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How much is car insurance in Overland Park?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies in Overland Park are about $11 a month more expensive than the rest of Kansas.
Compared to the rest of the country, auto insurance in Overland Park is more affordable. On average, it's about $13 less to insure your vehicle in Overland Park than it is in the rest of the United States.
Bear in mind that while these are the average car insurance rates for Overland Park, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've broken down average rates for Overland Park to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may creep back up a bit in Overland Park.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Overland Park, where women pay around $8 less per month. Based on the chart above, you can see that female drivers pay around $64 on average, while male drivers typically pay $72 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Overland Park with a single accident will pay around $102 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $87.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$73|
The cheapest vehicles to insure in Overland Park are typically SUVs, with each type typically costing about $60 per month.
Car owners can expect to pay an average of around $72 a month for their policy, while truck and van drivers are usually around $64 to insure each month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Newer vehicles are generally 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 Overland Park, vehicles fifteen years and older are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Overall, married policyholders will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in Overland Park.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$107|
Another factor that comes into play is your living accommodations. Those who own their own home in Overland Park can expect to pay around $3 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Overland Park, KS
Recent trends in car insurance for Overland Park drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The cost of auto insurance coverage in Overland Park had been increasing from 2017-2018, where it hit a high of $85, before steadying out in 2019. Insurance rates rose again in 2020, and finished down at $63 in 2022.
How does Overland Park compare to neighboring areas?
Why are car insurance rates in Overland Park different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. Where you live will also have a significant impact on your personal policy. This may include things like:
- Road Safety (total number of local car accidents)
- Total number of drivers in the region
- Access to off-street parking
- Local regulations
- Crime rates
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Overland Park?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Overland Park in no time.
Overland Park Insurance FAQs
What factors affect car insurance quotes in Overland Park?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Overland Park different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Overland Park?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Overland Park?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Overland Park or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.