Average car insurance cost in Overland Park, KS

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The average car insurance cost in Overland Park, Kansas is $1,718 per year, according to Insure.com data. This is $182 less than the average auto insurance cost in Kansas and $177 less than the national average, as analyzed by Insure.com.

The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.

The article covers information on – the cheapest car insurance providers in Overland Park, the average car insurance rates by age, gender and how much is car insurance in Overland Park based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Overland Park. Read on to learn more.

Cheap car insurance companies in Overland Park

Nationwide provides the best value for car insurance in Overland Park with coverage limits of 100/300/100, costing $1,122 annually.

A close second is Geico, which offers car insurance at $1,336 per year.

Read about the best car insurance companies.

Average car insurance cost in Overland Park by coverage limits

In Overland Park, the average car insurance rates 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 most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.

To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.

Average car insurance rates by gender in Overland Park

In Overland Park, Kansas, the average annual car insurance premium for female drivers is $1,723 per year.

While the average annual cost for male drivers is $1,713 per year, which is $10 less than what female drivers pay, according to a rate analysis by Insure.com.

According to the Insurance Information Institute, statistics demonstrate that women are generally regarded as safer drivers than men. They often pay less for auto insurance because of their lower rate of severe accidents than men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Overland Park

In Overland Park, teenagers have the highest car insurance rates, at $5,799 per year or $483 per month. This higher rate is attributed to the increased risk of road accidents among teenagers (aged 16 to 19) due to their limited experience on the road, according to the Insurance Information Institute.

However, there are driving laws for teens to improve their driving habits. Additionally, the cost of teen insurance can be reduced by adding them to a parent’s auto insurance policy. As teens mature and establish a positive driving history, their car insurance rates are likely to decrease.

Young adults, pay an average of $2,815 annually for car insurance, which is $2,984 less than what the teens pay for their insurance policy.

Meanwhile, adult, and senior drivers in Overland Park have car insurance rates of $1,699 and $1,652 per year, respectively. The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.

Read more on auto insurance for seniors.

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

Car insurance rate trends in Overland Park

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

The table below shows the trend for last four years:

Conclusion

In conclusion, Overland Park’s car insurance rates are lower than the average insurance rates in Kansas. Drivers in Overland Park can find affordable car insurance options by shopping around and taking advantage of available discounts. Moreover, 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

 

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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.