For a 40-year-old driver with a clean record, car insurance in Overland Park, KS, averages about $211 a month ($2,527 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That puts it 5% under Kansas’ $222 monthly average. Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Overland Park table, at about $145 a month.
Overland Park, Kansas’ second-largest city, costs about $11 a month less than the Kansas average for our benchmark driver and about $45 a month less than Kansas City, Kansas, about nine miles north. Of the eight Kansas cities with three or more ZIP codes in our data, it’s the third-most expensive, after Kansas City and Wichita.
Our data covers nine ZIP codes with an Overland Park mailing address, priced within about $6 a month of each other. Census Bureau maps show the city also takes in parts of ZIP codes with Leawood, Olathe, Mission, Stilwell and Spring Hill mailing addresses, which we price under those names. When you compare auto insurance quotes in Overland Park, KS, the insurer you pick matters more than your ZIP code.
Cost data comes from the auto rates insurers file with state regulators, priced across all nine Overland Park 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 Overland Park, KS, costs about $211 a month ($2,527 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $824 a year ($69 a month), and 50/100/50 liability with comprehensive and collision averages $2,443 ($204 a month).
These are the averages for 10 car insurance companies in Overland Park, 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 Overland Park
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 | $444 | $37 | $1,949 | $162 |
| State Farm | $695 | $58 | $2,232 | $186 |
| American Family | $1,010 | $84 | $2,443 | $204 |
| Farmers | $981 | $82 | $2,605 | $217 |
| Farm Bureau Financial Services | $654 | $55 | $2,753 | $229 |
| Allstate | $1,161 | $97 | $3,182 | $265 |
| USAA (military families)* | $495 | $41 | $1,293 | $108 |
| Travelers* | $746 | $62 | $1,742 | $145 |
| GEICO* | $591 | $49 | $1,796 | $150 |
| Shelter Insurance* | $1,142 | $95 | $2,325 | $194 |
| Overland Park average | $824 | $69 | $2,527 | $211 |
This table uses Overland Park ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the nine Overland Park ZIP codes we price, full coverage for our driver ranges from about $207 a month in 66213 to $213 in 66204 and 66223, a gap of $70 a year. 66213 is about six miles south of downtown, and the two priciest of the nine Overland Park ZIP codes we price are at opposite ends of the city: 66204, within a mile of downtown, and 66223, about eight miles south.
Lowest-priced Overland Park ZIP codes
Highest-priced Overland Park ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Overland Park’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: |
|---|---|---|---|---|---|
| 66204 | $836 | $70 | $2,550 | $213 | +1% |
| 66207 | $824 | $69 | $2,530 | $211 | About average |
| 66210 | $835 | $70 | $2,524 | $210 | About average |
| 66212 | $847 | $71 | $2,519 | $210 | About average |
| 66213 | $809 | $67 | $2,484 | $207 | -2% |
| 66214 | $836 | $70 | $2,534 | $211 | About average |
| 66221 | $792 | $66 | $2,511 | $209 | -1% |
| 66223 | $817 | $68 | $2,554 | $213 | +1% |
| 66224 | $822 | $69 | $2,541 | $212 | About average |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $84 a year on average in our Overland Park 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.
For our benchmark driver, full coverage isn’t going up. Comparing the five insurers that are in both sets of rates, in the same Overland Park ZIP codes, their full-coverage average fell from $2,597 a year 10 months earlier to $2,396 in rates as of Sept. 30, 2026, a 7.7% drop. American Family cut its Overland Park average 28.2% and State Farm 7.7%, while Farmers raised its average 5.8%; 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 Overland Park average above. Liability-only coverage at 25/50/10 limits rose 4.0%, led by Farmers, which raised its liability-only average 20.7%.
Overland Park is in Johnson County, which averages about $209 a month for full coverage across the 30 ZIP codes we price there, about $13 a month below the Kansas average.
Across the county line to the north, Wyandotte County, home to Kansas City, averages $251, the fifth-most expensive of the 41 Kansas counties we price, while none of Johnson County’s 30 ZIP codes averages more than $214 a month.
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.
Leawood, to the east, averages $209 a month, and Prairie Village, about two miles east, $212. Lenexa, about four miles southwest, averages $209, and Olathe, about 11 miles southwest, $203.
Drivers in Overland Park 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 Overland Park, KS, costs about $211 a month ($2,527 a year) for full coverage and $69 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 5% below the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Overland Park table, at about $145 a month, followed by GEICO at $150. USAA, which sells only to military families, is lower still, at about $108 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 $186. 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.
Overland Park, for our benchmark driver. Overland Park full coverage averages about $211 a month and Kansas City, Kansas, about $256, a difference of about $45 a month for the same driver and car.
In our data, 66213 has the lowest full-coverage average in Overland Park, at about $207 a month, and 66204 and 66223 the highest, at about $213. The ZIP code table on this page lists all nine.
In our Overland Park data, full coverage (100/300/100 with $500 deductibles) averages about $211 a month and liability-only coverage at 25/50/10 limits about $69, a difference of about $142 a month ($1,703 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 Overland Park full-coverage average fell 7.7%, from about $2,597 to $2,396 a year. That’s lower than the Overland Park average of $2,527 because it leaves out Allstate. American Family cut its Overland Park average 28.2% and State Farm 7.7%, while Farmers raised its average 5.8%. Liability-only coverage at 25/50/10 limits rose 4.0%.
For our benchmark driver, full coverage in Overland Park averages about $211 a month. Nearby, Shawnee averages about $210, Prairie Village about $212 and Leawood about $209. Shawnee and Leawood are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
