How to Find Cheap Olathe Auto Insurance Quotes
Olathe has the lowest full-coverage average of the five largest cities in Kansas in our data: about $203 a month for our benchmark driver, 9% below the state average. That’s roughly $38 a month less than Wichita and $53 less than Kansas City, Kansas.
Our Olathe figures come from its two main residential ZIP codes, 66061 and 66062. Because that’s a smaller sample than we use for a city-level insurer ranking, the table on this page shows statewide prices by insurer.
Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services.
How Much Does Auto Insurance Cost in Olathe, KS?
- State Minimum Liability: about $64 a month ($767 a year), close to the Kansas average.
- Full Coverage: about $203 a month ($2,438 a year), 9% below the Kansas average.
Olathe averages come from filed rates compiled by Quadrant Information Services for one benchmark driver (single, 40, good credit, clean record, 2024 Toyota Camry LE) in ZIP codes 66061 and 66062. Methodology.
Cost data comes from insurers’ filed auto rates across the 2 Olathe ZIP codes we price, compiled by Quadrant Information Services and updated as new rates are filed.
Which Company Has the Cheapest Car Insurance in Kansas? (Statewide)
- Across Kansas, Progressive posts the lowest average full-coverage price in our data, about $184 a month ($2,202 a year); State Farm ($193) and American Family ($201) are within 10%.
- For state-minimum liability, Progressive is also cheapest statewide at roughly $34 a month ($413 a year).
- In Olathe itself, the six insurers’ prices average about $203 a month for full coverage and $64 for minimum coverage.
The table shows statewide averages by insurer across 135 Kansas ZIP codes, not Olathe-only prices. Travelers and GEICO, listed last, often come in below these statewide averages.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| Progressive | $413 | $34 | $2,202 | $184 |
| State Farm | $619 | $52 | $2,310 | $193 |
| American Family | $901 | $75 | $2,417 | $201 |
| Farmers | $862 | $72 | $2,497 | $208 |
| Farm Bureau Financial Services | $582 | $49 | $3,071 | $256 |
| Allstate | $1,134 | $95 | $3,497 | $291 |
| Travelers* | $526 | $44 | $1,959 | $163 |
| GEICO* | $449 | $37 | $2,078 | $173 |
| Shelter* | $845 | $70 | $2,546 | $212 |
Olathe vs. Other Johnson County Cities
Olathe is among the least expensive places in Johnson County in our data. Full coverage averages about $203 a month here, compared with $211 in Overland Park, $209 in Lenexa and $210 in Shawnee. Only Gardner ($199) and Stilwell ($200) come in lower.
The two Olathe ZIP codes we sampled are almost identical: about $203 a month in 66062 and $204 in 66061.
For our driver, raising liability from 50/100/50 to 100/300/100 costs about $6 a month more.
Nearby Kansas city guides: same driver, same coverage, filed rates as of August 31, 2026.
Every Kansas city we price is in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
How Much Car Insurance Do I Need in Kansas?
Though you may need higher coverage, here are the minimum car insurance requirements in Kansas if you are looking for state minimum liability coverage you’ll need:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- Personal injury protection (PIP): $4,500 per person for medical care, $900 a month for up to a year of lost income, $4,500 for rehabilitation, $2,000 for funeral costs and $25 a day for in-home help
- Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident
The minimum won’t cover damage to your own car. In Olathe, full coverage costs about $139 a month more than a minimum policy in our data, and that difference is what pays for collision, hail and theft claims.
How to Save Money on Your Auto Policy
Olathe already prices below most of Kansas. These steps can bring your own premium lower:
- Compare several insurers: Statewide, the gap between the cheapest and most expensive company in our data is more than $100 a month for full coverage.
- Keep strong liability limits: Upgrading to 100/300/100 costs about $6 a month more in Olathe.
- Bundle home and auto: Johnson County homeowners can usually save with a multi-policy discount.
- Ask about teen-driver options: If you’re adding a young driver, ask about good-student and driver-training discounts before you add them.
- Re-shop every renewal: Filed rates change regularly, so last year’s cheapest option may not be this year’s.
Olathe is the least expensive of Kansas’s five biggest cities for car insurance: about $203 a month ($2,438 a year) for full coverage and $64 for state minimum, for a 40-year-old with a clean record, based on filed rates as of August 31, 2026. That is 9% below the Kansas average and the lowest of the state’s five largest cities in our data.
One of the easiest discounts to get is a multi-policy discount. If you own a home, compare Kansas home insurance rates while you shop for car insurance.
How We Calculated Olathe Car Insurance Rates
InsuranceQuotes analyzes insurers’ filed auto rates compiled by Quadrant Information Services, which models premiums from the rate filings insurers submit to state regulators. This page uses rates in effect on August 31, 2026.
- Sample: 28 quotes (14 full coverage and 14 state minimum) from 7 insurance companies, grouped into 6 brands, in 2 Olathe ZIP codes (66061 and 66062).
- Driver: a single 40-year-old man, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE he owns, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the coverage Kansas requires: 25/50/25 liability, PIP and uninsured/underinsured motorist coverage.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the city’s ZIP codes. The city average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business.
- Other insurers: when an insurer’s filed rate for this driver isn’t in our data yet, its average is estimated from 2026 published rate studies and scaled to the same driver and coverage. Those insurers aren’t used for our cheapest-insurer rankings.
- What this isn’t: a quote. These are modeled filed rates for one driver profile. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Kansas coverage requirements come from the Kansas Insurance Department’s auto shopper’s guide. We refresh these figures when new filed-rate data is released.
About $203 a month ($2,438 a year) for full coverage and $64 a month ($767 a year) for state-minimum coverage, for our benchmark 40-year-old driver, based on insurers’ filed rates as of August 31, 2026 in ZIP codes 66061 and 66062.
Every Kansas policy must include liability of at least $25,000 per person and $50,000 per accident for injuries and $25,000 for property damage, uninsured/underinsured motorist coverage at 25/50, and PIP that pays at least $4,500 per person for medical care plus lost-wage, rehabilitation and funeral benefits. Olathe has no local rules beyond the state’s.
Yes. Your own PIP coverage pays your medical bills and lost wages after a crash no matter who caused it. You can still sue the at-fault driver for pain and suffering if your medical treatment reaches $2,000 or you have a serious injury, such as a fracture to a weight-bearing bone or a permanent injury.
We rank insurers statewide for Olathe because our sample there is 2 ZIP codes. Statewide, Progressive has the lowest full-coverage average at about $184 a month, with State Farm ($193) and American Family ($201) close behind. Travelers and GEICO often price lower still in Kansas. More on our Kansas car insurance rates page.
Slightly. Full coverage averages about $203 a month in Olathe versus $211 in Overland Park in our data, about $8 a month less.
Olathe is one of the less expensive big cities in Kansas, but the biggest savings still come from comparing insurers. Keep comprehensive if your car is newer or financed, since hail is common across the metro.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
