Here you’ll learn everything you need to know to buy the best car insurance policy in Overland Park for your particular situation. You’ll see which carriers are rated as the best car insurance companies for customer satisfaction and what the average car insurance rates are for your neighborhood. You’ll also discover how much you can save from knowing how to make smart choices about coverage. And, find out how rates for Overland Park drivers are affected by tickets, accidents and adding teen drivers.

Who Has The Best Car Insurance in Overland Park, KS?

Deciding who has the best car insurance to suit your needs depends on what is most important to you. For some it may be price, while others may value customer service the most. Still others may be looking for the convenience of mobile apps, or a company that offers the most car insurance discounts. Below we list car insurance companies in Overland Park, and who they are the best at serving, based on’s customer satisfaction survey of current policy holders and rate data analysis.

Best forCompany
Customer ServiceTravelers
Websites/AppsThe General
Low Annual MileageState Farm Mutual Auto
Good StudentAllied NW Affin PPBM
BundleFarmers Ins Co
Paid in FullAllstate F&C

Cheap Car Insurance in Overland Park, Kansas

Geico Gen Ins Co and Progressive Northwestern Ins C have the cheapest car insurance rates in Overland Park, based on our rate analysis for three different coverage levels. The driver profile is for age 30, with good credit and a clean driving record. You can see how major insurers rank for price in the chart below

CompanyLiability Only - State Minimum BI/PDLiability Only - 50/100/50 BI/PDFull Coverage - 100/300/100 BI/PD - 500 Comp/Coll
Geico Gen Ins Co$291$324$1,131
Progressive Northwestern Ins Co$387$441$1,406
State Farm Mut Auto Ins Co$438$498$1,312
Allstate Fire & Cas Ins Co$703$752$2,014
Farmers Ins Co Inc$742$803$1,989
Nationwide Mut Ins Co$751$687$1,356

Car Insurance Coverage – How Much Car Insurance do I Need in Overland Park?

Below we’ll explain what coverage you need to drive legally, which is your state required minimum liability limits, and what types of car insurance you may need to be truly protected.

Minimum Car Insurance Requirements in Overland Park

Kansas car insurance laws require only that you insure yourself against bodily injury and property damage liability, so it’s your choice whether to add coverage for yourself, your passengers, and your vehicle.

If you have a newer model car, it makes sense to get comprehensive insurance and collision coverage. In Kansas, comprehensive costs $299 and collision costs $567 , on an average per year, according to a rate data analysis done by These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles amounts are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.

The best car insurance coverage usually isn’t the cheapest. You may be used if you’re in an accident and your insurance doesn’t cover all of the damages. That means your home or savings could be in jeopardy. To protect your assets, you should buy liability insurance in the following amounts:

  • $1,00,000 to pay for others’ medical bills
  • $3,00,000 to pay for injuries to others in an accident you cause
  • $1,00,000 to pay for damage to others’ property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
  • Collision, which pays for damage to your car from accidents.

The average rate for Overland Park drivers for a year of minimum coverage is $566 according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just about $2.75 more a month, or $33 more a year. You can get full coverage (100/300/100) by paying $79.75 more a month, or an additional $957 a year more than minimum-level coverage.

Overland Park average for:

  • Minimum coverage: $566
  • 50/100/50: $599
  • 100/300/100: $1,523

How Much is Car Insurance Near You in Overland Park?

Many factors go into calculating car insurance rates, but a driver's location is typically used to kick off the process. That's not the case in Overland Park, where Kansas car insurance companies determine what you pay primarily based on how long you've been driving, how much you drive and your driving history. Still, location does come into play after those factors are considered, as ZIP codes are judged to have different risk levels based on the number and severity of car insurance claims within the area.

Average Car Insurance Rates in Overland Park analyzed car insurance rates from six car insurance companies for nearly every ZIP code in Kansas. Here's how Overland Park's highest average rate $1,539 for ZIP 66207 compares to others, for a full coverage policy of 100/300/100 for a driver age 30:

  • $34 more than the least expensive average rate $1,505 in ZIP code 66213
  • $416 more than the state average $1,669
  • $322 more than the national average rate $1,763

Compare Car Insurance Quotes in Overland Park – How to Save on Insurance Policy?

You can save an average of $562 annually on a full coverage policy in Overland Park by comparing car insurance quotes, according to's rate analysis. While savings will depend on your particular circumstances, this shows that there is a significant benefit to shopping your policy.

Why Does Comparing Car Insurance Quotes Save Money?

No two insurance companies will charge the same amount of money for the same policy. So if you compare car insurance quotes and opt for the lowest, you won’t over pay. For example, the highest rate from any carrier surveyed for ZIP code 66207 , the priciest ZIP code Overland Park car insurance, was $2,085 . The lowest was $947 . The difference is $1,138 , which is how much you could overpay. That’s why car insurance comparisons are paramount to finding the best cheap car insurance for your situation.

Overland Park Car Insurance FAQ’s

How much does insurance go up after a speeding ticket in Overland Park?

A speeding ticket in Overland Park will hike your car insurance rates by an average of 19% , or about $260.00 yearly.’s rate analysis shows how much more drivers in Overland Park can expect to pay, on average, for speeding and other common violations. Minor traffic violations, such as speeding, typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date. More severe infractions, such as DUI, typically stay on your record much longer.

Overland Park drivers can expect to see a hike in their rates in the range of 28% for minor moving violations such as tailgating or blowing through a stop sign, 80% for more severe infractions such as DUI. Below you’ll see how much rates increase, on average, for common traffic violations. Remember, though, that because insurance companies assess risk differently, you can still save by comparison shopping, because one carrier may ding you a lot for a citation, while another may spike your rate by much less.

ViolationAverage rateRate after violation$ Increase% Increase
DUI/DWI third offense$1,270$4,122$2,852225%
DUI/DWI second offense$1,270$3,025$1,755138%
DUI/DWI first offense$1,270$2,064$79462%
Reckless driving$1,270$1,853$58346%
Operating a vehicle in a race (highway racing)$1,270$1,853$58346%
2 speeding tickets 11 mph or over$1,270$1,717$44735%
Improper/illegal pass$1,270$1,509$23919%
Improper turn$1,270$1,509$23919%
Failure to yield$1,270$1,509$23919%
Failure to stop$1,270$1,509$23919%
Following too closely$1,270$1,464$19315%
Distracted driving ticket$1,270$1,456$18515%
Careless driving$1,270$1,456$18515%
Texting ticket$1,270$1,445$17514%
Talking on cellphone ticket$1,270$1,445$17514%
Driving without insurance$1,270$1,421$15112%
Driving without a license or permit$1,270$1,421$15112%
Seatbelt infraction$1,270$1,335$655%

In Overland Park, adding a 16-year-old daughter to your policy will hike your rates by $1,521 annually, or 116% It's more for boys. Insuring your 16-year-old son will increase your yearly rate by $1,939 , or 151% according to rate data. Teen drivers are inexperienced, and are involved in more accidents than older drivers, according to federal research, and insurance companies categorize them as high-risk drivers, so they cost more to insure. If you're insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our “Parents guide to insuring a teen driver." data show that for drivers in Overland Park, your rate will go up by an average of $445 or 37%. If you're convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf. An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase.