Compare average insurance rates in Overland Park for 2026
🏠
Home
$2716
/year
🚗
Auto
$1698
/year
🏥
Health
$508
/month
💰
Life
$23
/month
🏢
Renters
$18
/month
Home Insurance in Overland Park, KS
The average cost of homeowners insurance in Overland Park, Kansas is $2,716 per year in 2026. This compares to the state average of $2,800 per year.
$2,716per year (avg in Overland Park)
$1649KS avg: $2,800$3783
Factors Affecting Home Insurance in Overland Park
🏠
Home Value Average: $205,000
🌪
Weather Risk high
🌊
Flood Zone 5% of properties
📈
Cost Index 0.97 (100 = national avg)
🌪️
Tornado Alley: Overland Park is located in tornado-prone territory. Make sure your policy covers windstorm and tornado damage adequately.
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$164,000
$82,000
$100,000
$2,037
Standard (HO-3)
$205,000
$102,500
$300,000
$2,716
Premium (HO-5)
$256,250
$153,750
$500,000
$3,666
Auto Insurance in Overland Park, KS
The average annual cost of auto insurance in Overland Park is $1,698, compared to the Kansas state average of $1,750.
$1,698per year (avg in Overland Park)
$1067KS avg: $1,750$2425
📋
Minimum Coverage in Kansas: 25/50/25
⚖️
No-Fault State: Kansas is a no-fault insurance state. This means your own insurance pays for your injuries regardless of who caused the accident. Personal Injury Protection (PIP) coverage is required, which can increase premiums.
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$933
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,698
Premium
250/500/250
$250 deductible
$250 deductible
$2,207
Health Insurance in Overland Park, KS
The average monthly health insurance premium in Overland Park is $508 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$508per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$365
$7,000
$9,100
Healthy, low usage
Silver
$508
$4,500
$9,100
Moderate usage
Gold
$635
$1,650
$8,700
Regular medical needs
Platinum
$762
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Overland Park
💰 Life Insurance
$23
per month (20-year term, $500K)
Life insurance rates in Kansas are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $23/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$18
per month (avg in Overland Park)
Renters insurance in Overland Park covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Overland Park
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Overland Park, KS is $2,716 per year for a standard HO-3 policy. Rates range from $1,649 to $3,783 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Overland Park is $1,698 per year for full coverage. Liability-only coverage averages around $764 per year. Kansas requires minimum coverage of 25/50/25.
Insurance costs in Overland Park are close to the national average (cost index: 0.97). Home insurance averages $2,716/yr and auto insurance $1,698/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.97), tornado risk, average home values ($205,000), your personal claims history, credit score, and no-fault insurance laws in Kansas.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Overland Park residents can potentially save $883+ per year.
Kansas requires minimum auto liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). As a no-fault state, PIP coverage is also required.
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