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Cheap Car Insurance in Overland Park, Kansas

Find cheap car insurance in Overland Park, the Kansas City metro’s largest suburb. It’s more than a suburb, however, since more than 40 companies have located their headquarters in Overland Park. The setting of the 2008 series, “High School Confidential,” Overland Park has established a reputation for affordability and family-friendliness. Just southwest of “KC,” as it is known, Overland Park boasts more than 1,800 acres of green space and has been ranked among the Top 10 Soccer Cities in the U.S. Its population in 2016 was nearing 189,000.

Driving Conditions in Overland Park

U.S. Route 69 bisects Overland Park, running north into Interstate 35, which takes drivers directly into downtown Kansas City. The Kansas City area in general has caught a break when it comes to gridlock compared to cities its size. Kansas City’s average commute time is just under 23 minutes, shorter than the national average of 26 minutes. It’s even better within Overland Park, where the average commute time is just under 20 minutes. For updated traffic and travel information, visit

Unique Laws in Overland Park

Kansas is one of a handful of states where it is illegal for any vehicle to use hazard lights while moving, according to a list state laws compiled by Other states allow it in emergency situations or to indicate a hazard such as heavy rain, while some allow hazard light use at any time.

In Overland Park, ordinances prevent you from picketing at a funeral or installing a musical horn on your car. If you’re a hunter, be aware that state laws still prevent you from using mules to hunt ducks or shooting at rabbits from a motorboat.

Overland Park Crime Statistics

Overland Park’s overall crime rates have climbed in recent years, according to FBI data.

The Kansas City metro area ranked at No. 43 on a list ranking of worst cities for auto theft released for 2016 by the National Insurance Crime Bureau. The greater metro area had 8,355 cases of vehicle theft that year, or a rate of 435 incidents per 100,000 people – quite a bit higher than the national average for that year: 220.2 incidents per 100,000 people. Within Overland Park, the auto theft rate is somewhat lower, at 277 incidents per 100,000 people.

Crime maps and more details for Overland Park can be found at the city’s website,

Overland Park Safety Requirements

Drivers and front seat passengers must wear seat belts, and as of 2010 this is a primary law, meaning you can be pulled over and ticketed just for not buckling. Seat belt requirements also apply to anyone under 18 in the back seats. Fines for violations increased in 2017. Children under 4 must ride in a safety seat, and those 4 through 7 should be in a booster until they are 4 feet, 9 inches tall or weigh 80 pounds. Texting while driving is banned statewide. There is no ban on talking on a handheld phone for fully licensed drivers.

Overland Park Impaired Driving Laws

Drivers with a blood alcohol concentration of .08 or higher are charged with driving under the influence, according to the Kansas Department of Transportation, and anyone convicted of DUI with a child under 14 in the car will receive an extra month of jail time. First offenders will get 48 hours of jail time plus fines, 100 hours of community service and a 30-day suspension and then driver’s license restrictions. The BAC drops to .02 for minors under 21. Charges are enhanced if a driver has a BAC of more than .15. Regardless of your background, it’s possible to find cheap car insurance in Overland Park; contact us to compare rates.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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