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Cheapest car insurance in Lawrence, Kansas (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Lawrence, Kansas.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Cheapest Car Insurance Quotes in Lawrence

On average, auto insurance in Lawrence costs about $86 per month for minimum coverage liability insurance and about $150 per month for full coverage insurance. Lawrence drivers pay 11% less than the
Kansas
average. 
Smart car insurance shoppers in Lawrence turn to Jerry every month, because Jerry makes it easy for customers to
compare and purchase affordable car insurance
. Below are some of the cheapest car insurance quotes Jerry found for customers in Lawrence.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$165
Olga, 24
Zip: 66049
Honda Accord Sport
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$72
Jose, 58
Zip: 66044
KIA Niro LX
• State Minimum Liability
• Comp / Collision
AAA
$139
Ellen, 22
Zip: 66044
Chevrolet Equinox LT
• State Minimum Liability
Travelers
$140
Edgar, 26
Zip: 66047
Chevrolet Malibu LT
• 50,000/100,000 Liability
• Comp / Collision
Bristol West
$75
Sarah, 51
Zip: 66046
Jeep Patriot Sport
• State Minimum Liability
coverageLast Updated Apr 17, 2024

Best Car Insurance Companies in Lawrence

The right car insurance company is different for everyone. The main reason is that every customer gets a different
car insurance quote
based on their unique profile.
By surveying over 15,000 policyholders, we discovered that when it comes to finding the best auto insurance company, the secret lies in uncovering the perfect match for your unique needs.
For some drivers, insurance giant
State Farm
is their cheapest car insurance company; for other drivers, it’s
Farmers
through and through. There’s no one-size-fits-all for the best car insurance, but you can find the best car insurance for you.
Companies that have established a strong presence in Kansas include
Progressive
,
Travelers
, Geico, American Family, and
Allstate
. At least one of these companies is sure to tick all your boxes.
The table below shows how drivers in Lawrence rate different companies on a scale of 0 to 5.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.2
3.8
4
4.3
Bristol West
4.1
4.8
N/A
3.8
Dairyland
4.4
3.6
N/A
4.1
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Lawrence

To legally hit the road, Lawrence drivers need to meet Kansas’s minimum coverage limits for bodily injury liability and property damage liability. But minimum liability may not offer enough financial coverage in the event of an accident—so drivers in Lawrence should consider purchasing full coverage for the best protection. 

Cheap minimum liability insurance quotes in Lawrence

To hit the road legally, Lawrence drivers must meet Kansas minimum coverage limits.
Kansas minimum liability coverage includes $25,000 in
bodily injury liability
per person, $50,000 per accident, and $25,000 of
property damage liability
. These coverages are commonly known as 25/50/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving. 
card cover
Sadie (27 years old)
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66049)
carMazda 3 Sport
$112
per month
card cover
Jose (58 years old)
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66044)
$72
per month
card cover
Ellen (22 years old)
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66044)
$139
per month
card cover
Paul (35 years old)
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66047)
$87
per month
card cover
Sarah (51 years old)
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66046)
$75
per month

Do you need more than minimum coverage in Lawrence?

For most Lawrence drivers, purchasing more liability coverage than the 25/50/25 state minimum mandated by
Kansas car insurance laws
is a very good idea. 
If you cause an accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the replacement cost can be more than $40,000—well above that $25,000 property damage limit. 
And remember,
Kansas’ car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the initial accident date. 
The bottom line: For better financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car. 

Cheap full coverage car insurance quotes in Lawrence

Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your vehicle. 
Full coverage includes comprehensive and collision insurance.
Collision coverage
covers the cost of fixing or replacing your car after an accident, while
comprehensive coverage
pays out if your vehicle is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters. If you have a loan on the vehicle, your lending agency will typically require both collision and comprehensive coverage.  
On top of a full-coverage policy, you can choose to purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. 
The table below shows some recent examples of the cheapest Lawrence full coverage quotes that Jerry’s agents helped our customers obtain.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$165
Olga, 24
Zip: 66049
Honda Accord Sport
• State Minimum Liability
• Comp / Collision
Allstate
$87
Paul, 35
Zip: 66047
KIA Optima LX
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$174
Wayne, 37
Zip: 66047
Hyundai Sonata Hybrid
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$140
Edgar, 26
Zip: 66047
Chevrolet Malibu LT
• State Minimum Liability
• Comp / Collision
State Auto
$83
Brent, 26
Zip: 66044
Ford Taurus SEL
coverageLast Updated Apr 17, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
Jerry,
a top insurance agency
, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Lawrence

Jerry has helped countless drivers in Lawrence find car insurance. Through this process, we discovered that the average cost for minimum liability coverage is $86 per month or $1,032 per year. The average price for full coverage insurance in Lawrence is $150 per month or $1,800 per year. 
While researching average insurance rates can help you predict your insurance costs, it's important to note that each driver's insurance premium is calculated based on various factors, such as the car type, driving record, claims history, and demographics. 
Remember: Car insurance companies look at many different factors when
calculating your annual premiums
, including your demographics, driving record, and discount eligibility—so your actual costs may vary significantly from the state average.

Average cost of car insurance in Lawrence by zip code

Even within the same city, car insurance rates vary based on where you live. Neighborhoods that experience more auto theft, car accidents, and other situations that can lead to insurance claims may be classified as “high-risk.” 
Drivers living in these areas typically pay more than people in other parts of the city. 
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
66046
$46
$110
66047
$43
$161
66049
$87
$191

Car insurance quotes in Lawrence by rating factors 

Insurance companies in Lawrence use many rating factors when
calculating your auto insurance premium
:  
  • Your driving record and claims history: Insurers will charge more if you’ve had accidents or tickets. 
  • Your age: Drivers younger than 25 will pay higher insurance rates as insurance providers consider young drivers a higher risk due to limited driving experience. 
  • The kind of car you own: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars. 
  • Where you store your car: Rates are likely higher if you regularly park in a neighborhood with a higher incidence of auto insurance claims. 
  • How you use your car: Insurers often charge more if you drive your vehicle to and from work than if you use it for leisure. 

How do different factors impact your car insurance costs in Lawrence?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Lawrence currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Lawrence:

Cheap car insurance quotes in Lawrence after driving violations

Your
Kansas driving record
plays a large role in your car insurance quotes. If insurance providers see a history of violations, they’ll view you as a higher risk and charge a steeper rate. Common violations that could increase your insurance rates include the following:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license

Cheapest car insurance in Lawrence after speeding ticket

In Lawrence, a speeding ticket could increase your car insurance rate. Jerry is proud to help drivers with speeding tickets of varying severities save on car insurance. 
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Safeco
$85
Iva, 42
Zip: 66044
Isuzu Ascender
• State Minimum Liability
Speeding 6-10
Safeco
$81
Tom, 35
Zip: 66046
Audi RS7
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 18, 2024

Cheapest car insurance in Lawrence after DUI

In Lawrence,
a DUI violation
can increase your insurance rates and label you as a
high-risk driver
. If you have a DUI on your record, car insurance rates can vary significantly from one insurance company to another. You’ll need to compare quotes from many insurance companies to find low-cost options after a DUI.
Jerry has helped many Lawrence drivers obtain affordable auto insurance rates after a DUI. 
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Rosie (32 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLawrence, KS
(Zip Code: 66049)
$169
per month

Cheapest car insurance in Lawrence after an at-fault accident

One of the most critical elements affecting car insurance rates is your car accident or claim history. Your car insurance rates could skyrocket if you’ve recently been in an at-fault accident. Jerry has helped many Lawrence drivers save on car insurance after accidents.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Safeco
$137
Amy, 27
Zip: 66046
Volkswagen Jetta S
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Progressive
$165
Philip, 24
Zip: 66049
Honda Accord Sport
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
AAA
$201
Rachel, 27
Zip: 66049
Ford Escape SE
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Nationwide
$174
Lena, 37
Zip: 66047
Hyundai Sonata Hybrid
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 13, 2024

Cheapest car insurance in Lawrence after other driving violations

Besides speeding tickets and DUIs, violations like
reckless driving
and driving on a suspended license can also cause your car insurance costs to increase in Lawrence.
We compiled a list of other driving violations and how we helped drivers with these offenses save on their auto insurance.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Obey Signal
Progressive
$272
Jonathan, 26
Zip: 66049
Ford Focus SE
• State Minimum Liability
Failure To Observe A Safety Zone
Bristol West
$77
Jose, 26
Zip: 66049
Mazda 3 Sport
• State Minimum Liability
coverageLast Updated Apr 15, 2024

Cheap car insurance quotes in Lawrence by age

Young drivers pay steep insurance rates due to limited driving experience. As young people turn 25, their insurance rates can drop. Car insurance costs often start rising again at the age of 75. 

Cheapest car insurance in Lawrence for young drivers

Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Lawrence. Full coverage provides better financial protection for teen car owners that drive newer cars, as teens are more likely to get into accidents—and staying on the parent’s policy is the best way to keep rates low.
card cover
Jimmy (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationLawrence, KS
(Zip Code: 66049)
$165
per month
card cover
Ellen (22 years old)
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66044)
$139
per month
card cover
Ian (24 years old)
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66044)
$171
per month
card cover
Emma (24 years old)
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66046)
carPontiac Grand Prix GT
$72
per month
card cover
Flora (21 years old)
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66044)
$114
per month

Cheapest car insurance in Lawrence for senior drivers

Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
As a result,
car insurance rates for senior drivers
start to rise once more when drivers enter their mid-70s.
card cover
Jack (68 years old)
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66049)
$167
per month

Cheap car insurance quotes in Lawrence based on insurance history

Another factor that can impact your rates is your insurance history—i.e., whether you are currently insured or not.
Any lapse in coverage
usually leads to an increase in car insurance rates.
Jerry sends payment reminders to our customers, to help ensure timely insurance payments and prevent coverage lapses. We can also help uninsured or previously lapsed customers find savings on new auto insurance policies.
card cover
Anne (28 years old)
Currently Insured
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66046)
carVolkswagen Jetta S
$181
per month
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Billy (35 years old)
Currently Insured
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66047)
$87
per month
card cover
Norman (41 years old)
Currently Insured
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66049)
$265
per month
card cover
Milton (58 years old)
Currently Insured
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66044)
$72
per month
card cover
Clearcover
Richard (32 years old)
Currently Insured
coverageCoverage
State Minimum
locationLawrence, KS
(Zip Code: 66047)
$127
per month

Cheap car insurance quotes in Lawrence for drivers with poor credit

Unfortunately, having low credit can stop you from finding the best rates. Car insurance providers aren’t comfortable with the idea that you might leave your annual premiums unpaid.
With a credit score of 550 or less, even good drivers can see their insurance rates go up. Compared to drivers with poor credit, Kansas drivers with a high credit score (750+) typically enjoy rates that are 20% cheaper than those quoted for drivers with bad credit.
It may seem challenging, but insurance options exist for drivers of all credit levels. While your credit history may impact your insurance rates, you can take steps to find the best car insurance with bad credit.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$134
Lucille, 25
Zip: 66047
Honda FIT EX
• State Minimum Liability
• Comp / Collision
660 - 750
Allstate
$87
Billy, 35
Zip: 66047
KIA Optima LX
• State Minimum Liability
• Comp / Collision
660 - 750
Safeco
$191
Alice, 23
Zip: 66049
Honda Accord Sport
• 100,000/300,000 Liability
• Comp / Collision
550 - 659
AAA
$81
Mina, 24
Zip: 66049
Buick Century Custom
• State Minimum Liability
< 550
Bristol West
$392
Essie, 41
Zip: 66049
Hyundai Elantra SEL
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 13, 2024

How to lower car insurance costs in Lawrence

1. Shop around and compare quotes

Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. 

 2. Hunt for car insurance discounts

Every insurance company offers a set of discounts, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers.
Commonly available discounts
for Kansas drivers include: 
  • Good driver discounts: Many insurance providers offer discounts for drivers with a history of safe driving. Drivers with one or fewer points on their license and no at-fault accidents may be eligible to receive good driver discounts. 
  • Telematics discounts: Many companies offer easy-to-earn discounts to drivers who use telematics to track their driving habits. You might even get a discount for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You may qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

Increasing your deductible is an easy way to lower your monthly expenses without sacrificing coverage if you've got full coverage car insurance.

Why is car insurance in Lawrence so expensive?

  • Traffic: Dense traffic in Lawrence leads to a higher rate of car accidents, which makes insurance companies charge higher prices. 
  • Crime: Living in an area with a high crime rate can lead to more car theft and vandalism, which raises the cost of comprehensive car insurance. 
  • Natural disasters: Natural disasters like tornadoes and winter storms are more common in Lawrence than in many other parts of the country. When setting rates, insurers consider the increased risk of vehicle damage from these events.

FAQs

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Acceptance, State Farm, and Farm Bureau receive good ratings from Lawrence drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
People living in Lawrence pay on average $86 per month – or $1,032 per year – on state-minimum liability coverage. Full coverage in Lawrence costs on average $150 per month of $1,800 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free. 
Based on thousands of Lawrence drivers Jerry has worked with, car insurance in Lawrence costs an average of $86 per month for state-minimum coverage and $150 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  
The state-minimum car insurance in Lawrence, Kansas is as follows:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
These coverages are commonly referred to as 25/50/25 coverage.
Additionally, Kansas also mandates personal injury protection (PIP) coverage and uninsured motorist coverage/underinsured motorist coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.