Average car insurance cost in Overland Park, KS

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Based on an analysis by Insure.com, the typical car insurance expense in Overland Park, Kansas is $1,718 annually. Furthermore, car insurance premiums in Overland Park are $182 less than compared to the state average in Kansas and $177 less than the national average.

Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.

This article looks at the most affordable car insurance companies in Overland Park, the average car insurance rates by age and gender, and the costs in Overland Park based on coverage limits.

Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Overland Park. Keep reading to learn more.

Cheap car insurance companies in Overland Park

At an average of $1,122 per year with full coverage limits of 100/300/100, Nationwide provides the most affordable car insurance in Overland Park.

Ranked as the second most affordable company in Overland Park, Geico provides car insurance at $1,336 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Overland Park that align with your needs before selecting a policy.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Overland Park, Kansas:

Read about the best car insurance companies.

Average car insurance cost in Overland Park by coverage limits

The average car insurance rates in Overland Park based on coverage types are as follows:

• State minimum coverage: $542 per year (limits are 25/50/25)
• Liability only coverage: $584 per year (limits are 50/100/50)
• Full coverage: $1,718 per year (limits are 100/300/100)
• Non-owners coverage: $332 per year

In many states, it’s a legal requirement for drivers to maintain the state minimum coverage, although these requirements vary by state. The state minimum coverage does not cover vehicles listed on your policy in an at-fault accident.

To avoid the risk of insufficient coverage and out-of-pocket expenses, it’s advisable to opt for full coverage or non-owner coverage, especially if you frequently borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Overland Park

The average car insurance per year for female drivers in Overland Park, Kansas, is $1,723.

Whereas the yearly average car insurance rate for male drivers is $1,713, which is $10 less than what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Overland Park

Car insurance rates in Overland Park, are highest for teens at $5,799 per year or $483 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.

As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $2,815 annually for their car insurance, which is $2,984 less than what teens pay for their insurance coverage.

In Overland Park, adult drivers pay an average of $1,699 per year for car insurance, while senior drivers pay $1,652 annually.

The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Overland Park

Examining the trends in car insurance rates in Overland Park, Kansas it was on an upward swing from 2022 to 2023. From 2022 to 2023 rates increase overall by 24%, or $329.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Overland Park, are lower than the average insurance cost in Kansas. Shopping around and taking advantage of available discounts, drivers in Overland Park can find affordable car insurance options. Many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

 . .

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.