Table of contents
How much is car insurance in Overland Park?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Overland Park is about $10 a month more expensive than the rest of Kansas.
That being said, when compared to the national average, the cost for auto insurance in Overland Park is lower. It's about $12 cheaper to insure your vehicle in Overland Park compared to the average rate for the U.S. as a whole.
Bear in mind that while these rates are the average costs for drivers in Overland Park, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've analyzed the average rate for Overland Park and broken down the different factors to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
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. According to the table above, you can see that 18-24-year-olds pay $26 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. Once you hit retirement, however, you may see your rates start to rise again in Overland Park.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Overland Park, the difference is around $14 a month. As you can see in the chart above, car insurance for women in the area typically costs around $61 each month, while men pay $75 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Overland Park, drivers with one accident on their record will experience rates around $94 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $119.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$90|
|15 Years or Older||$73|
According to the first table above, the cheapest vehicles to insure in Overland Park are by and large SUVs, at $63 per month.
Truck and van drivers will see rates of about $64 for car insurance, while car owners typically pay around $70 per month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is about 5 years old you may start to see your rates drop back down a bit. In Overland Park, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
More often than not, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Overland Park, with married couples paying about $4 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$103|
Your housing status is another component of how insurance companies calculate your monthly rate. In Overland Park, homeowners can expect to pay around $3 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
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.
In Overland Park, auto insurance rates had been decreasing from 2016-2017, but began to increase in 2020. This trend has continued through 2021 when rates have most recently reached $71 a month.
How does Overland Park compare to neighboring areas?
Why are car insurance rates in Overland Park different from other areas?
Car insurance companies take in a lot of factors when choosing how much individual insurance policies will cost. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Road Safety (total number of local car accidents)
- Local crime rates
- Regional regulations
- Number of drivers
- Amount of off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Overland Park?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies offering coverage in Overland Park.
Overland Park Insurance FAQs
What factors affect car insurance quotes in Overland Park?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Overland Park different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
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?
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?
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.