Overland Park, KS Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Overland Park, KS, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Overland Park, KS are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Overland Park, KS Auto Insurance Rates
- Overland Park, KS Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Overland Park, KS
- Multi Vehicle Insurance Savings in Overland Park, KS
- How Credit Score Affects Car Insurance Rates in Overland Park, KS
- How DUI Affects Auto Insurance Premiums in Overland Park, KS
- Top Auto Insurance Agents Near Overland Park, KS
- How Driving Violations Affect Auto Insurance Rates in Overland Park, KS
- Overland Park, KS Auto Insurance Discounts on Anti Theft Feature
- Overland Park, KS Auto Insurance Company Reviews
Overland Park, KS Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Overland Park, KS with that of other cities in and around Overland Park.
| Overland Park | Loch Lloyd | Kaw | Olathe | Prairie Village | Leawood | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,208 | $2,046 | $1,487 | $1,158 | $1,605 | $1,201 |
Overland Park, KS Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Overland Park, KS based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Overland Park | $1,142 | $965 |
| Leawood | $1,048 | $885 |
| Oxford | $2,023 | $1,709 |
| Kaw | $2,201 | $1,859 |
| Loch Lloyd | $2,889 | $2,440 |
| Olathe | $2,274 | $1,921 |
| Johnson County | $1,505 | $1,271 |
| Prairie Village | $1,262 | $1,066 |
Overland Park, KS Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Overland Park, KS usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,920 |
| 20 Years | $1,552 |
| 30 Years | $1,196 |
| 40 Years | $1,150 |
| 50 Years | $1,065 |
| 60 Years | $1,080 |
| 70 Years | $1,257 |
Overland Park, KS Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Overland Park, KS can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,078 | $338 |
| 3 Vehicles | $3,117 | $507 |
| 4 Vehicles | $4,156 | $676 |
Savings on 2 Vehicles bundle:$338
Savings on 3 Vehicles bundle:$507
Savings on 4 Vehicles bundle:$676
Overland Park, KS Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Overland Park, KS.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Overland Park | $1,208 | $2,014 |
| Leawood | $1,201 | $2,002 |
| Oxford | $1,705 | $2,842 |
| Kaw | $1,487 | $2,121 |
| Loch Lloyd | $2,046 | $2,918 |
| Olathe | $1,158 | $1,930 |
| Johnson County | $1,592 | $2,654 |
| Prairie Village | $1,605 | $2,675 |
Overland Park, KS Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,036 |
| Excellent (740-799) | $1,183 |
| Good (670-739) | $1,259 |
| Average (580-669) | $1,642 |
| Poor (300-579) | $1,970 |
Overland Park, KS Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Desiree Mondragon | Farmers | 7133 W 80th St Ste 204, Overland Park, 66204 | (913) 428-7200 |
| The Gerber Insurance Group | Travelers | 5200 W 94TH TER STE 110, PRAIRIE VILLAGE, 66207 | 913-649-7800 |
| Scott Lowery | Allstate | 11810 Quivira Rd, Overland Park, 66210 | (913) 375-9500 |
| Carl Nitsche | Farmers | 7505 Nall Ave, Prairie Village, 66208 | (913) 642-1035 |
| Goodman Gravley Ins Source | Travelers | 14812 W 117Th St, Olathe, 66062 | (913) 782-1404 |
| Scott Kamrath | Allstate | 10930 W 74th Ter, Shawnee, 66203 | (913) 962-4600 |
| Giersch & Assoc Ins Agency Llc | Travelers | 4200 SOMERSET DR STE 245, PRAIRIE VILLAGE, 66208 | 913-232-7641 |
| Shawn Purvis | Farmers | 6701 W 64th St Ste 222, Overland Park, 66202 | (785) 856-2580 |
| Platinumone Insurance Agency Llc | Travelers | 4400 W 109TH ST STE 100, OVERLAND PARK, 66211 | 913-451-4800 |
| Platinumone Insurance Agency Llc | Travelers | 4400 W 109TH ST STE 100, OVERLAND PARK, 66211 | 913-451-4800 |
Overland Park, KS Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$53 | $1,261 |
| Driver's Failure In Showing Documents | +$117 | $1,325 |
| Driving With An Expired Registration | +$124 | $1,332 |
| Driving At A Considerably Slow Pace | +$262 | $1,470 |
| Using A Cellphone While Driving | +$277 | $1,485 |
| Running A Red Light | +$281 | $1,489 |
| Speeding | +$296 | $1,504 |
| Driving A Vehicle Without The Required Permission | +$376 | $1,584 |
| Driving With An Expired/Suspended License | +$814 | $2,022 |
Overland Park, KS Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,160 |
| Active Disabling Device | $1,160 |
| Tracking Device | $1,136 |
| Passive Disabling Device | $1,123 |
Latest Auto Insurance Reviews in Overland Park, KS | Back to Top
GeicoI would recommend Geico. the premiums are on the lower end comparing prices of other Insurances
GeicoPrice point is the lowest i can currently find. I checked other rates about two months ago.
AaaI would recommend this company because here in Michigan, you're required to have car insurance. The customer service for this company is okay.
California CasualtyI don't do much comparison shopping, so I can't say for sure. But I'm pretty confident that the premiums and deductibles are in line with the leading companies in the insurance industry.
AllstateOfferings are standard and cover our insurance needs.we are satisfied with what they offer as our needs are not that complex.
State FarmI believe that State Farm has highly competitive offering for auto insurance coverage in the marketplace. We are pleased with the offerings we were able to choose from.
NationwideMy premium has gone up with some car accidents but I am not dissatisfied. The coverage and cost is comparable to other companies. Insurance is a necessary expense.
Country FinancialI think that my insurance company probably offers the same auto insurance that other similar companies offer. If there are any other services, I probably don't need them anyway.
Country FinancialI think that my insurance company probably offers the same auto insurance that other similar companies offer. If there are any other services, I probably don't need them anyway.
GeicoI like that this company offers good insurance at a low price. They have great customer service and allow you to find answers yourself or get assistance if you need it.
GeicoCustomer service is excellent. Anytime I have ever had to call Geico, they have been nothing but nice and easy to work with. They answer our questions and make us feel comfortable.
AllstateCustomer service sometimes can be a bit of problems sometimes it takes a while to connect with someone to assist you with questions
Progressivelike the customer service, the pricing their cover for each car that I have
Farm BureauI dislike that even though I have never been in an accident it's quite expensive because I have a terrible credit score.
State FarmWe have used State Farm from the time we moved here 20+ yrs ago. The same individual owns the office and his two assistants are still there. It has become so easy to go in and talk, ask questions, get advice. They are part of the neighborhood. I am often driven by cost savings, but I hop they never give me a reason to truly look elsewhere.
AaaSame policy offerings but the service at AAA is amazing.
State FarmI don't like that my premiums have gone up for seemingly no reason. My entire family's premiums went up, and we all drive much older cars. My insurance yearly is half the value of my car, for example.