Car insurance in Leawood, KS, costs a 40-year-old driver with a clean record about $209 a month ($2,507 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That puts it 6% under Kansas’ $222 monthly average. Of the auto insurance companies among insurers anyone can buy from, Travelers has the lowest full-coverage average in our Leawood table, at about $145 a month, effectively tied with GEICO at $149.
Leawood runs along State Line Road on the east side of Johnson County, and it costs less to insure a car here than across the line in Kansas City, Missouri: about $209 a month for full coverage in Leawood and about $227 in Kansas City, Missouri, for our benchmark driver.
Our data covers three ZIP codes with a Leawood mailing address, priced within about $2 a month of each other. Census Bureau maps show that 66209 and 66211 also take in parts of Overland Park, and that some south Leawood addresses use Overland Park ZIP code 66224.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Leawood ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 10, 2026.
Based on the rates insurers had filed with state regulators as of Sept. 30, 2026, auto insurance for a 40-year-old driver with a clean record in Leawood, KS, costs about $209 a month ($2,507 a year) for full coverage and $68 a month for liability only at 25/50/10 limits. The Kansas average is $222 a month, so that figure is 6% lower.
We compared 10 car insurance companies in Leawood, KS, for the same driver and car: the six major insurers we compared (Allstate, American Family, Farm Bureau Financial Services, Farmers, Progressive and State Farm) from their rate filings and four marked *, priced from published Kansas rate studies.
The statewide Kansas rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the nine, all five published in 2026, put it first, apart from USAA, which sells only to military families. Two of the others put GEICO first, one State Farm and one Nationwide. For liability-only coverage at 25/50/10 limits, averages among these six insurers run from about $37 to $97 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Leawood
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $447 | $37 | $1,940 | $162 |
| State Farm | $679 | $57 | $2,223 | $185 |
| American Family | $971 | $81 | $2,396 | $200 |
| Farmers | $999 | $83 | $2,592 | $216 |
| Farm Bureau Financial Services | $646 | $54 | $2,707 | $226 |
| Allstate | $1,169 | $97 | $3,184 | $265 |
| USAA (military families)* | $497 | $41 | $1,289 | $107 |
| Travelers* | $749 | $62 | $1,737 | $145 |
| GEICO* | $594 | $50 | $1,790 | $149 |
| Shelter Insurance* | $1,147 | $96 | $2,318 | $193 |
| Leawood average | $818 | $68 | $2,507 | $209 |
This table uses Leawood ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the three Leawood ZIP codes we price, full coverage for our driver ranges from about $208 a month in 66209 to $210 in 66206, a gap of $29 a year. With so little difference between them, the insurer you choose moves your price far more than your Leawood ZIP code does.
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Leawood’s average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 66206 | $828 | $69 | $2,521 | $210 | About average |
| 66209 | $805 | $67 | $2,492 | $208 | About average |
| 66211 | $822 | $69 | $2,508 | $209 | About average |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $83 a year on average in our Leawood data, with the same $500 deductibles. That’s about $7 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for full coverage, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Leawood ZIP codes, their full-coverage average fell from $2,577 a year 10 months earlier to $2,371 in rates as of Sept. 30, 2026, an 8.0% drop. American Family cut its Leawood average 29.2% and State Farm 7.8%, while Farmers raised its average 6.1%; Farm Bureau Financial Services’ and Progressive’s averages were unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the Leawood average above. Liability-only coverage at 25/50/10 limits rose 3.7%, led by Farmers, which raised its liability-only average 20.8%.
Leawood is in Johnson County, which averages about $209 a month for full coverage, the same as Leawood. Of the 11 Johnson County cities and towns we price, Mission is the most expensive, at $213, and Gardner the least expensive, at $199. Stilwell, to the south, averages $200, the third-lowest of the 74 Kansas cities and towns we price.
The Kansas City, Missouri, average uses these six insurers in Missouri, a different mix from Kansas. Progressive, priced in both states, averages about $162 a month in Leawood and $203 in Kansas City, Missouri.
More Kansas cities and towns are in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
Prairie Village, to the northwest, averages $212 a month, and Overland Park, to the west, $211. Lenexa, farther west, averages $209, and Kansas City, Kansas, farther north, $256. Our Kansas City, Missouri, car insurance guide covers the other side of State Line Road.
Drivers in Leawood follow Kansas’ rules. Every Kansas policy must include at least:
Our guide to Kansas car insurance requirements covers the no-fault rules, proof of insurance and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Kansas law and the Kansas Department of Insurance. We refresh these figures when new rate data is released.
Auto insurance in Leawood, KS, costs about $209 a month ($2,507 a year) for full coverage and $68 a month for liability only at 25/50/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 6% below the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Leawood table, at about $145 a month, effectively tied with GEICO at $149. USAA, which sells only to military families, is lower still, at about $107 a month. Among the six major insurers we compared, Progressive has the lowest full-coverage average, at about $162 a month, followed by State Farm at $185. For liability-only coverage at 25/50/10 limits, averages among the six major insurers we compared run from about $37 to $97 a month. Five of the nine statewide Kansas rate studies we reviewed, all five published in 2026, rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Full coverage averages about $209 a month in Leawood and about $227 across the 34 Kansas City, Missouri, ZIP codes in our Missouri data, about $18 a month more. Each average uses the six major insurers we compared in that state; Progressive, priced in both, averages about $162 a month in Leawood and $203 in Kansas City, Missouri.
Leawood drivers follow Kansas law, which requires at least $25,000 per person and $50,000 per crash in bodily injury liability and $25,000 in property damage liability. Every policy must also include personal injury protection, which pays at least $4,500 per person in medical bills and $900 a month in lost income for up to a year, and uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per crash. Our liability-only prices use 25/50/10 limits, a lower property damage limit than the law requires.
Kansas is a no-fault state for injuries. Your own personal injury protection pays first for your medical bills and lost income, whoever caused the crash. You can sue the other driver for pain and suffering only if your medical treatment is worth $2,000 or more or the injury is serious, such as a fracture of a weight-bearing bone, a permanent injury or death, and only if you’re less at fault than that driver. Damage to cars is paid by the at-fault driver’s liability coverage.
Kansas requires at least 25/50/25 liability, but that’s a floor. For our benchmark driver in Leawood, raising liability limits from 50/100/50 to 100/300/100, with the same $500 deductibles, adds about $83 a year (about $7 a month) on average. Higher limits protect your savings if you cause a serious crash, and Kansas policies match your uninsured motorist coverage to your liability limits unless you reject the extra in writing.
For our benchmark driver, full coverage in Leawood averages about $209 a month. Nearby, Prairie Village averages about $212, Overland Park about $211 and Shawnee about $210. Leawood is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
