Cheapest Car Insurance In Overland Park, KS 2025
Auto-Owners has the most budget-friendly minimum coverage in Overland Park, with an average monthly rate of $35.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the cheapest car insurance in Overland Park, KS isn’t always straightforward—costs can vary a lot.
If you’re looking for low-cost liability coverage, Auto-Owners is your best bet. American Family offers the most competitive full coverage rates, and Travelers is ideal for young drivers on a budget.
Cheapest Car Insurance Companies In Overland Park, KS 2025
Cheapest Liability-only Car Insurance In Overland Park: Auto-Owners
The lowest monthly cost for minimum car insurance in Overland Park comes from Auto-Owners at $35.
Compare insurance rates from different companies using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $35 | $420 |
| American Family | $45 | $540 |
| State Farm | $48 | $576 |
| Travelers | $43 | $516 |
| Progressive | $49 | $588 |
Cheapest Full Coverage Insurance Rates In Overland Park: American Family
The most affordable full coverage car insurance in Overland Park comes from American Family, at an average of $79 per month.
Check out the table below to see average quotes from affordable auto insurers in Overland Park.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $79 | $948 |
| Farmers | $107 | $1,284 |
| State Farm | $111 | $1,332 |
| Nationwide | $97 | $1,164 |
| GEICO | $96 | $1,152 |
Cheapest Car Insurance Rates For Seniors: American Family
American Family leads in affordable car insurance for seniors in Overland Park, with a monthly average of $58.
Check the table below for average prices from the lowest-cost auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $58 | $696 |
| Travelers | $65 | $780 |
| Iowa Farm Bureau | $70 | $840 |
| State Farm | $73 | $876 |
| Progressive | $77 | $924 |
Cheapest Rates In Overland Park For Teenagers: Nationwide
Nationwide leads with the lowest average monthly premiums of $95 for teens in Overland Park.
Check the table below to see which companies offer the lowest teen insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $95 | $1,140 |
| State Farm | $177 | $2,124 |
| Farmers | $194 | $2,328 |
| Auto-Owners | $224 | $2,688 |
| Allstate | $187 | $2,244 |
Cheapest Auto Insurance For Young Adults in Overland Park: Travelers
In Overland Park, Travelers offers the best rates for young adult drivers, averaging $72 per month.
Compare the cheapest car insurance rates for young adults in Overland Park using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $72 | $864 |
| Auto-Owners | $76 | $912 |
| Farmers | $100 | $1,200 |
| Nationwide | $103 | $1,236 |
| State Farm | $98 | $1,176 |
Cheapest Car Insurance In Overland Park For Good Drivers: Auto-Owners
If you’re a good driver in Overland Park, Auto-Owners has the lowest insurance prices at about $35 a month.
If you’re a safe driver, check the table below for average quotes from the lowest-cost insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $35 | $420 |
| American Family | $45 | $540 |
| State Farm | $48 | $576 |
| Travelers | $43 | $516 |
| Progressive | $49 | $588 |
Find affordable Overland Park rates
Cheapest Car Insurance In Overland Park After A Speeding Ticket: American Family
American Family stands out in Overland Park for its affordable prices, offering drivers with a speeding ticket average rates of $92 per month.
You can find average car insurance rates for drivers with speeding tickets in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $92 | $1,104 |
| State Farm | $125 | $1,500 |
| Travelers | $113 | $1,356 |
| Auto-Owners | $124 | $1,488 |
| GEICO | $115 | $1,380 |
Cheapest For Drivers With After At-Fault Accident: American Family
American Family offers budget-friendly rates for drivers at fault in an accident, with an average monthly premium of $78.
These are the most budget-friendly insurance providers for drivers with an at-fault accident history.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $78 | $936 |
| Auto-Owners Insurance Co | $96 | $1,152 |
| State Farm | $135 | $1,620 |
| Iowa Farm Bureau | $180 | $2,160 |
| Travelers | $117 | $1,404 |
Cheapest Rates In Overland Park For Drivers After A DUI: American Family
If you’ve had a DUI, State Farm offers the best insurance rates in American Family at an average of $94 per month.
The table below lists the most budget-friendly insurance rates for Overland Park drivers after a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $94 | $1,128 |
| State Farm | $124 | $1,488 |
| Farmers | $154 | $1,848 |
| Travelers | $130 | $1,560 |
| Progressive | $132 | $1,584 |
Best Car Insurance Companies In Overland Park
The most affordable insurance in Overland Park comes from Auto-Owners at $35 a month. Travelers and American Family are also low-cost options at $43 and $45.
Check out the list below to see which car insurance companies in Overland Park, KS, offer the lowest average monthly rates.
| Company | Monthly Premium |
| Auto-Owners | $35 |
| American Family | $45 |
| State Farm | $48 |
| Travelers | $43 |
| Progressive | $49 |
| Iowa Farm Bureau | $46 |
| Shelter | $55 |
| GEICO | $48 |
| Farmers Union Insurance | $52 |
Average Rates In Overland Park – By Age
Your age affects how much you pay for car insurance. Teen drivers, seen as high-risk because of inexperience, often pay about $4,107 per year.
Drivers usually get lower premiums after turning 25, assuming they’ve stayed accident-free.
Insurance companies often give their lowest rates to drivers in their 50s and early 60s, since age helps gauge experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $4,107 |
| 20s | $1,970 |
| 30s | $1,339 |
| 40s | $1,364 |
| 50s | $1,229 |
| 60s | $1,061 |
| 70s | $1,319 |
How Much Is Car Insurance In Other Cities in Kansas?
Where you live affects your insurance premiums since insurers check local risks such as accidents and theft, which are typically higher in urban areas.
Kansas City drivers can expect to pay around $198 a month for insurance, while in Salina, the average is closer to $105.
| City | Average Monthly Rate |
| Kansas City | $198 |
| Hutchinson | $172 |
| Salina | $105 |
| Lawrence | $161 |
| Olathe | $113 |
| Leawood | $168 |
| Manhattan | $160 |
| Lenexa | $163 |
| Mission | $174 |
| Liberal | $193 |
Average Rates In Overland Park – By Vehicle
The kind of vehicle you own affects your insurance price. New cars, especially luxury ones with advanced tech, tend to have higher premiums due to costly repairs.
Below is a table listing average insurance premiums in Overland Park for different types of vehicles.
| Vehicle | Average Monthly Rate |
| Hyundai Sonata | $160 |
| Hyundai Tucson | $240 |
| Ford Escape | $150 |
| Ford Escape | $100 |
| Toyota Camry | $97 |
Average Cost Of Auto Insurance In Overland Park – By Zip Code
Zip codes play a role in setting insurance rates since crime rates can change from one area to another.
Find average insurance premiums for Overland Park zip codes in the table below.
| City | Average Monthly Rate |
| 66204 | $127 |
| 66211 | $107 |
| 66223 | $114 |
| 66209 | $90 |
| 66213 | $130 |
Find affordable Overland Park rates
Our Methodology
By examining customer service, available products, pricing, and user reviews across several websites, I developed a detailed summary of car insurance options in Overland Park, KS.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Overland Park?
If you want the least expensive minimum coverage in Overland Park, Auto-Owners is the top choice. For full coverage, including comprehensive and collision, American Family offers the lowest rates.
What is the average cost of car insurance in Overland Park?
On average, car insurance in Overland Park runs about $130 a month, but your exact rate depends on your location, car type, and driving record.
