The average cost of a full coverage car insurance policy in Olathe, Kansas is $1,411, lower than the statewide average in Kansas, which is $1,532. But Olathe drivers can save even more on their car insurance coverage by comparing quotes and shopping around before picking a policy.
Policygenius makes it easy to see options from top car insurance companies, so you can be sure you’re finding the best coverage at the most affordable rates.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Olathe, KS
Car insurance companies use lots of different factors when determining your rates. Some of these factors can’t be controlled, like your age and gender, but some you can work to improve, like your driving record or credit score.
The company you choose also affects how much you’ll pay, but the cheapest company for one driver isn’t always the best choice for another — that’s why you should take time to compare quotes before you buy a policy.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $64/month | 890 |
GEICO | $69/month | 874 |
Nationwide | $84/month | 868 |
State Farm | $86/month | 882 |
Auto-Owners Insurance | $98/month | 865 |
Cheapest car insurance rates by ZIP code in Olathe, KS
Rates will vary based on where in Olathe you live. Drivers in denser neighborhoods with busier streets will usually pay more, because more cars on the roads means more accidents and claims.
ZIP code | Average cost |
|---|---|
66061 | $1,408 |
66062 | $1,413 |
Choosing the right car insurance company in Olathe, KS
There’s a lot to think about when choosing the right car insurance company. Cost is a priority for most drivers, but you should also make sure you’re choosing a company with solid customer service ratings and all the types of coverage you need.
Policygenius can help you understand your options and compare rates, so you can feel confident you’re choosing the best coverage at the lowest price.
Car insurance rates for drivers with driving violations in Olathe, KS
Your motor vehicle report is like a report card for your driving, and insurance companies will look at your record to figure if you are more likely to have an accident and make a claim. More violations on your record means higher rates, so if you have had an accident or received a ticket or two, comparing quotes when renewing your insurance is even more important.
Violation | USAA | GEICO | Nationwide | State Farm | Auto-Owners Insurance |
|---|---|---|---|---|---|
At-fault accident | $1,150 | $1,647 | $1,653 | $1,191 | $1,694 |
Suspended license | $1,802 | $1,101 | $2,109 | $1,107 | $3,020 |
Open container | $1,103 | $1,101 | $1,251 | $1,107 | $1,547 |
Expired registration | $991 | $898 | $1,251 | $1,107 | $1,316 |
Driving without lights | $991 | $1,101 | $1,251 | $1,107 | $1,424 |
Running a red light | $991 | $1,101 | $1,251 | $1,107 | $1,424 |
Following too closely | $991 | $1,101 | $1,251 | $1,107 | $1,424 |
Hit and run | $2,069 | $3,104 | $2,109 | $1,107 | $3,020 |
Not-at-fault accident | $811 | $1,046 | $1,040 | $1,044 | $1,197 |
Passing a school bus | $1,103 | $1,101 | $1,251 | $1,107 | $1,636 |
Reckless driving | $1,103 | $2,172 | $2,109 | $1,107 | $2,099 |
Cheapest car insurance for drivers with a DUI in Olathe, KS
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,107 |
USAA | $1,915 |
Nationwide | $2,109 |
Auto-Owners Insurance | $3,020 |
GEICO | $3,104 |
Cheapest car insurance for drivers with a speeding ticket in Olathe, KS
Company | Rates for drivers with speeding tickets |
|---|---|
USAA | $991 |
GEICO | $1,101 |
State Farm | $1,107 |
Nationwide | $1,251 |
Auto-Owners Insurance | $2,099 |
Cheapest car insurance for drivers with bad credit in Olathe, KS
Most car insurance companies will use your credit history to help determine your rates, and a lower credit score generally means you’ll pay more for car insurance.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,284 |
USAA | $1,421 |
Nationwide | $1,532 |
Farm Bureau | $2,153 |
Travelers | $2,291 |
Buying car insurance in Olathe, KS
Most states require that drivers have at least a minimum amount of car insurance coverage. Here are the Kansas state requirements:
Bodily Injury Liability Coverage: $25,000 per person
Property Damage Liability coverage: $25,000 per accident
Personal Injury protection (PIP): $4,500 per accident
Uninsured/underinsured Motorist Coverage: $25,000 per person, $50,000 per accident
Kansas is a no-fault state, that means that after an accident, drivers have to seek reimbursement for injuries through their own car insurance company, no matter who was at fault. That’s why all Kansas drivers are required to have at least a minimum amount of PIP coverage, which covers medical bills and injury-related expenses after a car accident.
How to get cheap car insurance in Olathe, KS
There are a few simple tips for finding the best deal on car insurance, no matter who you are:
Compare quotes before you buy, so you can be sure that you are not missing out on a better deal somewhere else.
Make sure you understand the discounts you’re eligible for, like discounts for being a safe driver, paying your premium in full instead of monthly, driving fewer total miles each year, and belonging to organizations like AARP or AAA.
Bundle your policies. Getting auto and homeowners or renters insurance from the same company can earn you savings on both.
Shop before you renew. Even if you’re happy with your current company, you might be missing out on savings elsewhere, so reshop your car insurance yearly.
Frequently asked questions
Is car Insurance mandatory in Kansas?
Yes, it is illegal to not have car insurance in Kansas. Failure to maintain auto insurance is a Class B Misdemeanor which allows fines between $300 and $1,000 for a first-time offense, (or between $800 and $2,500 for subsequent convictions) There is also the possibility of jail time, and your future insurance rates may increase if you’ve been caught driving uninsured.
What auto insurance is required in Kansas?
Drivers in Kansas are required to have a minimum of $25,000 per person in bodily injury liability coverage and $25,000 per accident in property damage liability coverage, as well as $4,500 per accident in PIP coverage and $25,000 per person/$50,000 per accident in uninsured/underinsured motorist coverage.
Is Kansas an at-fault state or a no-fault state?
Kansas is a no-fault state, which means drivers who are in an accident will file a claim with their own insurance company. Drivers in no-fault states are required to have PIP coverage to cover their own medical bills in the event of an accident.
How much is car insurance per month in Kansas?
Drivers in Kansas pay an average of $1,532 per year for car insurance, which breaks down to $128 per month. Drivers in Olathe pay an average of $118 per month, which is $10 less than the state average.
