Explore average premiums in Overland Park and expert tips on how to find affordable auto insurance.
The average cost of car insurance in Overland Park, Kansas, is $1,522 each year. That's cheaper than the statewide average in Kansas ($1,622) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Overland Park.
| Overland Park Average (per year) | Kansas Average | National Average |
| $1,522 | $1,622 | $1,548 |
One of the most important determinants of your car insurance rates is the insurance company you work with. In Overland Park, Iowa Farm Bureau offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Overland Park below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
| Insurer | Average Yearly Rate |
| Iowa Farm Bureau | $1,036 |
| State Farm | $1,139 |
| American Family | $1,247 |
| Progressive | $1,528 |
| Allstate | $1,758 |
Consult our expert guide to finding the best cheap car insurance.
Overland Park drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,280 per year, on average. Those in their 60s don't pay much more ($1,299).
Teen drivers pay Overland Park's most expensive auto insurance rates. When drivers hit their 20s in Overland Park and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Overland Park is $3,358, the largest such difference between any two age groups.
| Age tier | Average Annual Rate |
| Teenagers | $5,464 |
| 20s | $2,107 |
| 30s | $1,481 |
| 40s | $1,415 |
| 50s | $1,280 |
| 60s | $1,299 |
| 70s | $1,549 |
Learn more about the impact of age on car insurance premiums.
Marital status and gender are contributing factors to car insurance rates in many cases. In Overland Park, married drivers pay $132 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Overland Park, insurance rates for those who are widowed are less expensive than rates for those who are single.
Another component of auto insurance pricing is gender. In Overland Park, female drivers pay $30 per year more than do male drivers for car insurance.
| Marital Status/Gender | Average Annual Rate |
| Female | $1,552 |
| Male | $1,522 |
| Single | $1,390 |
| Married | $1,390 |
| Divorced | $1,522 |
| Widowed | $1,480 |
Read more about the relationships between gender, marital status and insurance rates.
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most costly citations to receive are DUI and reckless driving. Overland Park drivers found guilty of reckless driving face insurance rate increases of $552 per year, compared to the citywide average. A DUI violation may lead to a $625 increase, while a citation for speeding leads to a $274 rate hike.
| Citation | Average Yearly Rate |
| DWI/DUI | $2,147 |
| Reckless Driving | $2,074 |
| At-fault Accident (damages less than $1,000) | $1,878 |
| At-fault Accident (damages > $2,000) | $2,196 |
| Speeding Ticket (16-20 mph over speed limit) | $1,796 |
Learn more about how citations can raise your auto insurance rates.
In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Overland Park drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 53% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Overland Park, improving your credit to "Fair" could help you earn $968 in savings on insurance premiums each year.
| Credit Score | Average Annual Rate |
| Very Poor | $2,762 |
| Fair | $1,794 |
| Good | $1,522 |
| Very Good | $1,400 |
| Exceptional | $1,284 |
Curious about how your credit score might impact your auto insurance rates? Click here to learn more.
