Cheapest Auto Insurance in Lawrence, Kansas (2026)
State Farm offers the cheapest car insurance in Lawrence, with minimum-coverage policies as low as $46 per month.
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Written byGeoff Williams
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Geoff Williams
27+ years writing about personal finance
Bylines in numerous notable publications
Geoff is a freelance personal finance journalist and author. He’s been published in top outlets such as The Wall Street Journal and CNN Money.
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Courtney MikulskiSenior Editor, Auto
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John LeachLicensed P&C Agent, Chief Copy Editor
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Table of contents
The total average monthly cost of car insurance in Lawrence, Kansas, is $101. The city’s cost is on par with the state average of $104 per month and lower than the national average of $136 per month.
Lawrence’s relatively cheap car insurance costs are likely due to its comparatively low population.[1] Fewer people in a city tends to mean fewer accidents and a lower crime rate.
Comparing car insurance rates from multiple companies is the best way to ensure you make the most of Lawrence’s low car insurance costs.
Quick Facts
The average monthly cost of car insurance in Lawrence is $73 for liability coverage and $128 for full coverage.
The cheapest insurers for liability coverage are State Farm, USAA, and American Family.
If you have a poor credit score in Lawrence, your insurance premiums could be almost double that of a driver with excellent credit.
Cheapest car insurance companies in Lawrence
How much you pay for car insurance in Lawrence depends not only on the insurance company you choose but also on your driving record, the amount of coverage you choose, your ZIP code, vehicle type, age, and more. That’s why it’s important to compare quotes from at least three auto insurers to find the one that offers you the best rates for the coverage you need.
To start your search, here’s a look at some of the cheapest car insurance companies in Lawrence.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| Dairyland | 7.7 | $234 | $74 | High-risk drivers |
| Safeco | 8.1 | $161 | $71 | Customizing coverage |
| Liberty Mutual | 7.7 | $199 | $120 | Discounts |
Disclaimer: Table data sourced from real-time Lawrence car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lawrence may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for high-risk drivers: Dairyland
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $69/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $220/mo |
4.0
Best choice in Lawrence, KSBased on 380 verified driver reviews and ratings
How drivers feel about Dairyland
Drivers appreciate the affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.
AI-generated from the text of verified reviews collected by Insurify
Best in Lawrence for
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
How drivers feel about Dairyland
Drivers appreciate the affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.
AI-generated from the text of verified reviews collected by Insurify
Best in Lawrence for
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Showing 3 Kansas reviews for Lawrence drivers - See all 179 Dairyland reviews
Debbie
Verified Review
Fair
Reviewed in Kansas on October 1, 2025
The price is too high for someone who hardly ever drives their car.
Ruth
Verified Review
Dairyland is Good, But...
Reviewed in Kansas on August 26, 2025
I haven't had to make any claims with the company, so I don't know how they handle claims. The agent we have has been very good with us, but we are planning on changing companies as soon as our 6 months is up with them. Their rates are way too high, even with my tickets and accident.
Michelle
Verified Review
Buying a new policy with Dairyland Insurance Company
Reviewed in Kansas on June 5, 2025
Yes, I would refer them to a friend. It was extremely easy to get and pay for my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.49A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Dairyland specializes in providing coverage for high-risk drivers. So, whether you’ve gotten into a few fender-benders on the University of Kansas campus or need an SR-22, it’s likely you can get relatively affordable coverage with Dairyland. Plus, it offers discounts, plenty of optional coverages, and SR-22 filing with no fee.
Pros
SR-22 filing available
Plenty of add-on coverages
Cons
Offers fewer discounts than other insurers
More complaints than expected with the National Association of Insurance Commissioners (NAIC)
Best insurer for customizing coverage: Safeco
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $149/mo |
4.3
Best choice in Lawrence, KSBased on 1,024 verified driver reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best in Lawrence for
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best in Lawrence for
Cash back for being claims free
Optional coverages
Diminishing deductible
Showing recent national reviews - See all 537 Safeco reviews
Alysia
Verified Review
Older Car, More Expensive
Reviewed in Alabama on March 23, 2026
My car got older, and the insurance increased over the last 3 years.
Gary
Verified Review
Shop Around... Don't Get Screwed
Reviewed in Texas on March 20, 2026
Shop around. I am 72 years old, with no tickets or accidents. They want me to pay $1,330 a year. I drive less than 25 miles a day.
Sharon
Verified Review
Safeco Insurance
Reviewed in Georgia on March 4, 2026
I would like a lower cost. I only need a tag for liability.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
One of the many benefits that Safeco offers is its various add-ons that people can include in their policies. And with the backing of insurance giant Liberty Mutual, Safeco offers relatively low average rates to drivers in Lawrence, making it a solid choice for people with tight budgets or who just want to reduce their monthly car insurance costs.
Pros
Highly rated mobile app
Guaranteed Repair Network program helps car owners find reputable repair shops
Cons
Below-average J.D. Power claims satisfaction rating
Fewer available discounts than competitors
Best insurer for discounts: Liberty Mutual
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $103/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $195/mo |
3.4
A solid option in Lawrence, KSBased on 3,739 verified driver reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best in Lawrence for
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best in Lawrence for
Numerous discounts
New and financed vehicles
Accident forgiveness
Showing recent national reviews - See all 1,901 Liberty Mutual reviews
Thomas
Verified Review
Good Coverage Ain't Cheap
Reviewed in Washington on March 28, 2026
Expensive but great coverage from Safeco / Liberty Mutual.
Jeffrey
Verified Review
Poor Service Experience
Reviewed in Pennsylvania on March 26, 2026
They don't send out insurance cards. They are cheaper than State Farm, but I had a hard time getting them to pay claims. Their towing companies are not reliable. I broke down 6 blocks from my house and it took 7 hours to get my car towed back home. I had to walk home in the rain with a walker. I'm disabled.
Sheila
Verified Review
Need more discount
Reviewed in Indiana on March 25, 2026
This is the lowest rate I can find, but they need to give discounts for age and a history of no accidents. Insurance companies are just not fair.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual has a slew of discounts for car owners. For instance, if your student attends college a couple hours away at Wichita State University and only uses your car occasionally, you could get the student-away-at-school discount.
Liberty Mutual also offers numerous discounts for being a safe driver and multi-policy and car discounts. You even get discounts for purchasing your policy online and going paperless.
Pros
Plenty of discounts
Accident forgiveness coverage available
Cons
Below-average J.D. Power customer satisfaction rating in the Central region
Below-average J.D. Power claims satisfaction rating
How to get the cheapest car insurance in Lawrence
The best way to find cheap rates for your insurance coverage is to have a driving record that demonstrates you’ve been a safe driver.
Here are some things you can do to save money and lower your premiums:
Reconsider your coverage. You could increase your deductible or drop certain options coverages, like gap or comprehensive insurance.
Bundle insurance. Purchasing additional policies, such as home insurance or life insurance, from the company you buy car insurance from can result in a discount. The more insurance products you buy from an insurer — such as motorcycle, boat insurance, or business insurance — the lower the cost you may receive across all your policies.
Look for discounts. Ask your insurance agent if they know what discounts you can qualify for to get better car insurance rates. Generally, you can get discounts for being claims-free, taking an approved defensive driving course, signing up for paperless billing, and more.
Drive safely. Your driving record plays a big role in your car insurance premiums. Follow traffic laws to maintain a good driving record and get lower car insurance rates upon renewal.
Find Cheap Car Insurance in Lawrence, Kansas
Liability rates start at $46 per month
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Cheapest liability-only car insurance in Lawrence: State Farm
Liability-only car insurance covers repairs and medical bills for the other party in a car accident that you’ve caused.
However, it doesn’t cover your own injuries or vehicle repairs. And if your policy only covers the minimum required amount, you may still be financially responsible if the other driver’s damage and injury costs exceed your policy limits.
Liability is generally going to be cheaper than a full-coverage policy, and State Farm is the cheapest car insurance company in Lawrence, with rates of $46 per month.
The table below shows average monthly rates for top insurers that offer liability coverage in Lawrence.
The below rates in Lawrence, KS, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $46 |
| USAA | $51 |
| American Family | $55 |
| Root | $56 |
| Auto-Owners | $59 |
| CSAA | $59 |
| Progressive | $65 |
| Safeco | $66 |
| Dairyland | $69 |
| National General | $69 |
| GEICO | $70 |
| Bristol West | $71 |
| Travelers | $79 |
| The General | $82 |
| Allstate | $85 |
| Direct Auto | $87 |
| Liberty Mutual | $103 |
| Farmers | $104 |
| Nationwide | $106 |
| Shelter | $126 |
Disclaimer: Table data sourced from real-time Lawrence car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lawrence may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Lawrence: State Farm
Full-coverage car insurance offers more protection than liability coverage by adding at least comprehensive and collision coverage. This makes full-coverage policies more expensive because you have coverage for more situations.
If you want cheap car insurance, then liability insurance may be the way to go. If you want as much protection as possible on the road, paying for full coverage may be worth the additional expense.
However you find the best deal, comparing insurers to see which one offers you the coverage options you need and want at the price you can afford is a smart strategy.
Here’s a list of full-coverage quotes from the cheapest insurers in Lawrence.
The below rates in Lawrence, KS, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $95 |
| USAA | $105 |
| Root | $108 |
| American Family | $112 |
| National General | $120 |
| Auto-Owners | $123 |
| Progressive | $127 |
| CSAA | $136 |
| GEICO | $145 |
| Safeco | $149 |
| Direct Auto | $150 |
| Travelers | $164 |
| Allstate | $176 |
| Bristol West | $176 |
| Liberty Mutual | $195 |
| The General | $197 |
| Farmers | $214 |
| Nationwide | $219 |
| Dairyland | $220 |
| Shelter | $261 |
Disclaimer: Table data sourced from real-time Lawrence car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lawrence may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lawrence, Kansas
Recent Lawrence, Kansas car insurance prices for Pontiac, Toyota, Ford , and more.
*Quotes generated for Insurify users in and around Lawrence, Kansas within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lawrence, Kansas within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Kansas
In Kansas, you must carry liability coverage for body and property as well as uninsured and underinsured motorist coverage. You’ll also need to carry personal injury protection insurance (PIP), also known as no-fault insurance.
No-fault insurance is a coverage that ensures that if you’re in an accident, no matter who was at fault, your insurance will cover your injuries as well as those of household members in the vehicle.
PIP insurance also pays for costs such as hospital bills, disability and lost income, rehabilitation expenses, required in-home services care, and funeral and burial expenses.
Here are the minimum car insurance requirements necessary for Kansas drivers:[2]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection (PIP) |
|
| Uninsured/underinsured motorist | $25,000 per person / $50,000 per accident |
It could be a good idea to pay for coverage that goes beyond the minimum requirements. You might want to consider purchasing these optional coverages for more financial protection:
Collision coverage
Collision coverage pays for vehicle repairs if you hit a stationary object or another vehicle, even if you’re at fault.
Comprehensive coverage
Comprehensive coverage pays for vehicle repairs after non-collision events, such as theft, vandalism, weather damage, and more.
Gap insurance
Gap insurance covers the difference between the auto loan on a financed car and insurance settlement in the event of a total loss.
Rental reimbursement coverage
If your vehicle is in the shop for repairs during a covered claim, this coverage pays for a rental car for you to drive in the meantime.
Cheapest car insurance for drivers with an incident
If you have an incident on your driving record — like a speeding ticket, at-fault accident, or driving under the influence (DUI) — your insurance premiums are likely to increase. Insurers look for patterns, and if you have an incident, they see that as an increased risk for filing a claim and raise rates to compensate.
For example, drivers with clean records in Lawrence pay an average of $73 per month for liability insurance, but that rate increases to $92 per month after a speeding ticket, $105 per month after an at-fault accident, and $96 per month after a DUI conviction.
Here are the cheapest insurance companies in Lawrence by driving history.
The below rates in Lawrence, KS, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $46 | $59 | $63 | $64 |
| USAA | $51 | $66 | $71 | $71 |
| American Family | $55 | $72 | $77 | $77 |
| Root | $56 | $75 | $78 | $79 |
| Auto-Owners | $59 | $77 | $81 | $82 |
| CSAA | $59 | $76 | $90 | $82 |
| Progressive | $65 | $82 | $93 | $85 |
| Safeco | $66 | $87 | $96 | $98 |
| Dairyland | $69 | $87 | $95 | $96 |
| National General | $69 | $86 | $96 | $96 |
| GEICO | $70 | $92 | $95 | $97 |
| Bristol West | $71 | $90 | $98 | $99 |
| Travelers | $79 | $103 | $111 | $110 |
| The General | $82 | $110 | $118 | $115 |
| Allstate | $85 | $111 | $119 | $119 |
| Direct Auto | $87 | $109 | $124 | $122 |
| Liberty Mutual | $103 | $131 | $143 | $144 |
| Farmers | $104 | $134 | $145 | $145 |
| Nationwide | $106 | $138 | $149 | $148 |
| Shelter | $126 | $168 | $177 | $176 |
Disclaimer: Table data sourced from real-time Lawrence car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lawrence may vary based on the policy buyer's unique driver profile.
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Average cost of car insurance by age
Teens and young drivers generally have the highest car insurance premiums out of any other age group because they’re most statistically likely to have an accident due to their limited driving experience.
On average, Lawrence teen drivers pay $147 per month for liability insurance. Rates tend to get cheaper as you age, until you reach 70 years old, when insurance premiums begin to rise again.
Senior drivers’ age-related health issues can contribute to higher accident mortality rates and declining driving capabilities.[3] However, they still pay relatively affordable liability insurance premiums, at an average of $60 per month in Lawrence.
The table below shows how age affects average car rates for Lawrence drivers.
Age | Average Monthly Quote |
|---|---|
| Teens | $293 |
| 20s | $202 |
| 30s | $146 |
| 40s | $134 |
| 50s | $116 |
| 60s | $105 |
| 70s | $109 |
Disclaimer: Table data is based on real-time Lawrence quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Car Insurance in Lawrence
Average liability rates start at only $73
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Lawrence car insurance quotes by credit tier
Most states, including Kansas, allow insurers to use drivers’ credit history to generate a credit-based insurance score, which they then use in setting car insurance premiums. However, credit can’t be the only factor insurers use when underwriting policies, and insurers can’t take adverse action against you because you don’t have credit history.[4]
Insurers believe that a person’s credit history is an indicator of how likely they are to file a claim. So drivers with excellent or good credit scores generally spend less on insurance premiums than drivers with poor credit scores.
The following table shows how Lawrence drivers’ credit affects average car insurance premiums.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Lawrence car insurance FAQs
Learn how to switch your car insurance company with Insurify’s guide, and check out the answers to common questions about Lawrence auto coverage.
How much is car insurance in Lawrence?
The average cost of car insurance in Lawrence is $73 per month for liability coverage and $128 per month for full coverage.
Which company has the cheapest car insurance in Lawrence?
The cheapest insurers for liability coverage in Lawrence are State Farm, USAA, and American Family, which have rates as low as $46, $51, and $55 per month, respectively.
But the best way to find the cheapest rates for your driver profile is to compare and shop car insurance quotes. Use an online quote-comparison tool to help you gather many quotes in one place and find the insurer that offers the best rates for the coverage you need.
What are the best car insurance companies in Lawrence?
Some of the best car insurance companies in Lawrence are Dairyland, Liberty Mutual, and Safeco. These companies have solid mobile apps for drivers to manage their policies, low average rates, and solid Insurify Quality Scores.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- U.S. Census Bureau. "QuickFacts: Lawrence city, Kansas."
- Kansas Insurance Department. "Auto Insurance."
- Insurance Institute for Highway Safety. "Older drivers."
- Kansas State Legislature. "Article 51. - Insurance Score Act."
)
Written byGeoff Williams
Geoff Williams
27+ years writing about personal finance
Bylines in numerous notable publications
Geoff is a freelance personal finance journalist and author. He’s been published in top outlets such as The Wall Street Journal and CNN Money.
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Geoff is a freelance personal finance journalist and author. He’s been published in top outlets such as The Wall Street Journal and CNN Money.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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