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How much does auto insurance cost in Lawrence?

The typical Lawrence driver pays $1,493 per year for car insurance coverage. That's cheaper than the average in Kansas ($1,622) and less expensive than the nationwide average of $1,548. Our guide to car insurance in Lawrence — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history and marital status. Read on for more information.

Lawrence Average (annual) Kansas Average National Average
$1,493 $1,622 $1,548

Table of contents:

Lawrence auto insurance premiums by provider

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the carrier from which you receive the most affordable quote. In Lawrence, Iowa Farm Bureau provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Lawrence below. Remember that this list should only be seen as a starting point: it's important to compare quotes specific to your unique driving profile.

Insurer Average Annual Rate
Iowa Farm Bureau $1,038
State Farm $1,071
American Family $1,195
Progressive $1,503
Farmers $1,743

Check out our guide to learn how to find the best cheap car insurance.

Lawrence car insurance premiums by age

The best age for car insurance rates as a driver in Lawrence is your 50s: drivers in this age group pay an average of $1,263 per year. Those in their 60s don't pay significantly more ($1,270).

The Lawrence drivers facing the priciest insurance rates are teenagers. When drivers hit their 20s in Lawrence and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Lawrence is $2,974. That's the biggest gap in premiums between any pair of age brackets.

Age tier Average Yearly Rate
Teenagers $4,916
20s $1,942
30s $1,474
40s $1,410
50s $1,263
60s $1,270
70s $1,472

Learn more about how age influences auto insurance rates.

Lawrence auto insurance costs by marital status and gender

Marital status and gender are contributing factors to car insurance costs in some cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Lawrence pay $124 less than single drivers for auto insurance.

Another component of auto insurance pricing is gender. In Lawrence, female drivers pay $28 per year more than do male drivers.

Marital Status/Gender Average Yearly Rate
Female $1,521
Male $1,493
Single $1,493
Married $1,369
Divorced $1,493
Widowed $1,456

Read more about the relationships between gender, marital status and insurance rates.

Lawrence auto insurance costs by driving history

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents can lead to increases in your auto insurance rates.

Two of the most costly citations to receive are DUI and reckless driving. Lawrence drivers found guilty of reckless driving face insurance rate increases of $531 per year, compared to the citywide average. A DUI violation is likely to cause a $594 increase, while a citation for speeding leads to a $267 rate hike.

Incident/Violation Average Yearly Rate
DWI/DUI $2,087
Reckless Driving $2,024
At-fault Accident (damages less than $1,000) $1,842
At-fault Accident (damages greater than $2,000) $2,138
Speeding Ticket (16-20 mph over speed limit) $1,760

Learn more about the impact of driving violations on car insurance rates.

Lawrence car insurance costs by credit score

A driver's credit level can be closely correlated with their auto insurance rates. In fact, Lawrence drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 50% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Lawrence, improving your credit to "Fair" could help you earn a $422 decrease in yearly insurance premiums.

Credit Tier Average Annual Rate
Very Poor $2,604
Fair $2,182
Good $1,835
Very Good $1,563
Exceptional $1,315

Get more information on how credit impacts car insurance costs.

Renata Balasco photo
Renata BalascoAssociate Content Strategist

Renata is a licensed insurance professional and content strategist responsible for creating home and auto insurance guides for The Zebra.

Renata's background in technical writing and her experience working in the insurance industry informs her work. She holds a bachelor’s degree in communications.

Renata's work has been cited by Car and Driver

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.