Car Insurance in Overland Park, KS

Drive your car with the same sense of relaxation you feel while riding shotgun when you have the best car insurance in Overland Park, KS, for the best price. 
Compare, shop and customize quotes from top-rated insurance carriers.

Look After Yourself With Car Insurance in Overland Park, KS

Public transportation options are limited for Overland Park's approximately 196,000 residents. RideKC bus routes run throughout the city and connect it to other areas throughout Johnson County, including Kansas City. However, many people choose to take to the roads to get around, which contributes to dangerous congestion. 

The workers in this population have an average commute time of 20 minutes, which is shorter than the national average. However, it still leaves commuters spending almost 45 minutes a day in the car. VIU by HUB can help Overland Park drivers find affordable car insurance that protects them during their daily commute. 

According to Data USA, there are over 80,000 households in this city, with most of these owning two cars. While not all of these vehicle owners work, they contribute to busy roads, making good car insurance necessary. 

Types of Coverage

Most people opt for a variety of coverage options on their policy. The most common types are:

  • Collision
  • Comprehensive
  • Liability
  • Medical payments

Since the cost of everything is on the rise, the minimum coverage amounts are no longer enough. If someone hits you and they don't have enough insurance, you will be financially responsible for the rest of your bills. However, you can combat this with underinsured motorist coverage. This policy protects you from drivers with minimum coverage by paying for things that their insurance policy won't. 

Even with full coverage, you might not have enough to cover your expenses in a crash. When this happens, you have no choice but to pay out of pocket. You need to make sure that your limits are sufficient. Otherwise, your insurance might not cover all of your expenses. 

Factors Affecting Rates for Car Insurance in Overland Park, KS

The average cost for Overland Park auto insurance is $146 per month or $1,751 per year, which is lower than the state and national averages for car insurance. This amount can vary based on your ZIP code.  

Since this urban area has congested roads, you will pay higher rates than in rural areas. However, that is only one factor in your final rate. Use VIU by HUB's easy comparison tool to ensure you get the best deal based on all your factors. 

Women Pay Less for Car Insurance

Kansas insurers can use your gender when they are deciding your rates.  This means that most men can expect to pay more for insurance than women, all other factors being equal. 

Teens See Higher Rates for Car Insurance

Most of the time, the younger you are, the higher your insurance rates will be. However, the older you get, the lower your rates will be, but they may rise again after you cross age 70.

Teenagers get into a lot more car accidents than people in other age categories. Because of the risk, teens pay the most for car insurance. Parents and teens can use VIU by HUB to find the best option and get affordable rates. 

You don't want to end up with higher rates or an insufficient policy. VIU by HUB helps by providing you with multiple quotes from various insurance companies. Simply enter some basic information and then you can compare car insurance in Overland Park, KS, make an informed decision and purchase the right coverage to ensure that you are properly protected and stay within your budget. 

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Data USA

US Census Bureau

World Population Review

Auto insurance in Kansas by city

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