Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • 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.

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

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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.

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

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.

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

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.

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

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.

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

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.

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

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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.

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

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.

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

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.

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

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.

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

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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.

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

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.

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

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.