Buy Cheap Olathe, KS Auto Insurance in 2024
Olathe, KS auto insurance rates average $270 a month. Minimum auto insurance requirements in Olathe, Kansas are 25/50/25 to comply with Kansas laws. To buy cheap auto insurance in Olathe, KS, compare Olathe auto insurance quotes from top companies.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Olathe, KS are $270/month
- Average auto insurance rates in Olathe, KS after a DUI are $3,874/year
- The most expensive auto insurance company in Olathe is Liberty Mutual
Finding affordable Olathe, Kansas auto insurance can be challenging, but everything you need to know to buy cheap Olathe, KS auto insurance with confidence is right here. Auto insurance rates in Olathe are affected by local factors as well as personal ones like your driving record.
See how Olathe, KS car insurance rates compare to Kansas City auto insurance rates, Lawrence auto insurance rates, and Shawnee auto insurance rates before you read more about the cost of auto insurance in Olathe.
Don’t buy Olathe, KS auto insurance until you’ve compared rates. Get free Olathe, Kansas auto insurance quotes when you enter your ZIP code above.
Olathe, KS Minimum Auto Insurance Requirements
The required auto insurance in Olathe, KS is 25/50/25 according to the auto insurance laws in Kansas. The minimum auto insurance in Olathe, Kansas is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Olathe, KS Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Olathe, KS. Take a look at Olathe, Kansas auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $4,608 | $3,534 | $3,066 |
| American Family | $2,759 | $1,947 | $1,629 |
| Farmers | $4,281 | $3,451 | $3,253 |
| Geico | $4,502 | $2,380 | $1,808 |
| Liberty Mutual | $4,655 | $4,655 | $4,655 |
| Nationwide | $2,675 | $2,405 | $2,240 |
| Progressive | $4,523 | $3,847 | $3,573 |
| State Farm | $3,969 | $2,372 | $1,837 |
| Travelers | $4,724 | $3,881 | $3,734 |
| USAA | $2,757 | $1,837 | $1,520 |
Buy Cheap Olathe, KS Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Olathe, Kansas auto insurance rates? Find out how car insurance rates in Olathe, KS are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,459 | $2,365 | $2,233 | $2,291 | $7,272 | $8,233 | $2,482 | $2,552 |
| American Family | $1,632 | $1,632 | $1,476 | $1,476 | $3,261 | $3,939 | $1,632 | $1,844 |
| Farmers | $2,425 | $2,398 | $2,157 | $2,265 | $7,104 | $7,352 | $2,736 | $2,855 |
| Geico | $2,208 | $2,155 | $2,235 | $2,080 | $4,252 | $5,750 | $2,636 | $1,859 |
| Liberty Mutual | $2,158 | $2,324 | $2,120 | $2,366 | $11,106 | $12,387 | $2,303 | $2,474 |
| Nationwide | $1,708 | $1,746 | $1,532 | $1,638 | $3,926 | $4,761 | $2,041 | $2,167 |
| Progressive | $2,208 | $2,075 | $1,788 | $1,869 | $8,701 | $9,782 | $2,614 | $2,809 |
| State Farm | $1,684 | $1,684 | $1,510 | $1,510 | $5,012 | $6,321 | $1,904 | $2,181 |
| Travelers | $1,905 | $1,932 | $1,897 | $1,911 | $8,204 | $12,841 | $1,964 | $2,251 |
| USAA | $1,161 | $1,164 | $1,081 | $1,069 | $4,284 | $4,428 | $1,542 | $1,578 |
Buy Cheap Olathe, KS Auto Insurance for Teen Drivers
Auto insurance for teenagers in Olathe can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Olathe, KS are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,272 | $8,233 |
| American Family | $3,261 | $3,939 |
| Farmers | $7,104 | $7,352 |
| Geico | $4,252 | $5,750 |
| Liberty Mutual | $11,106 | $12,387 |
| Nationwide | $3,926 | $4,761 |
| Progressive | $8,701 | $9,782 |
| State Farm | $5,012 | $6,321 |
| Travelers | $8,204 | $12,841 |
| USAA | $4,284 | $4,428 |
Buy Cheap Olathe, KS Auto Insurance for Seniors
You can save on senior auto insurance rates in Olathe, Kansas by comparing Olathe senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Olathe, KS here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,233 | $2,291 |
| American Family | $1,476 | $1,476 |
| Farmers | $2,157 | $2,265 |
| Geico | $2,235 | $2,080 |
| Liberty Mutual | $2,120 | $2,366 |
| Nationwide | $1,532 | $1,638 |
| Progressive | $1,788 | $1,869 |
| State Farm | $1,510 | $1,510 |
| Travelers | $1,897 | $1,911 |
| USAA | $1,081 | $1,069 |
Find Cheap Auto Insurance Rates in Olathe, KS by Coverage Level
The amount of coverage you choose is a big factor in the cost of Olathe, Kansas auto insurance. Compare Olathe, KS auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,622 | $3,727 | $3,858 |
| American Family | $2,121 | $2,218 | $1,996 |
| Farmers | $3,495 | $3,641 | $3,849 |
| Geico | $2,798 | $2,893 | $2,999 |
| Liberty Mutual | $4,531 | $4,643 | $4,790 |
| Nationwide | $2,547 | $2,417 | $2,356 |
| Progressive | $3,747 | $3,945 | $4,250 |
| State Farm | $2,607 | $2,734 | $2,836 |
| Travelers | $3,873 | $4,123 | $4,343 |
| USAA | $1,956 | $2,032 | $2,126 |
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Find Cheap Olathe, KS Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Olathe. Compare auto insurance rates in Olathe, KS by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,736 | $3,736 |
| American Family | $2,085 | $2,138 |
| Farmers | $3,662 | $3,662 |
| Geico | $2,837 | $2,956 |
| Liberty Mutual | $4,655 | $4,655 |
| Nationwide | $2,440 | $2,440 |
| Progressive | $3,981 | $3,981 |
| State Farm | $2,657 | $2,794 |
| Travelers | $4,113 | $4,113 |
| USAA | $1,983 | $2,094 |
Find Cheap Olathe, KS Auto Insurance Rates by ZIP Code
Auto insurance rates in Olathe, Kansas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Olathe, KS to see how much where you live in Olathe affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 66061 | $3,446 |
| 66062 | $3,494 |
Find Cheap Olathe, KS Auto Insurance Rates by Driving Record
Auto insurance rates in Olathe, Kansas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Olathe, KS, take a look at the average cost for various violations versus rates for a clean driving record in Olathe.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,179 | $3,721 | $4,425 | $3,619 |
| American Family | $2,074 | $2,224 | $2,074 | $2,074 |
| Farmers | $3,076 | $3,987 | $3,884 | $3,698 |
| Geico | $1,840 | $2,988 | $4,568 | $2,192 |
| Liberty Mutual | $3,447 | $5,322 | $5,213 | $4,637 |
| Nationwide | $1,870 | $2,134 | $3,639 | $2,116 |
| Progressive | $3,661 | $4,328 | $3,844 | $4,090 |
| State Farm | $2,494 | $2,958 | $2,726 | $2,726 |
| Travelers | $2,957 | $3,911 | $5,423 | $4,161 |
| USAA | $1,483 | $2,022 | $2,945 | $1,703 |
Find Cheap Olathe, KS Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Olathe, Kansas is higher than for a clean driving record. You can buy auto insurance after a DUI in Olathe for less when you shop around and compare rates from multiple Olathe, KS auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,425 |
| American Family | $2,074 |
| Farmers | $3,884 |
| Geico | $4,568 |
| Liberty Mutual | $5,213 |
| Nationwide | $3,639 |
| Progressive | $3,844 |
| State Farm | $2,726 |
| Travelers | $5,423 |
| USAA | $2,945 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Olathe, KS
Compare rates from the cheapest auto insurance companies in Olathe, KS for your needs. Take a look at how Olathe, Kansas auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | American Family |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | American Family |
| With 1 Speeding Violation | USAA |
Find Cheap Olathe, Kansas Auto Insurance Companies
If you’re looking for the cheapest Olathe, KS auto insurance companies overall, you can compare them here. Find the best price for Olathe, Kansas car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,736 |
| American Family | $2,112 |
| Farmers | $3,662 |
| Geico | $2,897 |
| Liberty Mutual | $4,655 |
| Nationwide | $2,440 |
| Progressive | $3,981 |
| State Farm | $2,726 |
| Travelers | $4,113 |
| USAA | $2,038 |
What affects Olathe, Kansas auto insurance rates?
Local factors affect auto insurance rates in Olathe, KS, including traffic, theft statistics, and commute length. Take a look at the things that impact Olathe auto insurance rates.
Auto Theft in Olathe
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Olathe, KS auto theft show a total of 171 vehicle thefts annually.
Commute Times in Olathe
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Olathe, KS is 21.7 minutes according to City-Data.
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Compare Auto Insurance Quotes in Olathe, KS
You can buy cheap Olathe, KS auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Olathe, Kansas auto insurance quotes from top companies.
Frequently Asked Questions
Is it possible to find cheap auto insurance in Olathe, KS in 2023?
Yes, it is possible to find affordable auto insurance in Olathe, KS in 2023. By comparing quotes from multiple insurance providers and considering various factors that influence insurance rates, you can find a policy that suits your budget.
What factors influence the cost of auto insurance in Olathe, KS?
Several factors affect the cost of auto insurance, including your driving record, age, type of vehicle, coverage limits, deductibles, location, and credit history. Each insurance company weighs these factors differently, which is why it’s essential to compare quotes from multiple providers.
How can I get cheaper auto insurance in Olathe, KS?
To obtain cheaper auto insurance, you can consider the following steps:
- Maintain a clean driving record.
- Opt for a higher deductible.
- Take advantage of available discounts (e.g., safe driver, good student, bundling policies).
- Shop around and compare quotes from multiple insurance providers.
- Consider the type of coverage you need and adjust it accordingly.
What are the pros of buying cheap auto insurance in Olathe, KS?
The advantages of purchasing cheap auto insurance include:
- Lower monthly premiums, which can be more manageable for your budget.
- Cost savings, particularly if you’re a safe driver and rarely file claims.
- Meeting the legal requirement for auto insurance coverage while paying less.
What are the cons of buying cheap auto insurance in Olathe, KS?
There are a few potential drawbacks to consider when opting for cheap auto insurance:
- Limited coverage options: Cheaper policies may offer minimal coverage, leaving you exposed to more significant financial risks.
- Higher deductibles: Cheap insurance policies often come with higher deductibles, meaning you’ll have to pay more out of pocket in the event of a claim.
- Limited customer service: Some budget insurance providers may not offer extensive customer support or have a reputation for poor service.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
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.