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.
In Overland Park, Nationwide provides the cheapest auto insurance rates to drivers at an average annual premium of $1,122 annually.
Car insurance prices in Overland Park can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Overland Park drivers.
| Companies | Average 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
The cheapest auto insurance company in Overland Park for teen drivers is USAA. For full coverage, its average annual rate for Overland Park drivers is $3,887. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
Among the carriers analyzed, USAA is the cheapest car insurance option for young drivers in Overland Park, at $1,647 a year for a full coverage policy.
An analysis of car insurance rates for Overland Park drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. USAA offers the cheapest full-coverage car insurance rates at $994 per year.
USAA is the cheapest option for senior drivers in Overland Park, with an average premium of $972 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Overland Park that suits your budget.
Here are some of the cheapest car insurance companies in Overland Park based on driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Drivers in Overland Park with poor credit can get the cheapest car insurance from Nationwide at an average cost of $1,263 a year, according to a data study by Insurance.com.
Drivers with poor or bad credit scores in Overland Park can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average 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 |
Cheapest for drivers with a speeding ticket: USAA
USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Overland Park. It offers 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.
| Company | Average 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 |
Cheapest auto insurance after an at-fault accident: USAA
USAA is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Overland Park is $1,398. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average 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 |
Cheapest auto insurance after a DUI: State Farm
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.
If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.
| Company | Average 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
In Overland Park, the annual cost of car insurance for the coverage level of 100/300/100 is $1,718 or around $143 per month. However, the average yearly rate for state minimum coverage in Overland Park is $542.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State 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.
