Cheapest Car Insurance Quotes in Olathe

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408,850 Policies Sold

Olathe Car Insurance

^$ 19

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Olathe

The car insurance rate in Olathe is $848 for a six-month policy, which is $239 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $287, making it a popular choice for budget-conscious drivers. Rates in Olathe can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Olathe

$848

Avg. Car Insurance in Colorado

$1087

National Average

$1278

Cheapest Car Insurance Companies in Olathe

1st place: Colorado Farm Bureau

At $287 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $315 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $473 for six months, making it the third cheapest auto insurance company in Olathe.

Olathe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Olathe, CO is Colorado Farm Bureau, offering policies at just $287 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $315.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1335 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Olathe drivers find the best deals.

Cheap Car Insurance Companies in Olathe, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$287	$49
American National P&C	$315	$52
Auto-Owners Insurance Co	$473	$80
Acuity	$514	$86
Colorado Farm Bureau Mutual	$621	$105
American Family	$750	$126
American National	$778	$133
State Farm	$848	$143
USAA	$862	$145
Farmers	$996	$166
Progressive	$1080	$182
Allstate	$1339	$225
Nationwide	$1691	$288
Auto-Owners	$839	$140
Farm Bureau	$1335	$227

Key Takeaways

Way's key takeaways about car insurance in Olathe

The auto insurance costs in Olathe fall around $287 for six months.
The cheapest auto insurance company in Olathe is Colorado Farm Bureau.
Teen drivers pay the highest rate in Olathe at $466 per month.

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Cheapest Minimum Liability Car Insurance in Olathe

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Olathe are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Olathe. Their Average 6 Month Premium is $112. AutoOwners is the most expensive at $310 for the same period.

Cheapest Liability Coverage in Olathe, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$112	$19
American National P&C	$120	$20
American National	$144	$24
Colorado Farm Bureau Mutual	$172	$29
USAA	$190	$32
Auto-Owners Insurance Co	$218	$37
Farm Bureau	$222	$37
Acuity	$236	$40
State Farm	$250	$42
Progressive	$260	$44
American Family	$269	$45
Farmers	$320	$55
Allstate	$491	$83
Nationwide	$514	$87
Auto-Owners	$310	$51

Cheapest Full Coverage Car Insurance in Olathe

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Olathe is Colorado Farm Bureau at $49 per month and $287 for six months.

Cheapest Full Coverage Car Insurance Quotes in Olathe, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$287	$49
American National P&C	$315	$52
Auto-Owners Insurance Co	$473	$80
Acuity	$514	$86
Colorado Farm Bureau Mutual	$621	$105
American Family	$750	$126
American National	$778	$133
State Farm	$848	$143
USAA	$862	$145
Farmers	$996	$166
Progressive	$1080	$182
Allstate	$1339	$225
Nationwide	$1691	$288
Auto-Owners	$839	$140
Farm Bureau	$1335	$227

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Average Car Insurance in Olathe by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Olathe, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Olathe, Colorado, may be increasing due to several external factors. Colorado has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Olathe's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Olathe

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Olathe,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Olathe at $20 per month. At $2742 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$116	$20
American National P&C	$144	$24
California Casualty	$162	$27
Colorado Farm Bureau	$204	$34
Auto-Owners Insurance Co	$296	$51
USAA	$1075	$181
American Family	$1672	$282
State Farm	$1705	$287
Progressive	$2030	$342
Allstate	$3415	$569
Nationwide	$5398	$918
Colorado Farm Bureau Mutual	$1061	$180
Farmers	$6843	$1152
Auto-Owners	$2742	$466

Teen Car Insurance Rates in CO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Olathe, Colorado Farm Bureau is the cheapest car insurance provider. At $218 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Olathe is AutoOwners, offering rates of around $2539 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$218	$37
Acuity	$334	$57
Farmers	$394	$66
American Family	$1084	$183
Progressive	$1436	$242
USAA	$1608	$273
Nationwide	$2567	$427
Allstate	$2849	$484
State Farm	$4958	$826
Auto-Owners	$2539	$431

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Car Insurance Rates with An Accident in Olathe

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Olathe, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Olathe

The cheapest car insurance companies after an at-fault accident in Olathe include Colorado Farm Bureau and American National, offering $139 and $162, respectively. AutoOwners is an expensive provider with an average six-month premium of $1395.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$139	$23
American National	$162	$27
American National P&C	$172	$29
Farm Bureau	$218	$37
California Casualty	$315	$52
State Farm	$602	$101
USAA	$690	$116
American Family	$917	$154
Progressive	$1283	$216
Allstate	$2632	$448
Nationwide	$2966	$495
Colorado Farm Bureau Mutual	$728	$124
Farmers	$2553	$430
Auto-Owners	$1395	$232

Olathe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Olathe CO. For example, the car insurance in Olathe after a DUI increases to for a six month policy. While the rate increases by for a six-month policy in the case of a speeding ticket.

Olathe auto insurance quotes by violations

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Olathe after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Olathe.

The cheapest car insurance premiums in Olathe are offered by Colorado Farm Bureau at $162 for a six-month policy. However, it can be as expensive as $1733 with companies like AutoOwners.

Olathe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$162	$27
American National	$172	$29
American National P&C	$194	$33
Farm Bureau	$255	$42
Farmers	$385	$66
Progressive	$778	$131
State Farm	$941	$158
USAA	$1001	$168
American Family	$1061	$179
Allstate	$2257	$376
Nationwide	$4003	$681
Colorado Farm Bureau Mutual	$741	$126
Auto-Owners	$1733	$295

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Olathe are offered by American National P&C at $144. However, it can be as expensive as $871 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Olathe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$144	$24
Colorado Farm Bureau	$148	$25
Auto-Owners Insurance Co	$236	$39
State Farm	$709	$119
American Family	$750	$126
USAA	$996	$169
Progressive	$1154	$194
Allstate	$1877	$319
Nationwide	$2446	$408
Farmers	$3193	$543
Auto-Owners	$871	$148

Car Insurance Price Trends in Olathe, Colorado

Car insurance rates in Olathe have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Olathe dipped by $175 in March compared to $203 of February. In other words, there has been an decrease by $28 when you compare March and February.

The average cost of liability insurance in the Olathe rose to $42 in March, compared to $37 in February. This represents an increase of $5 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Olathe?

The car insurance in Olathe is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Olathe?

The cheapest car insurance in Olathe is $49 per month for full coverage.

How much is car insurance in Olathe for teenagers?

Car insurance for teenagers costs $116 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Olathe?

The average cost of car insurance is $1087 for a six-month policy. It will cost around $143 per month to insure your car in Olathe.

Is car insurance expensive in Olathe?

Car insurance can be expensive in Olathe if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Olathe can be affordable.

What is the best car insurance in Olathe, CO?

The best car insurance company in Olathe CO is Colorado Farm Bureau, offering $287 for a six-month policy.