Buy Cheap Overland Park, KS Auto Insurance
Overland Park, KS auto insurance costs $274 per month or $3,298 annually on average. USAA is the cheapest Overland Park, KS auto insurance company, followed by American Family. Legally, all Overland Park drivers must carry at least the Kansas minimum auto insurance limits of 25/50/25 in liability coverage, plus personal injury protection (PIP) and uninsured/underinsured motorist protection.
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UPDATED: Jul 15, 2021
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- The average cost of Overland Park, KS auto insurance is $274 per month or $3,298 annually
- USAA offers the cheapest average quotes in your city, followed by American Family
- Overland Park rates are cheaper than Topeka and Kansas City
Despite being the second-largest city in the state, Overland Park, KS auto insurance rates are more affordable than most other large cities in Kansas.
Keep reading to compare actual premiums from the top providers in Overland Park and learn how to secure the cheapest Kansas auto insurance.
When you’re ready, compare affordable Overland Park, KS auto insurance rates for free by entering your ZIP code into our quote tool above.
What is the cheapest auto insurance company in Overland Park, KS?
The cheapest Overland Park, KS auto insurance company is USAA. However, only military personnel and their families are eligible to use this provider.
American Family underwrites the next cheapest Overland Park, KS auto insurance quotes and is available to everyone.
Below, compare the average annual rates from the top providers in Overland Park:
- USAA – $2,053.99
- American Family – $2,117.76
- Nationwide – $2,528.84
- State Farm – $2,755.00
- GEICO – $2,920.86
- Farmers – $3,655.50
- Allstate – $3,747.62
- Progressive – $4,114.28
- Travelers – $4,339.08
- Liberty Mutual – $4,753.73
Each insurance company uses a different formula to calculate your coverage costs.
In Kansas, some providers even increase your rates after accidents that are not your fault.
To secure your best prices, compare quotes online from multiple companies.
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What auto insurance coverage is required in Overland Park, KS?
By law, all Overland Park residents must carry at least the Kansas minimum auto insurance limits to drive on the roads.
Currently, Kansas requires the following coverages:
- $25,000 per person and $50,000 per incident in bodily injury liability auto insurance
- $25,000 per incident in property damage liability auto insurance
- An additional $25,000 per person and $50,000 per incident in uninsured/underinsured motorist protection
- $4,500 in personal injury protection (PIP)
Kansas is a no-fault state. Your mandatory PIP insurance pays for medical bills or lost wages due to an accident, regardless of fault.
What affects auto insurance rates in Overland Park, KS?
Overland Park is the second-largest city in Kansas. However, a low auto-theft rate and little traffic congestion help keep the regional insurance costs down.
While no data exists specifically for Overland Park, INRIX ranks the nearby city of Kansas City, MO as the 86th most congested city in America.
According to City-Data, the average commute length for Overland Park residents is only 18 minutes.
However, frequently driving in heavy rush hour traffic causes your insurance rates to go up.
Keep this in mind if you’re an Overland Park resident commuting into Kansas City.
Fortunately, the Federal Bureau of Investigation (FBI) recorded only 274 vehicle thefts in your city in 2017.
That rate of 143 stolen cars per 100,000 residents is lower than the state average, which positively influences your insurance costs.
Overland Park, KS Auto Insurance: The Bottom Line
Despite being one of the largest cities in the state, Overland Park auto insurance rates are lower than Topeka and Kansas City.
By comparing quotes online and asking about auto insurance discounts, you’ll quickly find the cheapest rates in Overland Park.
You can easily buy Overland Park, KS auto insurance right now by entering your ZIP code into our free quote tool below.