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Do you need auto insurance in Olathe? At AutoInsuranceEZ.com, you can easily find the very best insurance rates near you. To find free car insurance quotes from the top providers today, type your zip code into the quote box on this page.

Olathe is the second largest city in the entire state of Kansas right behind Louisville. Like many cities in the area, the horse breeding industry is a major player in Olathe. It is even referred to as the “Horse Capital of the World”. Lexmark, the popular printer company, is also headquartered in Olathe.

  • Fun fact: Did you know that Olathe is #7 on the list of “Top 101 cities with largest percentage of females working in industry: Petroleum and petroleum products merchant wholesalers (population 50,000+)”? Learn more about Olathe, KS.

Auto Insurance Coverage Requirements in Kansas

Driving legally in Olathe requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Just because you have the state minimum coverage doesn’t mean you’re adequately protected. Between Liability coverage and Uninsured Motorist coverage, your insurer will only pay out claims for specific situations.

The statewide average for Kansas motorists can be as high as $113 per month. However, under certain circumstances, Olathe drivers could get a rate as low as $28/month* under the right factors. It all depends on things such as your driving record, your credit score, and what type of vehicle you want to insure.

Average Monthly Auto Insurance Premiums Legend: Olathe State Farm Allied American Family Safe Auto Nationwide 5 10 15 20 25 30 $28 $27 $26 $33 $26

 

According to the data in the chart, American Family and Nationwide are offering the lowest price in the Olathe area. But just because their rates are the lowest doesn’t mean you’ll get the best value. It might be worth it to pay a little extra each month if your provider has stellar customer service and an easy claims process.

Auto insurance carriers consider many variables when assessing insurance quotes, including marital status, zip code, credit score/rating, education, and business use of the vehicle. In addition, premiums differ from provider to provider. To verify you’re still receiving the cheapest rate, compare cheap Kansas auto insurance quotes online.

Major Car Insurance Factors in Olathe

Insurance companies take numerous variables into account when crafting an auto insurance policy. Unfortunately, a great number of elements are difficult or impossible to change, such as your gender or how far you have to drive to work each day. Other factors your car insurance company may consider include:

  • Your Zip Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Olathe is 131,885 and the median household income is $80,823.

Auto Insurance by Zip Code Legend: Kansas City Wichita Topeka Olathe Overland Park State Farm Allied American Family Safe Auto Nationwide 5 10 15 20 25 30 35 $29 $31 $26 $28 $28 $31 $31 $26 $27 $29 $31 $31 $24 $26 $26 $38 $38 $32 $33 $38 $26 $30 $27 $26 $27

 

  • Automotive Accidents

If your zip code is located in an area with a high rate of accidents, you can expect to pay more for insurance as a result. The most recent accident statistics are displayed in the chart below, which marks a 100% increase in accidents from the previous year.

Fatal Accidents in Olathe, KS Legend: Olathe Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 8 12 3 8 18

 

  • Auto Thefts in Olathe

Finding cheap auto insurance can be difficult if you are at risk for auto theft. Certain popular vehicle models are attractive to thieves, as well as vehicles which are parked often in large cities. The total number of stolen vehicles in Olathe was 179 back in 2013. Since auto theft rates are so low in Olathe, you might be able to save money on your policy by reducing or eliminating Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Farm Allied American Family Safe Auto Nationwide 15 30 45 60 75 90 105 120 $28 $75 $27 $48 $26 $94 $33 $134 $26 $65

 

  • Your Credit Score

It turns out that your credit score is one of the biggest influential factors when it comes to determining your insurance premiums. Just look at the chart below. If you have poor credit, your rates could be anywhere from 2x to 3x higher than someone with better credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Farm Allied American Family Safe Auto Nationwide 5 10 15 20 25 30 35 40 45 50 55 60 $22 $53 $24 $38 $21 $46 $28 $61 $24 $36

 

  • Your Age

The younger you are, and the less experience you have behind the wheel, the more likely you are to get into an accident. However, teenage drivers can reduce some of their insurance costs by looking into good student discounts, as well as taking Drivers Ed and defensive driving courses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Farm Allied American Family Safe Auto Nationwide 25 50 75 100 125 150 175 200 225 $28 $101 $27 $111 $26 $77 $33 $243 $26 $82

 

  • Your Driving Record

The more violations you have on your record, the more likely you are to file a claim – which will lead your provider to charge you higher premiums. But if you have too many citations, or commit a serious violation – such as a DUI – you may lose your coverage all together.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Allied American Family Safe Auto Nationwide 5 10 15 20 25 30 35 40 45 50 55 60 65 70 $28 $31 $31 $34 $27 $35 $71 $46 $26 $26 $26 $34 $33 $40 $56 $56 $26 $34 $65 $43

 

  • Your Vehicle

Naturally, you’ll have to pay more for your insurance when you are insuring an expensive, luxury vehicle. Such cars cost more to replace or repair, should you file a claim, and you will need more than just the state minimum coverage in order to protect your investment.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Allied American Family Safe Auto Nationwide 15 30 45 60 75 90 105 120 135 $28 $108 $27 $58 $26 $147 $33 $147 $26 $80

 

Minor Car Insurance Factors in Olathe

Of course, there are also these other premium-altering factors:

  • Your Marital Status

Whether you are single or married, as an individual, your marital status will not influence your monthly rate by more than a few percentage points, if at all. However, married couples can get access to lower rates by bundling their policies together with the same company. You can get further discounts by bundling homeowner’s insurance, or renter’s insurance to your auto policies.

  • Your Gender

Whatever preconceived notion you may have about which gender is better behind the wheel, the data doesn’t confirm any biases one way or another. Depending on your insurer, you may be charged 1-2% more or less based on your gender alone, or you may be charged the same rate regardless.

  • Your Driving Distance to Work

While driving time to work in Olathe can vary wildly from 15-22 minutes, depending on what part of the city you live in. Just over 80% of workers prefer to drive their own vehicle in to work by themselves, while arould 5-24% carpool.

Do you think you’ll pay higher insurance rates for driving more miles each year? Or for driving for pleasure instead of commuting to work/school? Well, the truth is that only business vehicles see a significant rate hike (about 10-12%/month). All other variables will only change your monthly premium by a few dollars.

  • Your Coverage and Deductibles

Naturally, the more insurance coverage you purchase, the higher your monthly premiums will be. However, you can purchase the coverage you need and keep your monthly rate relatively low by raising your deductible. Yes, you will have higher out-of-pocket expenses in the event of a claim, but you will have lower monthly premiums as a result.

  • Education in Olathe, KS

Getting a higher education can save you a good deal of money on car insurance – even more than having a nice job or a great salary. But if you live in Olathe, you probably already know this, because Olathe motorists are almost twice as likely to have a bachelor’s degree as any other Kansas resident. There are also a large number of drivers with high school diplomas.

Olathe has a few unique choices for those who are planning to improve upon their education. Back in 1866, the Kansas State University for the Deaf was established in order to help those with hearing impairments earn a college degree. There is also the MidAmerica Nazarene University, a private, Christian school.

Locating affordable auto insurance can be a hassle. There’s a lot of information you need to consider, and determining how insurance companies evaluate your potential risk can be complex. But try not to let the wrong insurance company talk you into purchasing the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Kansas Department of Insurance

Kansas Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

Calculate YOUR auto insurance risks by entering your Zip Code into the calculator below.

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