Car Insurance in Overland Park, Kansas
Estimated full coverage in Overland Park runs about $1,415 a year ($118/month) — ▲ +11% versus the Kansas average, ranking 2nd most expensive of the 8 Kansas cities we cover.
Why car insurance in Overland Park costs more than the Kansas average
Insurers price by territory, and Overland Park's numbers explain most of the gap. With 202,893 residents on 75.3 square miles, the city's density (2,695 people per square mile) is 6.5 times the density where the typical Kansas resident lives (413). The average commute is 19.7 minutes (Kansas: 19.7), and 68% of workers drive alone. Together these put our location factor at 1.11× the state baseline for liability and collision, and 1.09× for comprehensive once FEMA weather risk for Johnson County is included.
| Factor | Overland Park | Kansas ref. | Why it matters |
|---|---|---|---|
| Population density | 2,695 / sq mi | 413 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 19.7 min | 19.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 1.8% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 67.8% | — | Share of workers commuting by car. |
| Public transit to work | 0.2% | — | Transit use lowers how much residents drive. |
| Work from home | 24.6% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 4.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 68.0 | 74.6 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Overland Park
Rates can change from one ZIP code to the next. Across 9 Overland Park ZIP codes, our full-coverage estimate ranges from $1,335 in 66085 to $1,460 in 66223. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 66212 | 32,917 | 4,331 | 17.9 min | 4.6% | $1,430 | +1% |
| 66213 | 30,539 | 3,907 | 19.5 min | 4.3% | $1,440 | +2% |
| 66221 | 25,550 | 2,106 | 22.0 min | 2.2% | $1,425 | +1% |
| 66223 | 24,747 | 3,963 | 21.2 min | 5.4% | $1,460 | +3% |
| 66210 | 20,347 | 3,362 | 19.6 min | 3.0% | $1,430 | +1% |
| 66204 | 17,948 | 3,624 | 18.8 min | 6.1% | $1,425 | +1% |
| 66207 | 15,739 | 3,443 | 18.9 min | 2.0% | $1,425 | +1% |
| 66214 | 12,351 | 3,205 | 20.2 min | 5.9% | $1,435 | +1% |
| 66085 | 11,486 | 475 | 23.5 min | 1.0% | $1,335 | −6% |
Minimum car insurance in Overland Park
Overland Park drivers follow Kansas's rules: at least 25/50/25 liability coverage, personal injury protection, and uninsured motorist coverage. Kansas is no-fault. We estimate state-minimum coverage in Overland Park at $445 a year, and $650 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | 4,500 medical PIP is required: at least $4,500 medical, $4,500 rehabilitation, $900 per month disability, $25 per day substitution services, $2,000 funeral and $900 per month survivor benefits. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist coverage is required; only limits above the 25/50 minimum may be rejected in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Uninsured motorist coverage must include an underinsured motorist provision. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Risk factors that shape Overland Park premiums
Accidents
Kansas recorded 339 traffic deaths, or 1.07 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Kansas's vehicle theft rate is 215 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Johnson County as relatively high for hail, relatively high for inland flooding and relatively low for strong wind.
Traffic & commuting
1.8% of Overland Park commuters spend an hour or more getting to work, and there are 1.81 vehicles per household. 24.6% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 98.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 98.9 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 94.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 47.1 | Comprehensive; dwelling | |
| Winter weather | 100.0 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Overland Park by driver profile
A clean-record driver in their 50s pays the least in our Overland Park model (about $1,300 for full coverage); an 18-year-old on their own policy pays about $3,890, and a DUI pushes a 30-something to $2,620.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,230 | $1,780 | $3,890 | $324 |
| Young adult (22) | $715 | $1,035 | $2,265 | $189 |
| Adult in their 30s | $445 | $650 | $1,415 | $118 |
| Adult in their 50s | $410 | $595 | $1,300 | $108 |
| Senior (72) | $500 | $725 | $1,585 | $132 |
| 30s, one at-fault accident | $650 | $940 | $2,050 | $171 |
| 30s, DUI on record | $825 | $1,200 | $2,620 | $218 |
Minimum vs. standard vs. full coverage in Overland Park
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $445 | $37 | $365–$525 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $650 | $54 | $530–$765 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,415 | $118 | $1,160–$1,670 |
Estimate your premium in Overland Park
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Cheap car insurance in Overland Park: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Overland Park's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $105 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $100 | You're among the 24.6% of Overland Park workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $420 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $765 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $310 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Overland Park
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 91 offices listed below.
- Check complaint records with the Kansas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Overland Park, our estimates differ by up to $125 a year between neighborhoods.
Car insurance agents near Overland Park, KS
We found 91 insurance offices within about 7 miles of central Overland Park, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Ron Culp - State Farm
9407 W 87th Street, Overland Park, KS 66212 -
M. Walker & Associates, LLC
10100 W 87th St, Ste 300, Overland Park, KS 66212 -
Allan Naranjo - Farmers Insurance
7133 W 80th St, Overland Park, KS 66204 -
Williamson & Associates Inc
7900 Marty St, Overland Park, KS 66204 -
State Farm
7111 West 79th Street, Overland Park, KS 66204 -
Greg Egan - State Farm
8676 West 96th Street, Suite 102, Overland Park, KS 66212 -
Eric Atwell - State Farm
6703 W 91st St., Overland Park, KS 66212 -
Israel Rocha - Farmers Insurance
7219 W 95th St, Overland Park, KS 66212 -
McGriff & Associates LLC
7291 W 97th St, #A, Overland Park, KS 66212 -
James P Dominique - Farmers Insurance
9401 Reeds Rd, Overland Park, KS 66207 -
James Buckman - GEICO
11532 West 95th Street, Overland Park, KS 66214 -
Joshua Wingerd - Farmers Insurance
6750 Antioch Rd, Merriam, KS 66204 -
Stephen Willhite - American Family Insurance
9401 Nall Ave, Ste 206, Prairie Village, KS 66207 -
Keith A Smith - Farmers Insurance
7451 Switzer St, Merriam, KS 66203 -
Dave Tebbe - State Farm Insurance Agent
11654 West 75th Street, Shawnee, KS 66214 -
Kimberly Hower - American Family Insurance
10404 Metcalf Ave, Overland Park, KS 66212 -
Julie Coover - American Family Insurance
12715 W 87th St Pkwy, Ste 102, Lenexa, KS 66215 -
Cynthia Jarvis - American Family Insurance
4121 W 83rd St, Ste 159, Prairie Village, KS 66208 -
Ryan Lorei - State Farm
10551 Barkley St, Suite 100, Overland Park, KS 66212 -
Holley Tucker - Farmers Insurance
10551 Barkley St, Overland Park, KS 66212 -
Benjamin Robinson - Farmers Insurance
13000 W 87th Street Pkwy, Lenexa, KS 66215 -
Liam Porter - State Farm
6701 West 64th St., Suite 322, Overland Park, KS 66202 -
Tom Mayfield Agency, Inc.
10875 Benson Dr, Ste 100, Overland Park, KS 66210 -
Melissa Misic - Farmers Insurance
10870 Benson Dr, #2190, Overland Park, KS 66210 -
Leah Smith - Farmers Insurance
10901 Lowell Ave, Overland Park, KS 66210 -
Rudy D Rodriguez - Farmers Insurance
10501 Shawnee Mission Pkwy, Shawnee, KS 66203 -
Patrick Wertzberger - Farmers Insurance
8005 W 110th St, Overland Park, KS 66210 -
American Family Insurance - Rieder & Associates
9234 Pflumm Road, Lenexa, KS 66215 -
Farmers Insurance - Kyle Ingenthron
9234 Pflumm Road, Lenexa, KS 66215 -
Matthew Wallace Meyer - Farmers Insurance
3731 W 95th St, Overland Park, KS 66206 -
Benjamin Abbott - American Family Insurance
6520 W 110th St, Ste 200B, Overland Park, KS 66211 -
Denise Garcia - State Farm
7301 Mission Rd, Suite 313, Prairie Village, KS 66208 -
USI Insurance Services-Transportation Group
KS -
Tischer & Associates LLC
13606 W 95th St, Lenexa, KS 66215 -
Jessica Butler Agency, LLC
9408 Johnson Dr, Merriam, KS 66203 -
American Family Insurance
KS -
Jourdan Lodge - Farmers Insurance
3520 W 75th St, Prairie Village, KS 66208 -
The Sumrall Group Co.
6100 Nieman Rd, Ste 200, Shawnee, KS 66203 -
Mark Elling - State Farm
6011 Nieman Road, Suite 1, Shawnee, KS 66203 -
Christopher Michael Glover - Farmers Insurance
6601 College Blvd, Leawood, KS 66211
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Overland Park
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,055 | −25% |
| Subaru Outback | Wagon | $1,075 | −24% |
| Tesla Model 3 | Midsize car | $1,465 | +4% |
| Subaru Forester | Small SUV | $1,055 | −25% |
| Honda Civic | Compact car | $1,575 | +11% |
| Toyota Corolla | Compact car | $1,475 | +4% |
| Jeep Wrangler | Midsize SUV | $1,115 | −21% |
| Mazda CX-5 | Small SUV | $1,175 | −17% |
| MINI Cooper | Subcompact car | $1,060 | −25% |
| Tesla Model Y | Midsize SUV | $1,320 | −7% |
Car insurance in nearby Kansas cities
- Shawnee $1,410/yr · 4 mi
- Lenexa $1,380/yr · 6 mi
- Olathe $1,415/yr · 10 mi
- Kansas City $1,395/yr · 11 mi
- Lawrence $1,420/yr · 31 mi
- Topeka $1,360/yr · 54 mi
- Wichita $1,405/yr · 169 mi
All Kansas cities and state rules · Homeowners insurance in Overland Park
Frequently asked questions
How much is car insurance in Overland Park, KS?
We estimate full coverage in Overland Park at about $1,415 a year ($118 a month) for a driver in their 30s with a clean record, and about $445 for Kansas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Overland Park more expensive than the Kansas average?
Our Overland Park estimate is 11% higher than the statewide figure. The model reflects a population density of 2,695 people per square mile (the typical Kansas resident lives at about 413) and an average commute of 19.7 minutes versus 19.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Overland Park?
Drivers in Overland Park follow Kansas law: at least 25/50/25 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Overland Park has the cheapest car insurance?
Among Overland Park's 9 ZIP codes, 66085 has the lowest estimate (about $1,335 a year for full coverage) and 66223 the highest (about $1,460), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Overland Park?
An 18-year-old with their own full-coverage policy would pay around $3,890 a year in Overland Park by our estimate ($1,230 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Overland Park?
Yes. FEMA's National Risk Index rates Johnson County for hail (relatively high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Overland Park?
We list 91 insurance offices in and around Overland Park, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- K.S.A. 40-3107 (required motor vehicle liability policy provisions)
- K.S.A. 40-3103 (PIP benefit definitions)
- K.S.A. 40-3117 (tort threshold)
- K.S.A. 40-284 (uninsured/underinsured motorist coverage)
- Kansas Department of Insurance: Auto
- Kansas Department of Insurance: File an Insurance Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Overland Park and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places