in an accident.

For example, if you injure the other driver and their passengers in an at-fault accident, and their medical costs are $60,000, your insurance will only cover $50,000, leaving you responsible for the remainder.

Kansas Minimum Liability Requirements

  • Item
    Description
  • 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 up to a year of disability or loss of income coverage. $25 a day for in-home services. $4,500 for rehabilitation-related expenses. $2,000 for funeral, burial or cremation expenses
  • Other
    Survivors benefits including up to $900 per month for a year for disability or loss of income and $25 per day for in-home services

Cheapest Car Insurance in Overland Park if You Have Driving Violations

Drivers with traffic violations like speeding tickets, DUIs or at-fault accidents can expect to pay higher insurance premiums. On average, the cheapest car insurance quotes for the most common traffic violations in Overland Park are:

  • Cheapest after a ticket: American Family, $703 per year
  • Cheapest after an at-fault accident: State Farm, $922 per year
  • Cheapest after a DUI: American Family, $703 per year

USAA is the cheapest insurer if you have a history of speeding tickets and at-fault accidents. Their policies, however, are exclusively sold to military personnel and their families.

By maintaining a good driving record, you can eventually lower your future insurance rates regardless of what traffic violation you committed. In the meantime, it's best to compare insurance rates from multiple companies to find the cheapest insurance for drivers with bad records.

Cheapest Car Insurance in Overland Park With a Violation
Speeding Ticket

Average Cost of Car Insurance in Overland Park

Overland Park$824
Kansas$931
U.S.$1,424

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.

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.

Compare Car Insurance Rates in Overland Park

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Car Insurance Companies in Overland Park

MoneyGeek analyzed the average rates, claims ratings and customer satisfaction scores of several insurers and found the following companies offering the best car insurance in Overland Park:

  • State Farm: MoneyGeek score of 74.2 out of 100
  • American Family: MoneyGeek score of 67.6 out of 100

Since USAA doesn’t offer policies to non-military drivers, the company wasn’t included in MoneyGeek’s analysis. However, it received a score of 100 out of 100, making it the best car insurance company in Overland Park.


1
State Farm
Score:74

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm’s full coverage car insurance costs an average of $782 per year in Overland Park. The company ranked the highest for claims and affordability, while it ranked second for satisfaction. It offers rideshare insurance.

More About State Farm

State Farm's rideshare insurance coverage in Overland Park will benefit you if you work for a ridesharing company. It ensures that your personal auto policy's medical, emergency roadside assistance and rental car reimbursement coverages remain in effect while you're looking for a ride. This coverage also puts your policy deductible in effect. All coverages except liability insurance remain in effect when you start the ride. The company also offers other common coverages with its policies, including rental car and/or travel reimbursement and roadside assistance.

Read MoneyGeek's State Farm auto Insurance Review
2
American Family
Score:68

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

Geek Quick Take
Geek Quick Take

American Family charges an average of $703 per year for a policy. The company scored the second-highest for satisfaction and affordability, while it ranked the third-highest for claims. It offers Original Equipment Manufacturer (OEM) coverage.

More About American Family

American Family’s OEM coverage helps to ensure that after-market parts will not be used in your vehicle if it gets repaired. You can add this coverage to your policy after paying an additional cost. Besides this coverage, the company also offers rideshare insurance, gap insurance, accident forgiveness and some other common coverages. The rideshare insurance coverage helps you get back on the road if your vehicle breaks down. It’s a low-cost optional coverage that you can add to your auto policy.

Read MoneyGeek's American Family auto Insurance Review

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 Code
    State Minimumper year
  • 66213
    $816
  • 66212
    $833

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.

accident2 icon
Most Accidents With Fatalities294th/300
handcuffs2 icon
Most Car Thefts244th/300
uninsured icon
Most Uninsured Motorists by State44th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall116th/300
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Most Rainy Days144th/300

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.