Olathe Car Insurance

The Zebra
May 30, 2018

Car Insurance in Olathe

It is common knowledge that Olathe has low-cost premiums, as its mean premium sits under the state average by $94. Going over some ways to save on Olathe car insurance can save you money.

  • City Average: $1,333
  • State Average: $1,427
  • National Average: $1,427

Olathe Car Insurance by Age

Teenage drivers have the largest premiums amongst all the age groups. They pay around $4,967 per year on car insurance premiums. In Olathe, when drivers reach their 20s, therefore moving out of the teenage age range, they pay 63% less in premiums, which is the biggest gap you'll see between any age group. Insurance rates for drivers continue to shrink through their 50s, but they can expect a change when they hit 60. Among all age groups, drivers in their 50s have the lowest car insurance rates, with rates of $1,124/year. People in their 60s ($1,145) aren’t paying significantly more.

  • Teenagers: $4,967
  • 20s: $1,840
  • 30s: $1,296
  • 40s: $1,236
  • 50s: $1,124
  • 60s: $1,145
  • 70s: $1,382

Olathe Car Insurance by Credit Rating

Improving your credit can save you a good chunk of money. Those in the bottom credit tier (300-579) normally pay more than twice as much on premiums than those in the top credit tier (800-850). Drivers will see the greatest percent decrease in premiums when they raise their credit from Fair (580-669) to Good (670-739). That change can save them 18% per year.

  • Very Poor: $2,453
  • Fair: $2,049
  • Good: $1,684
  • Very Good: $1,402
  • Exceptional: $1,168

Olathe Car Insurance by Accident or Violation History

Being knowledgable about which driving mishaps can balloon the cost of rates will help you make better decisions and save money. Reckless driving will increase your car insurance premiums more than other driving violations. $459 is the extra cost per year for drivers with a DUI in Olathe, compared to the city average of $1,333. Reckless driving will bump your rates up as well, with average rates of $1,959. You can expect your yearly car insurance premiums to increase by 40% if you are found at-fault in an accident in Olathe.

  • DUI: $1,792
  • Reckless Driving: $1,959
  • At-fault Accident (damages less than $1000): $1,865
  • At-fault Accident (damages greater than $2000): $1,865
  • Speeding Ticket (16-20 mph over speed limit): $1,617

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Olathe Car Insurance by Gender and Marital Status

Both marital status and gender are among the numerous driver traits that affect car insurance premiums in Olathe. Did you know that in your city marital status can actually change your premiums substantially? Being single, as opposed to married, can cost you an average of $123 more per year. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Premiums for men tend to be 2% cheaper than for women.

  • Female: $1,355
  • Male: $1,333
  • Single: $1,333
  • Married: $1,210
  • Divorced: $1,333
  • Widowed: $1,293