Overland Park Car Insurance

Everything You Need to Know About Car Insurance in Overland Park, KS

Find the right car insurance policy for you.

With a thriving local economy and dozens of popular tourist destinations, Overland Park is a busy city in the heart of Kansas. Residents of Overland Park, KS are likely to encounter heavy traffic whether they're headed out for a leisurely afternoon at the Overland Park Arboretum or they're on the way to the supermarket. Make sure you’re protected with reliable Overland Park car insurance.

Trusted Choice® Independent Insurance Agents provide one-on-one support for Overland Park drivers who are searching for affordable auto insurance solutions. Our experienced agents can help you navigate your coverage options and choose a budget-friendly plan to protect your car from the most common Overland Park roadway threats.

  • National average cost per year: $1,311
  • Kansas average cost per year: $1,147
  • #33 most expensive auto premium in the U.S.

Car insurance premiums in Kansas trend slightly below the national average. However, your individual premium varies depending on several key factors. Your age, your driving record, your recent auto claims and even the type of car you drive all make a difference in how much you pay for auto insurance in Overland Park.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Kansas Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 25/50/10

All drivers in Kansas are legally required to have car insurance. Minimum coverage limits are $25,000 for individual injuries, $50,000 total for all injuries in an accident and $10,000 for any resulting property damage. These minimums are only a starting point, and many drivers opt to buy higher coverage as a safeguard. If you get into an accident and the damage costs more than your coverage limit, you have to pay the difference out of pocket. Trusted Choice agents can help you determine how much coverage you realistically need.

Number of Uninsured Motorists in Kansas

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Kansas drivers: 9.4%

Car accidents in Overland Park can quickly evolve into a financial nightmare, with 9% of Kansas drivers on the roads having no auto insurance. If you are hit by a driver who doesn’t have insurance, you have to pay for your own car repairs. That’s why it’s crucial to choose an Overland Park auto insurance policy that includes protection against uninsured motorists and related accidents.

Number of Auto Thefts in Kansas

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Kansas: 2.86

Your car might be equipped with a cutting-edge security system, but there is still no way to prevent car theft. Today’s criminals are smarter than ever before, finding ways to steal vehicles, despite upgraded security features. Auto theft is a serious concern in Overland Park, so choose a car insurance plan that offers protection against theft just in case your car becomes a target.

Find a Great Overland Park Car Insurance Policy

Trusted Choice Independent Insurance Agents make it easier than ever to find affordable auto insurance in Overland Park. Our experienced agents can help you explore available policies, compare quotes on multiple policies and decide how much coverage you really need. If you’re shopping for the lowest rates on Overland Park auto insurance, contact an agent for a free quote today.

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