For a 40-year-old driver with a clean record, car insurance in Lawrence, KS, averages about $201 a month ($2,406 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 9% below the Kansas average of $222 a month. Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Lawrence table, at about $139 a month, effectively tied with GEICO at $143.
Lawrence, home of the University of Kansas, is the least expensive of the eight Kansas cities with three or more ZIP codes in our data: full coverage averages about $201 a month for our benchmark driver, about $21 a month less than the Kansas average.
For a car insurance quote comparison in Lawrence, KS, the insurer matters more than the ZIP code. Our data covers four ZIP codes with a Lawrence mailing address, priced within about $5 a month of each other, while the four lowest-priced major insurers we compared here average about $163 to $178 a month.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Lawrence ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Auto insurance in Lawrence, KS, costs about $201 a month ($2,406 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $708 a year ($59 a month), and 50/100/50 liability with comprehensive and collision averages $2,337 ($195 a month).
The statewide Kansas rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the nine, all five published in 2026, put it first, apart from USAA, which sells only to military families. Two of the others put GEICO first, one State Farm and one Nationwide. For liability-only coverage at 25/50/10 limits, averages among these six insurers run from about $31 to $92 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Lawrence
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $374 | $31 | $1,952 | $163 |
| Farmers | $784 | $65 | $2,079 | $173 |
| State Farm | $569 | $47 | $2,090 | $174 |
| American Family | $826 | $69 | $2,135 | $178 |
| Farm Bureau Financial Services | $588 | $49 | $2,781 | $232 |
| Allstate | $1,109 | $92 | $3,398 | $283 |
| USAA (military families)* | $428 | $36 | $1,235 | $103 |
| Travelers* | $645 | $54 | $1,664 | $139 |
| GEICO* | $511 | $43 | $1,715 | $143 |
| Shelter Insurance* | $987 | $82 | $2,221 | $185 |
| Lawrence average | $708 | $59 | $2,406 | $201 |
This table uses Lawrence ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the four Lawrence ZIP codes we price, full coverage for our driver ranges from about $198 a month in 66049 to $203 in 66046, a gap of $64 a year. 66049, on the west side, is the least expensive Lawrence ZIP code in our data, and 66046, south of downtown, the most expensive.
Lowest-priced Lawrence ZIP code
Highest-priced Lawrence ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Lawrence’s average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 66044 | $701 | $58 | $2,413 | $201 | About average |
| 66046 | $730 | $61 | $2,436 | $203 | +1% |
| 66047 | $703 | $59 | $2,402 | $200 | About average |
| 66049 | $700 | $58 | $2,372 | $198 | -1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $69 a year on average in our Lawrence data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for full coverage, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Lawrence ZIP codes, their full-coverage average fell from $2,434 a year nine months earlier to $2,207 in rates as of Aug. 31, 2026, a 9.3% drop. American Family cut its Lawrence average 33.1% and State Farm 8.3%, while Farmers raised its average 5.6%; Farm Bureau Financial Services’ and Progressive’s averages were unchanged. Allstate is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Lawrence average above. Liability-only coverage at 25/50/10 limits rose 1.3%, led by Farmers, which raised its liability-only average 20.1%.
Douglas County averages about $202 a month for full coverage, the second-least expensive of the 41 Kansas counties we price, after Pottawatomie County. Eudora, about eight miles east, averages $203, and Baldwin City, about 14 miles south, $207.
American Family cut its Lawrence full-coverage average 33.1% over the past nine months, the biggest cut by any insurer in the 19 Kansas cities we publish guides for.
More Kansas cities and towns are in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
Topeka, about 25 miles west, averages $208 a month, and Gardner, about 20 miles southeast, $199. Olathe, about 23 miles east, averages $203, and Kansas City, Kansas, about 35 miles east, $256.
Drivers in Lawrence follow Kansas’ rules. Every Kansas policy must include at least:
Our guide to Kansas car insurance requirements covers the no-fault rules, proof of insurance and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Kansas law and the Kansas Department of Insurance. We refresh these figures when new rate data is released.
Auto insurance in Lawrence, KS, costs about $201 a month ($2,406 a year) for full coverage and $59 a month for liability only at 25/50/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 9% below the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Lawrence table, at about $139 a month, effectively tied with GEICO at $143. USAA, which sells only to military families, is lower still, at about $103 a month. Among the six major insurers we compared, Progressive has the lowest full-coverage average, at about $163 a month, with Farmers close behind at $173. For liability-only coverage at 25/50/10 limits, averages among the six major insurers we compared run from about $31 to $92 a month. Five of the nine statewide Kansas rate studies we reviewed, all five published in 2026, rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Lawrence, for our benchmark driver. Lawrence full coverage averages about $201 a month and Topeka about $208, a difference of about $7 a month for the same driver and car.
In our data, 66049 has the lowest full-coverage average in Lawrence, at about $198 a month, and 66046 the highest, at about $203. The ZIP code table on this page lists all four.
In our Lawrence data, full coverage (100/300/100 with $500 deductibles) averages about $201 a month and liability-only coverage at 25/50/10 limits about $59, a difference of about $142 a month ($1,698 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Kansas law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past nine months), their Lawrence full-coverage average fell 9.3%, from about $2,434 to $2,207 a year. That’s lower than the Lawrence average of $2,406 because it leaves out Allstate. American Family cut its Lawrence average 33.1% and State Farm 8.3%, while Farmers raised its average 5.6%. Liability-only coverage at 25/50/10 limits rose 1.3%.
For our benchmark driver, full coverage in Lawrence averages about $201 a month. Nearby, Gardner averages about $199, Olathe about $203 and Topeka about $208. Gardner is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
