Insurance Costs in Overland Park, KS
Auto insurance in Overland Park averages $1,517 per year for full coverage, which is lower than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Overland Park, KS: What You Need to Know
Overland Park residents pay an average of $1,517 per year for full coverage auto insurance, which is 8.0% below the Kansas state average and 9.4% below the national average.
With a population of 197,238, Overland Park is a mid-size city in Kansas. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,517 | $126 |
| Standard Coverage (50/100/50) | $1,244 | $104 |
| State Minimum (25/50/25) | $637 | $53 |
Homeowners Insurance in Overland Park, KS
The average cost of homeowners insurance in Overland Park is $2,645 per year ($220/month), which is 45.3% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Overland Park, KS
Renters insurance in Overland Park averages $216 per year ($18/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Kansas Cities
How to Save on Insurance in Overland Park
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Overland Park can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Overland Park, KS?
The average cost of car insurance in Overland Park, KS is $1,517 per year for full coverage, or about $126 per month. Minimum coverage costs around $637 per year.
Is car insurance expensive in Overland Park?
Car insurance in Overland Park is relatively affordable compared to many U.S. cities.
How much is home insurance in Overland Park?
Homeowners insurance in Overland Park costs an average of $2,645 per year. Your actual cost depends on your home's value, age, construction type, and specific location.