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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.
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.
| Cheapest Companies | |
|---|---|
 Allstate | $54/mo |
 State Farm | $58/mo |
 Nationwide | $82/mo |
Progressive | $106/mo |
 Travelers | $125/mo |
| Wichita | $122/mo |
| Kansas City | $142/mo |
| Olathe | $103/mo |
| Topeka | $127/mo |
| Lawrence | $120/mo |
| Kansas | $123/mo |
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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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
