Car Insurance Cost in Lawrence, KS – Average Cost + Cheapest Quotes

• Average car insurance cost in Lawrence is $2,382 per year, or approximately $199 per month.
• Lawrence auto insurance costs $112 per year less than the Kansas state average rate ($2,494) and $106 per year more than the average rate for all 50 states ($2,276).
• For cheap car insurance in Lawrence, small SUVs like the Subaru Crosstrek, Buick Envision, Ford Bronco Sport, and Volkswagen Tiguan have better auto insurance rates.

How much does car insurance cost in Lawrence?

In Lawrence, average auto insurance cost is $2,382 per year, which is 4.6% more than the overall U.S. national average rate of $2,276. Per month, Lawrence drivers can expect to pay an average of $199 for a policy that provides full coverage.

In the state of Kansas, the average car insurance cost is $2,494 per year, so the cost in Lawrence averages $112 less per year. The cost of insurance in Lawrence compared to other Kansas cities is around $28 per year cheaper than in Overland Park, $398 per year cheaper than in Kansas City, and $16 per year less than in Olathe.

The next chart shows average Lawrence auto insurance rates for 2024 model year vehicles not only by driver age, but also by physical damage deductibles.

The average cost of car insurance per month in Lawrence is $199, with prices ranging from $139 to $464 for the driver ages and policy deductibles shown above.

Lawrence car insurance rates are not the same for everyone and depend on a lot of factors. This large rate variability emphasizes the need for multiple auto insurance quotes when trying to find the cheapest auto insurance.

The age of the driver is probably the number one factor that determines the price you pay for auto insurance. The list below details how age impacts cost by showing average car insurance rates in Lawrence for different driver ages.

Car insurance cost in Lawrence, KS, for drivers age 16 to 60

• 16-year-old rated driver – $8,483 per year or $707 per month
• 17-year-old rated driver – $8,217 per year or $685 per month
• 18-year-old rated driver – $7,363 per year or $614 per month
• 19-year-old rated driver – $6,706 per year or $559 per month
• 20-year-old rated driver – $4,790 per year or $399 per month
• 30-year-old rated driver – $2,540 per year or $212 per month
• 40-year-old rated driver – $2,382 per year or $199 per month
• 50-year-old rated driver – $2,110 per year or $176 per month
• 60-year-old rated driver – $1,976 per year or $165 per month

Popular vehicles in Lawrence tend to be small or midsize cars like the Toyota Corolla, Honda Civic, and Kia K5 and compact and midsize SUVs like the Chevy Equinox and Toyota Highlander.

Other popular vehicles from other segments include luxury models like the BMW 530i, Infiniti QX60, and BMW X5 and sports cars like the Nissan GT-R, Audi TT, and Porsche 911.

We get into auto insurance rates for many more models later in this article, but before we delve that deep, let’s go over some of the concepts that were presented so far.

• Lawrence car insurance cost is more than the U.S. average – $2,382 (Lawrence average) compared to $2,276 (U.S. average)
• Low deductibles cost more than high deductibles – A 30-year-old driver pays an average of $648 more per year for a $250 deductible policy versus a $1,000 deductible policy.
• Average car insurance cost per month ranges from $165 to $707 – That is the average car insurance cost range for insured drivers age 16 to 60 in Lawrence, KS.
• Car insurance gets more affordable as you age – Average rates for a 40-year-old driver in Lawrence are $2,408 per year cheaper than for a 20-year-old driver.
• Insurance for teenagers can be expensive – The average cost ranges from $5,671 to $8,483 per year for teen driver car insurance in Lawrence.
• Auto insurance rates decrease considerably in your twenties – The average 30-year-old Lawrence, KS, driver will pay $2,250 less per year than a 20-year-old driver, $2,540 versus $4,790.

What are the cheapest auto insurance rates in Lawrence?

The vehicles with the cheapest average car insurance quotes in Lawrence, KS, tend to be compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Hyundai Venue, and Toyota Corolla Cross.

Average insurance quotes for those vehicles cost $161 or less per month to have full coverage.

Some other models that are in the top 20 in our auto insurance price comparison are the Kia Niro, Buick Encore, Ford Bronco Sport, and Toyota GR Corolla.

Average car insurance rates are slightly higher for those models than the cheapest small SUVs and crossovers that rank near the top, but they still have average rates of $2,068 or less per year ($172 per month).

The following table shows the 30 car, truck, and SUV models with the cheapest auto insurance in Lawrence, ordered by annual cost.

The table above that contains 30 vehicle models with cheap Lawrence car insurance is great if you’re just wanting the lowest rates. Considering we track over 700 makes and models of vehicles, that means only about 4% of vehicles are shown.

Let’s try a different approach and display the cheapest models a better way. The six sections below list the vehicles with the lowest cost insurance rates in Lawrence for each of the main automotive segments.

Cars with affordable insurance rates in Lawrence, KS

The top-ranked vehicle in Lawrence for the lowest-cost average insurance in the car segment is the Toyota GR Corolla, with a cost of $2,068 per year. Second place is the Nissan Leaf costing $2,084 per year, ranking third is the Honda Civic, at an average of $2,108 per year, and the fourth most affordable is the Nissan Sentra, at an average of $2,184 per year.

Other cars that have cheaper rates include the Honda Accord, Chevrolet Malibu, Toyota Prius, and Kia K5, with average annual insurance rates of $2,320 per year or less.

Additional models on the list include the Mazda 3, Volkswagen Jetta, Hyundai Ioniq 6, Mitsubishi Mirage G4, and Toyota Crown, which cost between $2,320 and $2,462 per year for full-coverage insurance in Lawrence.

Full-coverage insurance in this segment for a safe driver starts at around $172 per month, depending on your address in Lawrence.

When prices are compared by vehicle size, the lowest-cost non-luxury compact car to insure in Lawrence is the Toyota GR Corolla at $2,068 per year, or $172 per month. For midsize models, the Kia K5 is cheapest to insure at $2,292 per year, or $191 per month. And for full-size cars, the Chrysler 300 has the most affordable rates at $2,268 per year, or $189 per month.

The next table ranks the twenty cars with the most affordable insurance in Lawrence, starting with the Toyota GR Corolla at $2,068 per year and ending with the Mazda 3 at $2,462 per year.

Some of the more popular models that did not rank in the top 20 include the Nissan Maxima costing an average of $2,670 per year ($223 per month), the Tesla Model 3 costing $2,796 ($233 per month), the Volkswagen Jetta at $2,408 ($201 per month), and the Hyundai Elantra costing $2,588 ($216 per month).

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Don’t see rates for your vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Lawrence car insurance quotes from top auto insurance companies in Kansas.

Which SUVs have the most affordable insurance in Lawrence?

Taking the top spot in Lawrence for cheapest average insurance rates in the SUV segment is the Subaru Crosstrek, at an average of $1,758 per year. Second place is the Chevrolet Trailblazer costing $1,788 per year, the third most affordable is the Kia Soul, costing an average of $1,856 per year, and the fourth most affordable is the Nissan Kicks, costing an average of $1,872 per year.

Some other SUVs that rank well include the Ford Bronco Sport, Buick Envision, Mazda CX-5, and Hyundai Venue, with average annual insurance rates of $1,950 per year or less.

Additional models that made the list include the Honda CR-V, Nissan Murano, Honda HR-V, Volkswagen Tiguan, and Volkswagen Taos, which average between $1,950 and $2,070 per year for insurance.

Full-coverage insurance for the SUV segment for a middle-age safe driver can cost as low as $147 per month, depending on your exact location. The comparison table below ranks the SUVs with the cheapest average auto insurance rates in Lawrence, starting with the Subaru Crosstrek at $147 per month and ending with the Subaru Ascent at $173 per month.

Some of the more popular SUVs that did not make the cut include the Chevrolet Traverse costing $2,222 per year, the Ford Escape at an average of $2,172, the Toyota 4Runner costing an average of $2,552, and the GMC Yukon at an average of $2,562.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Is your SUV missing from the table above? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Lawrence car insurance quotes from top-rated auto insurance companies in Kansas.

Cheap pickups to insure in Lawrence

The Chevrolet Colorado ranks in the top spot for the lowest-cost pickup to insure in Lawrence, followed closely by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model averages $2,098 per year to insure for full coverage.

Not the cheapest pickups to insure, but still very reasonable, are pickups like the Toyota Tacoma, Hyundai Santa Cruz, GMC Sierra 2500 HD, and Honda Ridgeline, with an average cost to insure of $2,450 per year or less.

On a monthly basis, full-coverage car insurance on this segment will start around $175 per month, depending on your Zip Code in Lawrence.

The next table ranks the pickups with the most affordable insurance rates in Lawrence.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Is your pickup truck not in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Lawrence car insurance quotes from top-rated companies in Kansas.

Cheapest luxury car insurance rates in Lawrence

The top five lowest-cost luxury cars to insure in Lawrence are the Acura Integra, BMW 330i, Mercedes-Benz CLA250, Lexus IS 300, and Acura TLX. Insurance rates for these five cars range from $2,118 to $2,462 per year.

Rounding out the top 10 are cars like the Genesis G70, Lexus ES 350, Lexus RC 300, and Mercedes-Benz AMG CLA35, with average rates of $2,502 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the BMW 230i, Lexus RC 350, Lexus ES 250, BMW 228i, and Jaguar XF average between $2,502 and $2,670 to insure per year.

Auto insurance in Lawrence on luxury cars starts at around $177 per month, depending on the company.

When vehicle size is factored in, the lowest-cost compact luxury car to insure in Lawrence is the Acura Integra at $2,118 per year. For midsize luxury cars, the Mercedes-Benz CLA250 has the best rates at $2,450 per year. And for full-size luxury cars, the Audi A5 has the cheapest car insurance rates at $2,832 per year.

The rate comparison table below ranks the twenty cars with the lowest-cost car insurance in Lawrence, starting with the Acura Integra at $177 per month and ending with the Audi S3 at $223 per month.

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Don’t see your luxury car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Lawrence car insurance quotes from top companies in Kansas.

Which luxury SUVs have cheap insurance in Lawrence, KS?

The top five most affordable SUVs to insure in Lawrence are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Insurance rates for these models range from $1,992 to $2,246 per year.

Some other luxury SUVs that have affordable insurance rates are the Lincoln Corsair, Lexus UX 250h, Lexus NX 450h, and Lexus NX 350h, with average annual insurance rates of $2,296 per year or less.

Some additional luxury SUVs worth mentioning include the Lexus RX 350, Mercedes-Benz GLA250, Infiniti QX50, and Acura MDX, which cost between $2,296 and $2,390 to insure per year.

From a cost per month standpoint, full-coverage car insurance on luxury SUVs will start around $166 per month, depending on the company and your Zip Code. The rate comparison table below ranks the twenty luxury SUVs with the cheapest average car insurance rates in Lawrence, starting with the Acura RDX at $1,992 per year and ending with the Lexus RX 350 at $2,390 per year.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Don’t see your luxury SUV in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Kansas.

Sports car models ranked by car insurance cost

The cheapest sports cars to insure in Lawrence are the Mazda MX-5 Miata at $2,202 per year, the Toyota GR86 at $2,508 per year, and the Ford Mustang at $2,616 per year.

Additional models that rank well in our comparison include the Lexus RC F, Nissan Z, Toyota GR Supra, and BMW M2, with average insurance cost of $2,848 per year or less.

Some additional 2024 models on the list include the Chevrolet Camaro, Lexus LC 500, BMW M4, and Porsche 911, which cost between $2,848 and $4,032 per year for insurance in Lawrence.

Car insurance for this segment for a good driver will start around $184 per month, depending on your Lawrence Zip Code.

The rate comparison table below ranks the twenty sports cars with the lowest-cost insurance rates in Lawrence, starting with the Mazda MX-5 Miata at $2,202 per year ($184 per month) and ending with the Porsche Taycan at $4,032 per year ($336 per month).

Need rates for a different vehicle? Not a problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Kansas.

Tips for getting cheaper Lawrence auto insurance quotes

Drivers should always be looking to reduce their monthly car insurance expenses, so take a minute to read through the money-saving ideas in the list below to see if you can save a little cash on your next policy.

• Earn discounts to save money. Savings may be available if the insureds are loyal customers, sign their policy early, are accident-free, take a defensive driving course, or many other discounts which could save the average Lawrence driver as much as $404 per year on car insurance.
• Increasing deductibles makes car insurance cheaper. Raising deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Obey driving laws to keep rates low. If you want the cheapest car insurance in Lawrence, it pays to not be an aggressive driver. As a matter of fact, just one or two blemishes on your motor vehicle report have the consequences of increasing policy rates as much as $632 per year. Serious misdemeanor violations such as failing to stop at the scene of an accident could raise rates by an additional $2,212 or more.
• Earn a discount from your employment. The vast majority of auto insurance providers offer discounts for earning a living in occupations like accountants, scientists, dentists, emergency medical technicians, doctors, nurses, and others. By earning this discount, you may save between $71 and $232 on your annual car insurance bill, subject to policy limits.
• Good credit scores mean better rates. Having a good credit rating over 800 could save an average of $374 per year compared to a credit score ranging from 670-739. Conversely, a weaker credit score below 579 could cost as much as $434 more per year. Not all states use credit score as a rating factor, so check with your agent or company.