For a 40-year-old driver with a clean record, car insurance in Prairie Village, KS, averages about $212 a month ($2,545 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 5% under Kansas’ $222 monthly average. Among insurers anyone can buy from, Travelers has the lowest full-coverage average in our Prairie Village table, about $148 a month, effectively tied with GEICO’s $153.
Prairie Village, in northeast Johnson County, is priced close to its neighbors for our benchmark driver: full coverage averages about $212 a month here, $211 in Overland Park and $209 in Leawood, all below the Kansas average of $222.
Our data covers one ZIP code with a Prairie Village mailing address, 66208, so every price on this page is for it. Census Bureau maps show that parts of the city have Overland Park (66207) or Mission (66202) mailing addresses; for the same driver, 66207 averages about $211 a month and 66202 about $213.
Cost data comes from the auto rates insurers file with state regulators, priced in Prairie Village’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Car insurance in Prairie Village, KS, costs about $212 a month ($2,545 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $828 a year ($69 a month), and 50/100/50 liability with comprehensive and collision averages $2,461 ($205 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 $38 to $99 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 Prairie Village
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 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 | $453 | $38 | $1,992 | $166 |
| State Farm | $711 | $59 | $2,240 | $187 |
| American Family | $944 | $79 | $2,355 | $196 |
| Farmers | $1,020 | $85 | $2,740 | $228 |
| Farm Bureau Financial Services | $650 | $54 | $2,751 | $229 |
| Allstate | $1,192 | $99 | $3,189 | $266 |
| USAA (military families)* | $510 | $43 | $1,318 | $110 |
| Travelers* | $767 | $64 | $1,776 | $148 |
| GEICO* | $608 | $51 | $1,830 | $153 |
| Shelter Insurance* | $1,175 | $98 | $2,370 | $198 |
| Prairie Village average | $828 | $69 | $2,545 | $212 |
This table uses Prairie Village’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $84 a year on average in our Prairie Village 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 Prairie Village ZIP code, their full-coverage average fell from $2,618 a year nine months earlier to $2,416 in rates as of Aug. 31, 2026, a 7.7% drop. American Family cut its Prairie Village average 29.3% 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 nine months, so it’s left out, which is why these averages differ from the Prairie Village average above. Liability-only coverage at 25/50/10 limits rose 3.8%, led by Farmers, which raised its liability-only average 21.0%.
Prairie Village is in Johnson County, which averages about $209 a month for full coverage. Mission, to the northwest, averages $213 across its two ZIP codes, the highest of the 11 Johnson County cities and towns we price, and Leawood, to the southeast, $209.
Among these six insurers, Progressive’s lead is wide in Prairie Village: it averages about $166 a month for full coverage, about $21 less than State Farm, the next lowest of them.
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.
Kansas City, Kansas, about eight miles north, averages $256 a month, and Shawnee, to the northwest, $210. Olathe, the Johnson County seat, averages $203.
Drivers in Prairie Village 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 Aug. 31, 2026.
Coverage requirements come from Kansas law and the Kansas Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Prairie Village, KS, costs about $212 a month ($2,545 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 Aug. 31, 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 Prairie Village table, at about $148 a month, effectively tied with GEICO at $153. USAA, which sells only to military families, is lower still, at about $110 a month. Among the six major insurers we compared, Progressive has the lowest full-coverage average, at about $166 a month, followed by State Farm at $187. For liability-only coverage at 25/50/10 limits, averages among the six major insurers we compared run from about $38 to $99 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.
Not every address. This page uses ZIP code 66208, the only ZIP code with a Prairie Village mailing address in our data, where full coverage averages about $212 a month for our benchmark driver. Parts of the city have Overland Park (66207) or Mission (66202) mailing addresses, according to Census Bureau maps; 66207 averages about $211 a month and 66202 about $213.
They’re about the same for our benchmark driver: Prairie Village full coverage averages about $212 a month and Overland Park about $211.
In our Prairie Village data, full coverage (100/300/100 with $500 deductibles) averages about $212 a month and liability-only coverage at 25/50/10 limits about $69, a difference of about $143 a month ($1,717 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 nine months), their Prairie Village full-coverage average fell 7.7%, from about $2,618 to $2,416 a year. That’s lower than the Prairie Village average of $2,545 because it leaves out Allstate. American Family cut its Prairie Village average 29.3% and State Farm 7.7%, while Farmers raised its average 5.8%. Liability-only coverage at 25/50/10 limits rose 3.8%.
For our benchmark driver, full coverage in Prairie Village averages about $212 a month. Nearby, Overland Park averages about $211, Leawood about $209 and Shawnee about $210. Overland Park, Leawood and Shawnee are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
