For a 40-year-old driver with a clean record, car insurance in Olathe, KS, averages about $203 a month ($2,438 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That puts it 9% under Kansas’ $222 monthly average. Among insurers anyone can buy from, Travelers has the lowest full-coverage average in our Olathe table, about $138 a month, effectively tied with GEICO’s $143.
Olathe, the Johnson County seat, is among the 10 least expensive of the 74 Kansas cities and towns we price: full coverage averages about $203 a month for our benchmark driver, about $19 a month less than the Kansas average.
Our data covers two ZIP codes with an Olathe mailing address, 66061 and 66062, and they’re priced about the same, so the insurer you choose matters more than where you live when you compare car insurance quotes in Olathe, KS. Census Bureau maps show that 66062 also takes in part of Overland Park.
Cost data comes from the auto rates insurers file with state regulators, priced across both Olathe 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.
Auto insurance in Olathe, KS, costs about $203 a month ($2,438 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $767 a year ($64 a month), and 50/100/50 liability with comprehensive and collision averages $2,362 ($197 a month).
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 $34 to $94 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 Olathe
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 | $412 | $34 | $1,935 | $161 |
| Farmers | $811 | $68 | $2,125 | $177 |
| State Farm | $673 | $56 | $2,269 | $189 |
| American Family | $947 | $79 | $2,370 | $198 |
| Farm Bureau Financial Services | $636 | $53 | $2,754 | $230 |
| Allstate | $1,122 | $94 | $3,174 | $265 |
| USAA (military families)* | $456 | $38 | $1,233 | $103 |
| Travelers* | $686 | $57 | $1,661 | $138 |
| GEICO* | $544 | $45 | $1,712 | $143 |
| Shelter Insurance* | $1,051 | $88 | $2,217 | $185 |
| Olathe average | $767 | $64 | $2,438 | $203 |
This table uses Olathe 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.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $76 a year on average in our Olathe data, with the same $500 deductibles. That’s about $6 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. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
For our benchmark driver, full coverage isn’t going up. Comparing the five insurers that are in both sets of rates, in the same Olathe ZIP codes, their full-coverage average fell from $2,505 a year 10 months earlier to $2,290 in rates as of Sept. 30, 2026, an 8.6% drop. American Family cut its Olathe average 29.5% and State Farm 8.0%, while Farmers raised its average 5.7%; 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 Olathe average above. Liability-only coverage at 25/50/10 limits rose 3.7%, led by Farmers, which raised its liability-only average 20.7%.
Johnson County averages about $209 a month for full coverage, below the Kansas average, and Olathe costs about $6 a month less than the county as a whole. Spring Hill, about 10 miles south, averages $206.
Gardner, about eight miles southwest, averages $199 a month, the lowest of the 74 Kansas cities and towns we price, and Stilwell, also in Johnson County, $200.
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.
Lenexa, about seven miles northeast, averages $209 a month, and Overland Park, about 11 miles away, $211. Kansas City, Kansas, about 19 miles northeast, averages $256.
Drivers in Olathe 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 Olathe, KS, costs about $203 a month ($2,438 a year) for full coverage and $64 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 9% below the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Olathe table, at about $138 a month, effectively tied with GEICO at $143. USAA, which sells only to military families, is lower still, at about $103 a month. Among the six major insurers we compared, Progressive has the lowest full-coverage average, at about $161 a month, with Farmers close behind at $177. For liability-only coverage at 25/50/10 limits, averages among the six major insurers we compared run from about $34 to $94 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.
Olathe, for our benchmark driver. Olathe full coverage averages about $203 a month and Overland Park about $211, a difference of about $8 a month for the same driver and car.
They’re about the same for our benchmark driver: 66062 averages about $203 a month for full coverage and 66061 about $204, only $11 a year apart.
In our Olathe data, full coverage (100/300/100 with $500 deductibles) averages about $203 a month and liability-only coverage at 25/50/10 limits about $64, a difference of about $139 a month ($1,671 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Kansas law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past 10 months), their Olathe full-coverage average fell 8.6%, from about $2,505 to $2,290 a year. That’s lower than the Olathe average of $2,438 because it leaves out Allstate. American Family cut its Olathe average 29.5% and State Farm 8.0%, while Farmers raised its average 5.7%. Liability-only coverage at 25/50/10 limits rose 3.7%.
For our benchmark driver, full coverage in Olathe averages about $203 a month. Nearby, Lenexa averages about $209, Gardner about $199 and Overland Park about $211. Gardner is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
