Olathe, KS Car Insurance

Olathe drivers pay, on average, around $63 a month for their car insurance. Check out our guide below to find out how much you'll pay.
What rates should residents of Olathe expect to pay for their car insurance? How does Olathe compare to the surrounding area and the rest of Kansas? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Olathe?

Area Average Monthly Car Insurance Premium
Olathe$63
KS$58
United States$80

As you can see, car insurance policies across the rest of Kansas are about $5 a month cheaper than the rates drivers pay in Olathe.

If you're thinking of moving to Olathe from out of state, you may still be in luck. It's about $17 cheaper than the national average to insure your vehicle in Olathe.

While these numbers represent the average monthly payments for coverage in Olathe, that doesn't mean it's what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down the average rate for Olathe residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$258
18-24$85
25-34$55
35-44$53
45-54Not Enough Data
55-64$49
65+$53

The more time you have behind the wheel, the more experienced of a driver you should be. It also makes sense that the more experienced of a driver you are, the safer you are. In this case, 18-24-year-olds pay $32 more than someone who is at retirement age.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Olathe drivers may see their rates creep back up a bit once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$66
Female$58

In general, female drivers pay less for car insurance than their male counterparts. In Olathe, the difference is around $8 per month. As you can see in the chart above, car insurance for women in the area typically costs around $58 each month, while men pay $66 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$72
Multiple Accidents$174
1 Ticket$71
Multiple TicketsNot Enough Data

Rates can change drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Olathe with a single accident will pay around $72 a month. In addition, drivers with one ticket can expect to pay around $71 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$60
2-3 Years$72
4-5 Years$76
6-7 Years$55
8-10 Years$66
11-14 Years$63
15 Years or Older$61

The cheapest vehicles to insure in Olathe are by and large trucks and vans, with each type typically costing about $52 per month.

Car owners can expect to pay an average of around $65 a month for their policy, while SUVs usually cost around $57 a month to insure.

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 a few years old, you may start to see your monthly premium drop back down. In Olathe, vehicles four-to-five years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$66
Married$53
Divorced$52
Widowed$54

More often than not, car insurance is slightly cheaper for married policyholders. 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 $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$62
Live with parents$97

Another factor taken into consideration is your housing situation. If you rent your home or apartment in Olathe, expect to pay around $10 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in Olathe, KS

Recent trends in car insurance for Olathe drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

In Olathe, the rates for auto insurance have been steadily increasing, reaching a high of $69 in 2021.

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 an insurance policy, car insurance companies will evaluate a variety of factors. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Local crime rates
  • Number of drivers in the region
  • Off-street parking access
  • Road Safety (how many accidents each locality has)
  • Laws

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

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.

Good news! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies that offer policies 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 address, driving record, credit score, and marital status.

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

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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.

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