Cheapest Auto Insurance in Lawrence, Kansas (2025)

The total average monthly cost of car insurance in Lawrence, Kansas, is $112. The city’s cost is on par with the state average of $112 per month and lower than the national average of $143 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.

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.

Best insurer for high-risk drivers: Dairyland

Best insurer for customizing coverage: Safeco

Best insurer for discounts: Liberty Mutual

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.

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 $52 per month.

The table below shows average monthly rates for top insurers that offer liability coverage in Lawrence.

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.

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

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:

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 $80 per month for liability insurance, but that rate increases to $100 per month after a speeding ticket, $105 per month after an at-fault accident, and $129 per month after a DUI conviction.

Here are the cheapest insurance companies in Lawrence by driving history.

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 $165 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.

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.

Lawrence car insurance FAQs