Compare Lawrence, KS Car Insurance Rates (2021)

Car insurance in Lawrence, KS averages $274 a month. Lawrence, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lawrence car insurance rates, compare quotes from the top car insurance companies in Lawrence, KS.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Lawrence is 66047
  • The cheapest car insurance company in Lawrence is American Family
  • The cheapest car insurance company in Lawrence for teen drivers is American Family

If you need to buy Lawrence, Kansas car insurance, the options can be confusing. Everything you need to know about car insurance in Lawrence, KS is right here.

You’ll find Lawrence car insurance rates, the cheapest Lawrence, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Lawrence, Kansas car insurance rates to Lenexa car insurance rates, Lawrence car insurance rates, and Kansas City car insurance rates.

Ready to find affordable Lawrence, KS car insurance today? Enter your ZIP code for fast, free Lawrence car insurance quotes.

Cheapest Lawrence, KS Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lawrence, KS car insurance rates? Every Lawrence, Kansas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lawrence, Kansas

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 $2,667 $2,580 $2,402 $2,470 $7,634 $8,599 $2,717 $2,804
American Family $1,571 $1,571 $1,420 $1,420 $3,136 $3,780 $1,571 $1,777
Farmers $2,369 $2,343 $2,107 $2,212 $6,969 $7,214 $2,681 $2,803
GEICO $2,130 $2,080 $2,158 $2,008 $4,103 $5,562 $2,540 $1,798
Liberty Mutual $2,312 $2,490 $2,254 $2,514 $11,727 $13,074 $2,478 $2,668
Nationwide $1,722 $1,765 $1,540 $1,651 $3,800 $4,621 $2,037 $2,163
Progressive $2,189 $2,063 $1,774 $1,851 $8,501 $9,557 $2,593 $2,781
State Farm $1,639 $1,639 $1,457 $1,457 $4,707 $5,952 $1,849 $2,112
Travelers $2,065 $2,099 $2,036 $2,056 $8,667 $13,548 $2,124 $2,472
USAA $1,280 $1,292 $1,184 $1,180 $4,598 $4,783 $1,699 $1,754

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Minimum Car Insurance in Lawrence, KS

Every driver must carry the minimum car insurance in Lawrence, KS. Take a look at the Kansas car insurance requirements.

Minimum Required Car Insurance Coverage in Lawrence, Kansas

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

Cheapest Lawrence, KS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lawrence, KS. Compare credit history car insurance rates in Lawrence from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lawrence, Kansas

Insurance Company Poor Fair Good
Allstate $4,929 $3,758 $3,265
American Family $2,654 $1,871 $1,567
Farmers $4,198 $3,379 $3,185
GEICO $4,348 $2,299 $1,746
Liberty Mutual $4,940 $4,940 $4,940
Nationwide $2,656 $2,372 $2,209
Progressive $4,455 $3,780 $3,506
State Farm $3,788 $2,264 $1,753
Travelers $5,047 $4,131 $3,972
USAA $3,019 $1,997 $1,648

Cheapest Lawrence, KS Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lawrence, KS to rates for a clean record with top companies.

Annual Lawrence, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,410 $3,991 $4,678 $3,857
American Family $1,993 $2,143 $1,993 $1,993
Farmers $3,011 $3,906 $3,805 $3,628
GEICO $1,777 $2,886 $4,410 $2,117
Liberty Mutual $3,658 $5,647 $5,530 $4,924
Nationwide $1,837 $2,101 $3,625 $2,086
Progressive $3,601 $4,251 $3,779 $4,024
State Farm $2,391 $2,812 $2,602 $2,602
Travelers $3,171 $4,169 $5,764 $4,429
USAA $1,619 $2,199 $3,209 $1,858

Cheapest Lawrence, KS Car Insurance for Teen Drivers

Teen car insurance in Lawrence, KS can be expensive. Take a look at rates from the top car insurance companies in Lawrence for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lawrence, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,634 $8,599
American Family $3,136 $3,780
Farmers $6,969 $7,214
GEICO $4,103 $5,562
Liberty Mutual $11,727 $13,074
Nationwide $3,800 $4,621
Progressive $8,501 $9,557
State Farm $4,707 $5,952
Travelers $8,667 $13,548
USAA $4,598 $4,783

Cheapest Lawrence, KS Car Insurance for Seniors

Take a look at Lawrence, KS senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lawrence, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,402 $2,470
American Family $1,420 $1,420
Farmers $2,107 $2,212
GEICO $2,158 $2,008
Liberty Mutual $2,254 $2,514
Nationwide $1,540 $1,651
Progressive $1,774 $1,851
State Farm $1,457 $1,457
Travelers $2,036 $2,056
USAA $1,184 $1,180

Cheapest Lawrence, KS Car Insurance Rates After a DUI

A DUI in Lawrence, KS increases car insurance rates. Compare Lawrence, Kansas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lawrence, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,678
American Family $1,993
Farmers $3,805
GEICO $4,410
Liberty Mutual $5,530
Nationwide $3,625
Progressive $3,779
State Farm $2,602
Travelers $5,764
USAA $3,209

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Cheapest Lawrence, KS Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lawrence, KS by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lawrence, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,984 $3,984
American Family $2,005 $2,056
Farmers $3,587 $3,587
GEICO $2,740 $2,855
Liberty Mutual $4,940 $4,940
Nationwide $2,412 $2,412
Progressive $3,914 $3,914
State Farm $2,537 $2,666
Travelers $4,383 $4,383
USAA $2,159 $2,283

Cheapest Lawrence, KS Car Insurance Rates by ZIP Code

Lawrence car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lawrence, KS.

Annual Car Insurance Rates by ZIP Code in Lawrence, Kansas

ZIP Code Average Annual Rates
66044 $3,594
66045 $3,529
66046 $3,491
66047 $3,490
66049 $3,516

The Best Cheap Car Insurance Companies in Lawrence, KS

Take a look at a side-by-side comparison of the top car insurance companies in Lawrence, KS to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lawrence, Kansas

Insurance Company Average Annual Rates
Allstate $3,984
American Family $2,031
Farmers $3,587
GEICO $2,797
Liberty Mutual $4,940
Nationwide $2,412
Progressive $3,914
State Farm $2,602
Travelers $4,383
USAA $2,221

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Category Winners: Cheapest Car Insurance in Lawrence, Kansas

Find the cheapest car insurance companies in Lawrence, KS for each category right here.

Best Annual Car Insurance Rates by Company in Lawrence, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation USAA

Cheapest Lawrence, KS Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lawrence car insurance rates. Find the cheapest Lawrence, KS car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lawrence, Kansas

Insurance Company Low Medium High
Allstate $3,845 $3,975 $4,133
American Family $2,043 $2,133 $1,916
Farmers $3,420 $3,565 $3,777
GEICO $2,700 $2,794 $2,899
Liberty Mutual $4,824 $4,929 $5,066
Nationwide $2,526 $2,388 $2,323
Progressive $3,701 $3,880 $4,160
State Farm $2,497 $2,609 $2,699
Travelers $4,149 $4,394 $4,607
USAA $2,142 $2,216 $2,307

What affects car insurance rates in Lawrence, Kansas?

What factors can have an impact on Lawrence, KS car insurance? There are several reasons why Lawrence car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lawrence, Kansas.

Commute Time in Lawrence

The more time you spend in your car the higher the risk of an accident. The average commute length in Lawrence, KS is 19.6 minutes according to City-Data.

Traffic in Lawrence

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lawrence, KS traffic data from INRIX ranks Lawrence as the 267th-most congested in the world.

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Compare Car Insurance Quotes in Lawrence, KS

Ready to find affordable Lawrence, Kansas car insurance today? Enter your ZIP code for fast, free Lawrence, KS car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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