Cheapest Car Insurance In Overland Park, KS 2025
Clearcover is the most affordable choice in Overland Park, offering an average rate of $80 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When exploring the cheapest car insurance in Overland Park, KS, options can vary significantly.
For liability-only coverage, Clearcover is the clear leader. Drivers seeking full coverage will also find that Clearcover provides the best rates, while USAA offers the lowest premiums for young drivers.
Cheapest Car Insurance Companies In Overland Park, KS 2025
Cheapest Liability-only Car Insurance In Overland Park: State Farm
State Farm provides Overland Park drivers with the cheapest minimum coverage car insurance, costing about $60 per month.
The table below outlines insurance rates from multiple providers for easy comparison.
| Provider | Average Monthly Cost | Average Annual Cost |
| Gainsco | $105 | $1,260 |
| Progressive | $120 | $1,440 |
| Nationwide | $140 | $1,680 |
| Clearcover | $80 | $960 |
| Safeco | $115 | $1,380 |
Cheapest Full Coverage Insurance Rates In Overland Park: Travelers
The cheapest full coverage car insurance in Overland Park comes from Travelers, with an average quote of $117 per month.
Find a comparison of average car insurance rates from affordable companies in Overland Park in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $130 | $1,560 |
| Travelers | $100 | $1,200 |
| Clearcover | $150 | $1,800 |
| Nationwide | $120 | $1,440 |
| Allstate | $220 | $2,640 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
At just $116 per month on average, Direct Auto provides the cheapest auto insurance for seniors in Overland Park.
The table below showcases estimated auto insurance quotes from the most affordable companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $100 | $1,200 |
| USAA | $65 | $780 |
| Farm Bureau Mutual (IA Group) | $110 | $1,320 |
| State Farm | $95 | $1,140 |
| Allied | $105 | $1,260 |
Cheapest Rates In Overland Park For Teenagers: State Farm
At $296 per month on average, State Farm offers the lowest-priced car insurance for teen drivers in Overland Park.
The table below compares the companies that provide the cheapest insurance rates for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allied | $270 | $3,240 |
| USAA | $175 | $2,100 |
| American Family | $327 | $3,921 |
| Dairyland | $100 | $1,200 |
| State Farm | $205 | $2,460 |
Cheapest Auto Insurance For Young Adults in Overland Park: Liberty Mutual
For young adults in Overland Park, Liberty Mutual has the best-priced auto insurance, averaging $130 per month.
The table below provides a breakdown of the most cost-effective auto insurance options for young adults in Overland Park.
| Provider | Average Monthly Cost | Average Annual Cost |
| Dairyland Auto 1 Month | $160 | $1,920 |
| National Farmers Union P&C | $100 | $1,200 |
| Safeco | $140 | $1,680 |
| USAA | $95 | $1,140 |
| State Farm | $110 | $1,320 |
Cheapest Car Insurance In Overland Park For Good Drivers: State Farm
State Farm has the lowest-priced car insurance for good drivers in Overland Park, with monthly premiums around $60.
The table below lists average car insurance rates from top budget-friendly companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $60 | $720 |
| Farmers | $112 | $1,344 |
| Travelers | $64 | $768 |
| Progressive | $129 | $1,548 |
| Allstate | $188 | $2,256 |
Find affordable Overland Park rates
Cheapest Car Insurance In Overland Park After A Speeding Ticket: Travelers
Among Overland Park insurers, Travelers offers some of the most competitive rates, charging around $214 per month for drivers with a speeding ticket.
If you’ve been cited for speeding, the table below shows the average insurance costs you can expect.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance Co | $120 | $1,440 |
| Nationwide | $105 | $1,260 |
| Travelers | $115 | $1,380 |
| American Family | $90 | $1,080 |
| GEICO | $110 | $1,320 |
Cheapest For Drivers With After At-Fault Accident: State Farm
With an average monthly rate of $194, State Farm is the most cost-effective insurer for drivers with an at-fault accident.
Here are the most affordable insurance options for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $140 | $1,680 |
| Auto-Owners Insurance Co | $90 | $1,080 |
| State Farm | $135 | $1,620 |
| American Family | $75 | $900 |
| Travelers | $120 | $1,440 |
Cheapest Rates In Overland Park For Drivers After A DUI: Travelers
Overland Park drivers with a DUI can secure the lowest insurance rates from Travelers, with an average monthly cost of $280.
If you’re a driver in Overland Park with a DUI, use the table below to find the most cost-effective insurance options.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $130 | $1,560 |
| State Farm | $120 | $1,440 |
| Farmers | $140 | $1,680 |
| American Family | $90 | $1,080 |
| Progressive | $125 | $1,500 |
Best Car Insurance Companies In Overland Park
Here are the top 10 car insurance companies in Overland Park, KS, ranked by their average monthly rates:
| Company | Monthly Premium |
| State Farm | $105 |
| Safeco | $160 |
| USAA | $78 |
| Auto-Owners Insurance Co | $140 |
| Dairyland Auto 1 Month | $100 |
| Nationwide | $140 |
| National Farmers Union P&C | $109 |
| American Family | $134 |
| Allied | $129 |
| Farm Bureau Mutual (IA Group) | $137 |
Average Rates In Overland Park – By Age
| Age | Average Yearly Rate |
| Teenagers | $4,140 |
| 20s | $1,860 |
| 30s | $1,320 |
| 40s | $1,380 |
| 50s | $1,200 |
| 60s | $1,080 |
| 70s | $1,140 |
How Much Is Car Insurance In Other Cities in Kansas?
| City | Average Monthly Rate |
| Lawrence | $126 |
| Salina | $100 |
| Topeka | $107 |
| Liberal | $164 |
| Mission | $107 |
| Manhattan | $133 |
| Wichita | $136 |
| Shawnee | $123 |
| Kansas City | $152 |
| Olathe | $124 |
Average Rates In Overland Park – By Vehicle
| Vehicle | Average Monthly Rate |
| 2023 Hyundai Sonata | $160 |
| 2016 Hyundai Tucson | $240 |
| 2006 Ford Escape | $150 |
| 2014 Ford Escape | $100 |
| 2015 Toyota Camry | $90 |
Average Cost Of Auto Insurance In Overland Park – By Zip Code
| City | Average Monthly Rate |
| 66204 | $127 |
| 66211 | $107 |
| 66223 | $114 |
| 66209 | $90 |
| 66213 | $130 |
Find affordable Overland Park rates
Our Methodology
Based on a detailed analysis of customer service ratings, product options, pricing, and insights from online reviews and user experiences, I've developed a comprehensive overview of car insurance providers in Overland Park, KS.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Overland Park?
In Overland Park, Clearcover offers the lowest rates for the minimum coverage required by Kansas, while Travelers provides the most affordable rates for full coverage, including comprehensive and collision coverage.
What is the average cost of car insurance in Overland Park?
In Overland Park, the average cost of car insurance is approximately $126 per month. Rates can vary depending on factors such as your zip code, the year and model of your car, and your driving record.
