Compare Olathe, KS Car Insurance Rates (2022)

The cheapest Olathe, KS car insurance is offered by American Family, although rates will vary by driver. Auto insurance in Olathe must meet the state minimum requirements of 25/50/25 in liability coverage, 25/50 in uninsured-underinsured motorist coverage, and $4,500 in personal injury protection. These limits are low, and drivers should consider increasing their limits and adding additional coverage to save on out pocket Olathe car insurance costs.

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UPDATED: Jun 22, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Here's what you need to know...

  • American Family offers the cheapest car insurance to all drivers in Olathe, KS
  • Olathe, KS is part of the larger Kansas City, MO metropolitan area
  • Car insurance rates in Olathe are below average

Olathe, KS car insurance costs are fairly low. Although average Kansas car insurance rates are more expensive than the national average, Olathe rates are less than both the state and national averages.

Even though average rates are low, you still want to find the most affordable Olathe, KS car insurance out there. Compare rates from multiple companies to find cheap car insurance for you.

Monthly Olathe, KS Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Olathe, Kansas auto insurance rates by ZIP Code below:

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Olathe, KS Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Olathe, Kansas stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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Enter your ZIP code now to compare free Olathe, KS car insurance quotes today.

What is the cheapest car insurance company in Olathe, KS?

Although USAA actually offers the cheapest car insurance in Olathe, it only offers coverage to the military, veterans, and their families. American Family is the cheapest company that offers coverage to all Olathe drivers.

Which Olathe, KS car insurance company has the best rates? And how do those rates compare against the average Kansas car insurance company rates? We’ve got the answers below.

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The top Olathe, KS car insurance companies listed from least to most expensive are:

  • USAA – $2,038.20
  • American Family – $2,111.54
  • Nationwide – $2,439.86
  • State Farm – $2,725.68
  • GEICO – $2,896.90
  • Farmers – $3,661.61
  • Allstate – $3,735.92
  • Progressive – $3,980.76
  • Travelers – $4,113.05
  • Liberty Mutual – $4,654.82

Your car insurance rates are affected by many different factors, including your age, driving record, and credit history. Even the Olathe, KS weather can raise your rates since rain and snow can lead to more accidents.

Where you live can also impact your auto insurance rates. Drivers who live in larger cities with higher crime and traffic rates will pay more. For example, Wichita car insurance is more expensive than coverage in Olathe.

Olathe, KS car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Olathe car insurance rates. Find the cheapest Olathe, KS car insurance rates by coverage level below:

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Your credit score will play a significant role in your Olathe car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Olathe, KS car insurance rates by credit score below.

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Your driving record will play a major role in your Olathe car insurance rates. For example, other factors aside, a Olathe, KS DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Olathe, KS car insurance rates by driving record.

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Factors affecting car insurance rates in Olathe, KS may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Olathe, Kansas car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. KS does use gender, so check out the average monthly car insurance rates by age and gender in Olathe, KS.

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What car insurance coverage is required in Olathe, KS?

Most states, including Kansas, require drivers to carry at least a minimum amount of car insurance. Drivers in Olathe must carry:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • $4,500 in personal injury protection (PIP) coverage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

Kansas is a no-fault state, meaning that your car insurance will pay for damages and injuries no matter who caused the accident. This is why PIP coverage is required.

It’s easy to see that the minimum required coverage in Olathe will be exhausted quickly in a serious accident. Drivers should consider increasing limits and adding additional coverages such as comprehensive and collision to be fully insured.

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What affects car insurance rates in Olathe, KS?

Traffic can cause your car insurance rates to go up. More traffic equals a higher chance of being in an accident.

INRIX doesn’t have data for Olathe, but it does list nearby Kansas City, MO as the 86th most congested city in the U.S.

City-Data reports that most drivers in Olathe, KS commute around 20 minutes.

Theft can also drive your auto insurance rates up. According to the FBI, there were 152 motor vehicle thefts in Olathe in one year.

Olathe, KS Car Insurance: The Bottom Line

Rates in the city are pretty low but shop around before you buy Olathe, KS car insurance. Each company will charge different rates, and comparison shopping will help you find the best coverage at the cheapest rate.

Enter your ZIP code to compare Olathe, KS car insurance rates from multiple companies for free today.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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Monthly Olathe, KS Car Insurance Rates by ZIP Code
Olathe, KS Car Insurance Rates vs. Top US Metro Car Insurance Rates
Olathe, KS Car Insurance Rates by Company vs. City Average
Olathe, KS Car Insurance Rates by Company and Age
The Cheapest Olathe, KS Car Insurance Rates by Coverage Level
The Cheapest Olathe, KS Car Insurance Rates by Credit Score
The Cheapest Olathe, KS Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Olathe, KS
Average Monthly Car Insurance Rates by Age & Gender in Olathe, KS
Monthly Olathe, KS Car Insurance Rates by ZIP Code
Olathe, KS Car Insurance Rates vs. Top US Metro Car Insurance Rates
Olathe, KS Car Insurance Rates by Company vs. City Average
Olathe, KS Car Insurance Rates by Company and Age
The Cheapest Olathe, KS Car Insurance Rates by Coverage Level
The Cheapest Olathe, KS Car Insurance Rates by Credit Score
The Cheapest Olathe, KS Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Olathe, KS
Average Monthly Car Insurance Rates by Age & Gender in Olathe, KS