Overland Park Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Kansas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Overland Park typically pay around $123.60 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Overland Park, KS Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Overland Park coming in around $79.88 per month. Other companies to consider if you live in Overland Park is Dairyland Auto 1 Month with an average cost of $92.24 per month and State Farm which typically runs around $100.05 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Overland Park.

How Much is Car Insurance in Overland Park, KS?

Rates can vary from city to city. The residents of Topeka typically pay $109.60 per month while people who live in Mission will pay $106.85 per month on average. See what people pay for car insurance in other cities in Kansas.

Cheap Car Insurance in Overland Park by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Kansas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Overland Park

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $87.59 per month in Overland Park. Compare that to drivers in their 30’s who typically pay around $105.61 per month drivers in their 40s at $96.91 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Overland Park

If you are teen in Overland Park you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Dairyland Auto 1 Month typically charges around $101.04 per month. This is likely the most affordable option in Overland Park. You might also want to consider USAA and State Farm who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Overland Park

20 year-olds in Overland Park might want to consider USAA who, on average, offers car insurance rates around $98.37 per month. National Farmers Union P&C , State Farm , Safeco and Dairyland Auto 1 Month are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Overland Park

If you are in your 30s in Overland Park our research has found that Dairyland Auto 1 Month typically has the most affordable coverage coming in around $32.32 per month, followed by USAA at $65.33 and State Farm at $89.48.

Cheapest Insurance for 40 Year-olds in Overland Park

On average, Dairyland Auto 1 Month offers car insurance for 40 year-olds in Overland Park for around $44.35 per month. If you are looking for affordable coverage, you may also want to consider USAA or State Farm. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Overland Park

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Overland Park we found that USAA generally offers the most affordable coverage at $71.75 per month.

Cheapest Insurance for 60 Year-olds in Overland Park

If you live in Overland Park and you’re in your 60s, our data indicates that USAA usually has the best rates at $61.31 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Overland Park, KS

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Overland Park, the average monthly rate for a driver who is currently insured is $127.27 while drivers who are not currently covered will pay around $121.51.

Compare Recent Car Insurance Quotes in Overland Park

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Overland Park a driver of a 2009 Kia Spectra can expect to pay around $63.55 per month while someone that owns a 2019 Mazda CX-5 may pay around $119.28 per month. Check out the list of recent quotes in Overland Park below.

FAQ's for Drivers in Overland Park, KS

What Is the Minimum Liability Coverage Requirement in Overland Park, KS?

Under Kansas state law, motorists have to carry at least $25,000 bodily injury coverage per person and $50,000 per accident, along with a minimum of $25,000 property damage coverage per accident. Also, uninsured/underinsured motorist coverage in the minimum amounts of $25,000 bodily injury coverage per person and $50,000 per accident is also mandatory.

There’s one other type of auto insurance coverage you’re required to carry in Kansas. It’s called personal injury protection (PIP), and you need at least $4,500 per person to cover medical expenses no matter who’s at fault for the accident.

•  $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
•  $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
•  $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Lots of people choose to stick to the lowest level of coverage required by state law. But while it keeps the monthly premium down a little, those savings are easily wiped out by one accident that isn’t fully covered by the minimum protections. Taking on optional coverages is a smart way to protect your financial well-being. Read on for more about this topic.

What Is the Blood Alcohol Concentration (BAC) limit in Overland Park, KS?

It’s illegal to drive in Kansas at the following BAC percentages:

• .08%+ at 21 years old or older
• .04%+ for commercial vehicle drivers
• .02%+ at under 21 years old

In Kansas, you face harsher DUI penalties if you’re not of the legal drinking age or if your BAC registers at 0.15% or higher.

What are the consequences of being convicted of a DUI?

Various factors affect the penalties that follow a DUI conviction in Kansas. For example, if you cause an accident, if this isn’t your first DUI conviction, or if you have a child under 14 in the car during your infraction, the consequences become even more serious.

Here’s what you can expect with a first conviction with no other circumstances calling for increased penalties: either 48 hours of imprisonment or 100 hours of community service, compulsory completion of a drug and alcohol safety education course and/or treatment program, fines ranging from $500 to $1,000, additional administrative fees, and mandatory installation of an ignition interlock device.

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