Overland Park Car Insurance

The Zebra
May 30, 2018

Car Insurance in Overland Park

Premiums in Overland Park are known for being low-cost. They generally fall below the state average by $80. Who doesn't like to save money? Check out some ways to save on car insurance in Overland Park.

  • City Average: $1,347
  • State Average: $1,427
  • National Average: $1,427

Overland Park Car Insurance by Accident or Violation History

Do you have a history of accidents or violations? That can cost you in terms of premiums. Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Overland Park need to spend 35% more than the city average to insure their vehicle. Reckless driving will also push your rates up, with average rates of $1,984. Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. Expect your annual car insurance premiums to rise by $540 if you are found at-fault in an accident in Overland Park.

  • DUI: $1,814
  • Reckless Driving: $1,984
  • At-fault Accident (damages less than $1000): $1,887
  • At-fault Accident (damages greater than $2000): $1,887
  • Speeding Ticket (16-20 mph over speed limit): $1,636

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Overland Park Car Insurance by Age

When drivers hit their 20s in Overland Park, therefore moving out of the teenage age range, they reduce their premiums by $3,176, the biggest difference between any age group. When drivers turn 60, they will experience a premium increase related to their age for the first time. Car insurance premiums are highest for teenage drivers, with average rates of $5,038 per year. At $1,135, drivers in their 50s have the lowest insurance payments among any age group. However, people in their 60s ($1,157) have premiums that aren't much higher.

  • Teenagers: $5,038
  • 20s: $1,862
  • 30s: $1,310
  • 40s: $1,248
  • 50s: $1,135
  • 60s: $1,157
  • 70s: $1,398

Overland Park Car Insurance by Credit Rating

For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are $1,301 more per year. Moving from Fair (580-669) to Good (670-739) offers drivers the greatest percent reduction in premiums, as they save an average of 18% per year.

  • Very Poor: $2,481
  • Fair: $2,072
  • Good: $1,703
  • Very Good: $1,417
  • Exceptional: $1,180

Overland Park Car Insurance by Gender and Marital Status

In Overland Park, both gender and marital status have an effect on your car insurance premiums. Males have premiums that are roughly 2% cheaper than those for females. Believe it or not, marital status has a substantial impact on premiums. You spend $126 more per year if you're single or divorced as opposed to married. Rates for those who are widowed are somewhat cheaper than rates for those who are single.

  • Female: $1,369
  • Male: $1,347
  • Single: $1,347
  • Married: $1,221
  • Divorced: $1,347
  • Widowed: $1,307