Find Car Insurance in Overland Park, Kansas

What You Should Know About Car Insurance in Overland Park, KS

Before the 1800s migration of new settlers into the northeastern part of what is today known as Kansas, members of twelve Native tribes had already lived there for hundreds of years. Kansas became the 34th state in 1861. Today, Kansas is known for several points of interest: The University of Kansas faculty identified helium in 1905 through experimentation with gas from a local well. Kansas is known as the “Wheat Capital of the World.” And until 1983, a point at Meades Ranch near Lebanon, Kansas, known as the Geodetic Center of North America, was used for Canadian, Mexican, and American surveys.

In 1905, a settler platted subdivisions in the area, naming one of them Overland Park. The city was incorporated in 1960 and covers 75.6 square miles. The present population of just over 200,000 residents makes Overland Park one of the most populous cities in the state. The city offers many choices of outdoor activities — you can visit over 250 animals and learn about local plants at the Deanna Rose Children’s Farmstead, stroll through 300 acres of themed gardens at the Overland Park Arboretum and Botanical Gardens, or bike, hike, and picnic at any of the area’s many parks.

Both I-435 and US-69 cross through Overland Park, making it easier for locals to get to their destinations. Be sure you get there knowing you are protected from unexpected problems on the road. Expert agents are standing by to provide white-glove service to help you find the best car insurance in Kansas at competitive rates.

How Much Does Car Insurance Cost in Overland Park, Kansas

Kansas drivers pay about $498 a year for state-required liability coverage and $1,659 for full auto insurance coverage. These numbers mean Kansas drivers pay less than the national averages of $622 for liability and $2,014 for full coverage. Your actual cost will depend on certain statistics, such as auto theft rates in your residence zip code, as well as your personal information.

What Does It Mean If Kansas Is a No-Fault State?

Kansas is a no-fault state — meaning if you are in an accident, your insurer pays for your medical expenses regardless of who caused the accident, but your property damage would be covered by the insurer of the driver determined to be at fault. This is different than at-fault states, where the coverage of the person determined to have caused the accident would take care of both medical and property damage costs.

Affordable Car Insurance Rates Comparison by Cities in Overland Park

Overland Park residents pay about the same as residents of other Kansas cities, as shown in the chart below:

City	Full Coverage Insurance	Liability Insurance Coverage
Overland Park	$127	$36
Wichita	$138	$42
Kansas City	$149	$42
Topeka	$124	$47
Lawrence	$120	$36

How Bundling Your Car and Homeowners Insurance Can Save You Money in Overland Park

If you would like to save some money on your policy, look into bundling, which means buying more than one policy from one insurer. Here are some of the notable advantages of buying coverage from multiple insurers:

• Bundling can save you up to 25% off your bill.
• Bundling streamlines your policy paperwork and bill management.
• Bundling saves you time by providing one-stop-shop service for your insurance needs.

If you are in the market to buy homeowners insurance, renters, life insurance, or any other kind of insurance coverage, your agent will do all the work for you to find you customized high-quality coverage options along with cost savings.

What Types of Car Insurance Discounts Are Available in Overland Park?

In addition to bundling, there are other ways to save money on your auto insurance. Here are some potential discount options:

• Safety equipment, such as airbags and antilock brakes
• Clean driving record
• Safe driver status (passing a state-approved driver safety course)
• Higher deductible
• Good credit

Notable Car Insurance Laws in Overland Park

Overland Park follows Kansas state laws — to legally drive, drivers in Kansas must have car insurance, including liability, personal injury protection, and uninsured/underinsured driver coverage. Here is additional information about those requirements:

What Are the Mandatory Car Insurance Requirements in Overland Park?

The state requires its residents to have the following coverage minimums to operate a motor vehicle:

Liability

• Bodily injury liability: $25,000 per person
• Bodily injury liability: $50,000 per accident
• Property damage liability: $25,000 per accident

Personal Injury Protection

• Medical expenses: $4,500 per person
• Disability/loss of income: $900 per month for one year
• Substitution benefits: $25 per day
• Funeral, burial, or cremation expenses: $2,000
• Rehabilitation expenses to train for re-employment: $4,500
• Disability/loss-of-income survivor benefits: $900 per month for one year
• Substitution benefits: $25 per day for up to one year

Uninsured/Underinsured Bodily Injury

• Bodily injury: $25,000 per person
• Bodily injury: $50,000 per accident

Remember that a serious accident may require more coverage than these minimums. Your agent can help you figure out the appropriate coverage for your unique situation.

What Is the Penalty for Driving Without Insurance in Overland Park?

Once you have insurance, be sure to keep up with your payments, as there is no grace period for auto insurance payments in Kansas.

Insurers may cancel your policy for nonpayment of a premium, which may leave you susceptible to penalties if you are caught driving uninsured (a class B misdemeanor), including the following:

• Fine of between $300 and $1,000 (first offense)
• Fine of between $800 and $2,500 (second offense within three years of the first)
• Possible jail time
• Driver’s license suspension when involved in an accident

What Factors Go into My Car Insurance Cost in Overland Park?

Insurers review an assortment of your personal details when figuring out your insurance, including:

• Marital status
• Age
• Years driving
• Driving history
• Credit score

The cost of your insurance is also determined by the type of coverage you choose and whether you have any optional auto insurance coverage, such as GAP insurance (which covers the difference between your car’s value and what you still owe on your car loan if your car is totaled or stolen) or rental reimbursement coverage. Your agent can help find the best choices for you and come up with a personalized plan to meet all your insurance needs.

Typical Driving Conditions in Overland Park

Each year, the city of Overland Park repairs and improves roadways, bridges, curbs, sidewalks, storm drainage systems, and street lighting for traveler safety. This ongoing construction may cause traffic delays, including detours, which can impact city traffic and may cause driver confusion.

Typical yearly Overland Park temperatures range from 23 degrees to 89 degrees. Tornadoes and thunderstorms with heavy rain are common in the area, increasing the risk of accidents and impatient drivers.

Improper lane changes and failing to yield are major contributors to Overland Park car accidents. When factoring these behaviors along with road closures, weather conditions, and today’s added cell phone distraction, it is more important than ever to drive defensively by staying aware of your surroundings and anticipating other drivers’ movements.

How Many Car Accidents Happen in Overland Park Per Year?

Statistics from the National Highway Traffic Safety Administration show there were 353 fatal accidents in Kansas in 2023. You can compare the number of fatal car crashes in Overland Park with some other Kansas cities in the chart below:

City	Annual Average Number of Fatal Car Crashes
Overland Park	7
Wichita	40
Kansas City	25
Topeka	7
Lawrence	5

How Many Uninsured/Underinsured Motorists are in Overland Park?

The Insurance Information Institute reported that 12% of Kansas drivers were uninsured in 2023. The state does require its drivers to have uninsured/underinsured bodily protection coverage — a nice layer of protection to help prevent hardship you may encounter if an uninsured or underinsured driver crashes into you.