Affordable Car Insurance Rates in Lawrence, KS (2024)
Car insurance rates in Lawrence, KS are $274/month on average. By law, Kansas drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Lawrence car insurance companies to get the coverage you need at the best rates available.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Lawrence, KS are $274/month
- Average car insurance rates in Lawrence, KS for senior drivers are $1,858/year
- The cheapest car insurance company in Lawrence after a DUI is American Family
Average car insurance rates in Lawrence, Kansas are $274 a month. But with a little research you can get a great deal from the top car insurance companies in Lawrence, KS. Before you buy Lawrence, Kansas car insurance, make sure your coverage meets or exceeds the Kansas minimum of 25/50/25.
It may even be helpful to compare Lawrence car insurance rates with Kansas City car insurance rates, Wichita car insurance rates, or Overland Park car insurance rates to make sure you’re getting the best Lawrence, KS car insurance quotes available.
Need affordable Lawrence, KS car insurance? Enter your ZIP code to compare Lawrence car insurance quotes from multiple car insurance companies near you.
Lawrence, KS Minimum Car Insurance Coverage
Lawrence, Kansas law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.
| 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 |
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Lawrence, KS Car Insurance Rates by Coverage Level
Some Lawrence drivers can get by with the Kansas minimum coverage of 25/50/25. Other drivers may need more. See how much your Lawrence, Kansas car insurance rates may be based on the coverage you need.
| 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 |
Lawrence, KS Car Insurance Rates by Age, Gender, and Marital Status
Lawrence, Kansas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lawrence, KS car insurance, get quotes from multiple car insurance companies in the Lawrence area and see how these criteria affect your rates.
| 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 |
Lawrence, KS Car Insurance Rates for Teens
How much is Lawrence, Kansas car insurance for teens? Compare rates from top Lawrence car insurance companies below to help find the cheapest teen car insurance in Lawrence, KS.
| 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 |
Lawrence, KS Car Insurance Rates for Seniors
Before seniors buy Lawrence, Kansas car insurance, they should make sure to shop around. Some Lawrence, KS car insurance companies may offer discounts or other savings options for senior car insurance.
| 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 |
Lawrence, KS Car Insurance Rates by Credit History
How does your credit history affect Lawrence, KS car insurance rates? Review the numbers here to find out.
| 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 |
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Lawrence, KS Car Insurance Rates by Driver History
How does a single speeding ticket affect your Lawrence, Kansas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lawrence.
| 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 |
Lawrence, KS Car Insurance Rates With a DUI
Even a single DUI can increase your Lawrence, KS car insurance rates. Compare rates below to see which Lawrence car insurance company has the best rates for drivers with a DUI.
| 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 |
Lawrence, KS Car Insurance Rates by ZIP Code
Just like Lawrence car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Lawrence, KS car insurance rates fluctuate by ZIP code.
| ZIP Code | Average Annual Rates |
|---|---|
| 66044 | $3,594 |
| 66045 | $3,529 |
| 66046 | $3,491 |
| 66047 | $3,490 |
| 66049 | $3,516 |
Lawrence, KS Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Lawrence, KS car insurance rates may be. Let’s take a look at average car insurance rates from top Lawrence companies based on commute time.
| 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 |
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Lawrence, KS Cheapest Car Insurance Rates
How do the top Lawrence, Kansas car insurance companies’ average rates stack up against the Lawrence average monthly car insurance rates of $274? Take a look and see.
| 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 |
Lawrence, KS Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Lawrence, Kansas car insurance companies to help you find one that best fits your needs.
| 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 |
Other Factors Affecting Lawrence, KS Car Insurance Rates
Before you buy Lawrence, Kansas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Lawrence, KS Commute Time
How does your Lawrence, KS commute time compare with the average driver? In Lawrence, the average commute is 19.6 minutes.
Lawrence, KS Traffic
Spending time in Lawrence traffic can lead to higher car insurance rates. According to INRIX data, Lawrence, KS ranks as the 267th-most congested with traffic in the world.
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Lawrence, KS Car Insurance Quotes
Compare Lawrence, KS car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.