Best Cheap Auto Insurance in Lawrence, KS (2021)

The average Lawrence, KS auto insurance rates are $274 per month. The minimum auto insurance in Lawrence is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Lawrence, Kansas, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The cheapest auto insurance company in Lawrence is American Family
  • The average commute length in Lawrence is 19.6 minutes
  • The minimum auto insurance required in Lawrence, Kansas is 25/50/25

Lawrence, Kansas auto insurance requirements are 25/50/25 according to Kansas auto insurance laws. Finding cheap auto insurance in Lawrence can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lawrence, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Lawrence to other Kansas cities, including Salina auto insurance rates, Lawrence auto insurance rates, and Kansas City auto insurance rates to see how Lawrence, Kansas auto insurance rates stack up.

Before you buy Lawrence, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lawrence, Kansas auto insurance quotes.

Minimum Auto Insurance in Lawrence, Kansas

Lawrence, Kansas auto insurance laws require that you have at least the Kansas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lawrence, Kansas.

Minimum Required Auto 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

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Cheap Lawrence, Kansas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lawrence, Kansas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Lawrence, Kansas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lawrence, Kansas is a challenge. Take a look at the annual teen auto insurance rates in Lawrence, Kansas.

Annual Auto 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

Cheap Lawrence, Kansas Auto Insurance for Seniors

What are senior auto insurance rates in Lawrence, Kansas? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Lawrence, Kansas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lawrence, Kansas compared to the annual auto insurance rates with a clean record in Lawrence, Kansas.

Annual Lawrence, Kansas Auto 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

Cheap Lawrence, Kansas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lawrence, Kansas is not easy. Compare the annual rates for DUI auto insurance in Lawrence, Kansas to find the best deal.

Annual Auto Insurance Rates After a DUI in Lawrence, Kansas

Insurance Company Annual Auto 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

Cheap Lawrence, Kansas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lawrence, Kansas annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Lawrence, Kansas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lawrence, Kansas can vary. Compare the annual cost of auto insurance by ZIP code in Lawrence, Kansas to see how car insurance rates are affected by location.

Annual Auto 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

Cheap Lawrence, Kansas Auto Insurance Rates By Commute

Commute length and annual mileage affect Lawrence, Kansas auto insurance. Find the cheapest annual Lawrence, Kansas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lawrence, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Lawrence, Kansas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lawrence, Kansas? Check out the comparison of annual Lawrence, Kansas auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Lawrence, Kansas

Compare the cheapest auto insurance companies in Lawrence, Kansas in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Lawrence, Kansas Auto Insurance Companies

What auto insurance companies in Lawrence, Kansas are the cheapest? Compare the top Lawrence, Kansas auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Lawrence, Kansas?

There are a lot of reasons why auto insurance rates in Lawrence, Kansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lawrence, Kansas. Many local factors may affect your Lawrence auto insurance rates.

Lawrence Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lawrence, Kansas commute length is 19.6 minutes according to City-Data.

Lawrence Traffic

How does Lawrence, Kansas rank for traffic? According to Inrix Lawrence, Kansas is the 267th most congested worldwide.

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Compare Lawrence, Kansas Auto Insurance Quotes

Before you buy Lawrence, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lawrence, Kansas auto insurance quotes.

Free Auto Insurance Comparison

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

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