Cheapest Auto Insurance in Lawrence, Kansas (2025)
CSAA offers the cheapest car insurance in Lawrence, with minimum-coverage policies as low as $53 per month.
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Written byGeoff Williams
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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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Edited byCourtney Mikulski
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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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Table of contents
The total average monthly cost of car insurance in Lawrence, Kansas, is $114. The city’s cost is on par with the state average of $117 per month and lower than the national average of $150 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 $81 for liability coverage and $146 for full coverage.
The cheapest insurers for liability coverage are CSAA, Root, and Progressive.
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 | $231 | $82 | High-risk drivers |
| Safeco | 8.1 | $163 | $74 | Customizing coverage |
| Liberty Mutual | 7.7 | $214 | $116 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 | 3.7 |
|---|---|
| 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. | $80/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. | $225/mo |
3.7
A solid optionBased on 309 verified guest 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 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 For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Reviews (162)
Joseph
Verified Review
Phenomenal customer service
Reviewed in Wisconsin on June 2025
Anytime I've had to call and handle anything dealing with my insurance policy, it's always been a smooth, quick process.
Bobbi
Verified Review
Never really had interaction with anybody who works there; it's all been done online
Reviewed in Wisconsin on June 2025
Rates are reasonable, and everything is done online.
Michelle
Verified Review
Buying a new policy with Dairyland Insurance Company
Reviewed in Kansas on June 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 | 4.4 |
|---|---|
| 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. | 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. | $72/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. | $159/mo |
4.4
Best choiceBased on 877 verified guest 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 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 For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (492)
Judith
Verified Review
Good coverage at a high price
Reviewed in South Carolina on July 2025
Cost was my only reason for changing carriers.
Judith
Verified Review
Driving 2,000 miles last year has become very expensive with latest insurance rates
Reviewed in Washington on July 2025
They were good about handling an accident claim five years ago, but when I talked to someone about better insurance rates, they never called back.
Donald
Verified Review
DC insurance
Reviewed in Oregon on June 2025
Safeco is a good insurance company. The website is easy to navigate. I did not file a claim, so it would be difficult to answer questions regarding service.
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 | 3.5 |
|---|---|
| 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. | $113/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. | $207/mo |
3.5
A solid optionBased on 3,029 verified guest 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 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 For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,737)
Lesley
Verified Review
Excellent
Reviewed in North Carolina on July 2025
I just need a better quote than what I currently pay with them.
Echo
Verified Review
They Rob Your Wallet
Reviewed in South Carolina on July 2025
They raised rates consistently every 6 months.
Jan
Verified Review
Worst Insurance Company
Reviewed in Tennessee on July 2025
Listed phone numbers are diversions to other companies not related to car insurance at all. No phone number works. You cannot reach a representative from any number listed for Liberty Mutual Auto Insurance. This company increases the premium every few months! I started with a $41 premium and it is now $59. I cannot afford this on a limited income and cannot reach anyone to cancel it. It's the worst experience ever. Do not recommend at all, ever!
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 $53 per month
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Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Lawrence: CSAA
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 CSAA is the cheapest car insurance company in Lawrence, with rates of $53 per month.
The table below shows average monthly rates for top insurers that offer liability coverage in Lawrence.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $53 |
| Root | $63 |
| Progressive | $72 |
| Safeco | $72 |
| State Farm | $76 |
| Bristol West | $78 |
| National General | $78 |
| Dairyland | $80 |
| USAA | $83 |
| American Family | $89 |
| The General | $93 |
| Auto-Owners | $97 |
| Direct Auto | $102 |
| Liberty Mutual | $113 |
| GEICO | $116 |
| Travelers | $131 |
| Allstate | $140 |
| Farmers | $170 |
| Nationwide | $173 |
| Shelter | $208 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $99 |
| USAA | $109 |
| Root | $115 |
| American Family | $117 |
| CSAA | $126 |
| Auto-Owners | $129 |
| Progressive | $131 |
| National General | $138 |
| GEICO | $152 |
| Safeco | $159 |
| Travelers | $171 |
| Direct Auto | $175 |
| Allstate | $184 |
| The General | $192 |
| Bristol West | $197 |
| Liberty Mutual | $207 |
| Farmers | $223 |
| Dairyland | $225 |
| Nationwide | $228 |
| Shelter | $273 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lawrence, Kansas
Recent Lawrence, Kansas car insurance prices for Buick, Nissan, Mazda , and more.
*Quotes generated for Insurify users in and around Lawrence, Kansas within the last 10 days. Last updated on July 16, 2025. 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 July 16, 2025. 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 July 16, 2025. 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 July 16, 2025. 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 $81 per month for liability insurance, but that rate increases to $103 per month after a speeding ticket, $106 per month after an at-fault accident, and $110 per month after a DUI conviction.
Here are the cheapest insurance companies in Lawrence by driving history.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| CSAA | $53 | $67 | $72 | $75 |
| Root | $63 | $83 | $81 | $89 |
| Progressive | $72 | $91 | $94 | $98 |
| Safeco | $72 | $92 | $98 | $106 |
| State Farm | $76 | $93 | $97 | $107 |
| Bristol West | $78 | $98 | $101 | $110 |
| National General | $78 | $97 | $100 | $110 |
| Dairyland | $80 | $100 | $103 | $113 |
| USAA | $83 | $103 | $107 | $117 |
| American Family | $89 | $112 | $115 | $125 |
| The General | $93 | $122 | $125 | $131 |
| Auto-Owners | $97 | $122 | $124 | $137 |
| Direct Auto | $102 | $128 | $135 | $144 |
| Liberty Mutual | $113 | $143 | $148 | $159 |
| GEICO | $116 | $148 | $140 | $164 |
| Travelers | $131 | $164 | $169 | $185 |
| Allstate | $140 | $174 | $179 | $197 |
| Farmers | $170 | $212 | $219 | $240 |
| Nationwide | $173 | $217 | $224 | $244 |
| Shelter | $208 | $270 | $270 | $293 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $175 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 $68 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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Lawrence
Average liability rates start at only $81
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Based on 3,806+ reviews
4.8/5
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 $81 per month for liability coverage and $146 per month for full coverage.
Which company has the cheapest car insurance in Lawrence?
The cheapest insurers for liability coverage in Lawrence are CSAA, Root, and Progressive, which have rates as low as $53, $63, and $72 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 90 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."
)
Geoff Williams
Geoff Williams is a freelance journalist who has written personal finance articles for most of his career and for numerous publications, including U.S. News & World Report, The Wall Street Journal, Bankrate, CNNMoney.com and Forbes.com. He is also the author of several books, including “C.C. Pyle’s Amazing Foot Race” and “Washed Away,” and writes a classic TV blog called “The TV Professor.”
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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