Best Overland Park, Kansas Auto Insurance in 2024 (Find the Top 10 Companies Here)
The best auto insurance in Overland Park, Kansas, includes Farmers, Progressive, and Geico, offering coverage starting as low as $48/mo. Whether you need affordable liability coverage or comprehensive protection, these top providers deliver reliable solutions tailored to your needs in Overland Park.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Company Facts
Full Coverage in Overland Park Kansas
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Overland Park Kansas
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Overland Park Kansas
A.M. Best Rating
Complaint Level
Pros & Cons
With starting rates as low as $48 per month, these providers offer a range of coverage that balances quality and cost. Farmers, in particular, excels with competitive rates and strong customer service, making it the top choice for savvy drivers.
Explore your options to find the right policy that fits your needs and budget. Dive deeper into “Auto Insurance Premium Defined” with our complete resource.
Our Top 10 Company Picks: Best Overland Park, Kansas Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 20% A Competitive Rates Farmers
#2 10% A+ Flexible Discounts Progressive
#3 25% A++ Low Premiums Geico
#4 17% B Reliable Coverage State Farm
#5 20% A+ Broad Availability Nationwide
#6 25% A Customizable Plans Liberty Mutual
#7 25% A+ Rate Stability Erie
#8 15% A Driver Incentives Safeco
#9 25% A Family Focused American Family
#10 13% A++ Tech Integration Travelers
Explore your car insurance options by entering your ZIP code above and finding which companies have the lowest rates.
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#1 – Farmers: Top Overall Pick
Pros
- Coverage Options: Overland Park, Kansas, offers a range of coverage options that are flexible enough to meet your needs without requiring you to pay extra for unnecessary features.
- Mobile Experience: The farmers’ app lets Overland Park residents manage policies and file claims easily from their phones, as noted in our Farmers auto insurance review.
- Unique Programs: Accident forgiveness provides peace of mind and stable rates by preventing premium increases for drivers in Overland Park following an accident.
Cons
- Limited Discounts: Overland Park drivers may find eligibility criteria limiting, making it harder for budget-conscious individuals to fully benefit from savings.
- Complex Policy: Some policies contain jargon, which might confuse drivers about their coverage in Overland Park, KS. Unclear terms hinder individuals’ understanding of their costs.
#2 – Progressive: Best for Innovative Snapshot Program
Pros
- Snapshot Program: Some insurers offer the Snapshot program, a distinctive feature that rewards safe driving habits with potential discounts in Overland Park, Kansas.
- Claims Support: According to Progressive auto insurance review , drivers in Overland Park, KS, can get assistance anytime, ensuring peace of mind during unexpected issues outside regular hours.
- Diverse Coverage: Progressive offers options, from standard auto insurance to unique coverages like pet injury protection, allowing drivers in Overland Park, Kansas, to find a suitable policy.
Cons
- Premium Adjustments: While many drivers appreciate the low initial rates, some may face unexpected premium adjustments based on their driving habits in Overland Park, Kansas.
- Optional Coverages: While base rates are competitive, some optional coverages can be quite costly for Overland Park, Kansas residents, leading to significant increases in overall premiums.
#3 – Geico: Best for Quick Quote Process
Pros
- Quote Process: Getting a quote from Geico is quick and straightforward, which is especially beneficial for Overland Park, Kansas residents. It allows drivers to compare options easily.
- Low Cost Leader: Geico is known for its budget-friendly rates, making it a top choice for drivers in Overland Park, Kansas seeking affordable auto insurance.
- Discount Opportunities: Offers numerous discounts, including those for safe driving, bundling policies, and membership affiliations, which can further reduce premiums in Overland Park, KS.
Cons
- Rate Increases: Some customers in Overland Park, Kansas, have reported unexpected rate increases upon policy renewal. This can be frustrating for those trying to manage their budgets effectively.
- Claims Processing: While Geico is generally reliable, some drivers in Overland Park, KS, have experienced longer claims processing times, as noted in our Geico auto insurance review.
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#4 – State Farm: Best for Comprehensive Insurance Products
Pros
- Insurance Products: Provides a diverse array of coverage options, making it easy for drivers in Overland Park, KS, to find a policy that suits their needs, as noted in our State Farm auto insurance review.
- Discount Opportunities: This program provides a variety of discounts that can greatly benefit drivers in Overland Park, KS. These include rewards for safe driving and savings for bundling insurance policies.
- Community Initiatives: The company actively participates in local events, highlighting its commitment to communities like Overland Park, Kansas. By engaging in community programs.
Cons
- Claims Process: While many appreciate the comprehensive coverage options offered, some drivers in Overland Park, KS, have found that navigating the claims process can be complex.
- Agent Quality: While many agents provide great service, experiences can vary. In Overland Park, Kansas, some customers struggle to find knowledgeable assistance when needed.
#5 – Nationwide: Best for Diverse Coverage
Pros
- Diverse Coverage: According to Nationwide auto insurance review, Overland Park drivers have coverage options, allowing them to find the right policy for their needs, whether basic or comprehensive.
- Payment Plans: Provide significant flexibility for residents of Overland Park, KS. They can tailor their insurance expenses to better suit their financial situations.
- Online Platform: The online features are easy to use and make managing insurance policies for customers in Overland Park, Kansas, a breeze.
Cons
- Local Agent: Finding a local agent can sometimes be difficult, especially in certain areas, which may restrict personalized service for customers in Overland Park, Kansas.
- Policy Options: With a wide array of coverage options, drivers in Overland Park, Kansas, may find themselves feeling overwhelmed as they attempt to sort through the various choices.
#6 – Liberty Mutual: Best for Coverage Options
Pros
- Coverage Options: Provides a range of coverage options tailored to the varied needs of drivers in Overland Park, KS. Whether you’re seeking basic liability insurance or more comprehensive protection.
- Mobile Application: The mobile app significantly improves the customer experience in Overland Park, KS, by allowing users to manage their policies and access essential information while moving.
- Innovative Features: Unique features that increase the value of plans for drivers in Overland Park, Kansas, include accident forgiveness and new car replacement.
Cons
- Claims Processing: Some drivers in Overland Park, Kansas, commend the claims process for being straightforward and efficient, while others have experienced delays and complications.
- Limited Availability: According to Liberty Mutual auto insurance review, some Overland Park residents might find fewer choices than other insurers, limiting their ability to find a suitable policy.
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#7 – Erie: Best for Coverage Options
Pros
- Coverage Options: Erie provides customizable coverage options for Overland Park drivers, allowing them to select plans that match their unique needs, as noted in our Erie auto insurance review.
- Affordable Pricing: Many drivers in Overland Park, KS, appreciate the competitive rates offered by Erie, making it a top choice for those seeking both affordability and quality coverage.
- Unique Benefits: Programs like a disappearing deductible offer a unique incentive for safe driving, making them especially appealing to conscientious drivers in Overland Park, Kansas.
Cons
- Limited Coverage: A drawback for some is that Erie isn’t available in every state, which could limit options for Overland Park, Kansas drivers planning to relocate or travel.
- Recognition Challenges: Erie’s lesser recognition may affect trust among Overland Park drivers, leading to hesitation, but its strong local reputation still attracts many customers.
#8 – Safeco: Best for Customizable Policies
Pros
- Customizable Policies: Safeco offers a range of options, allowing drivers in Overland Park, KS, to customize their insurance to fulfill their needs, as noted in our Safeco auto insurance review.
- Competitive Pricing: Many drivers in Overland Park, KS, value Safeco’s affordable rates, making it an appealing option for those seeking cost-effective insurance.
- Maximize Savings: These savings opportunities make insurance more affordable and reward responsible behavior. For Overland Park drivers, this means added value and reduced costs.
Cons
- Limited Coverage: In Overland Park, Kansas, Safeco might find that it offers fewer options than larger competitors, potentially limiting its ability to customize its policies fully.
- Complex Policy: The language in some policy documents can be challenging to understand, which may confuse drivers in Overland Park, Kansas, trying to decipher their coverage.
#9 – American Family: Best for Diverse Coverage
Pros
- Diverse Coverage: With so many coverage options available, drivers in Overland Park, Kansas, can be sure to find a plan from American Family that suits their individual needs.
- Variety of Discounts: Customers in Overland Park, KS, can save money on their premiums by taking advantage of several discount options, such as combining policies and keeping a clean driving record.
- Online Portal: Customers in Overland Park, Kansas, may stay informed and organized with the help of online management tools, which make it simple to navigate policies and claims.
Cons
- Higher Premiums: Some demographic groups might find higher premiums, which could deter budget-conscious individuals in Overland Park, Kansas, as noted in our American Family auto insurance review.
- Policy Clarity: The clarity of policy documents can vary, potentially leading to misunderstandings and confusion among drivers in Overland Park, Kansas.
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#10 – Travelers: Best for Coverage Choices
Pros
- Coverage Choices: Offers a wide selection of coverage options, ensuring that drivers in Overland Park, Kansas, can find a plan tailored to their specific needs, according to Travelers auto insurance review.
- Claims Handling: Travelers are often praised for their efficient claims processing, reassuring drivers in Overland Park, Kansas, during challenging times.
- Roadside Assistance: Travelers in Overland Park, Kansas, offer drivers peace of mind by providing optional roadside help in case of unforeseen problems while driving.
Cons
- Higher Premiums: Some drivers in Overland Park, Kansas, might find that initial rates are higher compared to competitors, which could discourage budget-conscious customers.
- Limited Discounts: Not all discounts may apply to every driver in Overland Park, Kansas, potentially limiting savings for some policyholders.
Monthly Car Insurance Rates in Overland Park, KS, by ZIP Code
Discovering the right car insurance rate in Overland Park, KS, can be a bit of a puzzle, especially when you consider the impact of ZIP code differences. For further details, check out our in-depth “Auto insurance rates by ZIP code” article.
Overland Park, Kansas Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$61 $165
$48 $130
$60 $160
$50 $135
$70 $175
$63 $155
$55 $145
$66 $170
$58 $150
$65 $160
To help you find the best options, we’ve broken down monthly insurance rates by ZIP code, giving you a clearer picture of what you can expect. Whether you’re a longtime resident or new to the area, this guide will help you navigate your choices more effectively.
Auto Insurance Discounts From the Top Providers in Overland Park, Kansas
Insurance Company Available Discounts
Multi-policy, Safe driver, Good student, Young volunteer, Defensive driving, Loyalty, Low mileage, Autopay, Early-bird
Multi-policy, Safe driver, Young driver, Anti-theft, Pay-in-full, Accident forgiveness, Rate lock
Multi-policy, Safe driver, Good student, Multi-car, Homeowner, ePolicy, Alternative fuel, Signal app
Multi-policy, Defensive driving, Good student, Military, Federal employee, Anti-theft device, New vehicle, Multi-vehicle
Multi-policy, Safe driver, Good student, Anti-theft, New vehicle, Pay-in-full, Military, Paperless, Homeowner
Multi-policy, Safe driver, Accident-free, Anti-theft, Good student, Paperless billing, Defensive driving, SmartRide
Multi-policy, Snapshot usage-based, Safe driver, Good student, Homeowner, Continuous insurance, Pay-in-full, Auto-pay
Multi-policy, Safe driver, Good student, Accident prevention, Defensive driving, New vehicle, Pay-in-full
Multi-policy, Safe driver, Good student, Drive Safe & Save program, Accident-free, Steer Clear (young drivers)
Multi-policy, Safe driver, Good student, Hybrid vehicle, Homeowner, New car, Continuous insurance, IntelliDrive
Understanding the variations in car insurance rates by ZIP code can be crucial for making informed decisions in Overland Park, KS. By examining these monthly rates, you can better assess how your specific location might influence your insurance costs.
Find more info about the monthly Overland Park, KS car insurance rates by ZIP Code below:
Take advantage of this information to ensure you’re getting the best coverage at a rate that fits your budget.
Overland Park, KS Car Insurance Rates Compared to Top US Metro Areas
By evaluating how Overland Park stacks up against major cities, you can gain valuable insights into how location influences insurance premiums and make a more informed decision about your coverage. Are you ready to compare affordable Overland Park, KS auto insurance? Enter your ZIP code above to get started.
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The Cheapest Auto Insurance Company in Overland Park, KS
The cheapest Overland Park, KS auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Kansas auto insurance company rates?” We cover that as well.
Your coverage level will play a significant role in your Overland Park, KS auto insurance rates. The types of car insurance you choose will impact your rates. Find the cheapest Overland Park, KS auto insurance rates by coverage level below:
Your credit score will play a major role in your Overland Park, KS auto insurance rates since auto insurance companies use credit scores to determine rates. Find the cheapest Overland Park, Kansas auto insurance rates by credit score below.
Your driving record will affect your Overland Park auto insurance rates. For example, a Overland Park, Kansas DUI may increase your auto insurance rates 40% to 50%. Cheap auto insurance for drivers with a DUI is not easy to find. Find the cheapest Overland Park, Kansas auto insurance rates by driving record.
Factors affecting auto insurance rates in Overland Park, KS may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Overland Park, Kansas auto insurance.
Several states, including Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania, have moved away from using gender as a factor in determining auto insurance rates. However, age remains a significant factor, especially in Kansas, where young drivers are considered higher risk and therefore face higher premiums.
Monthly Cost of Overland Park, KS Auto Insurance by Age & Gender
Age Male Monthly Rate Female Monthly Rate
Age: 17 $565 $491
Age: 25 $193 $192
Age: 35 $163 $166
Age: 60 $153 $151
While Kansas still incorporates gender into its rate calculations, it’s important to review the average monthly auto insurance rates by both age and gender in Overland Park, KS. Generally, male drivers tend to incur higher insurance costs compared to their female counterparts.
Minimum Auto Insurance Coverage Requirements for Overland Park, KS
Auto insurance agents often suggest increasing your coverage limits to minimize out-of-pocket expenses in the event of an accident. While uninsured/underinsured motorist coverage can offer some protection, it typically does not cover costs if you are found at fault in an accident.
All Overland Park drivers must have the minimum Kansas auto insurance requirements, which are:
- $25,000 for bodily injury liability of one person per accident.
- $50,000 for bodily injury of multiple people per accident.
- $15,000 for property damage liability per accident.
- $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage.
Other Factors Influencing Auto Insurance Rates in Overland Park, KS
Did you know that your ZIP code can impact your car insurance rates? In Overland Park, Kansas, the ZIP code 66085 is associated with the lowest average monthly car insurance cost of $346. Read our extensive guide on “Factors That Affect Auto Insurance Rates” for more knowledge.
Insurance providers also consider your driving habits, including how much you drive. According to Data USA, the average commute time for Overland Park residents is 19 minutes, which is six minutes shorter than the national average. While a shorter commute can contribute to lower insurance costs, the most effective way to reduce your premiums is by driving less overall.
Overland Park, Kansas Report Card: Auto Insurance Premiums
Category Grade Explanation
Average Claim Size B Claims are generally average compared to other cities in Kansas
Uninsured Drivers Rate B Slightly lower-than-average rate of uninsured drivers for the state
Vehicle Theft Rate B Lower-than-average vehicle theft rate compared to national levels
Traffic Density B Medium traffic density, with manageable congestion during peak hours
Weather-Related Risks B Moderate risk due to occasional severe storms, but generally favorable weather
Although the weather in Overland Park isn’t a major factor year-round, the city does experience floods, storms, and tornadoes. To ensure you’re covered for these potential risks, consider adding comprehensive insurance to your policy. This will provide added peace of mind and help protect you from unexpected out-of-pocket expenses.
Impact of Property Crime on Auto Insurance Rates in Overland Park, KS
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Overland Park, KS Auto Insurance: Key Takeaways
Before you buy auto insurance in Overland Park, KS, be sure you’ve checked out rates from the top auto insurance companies. Enter your ZIP code below to get fast, free car insurance quotes.
Frequently Asked Questions
What are the consequences of driving without insurance in Overland Park, Kansas?
Driving without insurance in Overland Park, Kansas, can lead to severe penalties, including fines, license suspension, and even vehicle impoundment. It is crucial to have the required insurance coverage to avoid these legal issues and financial burdens.
Is Overland Park, Kansas, a no-fault insurance state?
No, Overland Park, Kansas, is not a no-fault insurance state. Kansas operates under a comparative fault system, where fault is determined based on the specifics of the accident, and the responsible party’s insurance typically covers the damages.
Who pays the highest auto insurance rates in Overland Park, Kansas?
Typically, drivers who are younger, have a poor driving record, or have high-risk profiles pay the highest auto insurance rates in Overland Park, Kansas. Factors like age, driving history, and credit score significantly influence insurance costs.
Discover our comprehensive guide to “Is there a limit for auto insurance rate increases?” for additional insights.
What is the best insurance for a private car in Overland Park, Kansas?
The best insurance for a private car in Overland Park, Kansas, depends on individual needs and preferences. However, comprehensive and full coverage policies often provide the best protection for private vehicles.
What is the cheapest auto insurance for 25-year-olds in Overland Park, Kansas?
The cheapest auto insurance for 25-year-olds in Overland Park, Kansas, can be found by comparing quotes from various providers. Young drivers may benefit from discounts for safe driving and good credit.
Where can high-risk drivers find the cheapest car insurance in Overland Park, Kansas?
High-risk drivers in Overland Park, Kansas, should look for specialized insurance providers that offer competitive rates for their risk category. It’s essential to compare options and seek out discounts where available.
Get more insights by reading our expert “How to Evaluate Auto Insurance Quotes” advice.
How can drivers with a speeding ticket find the cheapest car insurance in Overland Park, Kansas?
Drivers with a speeding ticket in Overland Park, Kansas, can find cheaper car insurance by comparing rates from different insurers and looking for companies that offer forgiveness programs or discounts for maintaining a clean record moving forward.
Where can drivers with a recent accident find the cheapest car insurance in Overland Park, Kansas?
Drivers with a recent accident in Overland Park, Kansas, should explore insurance providers that specialize in high-risk coverage and compare quotes to find the most affordable options available.
What are the cheapest car insurance options for drivers with a DUI in Overland Park, Kansas?
Drivers with a DUI in Overland Park, Kansas, can find the cheapest car insurance by seeking out providers that cater to high-risk drivers and comparing various quotes to get the best rate despite their driving record.
For further details, check out our in-depth “Cheapest Liability-Only Auto Insurance” article.
How can drivers with poor credit find the cheapest car insurance in Overland Park, Kansas?
Drivers with poor credit in Overland Park, Kansas, should look for insurance companies that offer competitive rates for individuals with lower credit scores and explore available discounts to help lower their premiums.
What car insurance discounts are available in Overland Park, Kansas?
Car insurance discounts in Overland Park, Kansas, may include savings for safe driving, bundling policies, good credit, and low mileage. Exploring these options can help reduce overall insurance costs.
See if you’re getting the best deal on car insurance by entering your ZIP code below.
How does car insurance cost vary by age in Overland Park, Kansas?
Car insurance costs in Overland Park, Kansas, vary significantly by age, with younger drivers typically paying higher premiums due to their higher risk profiles. Rates generally decrease as drivers age and gain more experience.
Read our extensive guide on “Companies With the Cheapest Teen Auto Insurance” for more knowledge.
How does the cost of car insurance differ by city in Overland Park, Kansas?
The cost of car insurance by city in Overland Park, Kansas, can vary based on local factors such as crime rates, traffic conditions, and population density. Comparing rates in different cities can help identify more affordable options.
Does insurance follow the car or the driver in Overland Park, Kansas?
In Overland Park, Kansas, car insurance generally follows the vehicle rather than the driver. This means that the insurance policy is tied to the car, and coverage applies regardless of who is driving it, provided they are authorized.
How much does fully comprehensive insurance cost in Overland Park, Kansas?
The fully comprehensive insurance cost in Overland Park, Kansas, varies based on several factors, including the driver’s profile and the vehicle type. Generally, comprehensive coverage is more expensive than basic liability insurance due to its extensive protection.
For more information, explore our informative “Auto Insurance Coverage” page.
What is the most common car insurance type in Overland Park, Kansas?
The most common car insurance type in Overland Park, Kansas, is liability insurance, which is required by state law. Many drivers also opt for additional coverage like collision and comprehensive insurance for greater protection.
What is the best full coverage car insurance in Overland Park, Kansas?
The best full coverage car insurance in Overland Park, Kansas, provides a combination of liability, collision, and comprehensive coverage. Policies from reputable companies that offer robust protection and competitive rates are often considered the best.
Which companies are the top insurance providers in Overland Park, Kansas?
The top insurance companies in Overland Park, Kansas, include major providers known for their reliable service and comprehensive coverage options. Researching and comparing these companies can help find the best fit for your needs.
Read our extensive guide on “Compare Cheap Online Auto Insurance Quotes” for more knowledge.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.