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Key Takeaways

  • Kansas has an affordable car insurance rate in the country, with Overland Park paying less than the statewide average.
  • Overland Park, Kansas, has an annual average auto insurance premium of $1,534

How Much Does Car Insurance Cost In Overland Park?

Overland Park Rates Vs Kansas Vs United States Averages

Overland Park, Kansas, has an annual average auto insurance premium of $1,534. Compared to the state average of $1,636 and the national average of $1,557, this is a better deal. Our car insurance guide in Kansas includes average rates based on age, credit score, driving history, and marital status.

Overland Park (Annual Average) Kansas (Annual Average) United States (Annual Average)
$1,534 $1,636 $1,557

Overland Park Auto Insurance Premiums By Company

Iowa Farm Bureau offers the most affordable insurance premiums in Overland Park for the average consumer.

Insurance Company Annual Rate
Iowa Farm Bureau $1,042
State Farm $1,139
American Family $1,252
Progressive $1,536
Allstate $1,768

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Overland Park Auto Insurance Premiums By Age Group

Overland Park drivers in their fifties pay, on average, $1,289 a year for their car insurance. If you're in your 60s, you won't have to pay much more than $1,310.

Overland Park's teen drivers pay the highest auto insurance premiums in the city. When drivers in Overland Park reach their twenties and leave their adolescent years, their insurance premiums drop dramatically. In Overland Park, the price difference between young drivers and older drivers in their 20s is the largest.

Age Average Annual Rate
Teenagers $5,469
20s $2,111
30s $1,492
40s $1,423
50s $1,289
60s $1,310
70s $1,562

Overland Park Auto Insurance Premiums By Marital status

Compared to singles, married Overland Park drivers save on vehicle insurance each year. Car insurance premiums are lower for married drivers than for single drivers.

Marital Status Average Annual Rate
Single $1,402
Married $1,399
Divorced $1,529
Widowed $1,496

Overland Park Auto Insurance Premiums By Gender

Female drivers in Overland Park pay same premium per year for car insurance like male drivers.

Gender Average Annual Rate
Female $1,560
Male $1,560

Overland Park Auto Insurance Premiums By Driving record

Reckless drivers in Overland Park face an annual rate increase of around $760 over the city average when it comes to vehicle insurance. Speeding tickets result in an around $350 increase in insurance premiums, while a DWI or DUI infraction costs around $870 per year.

Incident Average Annual Rate
DWI/DUI $2,150
Reckless Driving $2,082
At-fault Accident (damages less than $1,000) $1,889
At-fault Accident (damages > $2,000) $2,210
Speeding Ticket (16-20 mph over speed limit) $1,802

Overland Park Auto Insurance Premiums By Credit Rating

Car insurance rates for Overland Park drivers drop by 53% when they improve their credit score from the "Very Poor" (300-579) to the "Exceptional" (800-850) range. Cheaper car insurance is a great benefit of improving your credit score from “Very Poor” to “Fair”. In Overland Park, Kansas, improving your credit rating to "Fair" can save you around $970 in insurance premiums each year.

Credit Score Average Annual Rate
Very Poor $2,764
Fair $1,798
Good $1,536
Very Good $1,421
Exceptional $1,298

Overland Park Auto Insurance Premiums by Zip Code

Even though the cost of auto insurance in a city tends to be about the same, rates can be higher or lower depending on things like the number of people living there, the amount of traffic, and the crime rate. Different ZIP codes in Overland Park have different rates too.

ZIP code Average Annual Rate
66213 $820
66212 $839

What Would Increase Your Car Insurance Rate In Overland Park?

Due to a variety of factors, such as the state's auto insurance legislation, weather conditions, the average driver and number of uninsured motorists, Kansas car insurance prices can increase.

Auto Theft Statistics In Overland Park

The recent analysis shows that there are 20 property crimes for every 1,000 people in Overland Park. This means that, compared to all other cities and towns in America, Overland Park has a higher-than-average chance of being a victim of a property crime.

Theft, arson, larceny, and burglary are all types of property crimes. One in 50 people in Overland Park will become a victim of one of these crimes.

Accidents Statistics In Overland Park

According to Kansas Department of Transportation statistics, 429 people were killed and 18,406 were hurt in 2016 on state roads and highways. Here are the most common types of crashes:

  • 26,254 one-vehicle accidents
  • 10,150 collisions with deer
  • 9,558 crashes with fixed objects
  • 4,472 accidents caused by speeding
  • 3,844 wrecks involving an overturned vehicle
  • 3,195 truck accidents
  • 2,506 crashes caused by snow and ice
  • 2,211 drunk driving accidents
  • 2,063 work zone collisions

Overland Park is part of these statistics.

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Auto insurance in Overland Park: Minimum insurance requirement in Kansas

Coverage Limits
Bodily injury liability $50,000 per person
$100,000 per accident
Personal injury protection $10,000
Property damage liability $25,000 per accident
Uninsured/underinsured motorist bodily injury $50,000 per person
$100,000 per accident
Comprehensive and collision $500 deductible

Useful Info For Driving in Overland Park

  • Slow down.
  • Give snow plows room, and don't pass them.
  • Wear your seatbelt at all times.
  • Watch for other vehicles having problems with road conditions.
  • Keep your lights on and keep your mirrors, windows and lights clean.
  • Don't pass other vehicles on or near bridges.
  • Keep your fuel tank at least half full. If you start to feel uncomfortable driving, pull off of the highway and park at the first safe place.

Driving Conditions in Overland Park

  • Overland Park, Kansas gets 42 inches of rain, on average, per year.
  • Overland Park averages 14 inches of snow per year.
  • On average, there are 213 sunny days per year in Overland Park.

Car Insurance Companies in Overland Park

If you drive and own a car, you need auto insurance not only for your protection but also because Kansas state law requires it. These are the top car insurance companies in Overland Park:

Car Insurance Companies in Overland Park
Acceptance Insurance AFI
Allied Allstate
American Family Amica Mutual Insurance
Auto-Owners Branch
Dairyland Encompass
Farm Bureau Farmers
FIMC Foremost
Grange Insurance Hippo
Kemper Auto Liberty Mutual
Mendota MetLife
National General Nationwide
Progressive Safe Auto
Safeco State Auto
State Farm Titan
Travelers Unitrin
USAA  

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQs

Is car insurance expensive in Overland Park?

Most of the time, drivers in Overland Park pay about 11.5% less for car insurance than the average driver in Kansas. They also pay 42,1% less than the average rate in the country.

How much is car insurance in Overland Park, Kansas?

Overland Park, Kansas, has an annual average auto insurance premium of $1,534. Compared to the state average of $1,636 and the national average of $1,557, this is a better deal.

What is full coverage auto insurance in Overland Park, Kansas?

Full coverage auto insurance in Overland Park, Kansas costs around $1,042 and Iowa Farm Bureau offers the most affordable insurance premiums in Overland Park for the average consumer.

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Learn more by city and state for car insurance




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