Cheap Auto Insurance Quotes in Lawrence, KS (2021)

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Car Insurance in Lawrence, KS

The average cost of Kansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lawrence, KS to find you the cheapest quotes in the area.

$54
$58
$82
$106
$125
AllstateState FarmNationwideProgressiveTravelers

Cheapest Car Insurance in Lawrence

Here are the cheapest carriers in Lawrence for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

$123
$122
$142
$103
$127
$120
KansasWichitaKansas CityOlatheTopekaLawrence

Click here to learn about car insurance quotes and save on your current policy.

Lawrence, KS Driving Facts

kansas

Minimum Car Insurance Requirements in KS

Each state has at least a few differences in how it manages and enforces car insurance laws, so it’s important to understand the quirks and nuances of your state like this one: Is car insurance required in Kansas? Well, yes and no.

It may seem rare, but several states, including Kansas, offer alternatives to carrying insurance. This alternative is called Financial Responsibility in Kansas. Essentially, instead of going through an insurance company to cover damages drivers cause, drivers pay for damages out of their own pockets. Before they can legally drive without a policy, they must file proof of financial responsibility with the state.

For some drivers, this may seem like a great option. But for most everyone, driving without insurance is like walking a tightrope with no safety net—over the Grand Canyon in a windstorm. 

If you (hopefully) decide to purchase coverage, then you’ll need to purchase at least the required minimum coverage. These are:

  • $25,000/$50,000 bodily injury liability per person/accident
  • $25,000 property damage liability
  • $25,000/$50,000 uninsured and underinsured motorist protection 
  • $4,500 personal injury protection coverage per person

These are called minimum requirements for a reason. Drivers can certainly purchase higher liability coverage limits for themselves and their families, and many drivers should. Once the limits are reached in the event of an accident, the driver at fault will be required to cover damages.

For drivers who often cart around several passengers at a time, it’s easy to see how quickly minimums will be exceeded. The same logic also applies to underinsured/uninsured motorist coverage limits.

Find local Lawrence agents

Prairie Land Group, LLC
123 W 8th Street, Suite 101, Lawrence, KS 66044
Stephens Chapin Insurance
2711 W 6th St, Suite A, Lawrence, KS 66049
Beasley Insurance, Inc.
2336 Ridge Court, Lawrence, KS 66046-3983
Edie Insurance Group, LLC
3109 W. 6th Street Ste #B, Lawrence, KS 66049
Integrity Midwest Insurance LLC
2500 W 31st St Ste B, Lawrence, KS 66047-3051
DM Bruce Insurance
4911 Legends Drive, Lawrence, KS 66049
Hedges Insurance Agency
1035 Vermont Street Ste A, Lawrence, KS 66044
Prodigy Insurance Consulting, Inc
1201 Wakarusa Drive Suite 111E, Lawrence, KS 66049
Calvin, Eddy & Kappelman, Inc.
1011 Westdale Rd, Lawrence, KS 66049-2638
Free State Insurance Agency
917 Iowa St, Lawrence, KS 66044

Insurify Insights: How Lawrence Drivers Measure Up

toyota
Toyota Corolla
Most Popular Car in
Lawrence, KS
suspended licenses
#9
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Lawrence drivers measure up to their fellow Kansas motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Lawrence

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lawrence drivers rank 3 in the number of car accidents per driver across all cities in Kansas.

  • Rank within state: #3
  • Percent of drivers in Lawrence with an accident: 12.5%
  • Drivers in Lawrence, KS with an accident in their driving history paid on average 18.63% more than drivers with a clean record

Speeding Lawrence

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kansas, Lawrence drivers rank 10 in the number of speeding infractions per driver.

  • Rank within state: #10
  • Percent of drivers in Lawrence with a speeding ticket: 11.13%
  • Drivers in Lawrence, KS with a speeding ticket in their driving history paid on average 23.6% more than drivers with a clean record

DUI/DWIs Lawrence

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lawrence drivers rank 4 in the number of DUI’s per driver across all cities in Kansas.

  • Rank within state: #4
  • Percent of drivers in Lawrence with a DUI: 2.4%
  • Drivers in Lawrence, KS with a DUI in their driving history paid on average 1.86% more than drivers with a clean record

Most Popular Vehicle Lawrence

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lawrence is the Toyota Corolla.

Rude Lawrence

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Kansas, Lawrence drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Lawrence with a reckless driving violation: 2.57%
  • Drivers in Lawrence, KS with a reckless driving violation in their driving history paid on average 5.59% more than drivers with a clean record.

Safest Drivers Lawrence

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lawrence drivers rank 3 in clean driving records across all cities in Kansas.

  • Rank within state: #3
  • Percent of drivers in Lawrence with clean record: 78.08%

Failure to Yield the Right of Way Lawrence

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Lawrence drivers rank 1 in failure to yield violations per driver across all cities in Kansas.

  • Rank within state: #1
  • Percent of drivers in Lawrence with a failure to yield violation: 0.68%
  • Drivers in Lawrence, KS with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Lawrence

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Kansas, Lawrence drivers rank 6 in the number of reckless driving offenses per driver.

  • Rank within state: #6
  • Percent of drivers in Lawrence with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Lawrence

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lawrence drivers rank 6 in hybrid and electric vehicle ownership across all cities in Kansas.

  • Rank within state: #6
  • Percent of drivers in Lawrence with a hybrid/electric vehicle: 0.74%

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.