Car Insurance Cost in Olathe, KS – Free Quotes + Cheapest to Insure

• Olathe car insurance rates average $2,398 per year for full coverage, or around $200 per month.
• Monthly auto insurance rates for a few popular vehicles in Olathe include the Toyota RAV4 at $184, Jeep Grand Cherokee at $200, and Toyota Corolla at $194.
• For cheap auto insurance in Olathe, compact crossovers like the Honda CR-V, Volkswagen Tiguan, Toyota Corolla Cross, and Nissan Kicks have some of the best car insurance rates.
• A few vehicles with segment-leading auto insurance rates in Olathe include the Honda Passport at $1,906 per year, Jaguar E-Pace at $2,242 per year, Chevrolet Tahoe at $2,250 per year, and Acura RDX at $2,002 per year.

How much does car insurance cost in Olathe?

The average cost of car insurance in Olathe is $2,398 per year, which is 5.2% more than the overall U.S. national average rate of $2,276. Average car insurance cost per month in Olathe is $200 for full coverage.

The average cost to insure a vehicle in Kansas is $2,494 per year, so Olathe drivers pay an average of $96 less per year than the overall Kansas state-wide average rate. The cost of auto insurance in Olathe compared to other Kansas locations is approximately $12 per year less than in Overland Park, $26 per year less than in Topeka, and $196 per year cheaper than in Wichita.

The chart below summarizes average car insurance cost in Olathe broken out based on a variety of driver ages and policy risk profiles. Rates are averaged for all 2024 vehicle models including luxury and performance vehicles.

Average rates in the chart above range from $1,992 per year for a middle-aged driver who qualifies for a discount rate to $5,512 per year for a 20-year-old driver who is required to buy high risk car insurance. The overall average rate we use for comparison of different models and locations is the 40-year-old safe driver rate, which is an average cost of $2,398 per year.

As a monthly cost, car insurance cost in Olathe ranges from $166 to $459 for the same driver risk profiles shown in the prior chart.

Olathe auto insurance rates are different for every driver and are impacted by a lot of factors. Since the chances of having many different rates is high, this emphasizes the need for multiple car insurance quotes when shopping online for cheaper coverage.

The age of the driver is one of the largest factors in the cost of car insurance, so the list below illustrates this point by showing average car insurance rates in Olathe for drivers from 16 to 60.

Average cost of car insurance in Olathe, Kansas, for drivers age 16 to 60

• 16-year-old rated driver – $8,534 per year or $711 per month
• 17-year-old rated driver – $8,270 per year or $689 per month
• 18-year-old rated driver – $7,412 per year or $618 per month
• 19-year-old rated driver – $6,747 per year or $562 per month
• 20-year-old rated driver – $4,822 per year or $402 per month
• 30-year-old rated driver – $2,556 per year or $213 per month
• 40-year-old rated driver – $2,398 per year or $200 per month
• 50-year-old rated driver – $2,122 per year or $177 per month
• 60-year-old rated driver – $1,988 per year or $166 per month

The rates in the list above that detailed the cost to insure teen drivers assumed a male driver. The chart below separates average car insurance cost for teenagers in Olathe, KS, by gender. Young female drivers tend to have cheaper car insurance rates than their male counterparts.

Auto insurance for a 16-year-old female driver in Olathe costs an average of $564 less per year than the cost to insure a male driver, while at age 19, the difference is narrower but is still $1,042 per year cheaper for females.

Olathe’s favorite vehicles and the cost of car insurance

The auto insurance rates mentioned above take all 2024 vehicle models and average them, which is useful for making general comparisons such as the cost difference between driver ages or locations.

But for more in-depth price comparisons, the data will be better if we instead use rates for the exact vehicle being insured. In the next few sections, we do cost comparisons for specific makes and models of vehicles, but for now, let’s look at just a few of the more popular vehicles to discover how auto insurance rates stack up in Olathe.

This next chart details the cost of auto insurance in Olathe for the more popular vehicles. Later on in this article, there is a section that analyzes the cost of insuring some of these models even more in-depth.

The models that have high popularity in Olathe tend to be compact or midsize cars like the Nissan Sentra and Toyota Camry and small or midsize SUVs like the Nissan Rogue and Jeep Grand Cherokee.

Other popular models from other segments include luxury SUVs like the Infiniti QX60 and Cadillac XT5, luxury cars like the Lexus ES 350 and Infiniti Q50, and pickup trucks like the Ford F-150 and Toyota Tacoma.

We cover more car insurance rates a little farther down this article, but before that, let’s review some of the key ideas covered so far in the data above.

• Insurance for teen drivers can be expensive – The average cost ranges from $5,705 to $8,534 per year to insure a teenager in Olathe, Kansas.
• Auto insurance rates fall a lot in your twenties – The average 30-year-old Olathe, Kansas, driver will pay $2,266 less each year than a 20-year-old driver, $2,556 compared to $4,822.
• Teenage girls pay lower rates than teenage males – Teenage female drivers pay $1,042 to $564 less each year than males of the same age.
• Auto insurance cost decreases as you get older – Auto insurance rates for a 40-year-old driver in Olathe are $2,424 per year cheaper than for a 20-year-old driver.
• Olathe, Kansas, average car insurance cost is more than the U.S. average – $2,398 (Olathe average) compared to $2,276 (U.S. average)

Which vehicles cost the least to insure in Olathe, Kansas?

When rates are compared for all vehicles, the models with the cheapest auto insurance rates in Olathe tend to be crossovers and small SUVs like the Kia Soul, Chevrolet Trailblazer, Hyundai Venue, and Buick Envision. Average car insurance prices for those compact SUVs cost $1,946 or less per year, or $162 per month, to have full coverage.

A few other vehicles that rank in the top 20 in our auto insurance price comparison are the Acura RDX, Toyota GR Corolla, Volkswagen Taos, and Ford Bronco Sport. The average insurance cost is a little bit more for those models than the crossovers and compact SUVs at the top of the list, but they still have average rates of $2,082 or less per year in Olathe.

The table below breaks down the 30 cheapest vehicles to insure in Olathe, ordered by cost.

A table showing 30 vehicle rankings is probably not the best way to present an overall summary of Olathe insurance rates. Considering we track over 700 makes and models of vehicles, a lot of vehicles get left off the list. So let’s rethink this and break out the vehicles with the best rates in a format that makes more sense.

The next section further discusses the average price of auto insurance in Olathe for each vehicle segment. The rates shown will provide a decent understanding of the automotive segments that have the most affordable average car insurance rates. Then the sections after the chart rank the most affordable rates for individual models in each individual segment.

Average auto insurance rates by segment

When shopping for a different vehicle, it’s important to have a basic understanding of which styles of vehicles have more affordable insurance rates.

For example, maybe you want to know if SUVs are more affordable to insure than minivans or which size of pickup has cheaper insurance.

The chart below shows average auto insurance rates by segment in Olathe. Typically, compact and midsize SUVs, vans, and midsize pickups have the best rates, with luxury cars and sports cars having the most expensive insurance.

Rates by segment are sufficient for making a general comparison, but cost varies substantially within each of the segments shown in the chart above.

For example, in the midsize luxury SUV segment, rates range from the Jaguar E-Pace at $2,242 per year for a full coverage policy to the Mercedes-Benz AMG GLE63 at $4,040 per year. For another example, in the large truck segment, the cost of insurance ranges from the Nissan Titan costing $2,242 per year to the Toyota Tundra at $2,854 per year, a difference of $612 within that segment.

In the next parts of this article, we will remove much of this variability by looking at the cost of auto insurance in Olathe from a model perspective.

Cheapest car insurance rates in Olathe

The four most affordable 2-door and 4-door sedans and hatchbacks to insure in Olathe are the Toyota GR Corolla at $2,082 per year, Nissan Leaf at $2,100 per year, Honda Civic at $2,122 per year, and Nissan Sentra at $2,196 per year.

Also ranking well are cars like the Toyota Prius, Honda Accord, Chevrolet Malibu, and Kia K5, with average cost of $2,332 per year or less.

Additional models that make the list include the Hyundai Ioniq 6, Nissan Versa, Hyundai Sonata, and Kia Forte, which average between $2,332 and $2,478 to insure per year in Olathe.

On a monthly basis, full-coverage auto insurance in this segment starts at an average of $174 per month, depending on your location and insurance company.

If insurance rates are ranked by vehicle size, the most budget-friendly non-luxury compact car to insure in Olathe is the Toyota GR Corolla at $2,082 per year. For midsize cars, the Kia K5 is cheapest to insure at $2,308 per year. And for full-size non-luxury cars, the Chrysler 300 has the most affordable rates at $2,282 per year.

The next table ranks the cars with the most affordable auto insurance rates in Olathe.

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Looking for rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Olathe car insurance quotes from the best car insurance companies in Kansas.

Cheapest SUV insurance rates in Olathe, Kansas

The top five models for the lowest-cost Olathe car insurance rates in the non-luxury SUV segment are the Honda Passport, Kia Soul, Nissan Kicks, Subaru Crosstrek, and Chevrolet Trailblazer. Car insurance quotes for these 2024 models average $1,906 or less per year, or around $159 per month.

Not the cheapest in the list, but still ranking well, are SUVs like the Toyota Corolla Cross, Hyundai Venue, Buick Envision, and Ford Bronco Sport, with an average cost of $1,962 per year or less.

Ranked in the bottom half of the top 20 cheapest SUVs to insure, SUVs like the Kia Niro, Volkswagen Tiguan, Buick Encore, Subaru Outback, and Volkswagen Taos cost between $1,962 and $2,084 per year to insure in Olathe.

As a cost per month, full-coverage car insurance in Olathe on this segment for a safe driver will start around $148 per month, depending on the company and your location.

The rate comparison table below ranks the twenty SUVs with the cheapest average car insurance rates in Olathe, starting with the Subaru Crosstrek at $148 per month and ending with the Subaru Ascent at $174 per month.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see insurance rates for your SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Olathe car insurance quotes from top car insurance companies in Kansas.

Most affordable luxury cars to insure in Olathe, Kansas

The three top-ranked luxury car models with the cheapest auto insurance rates in Olathe are the Acura Integra at $2,128 per year, the BMW 330i at $2,438 per year, and the Mercedes-Benz CLA250 at $2,466 per year.

Additional luxury cars that have good average insurance rates include the Lexus RC 300, Mercedes-Benz AMG CLA35, Cadillac CT4, and Lexus ES 350, with an average cost of $2,518 per year or less.

From a monthly standpoint, full-coverage car insurance in this segment starts at around $177 per month, depending on where you live and the company you use.

If rates are ranked based on vehicle size, the cheapest small luxury car to insure in Olathe is the Acura Integra at $2,128 per year, or $177 per month. For midsize 2024 models, the Mercedes-Benz CLA250 has the cheapest rates at $2,466 per year, or $206 per month. And for full-size luxury cars, the Audi A5 has the most affordable rates at $2,846 per year, or $237 per month.

The comparison table below ranks the twenty luxury cars with the most affordable insurance rates in Olathe.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see insurance rates for your vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Olathe car insurance quotes from top-rated car insurance companies in Kansas.

Cheapest luxury SUVs to insure in Olathe

Ranking at the top for the cheapest Olathe car insurance rates in the luxury SUV segment are the Jaguar E-Pace, Lexus NX 250, Cadillac XT4, Acura RDX, and Cadillac XT5. Auto insurance quotes for these vehicles average $2,262 or less per year.

Not the cheapest in the list, but still ranking well, are models like the Lexus NX 450h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus UX 250h, with an average cost of $2,310 per year or less.

Additional luxury SUVs that rank well include the Cadillac XT6, Mercedes-Benz AMG GLB35, Lexus RX 350, and Land Rover Evoque, which cost between $2,310 and $2,404 per year for auto insurance in Olathe.

Auto insurance rates in Olathe for this segment will start around $167 per month, depending on your location and insurance company.

The table below ranks the SUVs with the lowest-cost average insurance rates in Olathe, starting with the Acura RDX at $167 per month and ending with the Lexus RX 350 at $200 per month.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Kansas.

Most affordable sports car insurance rates

The most affordable sports cars to insure in Olathe are the Mazda MX-5 Miata at $2,216 per year, the Toyota GR86 at $2,524 per year, and the Ford Mustang at $2,632 per year.

Other cars that have cheaper rates are the BMW M2, Lexus RC F, Nissan Z, and Subaru BRZ, with average annual insurance rates of $2,864 per year or less.

Additional 2024 models worth mentioning include the Chevrolet Corvette, BMW M4, Porsche 718, Lexus LC 500, and Jaguar F-Type, which cost between $2,864 and $4,060 per year for insurance in Olathe.

As a cost per month, car insurance rates in Olathe on this segment starts at an average of $185 per month, depending on your location and insurance company.

The rate comparison table below ranks the sports cars with the cheapest auto insurance rates in Olathe, starting with the Mazda MX-5 Miata at $185 per month and ending with the Porsche Taycan at $338 per month.

Is your vehicle not in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Olathe.

Cheapest pickup trucks to insure

The lowest-cost pickups to insure in Olathe are the Chevrolet Colorado at $2,108 per year, the Nissan Titan at $2,242 per year, and the Nissan Frontier at $2,268 per year.

Other pickups that have cheaper rates are the Toyota Tacoma, GMC Sierra 2500 HD, Hyundai Santa Cruz, and GMC Canyon, with average annual insurance rates of $2,466 per year or less.

From a monthly standpoint, car insurance rates in this segment for a middle-age safe driver can cost as low as $176 per month, depending on where you live and the company you use.

The table below ranks the twenty pickups with the cheapest insurance in Olathe, starting with the Chevrolet Colorado at $2,108 per year and ending with the Ram Truck at $2,772 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see your pickup model? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Olathe car insurance quotes from top-rated car insurance companies in Kansas.

Best practices for saving money on car insurance

Drivers are always looking to cut the monthly cost of insurance So run through the money-saving tips in the list below and maybe you’ll find a way to save a little dough on your next policy.

• Buy vehicles with low cost insurance rates. Vehicle performance has a significant impact on the price you pay for auto insurance. As an example, a Kia Soul costs $1,448 less per year to insure in Olathe than a Chevrolet Corvette. Choose cheaper models and save money.
• Shop around for a better deal. Take a couple of minutes to get free car insurance quotes is our best recommendation for saving the most money. Companies change rates often and you can change companies at any time.
• Lower policy cost by raising deductibles. Increasing your deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Save money with better credit. Maintaining a high credit score could save up to $376 per year over a lower credit rating of 670-739. Conversely, a less-than-perfect credit history could cost as much as $436 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Reduce coverage on older cars. Removing physical damage coverage (comprehensive and collision) from vehicles that are older can trim the cost considerably.
• A good driving record means cheaper rates. In order to get the cheapest car insurance in Olathe, it pays to avoid traffic tickets. As a matter of fact, just one or two minor infractions on your driving record have the consequences of raising car insurance cost by at least $634 per year. Serious infractions like driving under the influence of drugs or alcohol could raise rates by an additional $2,226 or more.