Olathe, KS Car Insurance

Residents of Olathe pay, on average, about $64 per month for car insurance. Read our guide below to learn more about your specific rates.
What rates can residents of Olathe expect to pay for their car insurance? How does Olathe compare to the surrounding area and the rest of Kansas? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Olathe?

Area Average Monthly Car Insurance Premium
Olathe$64
KS$57
United States$81

As you can tell from the chart above, the cost of coverage in Olathe is about $7 a month more expensive than the rest of Kansas.

Compared to the national average cost of auto insurance coverage, Olathe has lower rates. The average monthly payment for the United States as a whole is about $17 more expensive than in Olathe.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.

We've done the heavy lifting for you and broken down the average rate for Olathe so that you can get a more accurate idea of what your policy will cost you. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$258
18-24$93
25-34$54
35-44$53
45-54Not Enough Data
55-64$49
65+$52

It would make sense that older drivers have more driving experience, right? That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay $41 more than drivers 65 and older.

Every ten years or so you can expect to see a decline in your monthly premium. Olathe drivers may see their rates climb back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$67
Female$60

On average, female drivers pay slightly less than male drivers for car insurance. In Olathe, the difference is around $7 per month. As illustrated in the table above, male drivers in the area pay about $67 on average, while female drivers pay around $60 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$76
Multiple Accidents$174
1 Ticket$91
Multiple Tickets$74

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. In Olathe, a driving record with a single accident will usually get you a rate around $76 a month. Similarly, drivers with one ticket will typically pay around $91 on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$60
2-3 Years$61
4-5 Years$79
6-7 Years$54
8-10 Years$63
11-14 Years$67
15 Years or Older$62

If you look at the first table above, the cheapest vehicles to insure in Olathe are usually trucks and vans, at $53 per month.

SUV drivers will see rates of about $57 for auto insurance coverage, while car owners by and large pay around $67 a month.

You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium decrease. In Olathe, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$66
Married$55
Divorced$53
Widowed$49

More often than not, married policyholders will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Olathe is no exception, with the difference totaling to around $11 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$55
Rent$65
Live with parents$79

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Olathe, expect to pay around $10 a month more than if you are a homeowner. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Olathe, KS

Recent trends in car insurance for Olathe drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Olathe, the rates for car insurance have been steadily increasing, reaching a high of $69 in 2022.

How does Olathe compare to neighboring areas?

Why are car insurance rates in Olathe different from other areas?

When considering how much to charge for coverage, car insurance companies will review several factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:

  • Availability of off-street parking
  • Community regulations
  • Area crime rates
  • Number of drivers in the community
  • Frequency of car accidents

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Olathe?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies providing plans in Olathe.

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Olathe Insurance FAQs

What factors affect car insurance quotes in Olathe?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Olathe different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Olathe?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Olathe?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Olathe or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes