UPDATED: Mar 13, 2020
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Cheap Car Insurance in Overland Park, KS
Are you looking for auto insurance in Overland Park? At AutoInsuranceEZ.com, you can get the very best insurance rates close to you. To receive free car insurance quotes from the best providers today, key your zip code into the quote box on this page.
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+)”? Learn more about Overland Park, KS.
Auto Insurance Coverage Requirements in Kansas
Driving legally in Overland Park requires:
|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:
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? 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 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 from provider to provider. To find out whether you’re still paying the most favorable rate, compare cheap Kansas auto insurance quotes online.
Enter your zip code below to view companies that have cheap auto insurance rates.
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Major Car Insurance Factors in Overland Park
Insurance companies take many factors into account when creating an 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.
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.
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.
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.
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.
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.
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.
Minor Car Insurance Factors in Overland Park
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.
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.
Calculate YOUR auto insurance risks by entering your Zip Code into the calculator below.