Lawrence, KS Car Insurance

On average, drivers in Lawrence pay around $57 per month for their car insurance. For more information refer to our guide below.
What rates should residents of Lawrence expect to pay for their car insurance? How does Lawrence stack up to the rest of the area, or even Kansas as a whole? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Lawrence?

Area Average Monthly Car Insurance Premium
Lawrence$57
KS$58
United States$80

Based on the chart above, you can see that car insurance rates in Lawrence are in line with rates across the rest of Kansas.

Compared to the national average cost of auto insurance coverage, Lawrence has lower rates. Auto insurance coverage in Lawrence is about $23 cheaper than it is for the rest of the U.S.

These rates may be the average amount Lawrence residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

Don't sweat it however, we've broken down average rates for Lawrence residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$91
25-34$42
35-44$52
45-54$44
55-64$38
65+$36

It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay two times the price that someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement, however, you may see your rates climb back up in Lawrence.

Average Car Insurance Rates by Gender

Gender Average
Male$61
Female$53

In general, women pay slightly less for car insurance than men. In Lawrence, male drivers pay about $8 more a month. As illustrated in the table above, male drivers in the area pay about $61 on average, while female drivers pay around $53 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$78
Multiple Accidents$90
1 Ticket$84
Multiple TicketsNot Enough Data

Rates can vary wildly depending on your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Lawrence, a driving record with a single accident will usually get you a rate around $78 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $84.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$42
2-3 Years$56
4-5 Years$39
6-7 Years$53
8-10 Years$55
11-14 Years$65
15 Years or Older$58

In Lawrence, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $49 per month for insurance coverage.

Car owners will see a monthly bill of about $59, while SUV owners by and large pay around $51 per month.

The age of your vehicle can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. However, if your car is a few years old, you can expect to see your rates start dropping back down. In Lawrence, vehicles eleven-to-fourteen years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$63
Married$50
Divorced$38
Widowed$37

More often than not, those who have settled down into marriage will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

The difference in rates based on relationship status in Lawrence can be as much as $13 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$50
Rent$56
Live with parents$90

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $6 a month more than homeowners in Lawrence. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Lawrence, KS

Recent trends in car insurance for Lawrence drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.

The rates for car insurance in Lawrence had been increasing from 2016-2017, when they reached a high of $65. This trend leveled out in 2020, when they began to decrease, and have continued on that path through the present, where insurance rates finished at $39 a month.

How does Lawrence compare to neighboring areas?

Why are car insurance rates in Lawrence different from other areas?

There are a variety of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:

  • Road Safety (frequency of car accidents)
  • Off-street parking access
  • Total number of drivers in the region
  • Prevalence of crime
  • Area laws

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Lawrence?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! Compare.com can handle all of this for you. Just put in your ZIP Code below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies offering policies in Lawrence.

Compare the cheapest quotes from dozens of insurance companies

Lawrence Insurance FAQs

What factors affect car insurance quotes in Lawrence?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Lawrence different from other neighboring cities?

Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Lawrence?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Lawrence?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Lawrence or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes