Best Auto Insurance Rates in Overland Park

On average your neighbors pay $58 a month

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Compare Auto Insurance in Overland Park

Overland Park is the second largest city in Kansas, with almost 200,000 people. If you’re looking to compare car insurance quotes in Overland Park, KS, QuoteWizard can help. This page covers Overland Park’s driving laws, insurance rates, best insurance companies, and more.

Average Overland Park Insurance Rates

How much does car insurance cost in Overland Park, KS? Drivers here are better off than the rest of the country. Average car insurance in Kansas only costs $698.45 per year. The national average price is $889.01.

Your exact rate may vary based on your zip code, driving history, coverage levels, and more.

Kansas Average Annual Car Insurance Rates
Coverage Rates
Liability $358.24
Collision $263.33
Comprehensive $241.36
Total Cost Per Year $698.45
Price Per Month $58.20
Source: Facts + Statistics: Auto insurance

The graph below shows the average Kansas insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute shows Kansas car insurance increased from $626 in 2011 to $698 in 2015. This is a jump of $72 dollars, or 11.59 percent.

Kansas average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. QuoteWizard can help you find cheap car insurance rates near Overland Park, Kansas and save up to 40% on your rates.

Last year, 4,781 people used QuoteWizard to get an compare car insurance quotes in Overland Park, KS from multiple companies to get the cheapest rates.

Best Car Insurance Companies in Overland Park, KS

These are the most popular car insurers reported by QuoteWizard users in Overland Park, Kansas. Of them, 588 people were uninsured when they requested a quote.

Top 10 Vehicles in Overland Park

These are the most popular makes and models owned by Overland Park, KS QuoteWizard users last year.

  1. Toyota Camry/LE
  2. Honda Accord/EX/LX
  3. Ford F-150
  4. Honda Civic/EX
  5. Toyota Prius
  6. Ford Focus SE
  7. Toyota Corolla
  8. Chevrolet Impala
  9. Chevrolet Malibu LS
  10. Ford Escape
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Overland Park, KS

Overland Park, Kansas requires all its drivers to carry minimum liability coverage. The minimum is 25/50/10. This means your policy must include:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The most your insurance company will pay for property damage caused by a car accident.

Also, Kansas requires drivers to have the following injury protection coverage:

  • $2,000 for funeral expenses per person
  • $4,500 medical coverage per person
  • $4,500 rehabilitation costs per person
  • $900 per month for loss of income up to a year
  • $25 a day for at home medical service up to one year

Recommended Coverage Levels

Simply put, minimum coverage is not enough. While it’s great to save money with the lowest possible monthly rates, a minimum coverage policy will cost you more if you have an accident. Why? It only pays for damages you cause to other drivers. It doesn’t pay for any of your damages. And it’s easy to exceed those liability levels after an accident. That’s why we recommend the following coverage:

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Overland Park Drivers

Insurance is more expensive in areas with a history of accidents. How does Overland Park size up? A QuoteWizard study ranked state drivers from best to worst. According to our data, Kansas came in as 13th worst driving state.

Driving Conditions

Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be. 

Weather 

Overland Park in the winter can be dangerous when driving. Snow can reduce visibility and ice can affect your traction, both common causes for crashes. Overland Park gets 41 inches of rain per year on average. This is only two inches above the national average.

Road Conditions 

Overland Park has taken extensive steps to repair and upgrade their roadways and bridges. Poorly maintained roads put undue stress on cars, often resulting in extra upkeep costs for your car.

Traffic Congestion 

The Metcalf Corridor is a four-lane roadway that runs through the center of Overland Park. Current projections show traffic congestion will continue to rise over the next two decades

Moving Violations 

Citations and at-fault accidents can affect your driving record. Drivers with tickets and accidents on their record pay more for car insurance.

Traffic Tickets 

Overland Park Police issued 17,968 moving violations in 2017.

DUI and DWAI Arrests

A DUI can affect your insurance rates badly. In 2017 Overland Park Police made 681 DWI arrests.  Our data shows that drivers with a DUI spend an average of $830 more per year for auto insurance.

SR-22 DUI/DWAI Insurance

Kansas drivers with a suspended license due to DUI must file an SR-22 form. You are required to carry the SR-22 for 36 straight months. If you fail to renew your SR-22 15 days before expiration, the DMV is notified and your license is suspended.

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2016, Overland Park police reported 4,385 crashes.

Traffic Fatalities

Overland Park reported seven fatal crashes in 2016.

Vehicle Theft Rates

Drivers in high car theft areas pay more for car insurance. Overland Park Police reported and estimated 11 42 auto thefts in 2017.

Car Insurance Discounts in Overland Park

Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Overland Park drivers can use. Get a quote and find out what discounts you qualify for. 

Looking for ways to get a discount? Overland Park drivers have many options:

  1. If you’re 55 or over, see if a senior citizens discount is available
  2. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  3. Take a certified defensive driving course
  4. Make sure your car as up-to-date safety features and anti-theft devices
  5. Bundle your car insurance with your home or renters insurance, you can cut up to 20 percent off your total bill

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