Overland Park, KS Auto Insurance | Cheap Car Insurance in Overland Park, KS

Overland Park, KS auto insurance requires you have 25/50/10 in liability coverage. Cheap car insurance in Overland Park, KS starts at $26 monthly with American Family. The best Overland Park, KS car insurance companies consist of State Farm, Allied, American Family, Safe Auto, and Nationwide.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Kansas auto insurance requires a 25/50/10 minimum in liability coverage. Residents can find cheap car insurance in Overland Park, KS starting at $26 monthly, offered by American Family. Other best Overland Park, KS car insurance companies include State Farm, Allied, Safe Auto, and Nationwide, each offering competitive Overland Park, KS auto insurance.

Conveniently located close to Kansas City, Overland Park is the adjoining suburb where successful families can retire in order to escape the hustle and bustle. The city has been awarded multiple honors by many different publications in recent years, including the Employment Review and Money magazine. In addition to families, the Overland Park area is also friendly towards businesses.

Fun fact: Did you know that Overland Park is #2 on the list of “Top 101 cities with largest percentage of males working in industry: Broadcasting and telecommunications (population 50,000+)”?

Are you looking for cheap auto insurance in Overland Park, KS? At AutoInsuranceEZ.com, you can get the very best Overland Park, KS auto insurance rates. To receive free car insurance quotes from the best providers today, key your ZIP code into the quote box on this page.

Auto Insurance Coverage Requirements in Kansas

Driving legally in Overland Park 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

Unlike most states, Kansas requires Uninsured Motorist coverage. This protects you in the event that you get into an accident with a driver who is driving (illegally) without any insurance coverage. Also, liability insurance is extremely limited in what claims it will pay out. For theft, vandalism, or weather damage, your insurance will not cover you.

Based on our research, the average monthly premium for Kansas motorists can be as high as $113 per month. However, if you have a clean record and a relatively good credit history, you could get insured by some of the top insurance companies in Kansas for less than $30/month*, as you can see in the chart below:

Average Monthly Auto Insurance PremiumsLegend: Overland Park State Farm Allied American Family Safe Auto Nationwide 5101520253035$28$29$26$38$27


There are a variety of companies offering competitive rates, such as AAA [auto insurance] Overland Park, KS, Progressive [auto] Insurance Overland Park, KS, Aspire Insurance Overland Park, GEICO Insurance in Overland Park, KS and more. American Family, State Farm, and Nationwide have some of the most affordable rates for Overland Park drivers. However, there’s more to good automotive insurance coverage than a low monthly rate. Do they have friendly customer service? Will they pay out on claims as outlined in your agreement?

Besides big name companies like GEICO Insurance in Overland Park, Kansas, there are also independent insurance agents in Overland Park, KS to research. Make sure you get good background information on all your prospective insurance companies before you make a final decision.

Auto insurance companies evaluate many factors when calculating Overland Park, KS auto insurance quotes, including marital status, geography, credit score/rating, years of driving experience, and multiple cars and drivers. Also keep in mind that premiums differ among Overland Park, KS auto insurance companies. To find out whether you’re still paying the most favorable rate, compare cheap Kansas auto insurance quotes online.

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Major Factors in Cheap Car Insurance in Overland Park, Kansas

Insurance companies take many factors into account when creating an affordable Overland Park, KS auto insurance policy. Unfortunately, a great number of variables are difficult or impossible to change, such as your driving record or where you live. Other variables your car insurance company may consider include:

Your ZIP Code

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Overland Park is 181,260 and the median household income is $69,759.

Auto Insurance by ZIP CodeLegend: Kansas City Wichita Topeka Olathe Overland Park State Farm Allied American Family Safe Auto Nationwide 5101520253035$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

Thankfully, fatal accidents in Tuscaloosa are relatively low. There were only 5 fatalities in 2013, which was a drop from the previous year. Since Overland Park doesn’t seem to be an area where serious accidents happen too frequently, you shouldn’t have to worry about such factors raising your premiums.

Fatal Accidents in Overland Park, KSLegend: Overland Park Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 123456789104625101


Auto Thefts in Overland Park

Even in small cities or rural towns, auto theft can still be a problem. In order to make it less of a problem for you, think about installing a passive anti-theft system on your car. Your auto insurance company may reward you with lower rates! In Overland Park, there were 280 auto thefts in 2013. This appears to be part of an ongoing trend. If you aren’t concerned about auto theft, you could be saving a lot of money each month by reducing or eliminating Comprehensive coverage from your policy.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage State Farm Allied American Family Safe Auto Nationwide 153045607590105120135$28$74$29$48$26$94$38$148$27$67


Your Credit Score

Your credit score plays a significant role in what you get charged monthly for your vehicle insurance. As this chart clearly demonstrates, having a poor credit score can almost double – or even triple – what you pay each month to remain insured.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit State Farm Allied American Family Safe Auto Nationwide 510152025303540455055606570$23$54$26$41$21$46$32$71$24$37


Your Age

The younger you are, and the less experience you have behind the wheel, the more you can expect to pay for your automotive insurance each month. As you can see in the chart below, a teenage driver (without any Good Student or Defensive Driving discounts) has to pay a lot more each month.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old State Farm Allied American Family Safe Auto Nationwide 255075100125150175200225250275$28$104$29$123$26$76$38$288$27$83


Your Driving Record

A clean driving record will get you the lowest rate, while accidents and tickets will raise your monthly cost. Too many citations, or serious violations such as a DUI, might result in a loss of coverage all together. Be sure to talk to your insurer about Accident Forgiveness discounts in order to save some money.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm Allied American Family Safe Auto Nationwide 51015202530354045505560657075$28$31$31$34$29$39$78$50$26$26$26$34$38$46$65$65$27$34$66$44


Your Vehicle

Expensive luxury vehicles aren’t just more expensive to insure because they cost more to replace. Odds are that you’re going to want to protect an expensive car with additional insurance coverage. And the more coverage you buy, the more you will have to pay in premiums.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm Allied American Family Safe Auto Nationwide 153045607590105120135150$28$106$29$57$26$148$38$162$27$83


Minor Factors in Cheap Auto Insurance in Overland Park, Kansas

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

Your Marital Status

For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.

Your Gender

No matter what you may have heard, there is no significant difference in risk between male and female drivers – according to most insurance companies. If your provider charges a different rate at all, it should amount to no more than 2-3%. And some companies reward female drivers, while other providers charge less for males.

Your Driving Distance to Work

In Overland Park, commute times can typically span 17-23 minutes, although a commute time between 10-15 minutes is also highly likely. When getting to work, the overwhelming majority of residents prefer to drive their own car alone – Nearly 85%. Between 6-12% prefer to carpool.

Driving fewer miles each year, or reserving your vehicle for trips to and from work only, won’t save you much on your monthly rates. The only thing which will influence your price is whether or not you designate your vehicle as “for business” use. Business vehicles are typically charged 10-12% more each month.

Your Coverage and Deductibles

Obviously, someone who only buys the state minimum mandatory coverage will pay less per month than a driver with additional coverage on their policy. If you feel you need more than the mandatory minimum coverage, but don’t want to pay expensive premiums each month, try raising your deductible. This is especially economical for safe drivers who don’t anticipate a need to file multiple claims.

Education in Overland Park, KS

Overland Park is a highly educated city; more than one third of the residents there have earned a bachelor’s degree. And getting a higher education is going to help them in more than just with their careers and future salaries; it will also help them find lower rates on their auto insurance.

There are a host of public and private institutions to choose from when looking for higher education in Overland Park. The largest by far is the Johnson County Community College, which helps nearly 35,000 students earn associates degrees or prepares them for transfer to a four-year institution. There are also private, religious institutions such as the Overland Park campus of Baker University or St. Mary’s College.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

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.


Kansas Department of Insurance

Kansas Department of Financial Institutions

Department of Highway Safety and Motor Vehicles



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