Auto insurance costs an average of $124 per month in Lawrence. Paying too much? Enter your ZIP to compare rates.
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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|
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|
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|
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|
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|
|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|
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|
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.