Cheapest Car Insurance Quotes in Overland Park

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Overland Park Car Insurance

^$ 26

/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 Overland Park

The car insurance rate in Overland Park is $916 for a six-month policy, which is $48 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $440, making it a popular choice for budget-conscious drivers. Rates in Overland Park 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 Overland Park

$916

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Overland Park

1st place: AutoOwners Insurance Co

At $440 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $649 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $689 for six months, making it the third cheapest auto insurance company in Overland Park.

Overland Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Overland Park, KS is AutoOwners Insurance Co, offering policies at just $440 for a six-month term. This is followed by Travelers, which has an average six-month premium of $649.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1461 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Overland Park drivers find the best deals.

Cheap Car Insurance Companies in Overland Park, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$440	$73
Travelers	$649	$109
American Family	$689	$116
USAA	$689	$116
Nationwide	$751	$126
Shelter	$812	$137
Auto-Owners	$931	$155
State Farm	$942	$159
Progressive	$1033	$174
Farmers	$1061	$179
Encompass	$1196	$200
Farm Bureau	$1259	$214
Allstate	$1461	$246

Key Takeaways

Way's key takeaways about car insurance in Overland Park

The auto insurance costs in Overland Park fall around $440 for six months.
The cheapest auto insurance company in Overland Park is USAA.
Teen drivers pay the highest rate in Overland Park at $731 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Overland Park

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 Overland Park are given below.

USAA provides the cheapest minimum car insurance coverage in Overland Park. Their Average 6 Month Premium is $152. Encompass is the most expensive at $226 for the same period.

Cheapest Liability Coverage in Overland Park, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$152	$26
Auto-Owners Insurance Co	$158	$27
Iowa Farm Bureau	$198	$33
Farmers Union Insurance	$209	$35
Travelers	$215	$36
Auto-Owners	$226	$38
Electric	$226	$38
Kansas Farm Bureau	$237	$40
Progressive	$242	$41
American Family	$248	$42
State Farm	$248	$42
Farm Bureau	$254	$43
Shelter	$288	$48
Farmers	$412	$69
Allstate	$547	$92
Encompass	$226	$38

Cheapest Full Coverage Car Insurance in Overland Park

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 Overland Park is AutoOwners Insurance Co at $73 per month and $440 for six months.

Cheapest Full Coverage Car Insurance Quotes in Overland Park, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$440	$73
Travelers	$649	$109
American Family	$689	$116
USAA	$689	$116
Nationwide	$751	$126
Shelter	$812	$137
Auto-Owners	$931	$155
State Farm	$942	$159
Progressive	$1033	$174
Farmers	$1061	$179
Encompass	$1196	$200
Farm Bureau	$1259	$214
Allstate	$1461	$246

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Average Car Insurance in Overland Park 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 Overland Park, KS increasing?

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

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

Car Insurance Premiums by Age in Overland Park

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Nationwide	$726
30s	Nationwide	$624
40s	Nationwide	$505
50s	Nationwide	$463
60s	Nationwide	$441
70s	Nationwide	$479

Cheapest Car Insurance Rates for Teen Drivers in Overland Park,KS

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Overland Park at $35 per month. At $4340 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$209	$35
Iowa Farm Bureau	$232	$39
Farmers Union Insurance	$242	$41
Kansas Farm Bureau	$311	$51
Travelers	$672	$113
American Family	$1185	$200
USAA	$1405	$237
State Farm	$1981	$333
Shelter	$2207	$371
Progressive	$2223	$374
Farmers	$2562	$431
Farm Bureau	$2833	$472
Allstate	$4340	$731

Teen Car Insurance Rates in KS by Age

Way Tip

If you are in your twenties Nationwide is the best choice for car insurance in Overland Park.

As young drivers face the highest rates in Overland Park, Nationwide offers the cheapest auto insurance rates at $726 for six months.

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 Overland Park, Iowa Farm Bureau is the cheapest car insurance provider. At $378 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 Overland Park is State Farm, offering rates of around $3984 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$378	$65
Farmers Union Insurance	$384	$64
Nationwide	$412	$70
Travelers	$722	$122
USAA	$920	$157
Progressive	$942	$159
Shelter	$1021	$172
American Family	$1044	$176
Farmers	$1355	$228
Farm Bureau	$2325	$388
Allstate	$2438	$414
State Farm	$3984	$664

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Save up to $971/yr on car insurance rates in Overland Park.

Car Insurance Rates with An Accident in Overland Park

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 Overland Park, KS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Overland Park

The cheapest car insurance companies after an at-fault accident in Overland Park include AutoOwners Insurance Co and Electric, offering $192 and $271, respectively. Encompass is an expensive provider with an average six-month premium of $311.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$192	$32
Electric	$271	$46
Iowa Farm Bureau	$305	$50
Farmers Union Insurance	$322	$55
Auto-Owners	$338	$56
Kansas Farm Bureau	$428	$73
Travelers	$485	$82
USAA	$559	$94
State Farm	$620	$105
American Family	$660	$111
Shelter	$869	$146
Progressive	$1094	$184
Farmers	$1902	$320
Farm Bureau	$1908	$324
Allstate	$2111	$355
Encompass	$311	$53

Overland Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Overland Park KS. For example, the car insurance in Overland Park after a DUI increases to $965 for a six month policy. While the rate increases by $215 for a six-month policy in the case of a speeding ticket.

Overland Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1106	$184
One Med/PIP claim	$1106	$188
Not-at-fault accident	$1134	$189
Two Med/PIP claims	$1185	$201
One comp claim	$1190	$199
Failure to show documents	$1225	$208
Two comp claims	$1236	$206
Failure to wear a seat belt	$1247	$212
Child safety restraint	$1281	$214
Driving with expired registration	$1281	$218
Driving without lights	$1281	$214
Speeding 6 - 10 MPH over limit	$1321	$224
Cell phone violation	$1338	$223
Driving too slowly	$1338	$227
Texting while driving	$1338	$223
Failure to yield	$1349	$229
Following too closely	$1349	$225
Illegal turn	$1349	$229
Wrong way/wrong lane	$1349	$225
In 65 MPH zone	$1355	$230
Speeding 11 - 15 MPH over limit	$1355	$226
Failure to stop at a red light	$1360	$231
Improper passing	$1360	$227
Speeding in school zone	$1360	$231
Speeding 16 - 20 MPH over limit	$1365	$228
Open container	$1377	$234
Operating a vehicle without permission	$1388	$232
Passing school bus	$1399	$238
Speeding 21 - 25 MPH over limit	$1399	$234
At-fault accident - less than $1000	$1416	$241
At-fault accident - $1000-$2000	$1563	$260
At-fault accident - greater than $2000	$1563	$266
Racing	$1727	$288
Reckless driving	$1873	$318
Driving with a suspended license	$2031	$338
Refusal to submit to a chemical test	$2054	$350
DUI	$2071	$345
Leaving scene of an accident/hit and run	$2156	$367

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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 Overland Park 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 Overland Park.

The cheapest car insurance premiums in Overland Park are offered by Farmers Union Insurance at $372 for a six-month policy. However, it can be as expensive as $2991 with companies like Farm Bureau.

Overland Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$372	$64
Travelers	$514	$86
American Family	$610	$103
Progressive	$689	$116
State Farm	$841	$142
USAA	$1083	$182
Shelter	$1242	$209
Farmers	$1264	$213
Allstate	$1817	$306
Farm Bureau	$2991	$499

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 Overland Park are offered by Iowa Farm Bureau at $248. However, it can be as expensive as $3228 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Overland Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$248	$42
Auto-Owners Insurance Co	$259	$44
Farmers Union Insurance	$276	$47
Travelers	$547	$92
American Family	$593	$100
USAA	$599	$100
State Farm	$610	$103
Progressive	$818	$138
Farm Bureau	$1078	$183
Shelter	$1202	$200
Farmers	$1292	$218
Allstate	$3228	$538

Car Insurance Price Trends in Overland Park, Kansas

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

The average cost of full coverage in the Overland Park rose by $176 in December compared to $175 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Overland Park rose to $44 in December, compared to $43 in November. This represents an increase of $1 when comparing December and November.

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Average Car Insurance Cost in Overland Park by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Overland Park. At $1071 for a six-month policy, insuring your car at 66212 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
66212	$1071	$180
66223	$1044	$175
66221	$998	$167
66210	$1007	$169
66204	$1007	$169
66213	$1053	$176
66224	$979	$164
66214	$970	$163
66207	$989	$166

Frequently Asked Questions

How much is car insurance in Overland Park?

The car insurance in Overland Park is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Overland Park?

The cheapest car insurance in Overland Park is $73 per month for full coverage.

How much is car insurance in Overland Park for teenagers?

Car insurance for teenagers costs $209 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 Overland Park?

The average cost of car insurance is $964 for a six-month policy. It will cost around $154 per month to insure your car in Overland Park.

Is car insurance expensive in Overland Park?

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

Cheapest Car Insurance Quotes in Overland Park

Why you can trust Way?

How Much Is Car Insurance in Overland Park

Avg. Car Insurance in Overland Park

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Overland Park

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Overland Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Overland Park, KS

Way's key takeaways about car insurance in Overland Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Overland Park

Cheapest Liability Coverage in Overland Park, KS

Cheapest Full Coverage Car Insurance in Overland Park

Cheapest Full Coverage Car Insurance Quotes in Overland Park, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Overland Park by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Overland Park, KS increasing?

Car Insurance Premiums by Age in Overland Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Overland Park,KS

If you are in your twenties Nationwide is the best choice for car insurance in Overland Park.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Overland Park

Cheapest Car Insurance Companies after an At-Fault Accident in Overland Park

Overland Park Car Insurance Rates by Violation

Overland Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Overland Park after a DUI

Overland Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Overland Park after Speeding ticket

Car Insurance Price Trends in Overland Park, Kansas

Average Car Insurance Cost in Overland Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Overland Park, KS

Car Insurance Rates by State in the USA (2025 Update)

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