Overland Park Car Insurance

How much does auto insurance cost in Overland Park?


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.


CAR INSURANCE: OVERLAND PARK RATES VS. STATE + NATIONAL AVERAGES
Overland Park Average (per year)Kansas AverageNational Average
$1,522$1,622$1,548

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Overland Park car insurance rates by insurer


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.


OVERLAND PARK AUTO INSURANCE RATES BY COMPANY
InsurerAverage 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 car insurance costs by age

Overland Park drivers in their age_50s enjoy relatively affordable auto insurance rates, paying just $1,280per year, on average. Those in their age_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.


OVERLAND PARK AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age tierAverage 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.



Overland Park auto insurance premiums by gender and marital status


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.


OVERLAND PARK CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage 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.



Overland Park car insurance costs by incident history


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.


OVERLAND PARK CAR INSURANCE RATES AFTER A COLLISION OR CITATION
CitationAverage 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.



Overland Park auto insurance costs by credit score


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.


OVERLAND PARK CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit ScoreAverage 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.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.