Best Car Insurance Companies in Overland Park – December 2022

A car is a valuable property, and you want to guarantee it’s well-protected in case of an accident. That’s why car insurance is so crucial, and it’s something you ought to look into before you buy a policy. There are a great deal of various car insurance companies out there, and they all have pros and cons. To assist you narrow down your choices, we’ve compiled a list of the very best car insurance companies in Overland Park, December 2022. We’ve thought about aspects like customer care, coverage options, discount rates, and more to assist you select the right insurance company for your needs.

Best Cheap Car Insurance Companies in Overland Park

Overland Park is one of the most expensive states for car insurance, so looking around for the best rates is important. The least expensive car insurance companies in Overland Park are Geico, State Farm, and Progressive. When searching for car insurance in Overland Park, compare rates from numerous companies to find the best offer.

Here are the leading 5 car insurance companies in Overland Park, December 2022:


Geico is Best Car Insurance Companies in Overland Park

Geico is one of the most well-known and oldest car insurance companies in the United States. The business was founded in 1936 and has actually ended up being the country’s second-largest auto insurance provider. Geico supplies a large range of insurance products, such as auto, house owners, renters, motorbikes, and boat insurance. The company is widely known for its effective advertising campaigns featuring Geico Gecko and other characters.

The Pros and Cons of Geico


  • Available in all 50 states. Geico is an insurance company that offers auto protection in every state. They provide car insurance to residents no matter where they reside in the United States.
  • User friendly. Geico has produced a easy to use site and mobile app that is straightforward, easy to utilize, and secure. You can use the platform to handle your insurance plan, file claims, and pay.
  • Lots of discount rates. You can save on your Geico insurance premiums by making the most of the discount rates they use, such as if you have a clean driving history or are a federal employee.


  • It just sells through Geico agents. If you’re thinking about dealing with an independent broker, they will not have the ability to price quote Geico policies. That’s since Geico only offers their policies straight and won’t partner with other companies. Nevertheless, if you ‘d like to compare your alternatives, we can show you prices quote from leading companies without inputting all of your info for each quote.
  • Geico doesn’t finance all of its other products. Geico partners with third-party companies to offer other insurance items, like homeowners insurance. That implies that Geico will fulfil your car claim, but you may need to take care of your homeowner’s insurance claim with an firm like AIG.

State Farm

State Farm

State Farm is a large and widely known auto insurance company in the United States. The business provides its customers with a wide range of protection choices, discount rates, and advantages. Furthermore, State Farm has a strong financial score and an extensive network of agents and claims agents. State Farm is an excellent choice for dependable and fairly priced car insurance. With over 80 years of market experience, they have actually supplied quality coverage to their customers at a affordable price. Moreover, they provide various discount rates and perks that can help you save a lot more money.

The Pros and Cons of State Farm


  • History business. The company has a long history of offering quality coverage and excellent client service, making it one of the most relied on names in the market.
  • Protection choices. State Farm offers detailed coverage alternatives so that you can customize your policy to your particular requirements.
  • Rates and discount rates. They use competitive rates and discount rates, conserving you money on your premium.
  • Quick and easy declares procedure. State Farm is understood for its fast and easy claims procedure, which can assist you get back on the road after an accident.


  • Widest range. The business doesn’t have the widest range of coverage options, so you may be unable to find a policy that exactly fits your requirements.
  • Greater rates. State Farm’s rates are normally on the higher side when compared to other insurance providers.
  • Slow processing. Some consumers have complained about the claims procedure, stating it can be slow and discouraging.


Allstate One of the Best Car Insurance Companies in Overland Park

Allstate is among the nation’s largest auto insurance companies, insuring over 16 million vehicles. They provide a wide range of protection choices and excellent client service. Allstate car insurance is not like your normal insurance plan. For starters, Allstate provides a pay-per-mile program. Driving less can assist you conserve money on your insurance premiums. It works by installing a gadget in your car that monitors your mileage. Then, at the end of every month, you send Allstate reports detailing the number of miles you drove. Allstate will calculate your premium for the following month based upon this details.

The Pros and Cons of Allstate


  • Available in all 50 states. Motorists all over the nation ( consisting of Florida, Alaska and Hawaii) can guarantee their vehicles with Allstate, which isn’t real of all of its competitors.
  • High claims fulfillment ratings. Allstate scored 876 out of 1000 on the 2020 J.D. Power Auto Claims Satisfaction Study, putting it above the market average and other significant car insurance companies like Geico, Safeco and Liberty Mutual.
  • Large range of discount rates readily available. Allstate uses a long list of discount rates for motorists, including cost savings for paying your policy completely, going paperless, and bundling your car with house insurance or another policy through Allstate.
  • Unique savings opportunities. Allstate likewise provides its signature Drivewise program. Participating drivers use an app that tracks their driving behaviour and can get cash off their premiums for safe driving.
  • Will guarantee high-risk motorists. In certain states, Allstate uses non-standard auto insurance for motorists considered “high-risk” and might have problem discovering protection from other insurance companies.


  • Our sample quote was greater than average. When we ran a sample quote for an typical chauffeur through Allstate, we got rates greater than the national average for car insurance. You may need to go into their discounts to get the best deal on your coverage.
  • Some middling customer rankings. While Allstate ratings well for claims satisfaction, its overall consumer scores are typical with third-party companies like J.D. Power and Consumer Reports.



Founded in 1922, USAA is a Fortune 500 business that uses a complete series of insurance and financial services items to more than 13 million members of the military community and their families.

With its headquarters in San Antonio, Texas, USAA has over 30,000 staff members and operates in all 50 states. The business’s insurance includes auto, house owners, life, health, and umbrella protection.

USAA regularly ranks amongst the best car insurance companies concerning customer fulfillment. In J.D. Power’s 2020 U.S. Auto Insurance Study, USAA got the highest possible score in every category, consisting of total fulfillment, claims fulfillment, policy offerings, rates, and billing process and interactions.

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In addition to its exceptional customer service rankings, USAA is also among the most budget friendly car insurance providers in Overland Park. In our study of the best low-cost car insurance companies in N.Y., USAA had an typical annual rate of $1,028– practically $400 less than the state typical!

The Pros and Cons of USAA


  • Competitive rates. Among the most considerable advantages of USAA auto insurance is its competitive rates. This is necessary due to the fact that it can save you a great deal of cash on your premiums.
  • Outstanding track record. USAA is a widely known and respected company that can offer you comfort regarding your coverage.
  • Deal many discounts. If you have multiple vehicles or are a safe driver, you may be eligible for discounts on your premium.
  • Have outstanding client service. If you have any concerns or problems with your policy, their customer support representatives will more than happy to help you.


  • Only run in certain states. This means that if you relocate to a various state, you will no longer be able to keep your policy with them.
  • Not cover all of the damages brought on by accident. This suggests that if your car is totalled, you may not get sufficient money from



There are a couple of things to think about when looking for the best car insurance companies in Overland Park. The first is cost. You’ll want to find a company that offers a reasonable rate on your premium. The second is coverage. You’ll want to ensure you get the right coverage for your requirements. And the 3rd is customer care. You’ll wish to discover a company with good customer service and easy to deal with. Concerning car insurance, progressive companies tend to be more pricey than others. But they likewise offer more protection choices, which can be worth the additional cost. Progressive deals numerous kinds of coverage, including accident, extensive, liability, and medical payments. They also have a range of discount rates readily available, including discount rates for good drivers, safe drivers, and chauffeurs who have actually taken a protective driving course.

If you’re looking for the best car insurance companies in Overland Park, rate isn’t the only thing you need to consider. Coverage and customer support are important elements also. However if you’re looking for a progressive business offering lots of coverage alternatives and discount rates, then advanced may be the ideal choice.

The Pros and Cons of Progressive


  • It offers a range of insurance options. So you can discover the protection that Best matches your requirements.
  • Among the biggest car insurers in the United States. so you can be confident that you’re getting trusted coverage.
  • Discount rates. Deals discounts for a variety of things, including safe driving, multi-car policies, and more
  • Trusted brand. It has a popular and relied on brand, so you can be sure you’re getting quality protection.


  • The company does not have the most prolonged history in the industry. Founded in 1937, Progressive is one of the newer insurers compared to companies like State Farm and Allstate. Depending on your viewpoint, this could be viewed as positive or negative.
  • Progressive may not have the most thorough selection of protection alternatives available. While they use standard car insurance protection, they might not have as lots of add-on alternatives as other insurers.
  • Progressive’s rates are not always the cheapest. They are often competitive, however there are in some cases more affordable choices. This is why it’s constantly essential to compare rates from several insurance companies before making a decision.
  • Some clients have grumbled about customer support concerns with Progressive. While this is certainly not universal, it is something to be knowledgeable about if you’re considering them as your insurer.

How Much Does Car Insurance Cost in Overland Park?

Overland Park car insurance rates are a few of the highest in the nation, however there are still ways to conserve. Let’s take a look at the average cost of car insurance in Overland Park and a few of the very best ways to get cheaper protection.

How Much Does Average Car Insurance Cost in Overland Park?

The average expense of car insurance in Overland Park is practically $400 above the national average. The high expense of car insurance in Overland Park is primarily due to the high number of accidents and thefts in the state.

Numerous elements affect the expense of car insurance in Overland Park. These consist of the type of vehicle you drive, your driving record, your age, where you live, and the amount of coverage you require.

If you’re looking for methods to save money on car insurance in Overland Park, consider raising your deductible, benefiting from discount rates, and shopping around for the best rates.

How to Find the very best Car Insurance in Overland Park?

If you’re trying to find the best car insurance in Overland Park, there are a couple of things you’ll want to remember. First, consider your requirements and budget plan. What kind of protection do you require? How Much can you pay for to spend? When you have a good idea of what you’re looking for, begin comparing rates from different insurance companies.

A couple of terrific resources can assist you compare rates and discover the best deal. The Overland Park State Insurance Department’s site lists insurance companies and their contact info. You can likewise utilize an online quote contrast tool like The Zebra to get quotes from numerous insurance providers.

When you’re prepared to buy, shop around and compare rates prior to choosing a policy. Also, ensure you understand your policy’s terms before signing on the dotted line.

Car Insurance Discounts in Overland Park

There are numerous discount rates readily available to Overland Park chauffeurs regarding car insurance. Lots of insurance companies offer a discount rate for taking chauffeur’s education courses, and there are likewise discount rates readily available for young drivers who preserve good grades in school. Additionally, some insurance companies offer a “pay-as-you-drive” discount rate based on the amount of driving you do each year.

You may be qualified for several discount rates if you have a clean driving record, consisting of a safe driver discount or a excellent student discount. Some insurance companies likewise provide discount rates for installing specific safety gadgets in your cars, such as anti-theft or mishap avoidance systems. Lastly, many insurers use commitment discount rates for clients who have actually been with the company for a certain period.

Frequently Asked Questions

What Are the Different Types of Car Insurance Coverage Offered in Overland Park?

There are various types of best car insurance protection readily available in Overland Park. The most common types are accident, thorough, liability, and accident defense (PIP). Crash protection pays for damage to your vehicle if you collide with another item. In contrast, extensive protection spends for damage to your car from events such as fire, theft, or vandalism. Liability protection secures you if you are responsible for damages or injuries caused to another individual. At the very same time, PIP spends for medical expenses and lost wages if you are hurt in a car mishap.

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What Are the Minimum Liability Requirements for Car Insurance in Overland Park?

The minimum liability requirements for car insurance in Overland Park are $25,000/$50,000/$10,000. Your insurer will pay up to $25,000 for injuries sustained by someone in an accident, $50,000 for injuries sustained by 2 or more people in an mishap, and $10,000 for property damage brought on by mishap. However, it is important to keep in mind that these are only the minimum requirements, and you may need greater limitations depending on your situation.

How Can I Get the Best Deal on Car Insurance in Overland Park?

You can do a few things to get the very best offer on car insurance in Overland Park. One is to search and compare rates from various companies. Another is to make the most of discount rates that might be readily available, such as a good chauffeur discount or a discount for having numerous policies with the same business. You can likewise raise your deductible to decrease your premium.

What Other Factors Should I Consider When Shopping for Car Insurance in Overland Park?

When searching for the best car insurance companies in Overland Park, you should think about other factors, such as your vehicle type, driving history, and scenarios. For instance, if you live in an area with a high criminal activity rate, you might wish to purchase detailed protection to safeguard your vehicle from theft or vandalism. If you have a bad driving history, you might wish to buy higher limitations of liability coverage.

What is the Best Car Insurance in Overland Park?

When it pertains to car insurance, there is no one-size-fits-all response. The best car insurance for you will depend on a number of factors, including your driving record, the value of your car, and your spending plan.

That said, some insurance companies are cheaper than others in Overland Park. Based on our research study, the three most affordable car insurance companies in Overland Park are Geico, Progressive, and State Farm.

Geico is the biggest car insurance provider in the United States and uses a variety of discount rates, consisting of for great drivers and members of particular expert companies.

Progressive is another large insurance company with a wide range of discount rates for safe chauffeurs and those who register for automatic payments.

State Farm is the biggest supplier of house owners’ insurance in the United States and likewise uses auto insurance. It provides a range of discounts, including for safe drivers and great trainees.

Is Car Insurance Required in Overland Park?

Yes, car insurance is needed in Overland Park. All chauffeurs in Overland Park need to have liability insurance, which covers damages to other individuals and property in the event of an accident. You must likewise have uninsured/underinsured vehicle driver protection, which protects you if you’re struck by a driver who does not have insurance or doesn’t have enough insurance to cover your damages.

How Much Car Insurance Do I Need in Overland Park?

Overland Park law needs all drivers to have car insurance. The minimum coverage you should buy is $25,000 for physical injury liability per person, $50,000 for physical injury liability per accident, and $10,000 for home damage liability per accident. However, these are only the minimum quantities required by law. You may wish to buy more than the minimum limitations to secure yourself financially.

Can Bad Credit Affect the Cost of My Car Insurance?

Many think their credit history will not affect their car insurance rates, however this is not constantly the case. In Overland Park, insurance providers can use your credit details when calculating your premium. This practice is called “credit-based insurance scoring” and can significantly impact your car insurance expense.

If you have a bad credit history, you might be viewed as a high-risk driver and be required to pay a higher premium. On the other hand, if you have a great credit history, you may be eligible for discount rates and might end up paying less for your car insurance.

All insurance providers do not utilize credit-based insurance scoring in Overland Park, so it’s necessary to shop around and compare rates from numerous companies prior to choosing a policy. Make certain to ask each insurance provider if they utilize credit information when setting rates and how it might impact your premium.

Why is Car Insurance Expensive in Overland Park?

Overland Park car insurance rates are expensive because of the high expense of living in the state. Overland Park have to pay more for gas, repair work, and other car-related expenses than people in other states. The Overland Park spends about $2,200 a year on car insurance, nearly double the nationwide average.

There are a few reasons car insurance is so expensive in Overland Park. One reason is that the state has a great deal of densely populated locations. This means that there are more cars and trucks on the roadway and more opportunities for mishaps to happen. Overland Park also has lots of traveler attractions, implying out-of-state chauffeurs are most likely to enter into mishaps.

Another reason car insurance is costly in Overland Park is that the state requires all chauffeurs to carry accident security (PIP) protection. PIP spends for medical costs and lost salaries if you’re hurt in an mishap. It’s required in the majority of states, however Overland Park’s PIP protection is among the most extensive and costly in the nation.

If you reside in Overland Park or are thinking about moving there, comparing car insurance rates from various companies before purchasing a policy is vital. The rates can vary significantly from business to business, so it pays to look around. You can use our tool below to compare rates from different companies and find the best deal for your scenario.

Why Do Car Insurance Rates Vary by Company and Driver?

There are numerous factors that insurance companies take into account when setting rates, consisting of the chauffeur’s age, gender, driving history, and the type of car being insured. Nevertheless, the most important elements are company-specific underwriting requirements and claims experience.

Underwriting is the insurance company’s process to choose whether to accept or reject a potential consumer. Each company has various underwriting requirements, so some may be more willing to insure high-risk chauffeurs than others. Claims experience is another essential element that can trigger rates to vary from company to company. If an insurance company has actually had a lot of claims submitted versus it in a particular state or for a specific type of vehicle, it might charge greater rates to offset its losses.

The very best way to figure out which business has the very best rates for you is to shop around and compare quotes from numerous insurers. Make certain you’re comparing apples to apples by getting quotes for the exact same level of protection from each business. And do not forget to ask about any discount rates that may be available.

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