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Overland Park, Kansas Car Insurance

Overland Park is part of the greater Kansas City metropolitan area, though by itself it ranks as the second most populous city in Kansas. Overland Park has regularly been listed as one of the “100 Best Cities to Live in the United States” as well as one of the best cities in the country to raise a family and best cities to grow up in. Like most mid-western cities, most people in Overland Park drive, with about ninety percent of people using private vehicles (either their own or carpooling) as the primary way of commuting to work and otherwise getting around.

As the second largest city in the state, Overland Park also had the second largest number of automobile accidents after Overland Park, having 4,364 accidents in 2008. Nine of these accidents resulted in fatalities, killing ten people and 862 of them resulted in injuries, injuring 1,139 people. 477 of these accidents were speed-related, while another 172 were caused by people driving under the influence of alcohol. Despite being a great city to live in, the number of accidents in Overland Park means that residents are expected to pay higher rates of insurance than residents of smaller communities. People with an Overland Park address will pay higher car insurance premiums.

The least expensive option is to have basic minimum liability coverage which includes bodily injury liability, property damage liability, personal injury protection and uninsured/underinsured protection. Basic bodily injury liability insurance covers any damage you may to cause to others as well as legal expenses stemming from legal action filed against you. Property damage liability covers any damage you might inflict if at fault for an auto accident. Personal injury protection covers any medical expenses you or your passengers might receive regardless of whose fault an accident is. Uninsured/underinsured motorist protection covers expenses caused by a driver with no cheap auto insurance or not enough insurance to cover the expenses.

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