Overland Park drivers pay an average of $2,064/year — $293 more than the national average. With 2,598 crashes per year and a 3.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $552/year.
(888) 217-6781Estimated full coverage auto insurance rates for Overland Park, KS from top carriers. Rates are adjusted for Overland Park's 2,598 annual crashes, 3.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $784 | $131/mo |
| Shelter Insurance | $853 | $142/mo |
| Progressive | $884 | $147/mo |
| Farm Bureau | $946 | $158/mo |
| State Farm | $965 | $161/mo |
Estimates based on 2026 rate filings for ZIP 66204. GEICO is cheapest at ~$131/mo. Actual rates vary by driver profile and exact Overland Park location.
These Overland Park-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Overland Park, KS. Takes under 2 minutes.
(888) 217-6781Overland Park is a mid-size city in Kansas with a population of 197,238. While it avoids the extreme congestion of larger metros, Overland Park has its own risk factors — growing commuter traffic, expanding development, and tornadoes, severe thunderstorms, hail, ice storms, flooding — that shape local auto insurance rates. Drivers in Overland Park typically pay close to the Kansas state average, with significant variation by ZIP code and neighborhood.
For official Kansas insurance regulations, visit the Kansas Insurance Department. For driver licensing, see the Kansas Division of Vehicles.
Your specific ZIP code within Overland Park can swing your premium by hundreds of dollars. Here's how rates compare across Overland Park neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 66216 | Overland Park South Side | $1,934/yr | $161/mo |
| 66205 | Overland Park North Side | $1,964/yr | $164/mo |
| 66216 | Overland Park West Side | $2,024/yr | $169/mo |
| 66214 | Overland Park East Side | $2,125/yr | $177/mo |
| 66204 | Overland Park Downtown/Central | $2,233/yr | $186/mo |
The cheapest ZIP is 66216 (Overland Park South Side) at $1,934/yr. The most expensive is 66204 (Overland Park Downtown/Central) at $2,233/yr — a $299/year difference for the same driver.
Your Overland Park ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Overland Park. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,334/yr | $361/mo | +110% vs avg |
| Young Adult (20-25) | $2,890/yr | $241/mo | +40% vs avg |
| Adult (26-35) | $2,064/yr | $172/mo | 0% vs avg |
| Mid-Career (36-50) | $1,816/yr | $151/mo | -12% vs avg |
| Senior (51-65) | $1,713/yr | $143/mo | -17% vs avg |
| 65+ | $1,837/yr | $153/mo | -11% vs avg |
Teens in Overland Park pay an average of $4,334/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,713/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Kansas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Overland Park drivers can save up to $552/year. ZIP 66216 (Overland Park South Side) has the lowest rates starting at $1,934/yr.
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