Cheapest car insurance companies in Overland Park 

After an in-depth analysis, Insurance.com found that Nationwide and Geico are the cheapest car insurance companies in Overland Park for 2023. 

The car insurance company in Overland Park that provides the cheapest car insurance premiums is Nationwide, with an average annual rate of $1,122 .

Car insurance costs may vary in Overland Park based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Overland Park.

CompaniesAverage annual rates
USAA$978
Nationwide$1,122
Geico$1,336
Travelers$1,470
Progressive$1,710
State Farm$1,789
Farmers$1,909
Iowa Farm Bureau$1,983
Shelter Insurance$2,181
Allstate$2,706

Cheapest car insurance cost in Overland Park by Age Group 

USAA offers the cheapest full coverage car insurance for teenage drivers in Overland Park, with an average annual cost of $3,887 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

USAA provides the cheapest car insurance coverage for young drivers in Overland Park, with an annual premium of $1,647 on average.

As Overland Park drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. USAA stands out as the cheapest car insurance option for adult drivers, with an annual premium of $994

USAA tops the list in terms of affordability for senior drivers in Overland Park. With an average annual premium of $972, USAA offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.

CompanyTeensYoung AdultsAdultsSeniors
USAA$3,887$1,647$994$972
Nationwide$4,070$1,935$1,108$1,023
Travelers$4,590$2,296$1,494$1,438
Geico$4,622$2,333$1,363$1,567
State Farm$5,277$3,026$1,798$1,706
Iowa Farm Bureau$5,605$3,348$1,878$1,668
Shelter Insurance$6,339$3,675$2,119$1,759
Farmers$7,056$2,578$1,823$1,865
Progressive$7,794$2,868$1,733$1,737
Allstate$9,728$4,442$2,680$2,789

Cheapest car insurance companies in Overland Park by driver profile 

When determining car insurance rates in Overland Park, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

Comparison shopping is the key to getting the cheapest car insurance rates in Overland Park. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.

In Overland Park, these insurance companies offer cheap car insurance rates based on your driver profile.

Nationwide has the cheapest rates for Overland Park drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,263, Nationwide offers substantial savings among the insurers analyzed.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
Nationwide$1,263
Geico$1,322
USAA$1,592
Progressive$2,393
Travelers$2,398
Farmers$2,626
State Farm$2,762
Allstate$3,249

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Overland Park. It provides full coverage car insurance for drivers aged 30 at about $1,054 per year

Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.

CompanyAverage annual premium
USAA$1,054
Nationwide$1,185
State Farm$1,334
Geico$1,363
Progressive$1,844
Travelers$1,899
Farmers$2,330
Allstate$2,417

According to Insurance.com's analysis, USAA tops the list of cheap car insurance providers in Overland Park for drivers involved in at-fault accidents, with an average annual cost of $1,398. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget. 

CompanyAverage annual rates
USAA$1,398
State Farm$1,435
Nationwide$1,485
Geico$1,947
Travelers$2,050
Progressive$2,442
Farmers$2,677
Allstate$3,314

State Farm is the cheapest option for Overland Park drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,334, on average.

Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.

CompanyAverage annual rates
State Farm$1,334
Progressive$1,848
USAA$2,225
Nationwide$2,285
Travelers$2,482
Farmers$2,754
Allstate$3,405
Geico$5,769

Average car insurance cost in Overland Park 

On average, Overland Park drivers pay $1,718 annually, or $143 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Overland Park is $542.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.

Average annual RatesState minimum average
$1,718$542

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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