How to Find Cheap Lawrence Auto Insurance Quotes
Lawrence is one of the cheapest places to insure a car in Kansas. For our benchmark 40-year-old driver, full coverage averages about $201 a month, 10% below the state average; only three of the 74 Kansas cities in our sample cost less.
That number describes an experienced driver, though. Lawrence has a large University of Kansas student population, and drivers under 25 typically pay much more than the figures on this page.
Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services.
How Much Does Auto Insurance Cost in Lawrence, KS?
- State Minimum Liability: about $59 a month ($708 a year).
- Full Coverage: about $201 a month ($2,406 a year).
Averages of filed rates compiled by Quadrant Information Services for one benchmark driver (single, 40, good credit, clean record, 2024 Toyota Camry LE) across 4 Lawrence ZIP codes. Student and young-driver prices are higher. Methodology.
Cost data comes from insurers’ filed auto rates across the 4 Lawrence ZIP codes we price, compiled by Quadrant Information Services and updated as new rates are filed.
Which Company has the Cheapest Car Insurance in Lawrence?
- Progressive has the lowest full-coverage average in Lawrence at about $163 a month ($1,952 a year).
- The runners-up are bunched together: Farmers ($173), State Farm ($174) and American Family ($178) are all within 10% of Progressive.
- Allstate is the outlier at $283 a month, $120 more than Progressive. Minimum coverage averages $59 a month across the six insurers.
The table uses Lawrence’s own ZIP codes (66044, 66046, 66047 and 66049) and the 6 insurers in our Kansas data. Travelers and GEICO, at the bottom of the table, can come in lower still.
| Insurance Provider: | State Minimum: | Monthly: | 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 |
| Travelers* | $491 | $41 | $1,767 | $147 |
| GEICO* | $419 | $35 | $1,874 | $156 |
| Shelter* | $788 | $66 | $2,296 | $191 |
How Lawrence Compares in Kansas
Lawrence ranks 71st of 74 Kansas cities in our sample for full-coverage cost. Nearby Eudora ($203 a month) and Baldwin City ($207) are similar, while Topeka averages $208 and Overland Park $211.
Location inside Lawrence barely matters: all four ZIP codes in our data fall between about $198 (66049) and $203 (66046) a month.
Higher liability limits are inexpensive here, about $6 a month more for 100/300/100 than for 50/100/50.
Nearby Kansas city guides: same driver, same coverage, filed rates as of August 31, 2026.
Every Kansas city we price is in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
How Much Car Insurance Do I Need in Kansas?
Though you may need higher coverage, here are the minimum car insurance requirements in Kansas if you are looking for state minimum liability coverage you’ll need:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- Personal injury protection (PIP): $4,500 per person for medical care, $900 a month for up to a year of lost income, $4,500 for rehabilitation, $2,000 for funeral costs and $25 a day for in-home help
- Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident
Minimum coverage is the cheapest way to be legal, about $59 a month in our Lawrence data, but it won’t repair your own car. Full coverage costs about $142 a month more here.
How to Save Money on Your Auto Policy
Whether you’re a long-time resident or a KU family, these are the moves that matter most in Lawrence:
- Get more than one quote: Three insurers were within 10% of the cheapest for full coverage in our data, so small differences in your profile can change the winner.
- Keep students on a parent’s policy when possible: Adding a student to an existing family policy is usually cheaper than a separate policy, especially with a good-student discount.
- Ask about away-at-school discounts: If a student leaves the car at home, some insurers lower the rate.
- Skip Allstate-level prices: In our data the most expensive insurer cost $1,446 a year more than the cheapest for the same policy.
- Keep comprehensive on newer cars: Hail is a common spring risk in northeast Kansas.
Lawrence is one of the four cheapest of 74 Kansas cities in our data: full coverage averages about $201 a month ($2,406 a year) and state minimum $59 for a 40-year-old with a clean record, as of August 31, 2026. That is 10% below the Kansas average. Progressive has the lowest full-coverage average in our Lawrence data at about $163 a month.
Bundling helps too. Most insurers take a percentage off both policies when you insure your car and home together, so check Kansas home insurance rates as well.
How We Calculated Lawrence Car Insurance Rates
InsuranceQuotes analyzes insurers’ filed auto rates compiled by Quadrant Information Services, which models premiums from the rate filings insurers submit to state regulators. This page uses rates in effect on August 31, 2026.
- Sample: 56 quotes (28 full coverage and 28 state minimum) from 7 insurance companies, grouped into 6 brands, in 4 Lawrence ZIP codes.
- Driver: a single 40-year-old man, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE he owns, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the coverage Kansas requires: 25/50/25 liability, PIP and uninsured/underinsured motorist coverage.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the city’s ZIP codes. The city average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business.
- Other insurers: when an insurer’s filed rate for this driver isn’t in our data yet, its average is estimated from 2026 published rate studies and scaled to the same driver and coverage. Those insurers aren’t used for our cheapest-insurer rankings.
- What this isn’t: a quote. These are modeled filed rates for one driver profile. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Kansas coverage requirements come from the Kansas Insurance Department’s auto shopper’s guide. We refresh these figures when new filed-rate data is released.
About $201 a month ($2,406 a year) for full coverage and $59 a month ($708 a year) for state-minimum coverage, for our benchmark 40-year-old driver, based on filed rates as of August 31, 2026. Younger drivers, including many KU students, usually pay more.
Kansas requires 25/50/25 liability ($25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage), personal injury protection with at least $4,500 per person in medical benefits, and uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident. Driving uninsured can lead to fines and suspension of your license and registration.
Yes. Your own PIP coverage pays your medical bills and lost wages after a crash no matter who caused it. You can still sue the at-fault driver for pain and suffering if your medical treatment reaches $2,000 or you have a serious injury, such as a fracture to a weight-bearing bone or a permanent injury.
Progressive, at about $163 a month for full coverage in our data. Farmers ($173), State Farm ($174) and American Family ($178) are all close behind. Travelers and GEICO often price lower still in Kansas. See more cities on our Kansas car insurance rates page.
Usually more than for the 40-year-old driver on this page, because age and driving experience are major rating factors. Staying on a parent’s policy, earning a good-student discount and keeping a clean record are the most reliable ways to keep a student’s premium down.
Lawrence is one of the least expensive cities in Kansas for car insurance in our data, but insurers still differ by up to $1,446 a year for the same policy. Compare several quotes and keep comprehensive if your car is newer.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
