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What is the average cost of car insurance in Olathe?

 

Car insurance costs an average of $1,507 per year in Olathe, Kansas. That's cheaper than the statewide average in Kansas ($1,622) and less expensive than the national average of $1,548. Our guide to Olathe car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!

 
AUTO INSURANCE: OLATHE RATES VS. STATE + NATIONAL AVERAGES
Olathe Average (per year) Kansas Average National Average
$1,507 $1,622 $1,548
 
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Olathe auto insurance premiums by provider

 

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Olathe, Iowa Farm Bureau offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Olathe below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

 
OLATHE AUTO INSURANCE RATES BY COMPANY
Insurance Company Average Yearly Rate
Iowa Farm Bureau $1,021
State Farm $1,130
American Family $1,243
Progressive $1,486
Allstate $1,756
 

Consult our expert guide to finding the best cheap car insurance.

 
 

 

Olathe auto insurance premiums by age

The age group that pays the least for car insurance in Olathe are drivers in their 50s ($1,269 per year). Those in their 60s don't pay much more ($1,287).

The Olathe drivers who face the priciest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Olathe is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Olathe is $3,305, the largest such difference between any two age groups.

 
OLATHE CAR INSURANCE PREMIUMS BY DRIVER AGE
Age group Average Annual Rate
Teenagers $5,389
20s $2,084
30s $1,467
40s $1,402
50s $1,269
60s $1,287
70s $1,532
 

Learn more about the impact of age on car insurance premiums.

 
 

 

Olathe auto insurance rates by gender and marital status

 

Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers in Olathe pay $128 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Olathe, single drivers pay more than those who are widowed.

Gender is yet another factor that can affect auto insurance premiums. In Olathe, female drivers pay $31 per year more than do male drivers.

 
OLATHE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/Gender Average Annual Rate
Female $1,538
Male $1,507
Single $1,379
Married $1,379
Divorced $1,507
Widowed $1,465
 

Learn more about how gender and marital status have on insurance rates.

 
 

 

Olathe car insurance costs by driving history

 

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Olathe, a reckless driving citation results in an average insurance rate increase of $545 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $619 increase and a speeding ticket triggers a $271 rate hike.

 
AVERAGE OLATHE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/Incident Average Yearly Rate
DUI/DWI $2,126
Reckless Driving $2,052
At-fault Accident (damages less than $1,000) $1,856
At-fault Accident (damages greater than $2,000) $2,171
Speeding Ticket (16-20 mph over speed limit) $1,777
 

Learn more about how citations can raise your auto insurance rates.

 
 

 

Olathe auto insurance rates by credit tier

 

It's no secret credit score is closely correlated with car insurance rates. In fact, Olathe drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 53% decrease in their auto insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Olathe, improving your credit to "Fair" corresponds with a $958 decrease in annual car insurance rates.

 
OLATHE CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit Level Average Yearly Rate
Very Poor $2,733
Fair $1,775
Good $1,507
Very Good $1,387
Exceptional $1,273
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 
 

 

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.