Car Insurance in Lawrence, Kansas
Estimated full coverage in Lawrence runs about $1,420 a year ($118/month) — ▲ +11% versus the Kansas average, ranking 1st most expensive of the 8 Kansas cities we cover.
Why car insurance in Lawrence costs more than the Kansas average
Insurers price by territory, and Lawrence's numbers explain most of the gap. With 97,271 residents on 34.6 square miles, the city's density (2,810 people per square mile) is 6.8 times the density where the typical Kansas resident lives (413). The average commute is 19.8 minutes (Kansas: 19.7), and 68% of workers drive alone. Together these put our location factor at 1.11× the state baseline for liability and collision, and 1.10× for comprehensive once FEMA weather risk for Douglas County is included.
| Factor | Lawrence | Kansas ref. | Why it matters |
|---|---|---|---|
| Population density | 2,810 / sq mi | 413 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 19.8 min | 19.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.8% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 67.6% | — | Share of workers commuting by car. |
| Public transit to work | 2.9% | — | Transit use lowers how much residents drive. |
| Work from home | 15.5% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.4% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 69.0 | 74.6 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Lawrence
Rates can change from one ZIP code to the next. Across 5 Lawrence ZIP codes, our full-coverage estimate ranges from $1,280 in 66044 to $1,350 in 66049. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 66049 | 32,015 | 708 | 22.0 min | 8.7% | $1,350 | −5% |
| 66044 | 28,820 | 449 | 18.1 min | 8.9% | $1,280 | −10% |
| 66047 | 20,473 | 352 | 20.4 min | 6.0% | $1,285 | −10% |
| 66046 | 19,658 | 481 | 21.0 min | 6.9% | $1,315 | −7% |
| 66045 | 1,925 | 1,728 | 10.2 min | 0.0% | $1,280 | −10% |
Minimum car insurance in Lawrence
Lawrence drivers follow Kansas's rules: at least 25/50/25 liability coverage, personal injury protection, and uninsured motorist coverage. Kansas is no-fault. We estimate state-minimum coverage in Lawrence at $450 a year, and $650 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | 4,500 medical PIP is required: at least $4,500 medical, $4,500 rehabilitation, $900 per month disability, $25 per day substitution services, $2,000 funeral and $900 per month survivor benefits. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist coverage is required; only limits above the 25/50 minimum may be rejected in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Uninsured motorist coverage must include an underinsured motorist provision. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Risk factors that shape Lawrence premiums
Accidents
Kansas recorded 339 traffic deaths, or 1.07 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Kansas's vehicle theft rate is 215 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Douglas County as relatively moderate for hail, relatively low for inland flooding and relatively high for strong wind.
Traffic & commuting
2.8% of Lawrence commuters spend an hour or more getting to work, and there are 1.70 vehicles per household. 15.5% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 92.3 | Comprehensive (car); roof claims (home) | |
| Tornado | 92.4 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 72.8 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 87.5 | Comprehensive; dwelling | |
| Winter weather | 96.7 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Lawrence by driver profile
A clean-record driver in their 50s pays the least in our Lawrence model (about $1,305 for full coverage); an 18-year-old on their own policy pays about $3,910, and a DUI pushes a 30-something to $2,630.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,230 | $1,785 | $3,910 | $326 |
| Young adult (22) | $715 | $1,040 | $2,275 | $190 |
| Adult in their 30s | $450 | $650 | $1,420 | $118 |
| Adult in their 50s | $410 | $600 | $1,305 | $109 |
| Senior (72) | $500 | $730 | $1,590 | $133 |
| 30s, one at-fault accident | $650 | $940 | $2,060 | $172 |
| 30s, DUI on record | $830 | $1,200 | $2,630 | $219 |
Minimum vs. standard vs. full coverage in Lawrence
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $450 | $37 | $365–$530 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $650 | $54 | $535–$765 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,420 | $118 | $1,165–$1,675 |
Estimate your premium in Lawrence
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Cheap car insurance in Lawrence: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Lawrence's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $105 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $100 | You're among the 15.5% of Lawrence workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $425 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $770 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $315 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Lawrence
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 27 offices listed below.
- Check complaint records with the Kansas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Lawrence, our estimates differ by up to $70 a year between neighborhoods.
Car insurance agents near Lawrence, KS
We found 27 insurance offices within about 4 miles of central Lawrence, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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CEK Insurance
1011 Westdale Road, Lawrence, KS 66049 -
ICT Insurance Group
917 Iowa Street, Lawrence, KS 66044 -
Lukas Stone - Farmers Insurance
3300 Bob Billings Pkwy, Lawrence, KS 66049 -
Prairie Land Insurance
3300 Bob Billings Parkway, #1, Lawrence, KS 66049 -
Shelter Insurance
1420 Kasold Drive, #B, Lawrence, KS 66049 -
Justin Holt - State Farm
2500 W 6th Street, Suite I, Lawrence, KS 66049 -
Edie Insurance Group
3109 West 6th Street, #A, Lawrence, KS 66049 -
Julie Krische - American Family Insurance
3200 Mesa Way, Ste D, Lawrence, KS 66049 -
Kristi R Keefer - Farmers Insurance
3300 Mesa Way, Lawrence, KS 66049 -
Jesua Moreno - Farmers Insurance
601 Missouri St, Lawrence, KS 66044 -
Farmers Insurance
3300 Clinton Parkway Court, #110, Lawrence, KS 66047 -
Kansas Insurance
3801 West 6th Street, Lawrence, KS 66049 -
Jenny Huber - American Family Insurance
2420 Iowa St, Lawrence, KS 66046 -
AAA Insurance
3514 Clinton Parkway, #K, Lawrence, KS 66047 -
Farm Bureau Financial Services
2201 West 25th Street, #S, Lawrence, KS 66047 -
Farmers Insurance
2201 West 25th Street, #F2, Lawrence, KS 66047 -
Hedges Insurance
1035 Vermont Street, Lawrence, KS 66044 -
Flummerfelt & Associates LLC
2601 Iowa St, Lawrence, KS 66046 -
Allstate
2233 Louisiana Street, #H2, Lawrence, KS 66046 -
Justin Moravec - American Family Insurance
4106 W 6th St, Ste C, Lawrence, KS 66049 -
Rochelle Tramp - State Farm
4205 W 6th St, Ste A, Lawrence, KS 66049 -
Dave Nuzum - American Family Insurance
120 E 9th St, Ste 107, Lawrence, KS 66044 -
Integrity Midwest Insurance
2500 West 31st Street, #B, Lawrence, KS 66047 -
Kaitlan Fishburn & Associates LLC
3010 Four Wheel Dr, Ste 2, Lawrence, KS 66047 -
State Farm
4821 West 6th Street, #O, Lawrence, KS 66049 -
Tim Waltrip - Allstate
2321 Harper St, Lawrence, KS 66046 -
Local Life Insurance Specialist: Meet OLGA OLIVAS
2334 Surrey Dr, Lawrence, KS 66046
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Lawrence
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,060 | −25% |
| Subaru Outback | Wagon | $1,080 | −24% |
| Tesla Model 3 | Midsize car | $1,470 | +4% |
| Subaru Forester | Small SUV | $1,060 | −25% |
| Honda Civic | Compact car | $1,580 | +11% |
| Toyota Corolla | Compact car | $1,480 | +4% |
| Jeep Wrangler | Midsize SUV | $1,120 | −21% |
| Mazda CX-5 | Small SUV | $1,180 | −17% |
| MINI Cooper | Subcompact car | $1,065 | −25% |
| Tesla Model Y | Midsize SUV | $1,325 | −7% |
Car insurance in nearby Kansas cities
- Topeka $1,360/yr · 24 mi
- Olathe $1,415/yr · 25 mi
- Lenexa $1,380/yr · 25 mi
- Shawnee $1,410/yr · 30 mi
- Kansas City $1,395/yr · 30 mi
- Overland Park $1,415/yr · 31 mi
- Wichita $1,405/yr · 143 mi
All Kansas cities and state rules · Homeowners insurance in Lawrence
Frequently asked questions
How much is car insurance in Lawrence, KS?
We estimate full coverage in Lawrence at about $1,420 a year ($118 a month) for a driver in their 30s with a clean record, and about $450 for Kansas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Lawrence more expensive than the Kansas average?
Our Lawrence estimate is 11% higher than the statewide figure. The model reflects a population density of 2,810 people per square mile (the typical Kansas resident lives at about 413) and an average commute of 19.8 minutes versus 19.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Lawrence?
Drivers in Lawrence follow Kansas law: at least 25/50/25 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Lawrence has the cheapest car insurance?
Among Lawrence's 5 ZIP codes, 66044 has the lowest estimate (about $1,280 a year for full coverage) and 66049 the highest (about $1,350), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Lawrence?
An 18-year-old with their own full-coverage policy would pay around $3,910 a year in Lawrence by our estimate ($1,230 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Lawrence?
Yes. FEMA's National Risk Index rates Douglas County for tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Lawrence?
We list 27 insurance offices in and around Lawrence, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- K.S.A. 40-3107 (required motor vehicle liability policy provisions)
- K.S.A. 40-3103 (PIP benefit definitions)
- K.S.A. 40-3117 (tort threshold)
- K.S.A. 40-284 (uninsured/underinsured motorist coverage)
- Kansas Department of Insurance: Auto
- Kansas Department of Insurance: File an Insurance Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Lawrence and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places