Home Car insurance Average car insurance cost Car insurance rates by state Kansas Overland Park, KS Average car insurance cost in Overland Park, KS Car insurance rates in Overland Park, Kansas are $1,718 per year. At $1,122 per year, Nationwide offers the cheapest rates in Overland Park View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh 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. | Updated on: September 30, 2024 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. 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. Graph Table City average ratesState average ratesNational average cost$1,718$1,900$1,895 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.Key TakeawaysThe average car insurance cost in Overland Park, Kansas is $1,718 per year.Nationwide offers the cheapest car insurance in Overland Park, at an average of $1,122 per year.Young adults pay $2,815 per year for car insurance in Overland Park.Cheap car insurance companies in Overland ParkNationwide 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. Affordable car insurance providers in Overland Park Graph Table Company NameAverage annual costAverage monthly costNationwide$1,122$93Geico$1,336$111Travelers$1,470$123Progressive$1,710$142State Farm$1,789$149Farmers$1,909$159Iowa Farm Bureau$1,983$165Shelter Insurance$2,181$182Allstate$2,706$225USAA$978$81 Read about the best car insurance companies.Average car insurance cost in Overland Park by coverage limitsIn 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 yearIn 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 ParkIn 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 ParkIn 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 rates by age groups in Overland Park Graph Table Teens (16- to 19-year-olds)Young adults (20- to 24-year-olds)Adults (25- to 55-year-olds)Seniors (60- to 75-year-olds)$5,799$2,815$1,699$1,652 Car insurance rate trends in Overland ParkIf 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: How car insurance rates are changing in Overland Park Graph Table 2016 rates2019 rates2022 rates2023 rates$1,267$1,470$1,389$1,718 ConclusionIn 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.SourcesInsurance 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.MethodologyInsure.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 deductibleThe quoted insurance rates are for comparison purposes, and your individual rates may vary. How much is car insurance in other citiesKansas CityOlatheTopekaWichitaPrachi SinghContributing 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. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Used car insurance costs: Most and least expensive models to insure The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in Overland ParkAverage car insurance cost in Overland Park by coverage limitsAverage car insurance rates by gender in Overland ParkAverage car insurance rates by age in Overland ParkCar insurance rate trends in Overland ParkConclusionSourcesMethodology ZIP Code Please enter valid ZIP See rates