Lawrence, KS Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Lawrence, KS, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
In Lawrence, Kansas, car insurance rates differ by $613 between the cheapest and most expensive companies
An analysis of car insurance premiums in Lawrence, Kansas, shows that consumers can save between $196 and $809 depending on the insurance company they choose. The choice of company therefore changes potential savings by up to $613. This study conducted by Zimlon analyzed data published by the Kansas Insurance Department. The premium rates studied were of six-month durations.
Car insurance premiums are significantly influenced by factors such as the vehicle type, deductible value, coverage limit, and driver background. The vehicle studied for this analysis is a 2013 Toyota Camry four-door sedan. The coverage limit for bodily injury per person and bodily injury per accident are $100,000 and $300,000, respectively. The coverage limit for property damage per accident is $100,000. The comprehensive and collision deductible is $1,000.
This Zimlon survey found that in Lawrence, the difference between the median and cheapest premiums is the greatest for 16-year-old male drivers, at $809. Geico Choice Insurance offers the cheapest premium for this cohort of drivers, at $888. The median premium is offered by Farmers Insurance Company at $1,697. The second highest difference is observed for 16-year-old single female drivers, at $743. Upland Mutual Insurance offers the cheapest premium of $640 for this cohort of drivers. The median premium is offered by Nationwide Insurance Company of America, at $1,383.
For the cohort of 16-year-old male drivers, the most expensive premium is provided by Progressive Direct Insurance Company, at $5,701. Customers belonging to this cohort can therefore save up to $4,004 by choosing the median-priced policy. For their female counterparts as well, the most expensive premium is offered by Progressive Direct Insurance Company at $5,157. The difference between the most expensive insurance rate and the median one for this category of drivers is $3,774.
Among 10 customer groups analyzed, Geico Advantage Insurance Company offers the cheapest premiums for 4 groups, while LM General Insurance Company offers the most expensive premiums for 6 of the 10 cohorts.
The following graph shows a comparison of premiums across companies for Lawrence, Kansas.
The following table compares the car insurance premiums among key companies in Lawrence, Kansas, and provides the names of the companies and the differences between the median and cheapest or most expensive rates.
| Cohort | Cheapest car insurance companies in Lakewood, CO | Second cheapest car insurance companies in Lakewood, CO | Car insurance companies offering median prices in Lakewood, CO | Second most expensive car insurance companies in Lakewood, CO | Most expensive car insurance companies in Lakewood, CO | Difference between the cheapest and median prices | Difference between the most expensive and median prices |
|---|---|---|---|---|---|---|---|
| 16-year-old female drivers | Upland Mutual Insurance, Inc. ($640) | United Services Automobile Association ($899) | Nationwide Insurance Company of America ($1,383) | Progressive Northwestern Insurance Company ($4,536) | Progressive Direct Insurance Company ($5,157) | $743 | $3,774 |
| 16-year-old male drivers | Geico Choice Insurance Company ($888) | United Services Automobile Association ($963) | Farmers Insurance Company Inc ($1,697) | Progressive Northwestern Insurance Company ($5,089) | Progressive Direct Insurance Company ($5,701) | $809 | $4,004 |
| 21-year-old female drivers | Geico Choice Insurance Company ($310) | Geico Advantage Insurance Company ($348) | Shelter Mutual Insurance Company ($750) | LM General Insurance Company ($1,239) | Esurance Property and Casualty Insurance Company ($1,281) | $440 | $531 |
| 21-year-old male drivers | Geico Choice Insurance Company ($312) | Geico Advantage Insurance Company ($316) | Shelter Mutual Insurance Company ($881) | Automobile Club Inter-Insurance Exchange ($1,549) | Esurance Property and Casualty Insurance Company ($1,683) | $569 | $802 |
| 35-year-old female drivers | Geico Advantage Insurance Company ($220) | Geico Choice Insurance Company ($252) | Alliance Indemnity Company ($464) | Standard Fire Insurance Company ($803) | LM General Insurance Company ($926) | $244 | $462 |
| 35-year-old male drivers | Geico Advantage Insurance Company ($221) | Geico Choice Insurance Company ($266) | Alliance Indemnity Company ($464) | Standard Fire Insurance Company ($836) | LM General Insurance Company ($927) | $243 | $463 |
| 55-year-old female drivers | Geico Advantage Insurance Company ($207) | USAA General Indemnity Company ($215) | Allstate Fire and Casualty Insurance Company ($409) | Automobile Club Inter-Insurance Exchange ($720) | LM General Insurance Company ($878) | $202 | $469 |
| 55-year-old male drivers | USAA General Indemnity Company ($213) | Geico Advantage Insurance Company ($223) | Allstate Fire and Casualty Insurance Company ($409) | Esurance Property and Casualty Insurance Company ($731) | LM General Insurance Company ($927) | $196 | $518 |
| 70-year-old female drivers | Geico Advantage Insurance Company ($227) | USAA General Indemnity Company ($236) | Allstate Fire and Casualty Insurance Company ($427) | Esurance Property and Casualty Insurance Company ($742) | LM General Insurance Company ($940) | $200 | $513 |
| 70-year-old male drivers | USAA General Indemnity Company ($235) | Geico Advantage Insurance Company ($243) | Farmers Insurance Company Inc ($462) | Esurance Property and Casualty Insurance Company ($829) | LM General Insurance Company ($923) | $227 | $461 |
Factors that can influence the cost of car insurance in Lawrence, KS are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Lawrence, KS Auto Insurance Rates
- Lawrence, KS Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Lawrence, KS
- Multi Vehicle Insurance Savings in Lawrence, KS
- How Credit Score Affects Car Insurance Rates in Lawrence, KS
- How DUI Affects Auto Insurance Premiums in Lawrence, KS
- Top Auto Insurance Agents Near Lawrence, KS
- How Driving Violations Affect Auto Insurance Rates in Lawrence, KS
- Lawrence, KS Auto Insurance Discounts on Anti Theft Feature
- Lawrence, KS Auto Insurance Company Reviews
Lawrence, KS Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Lawrence, KS with that of other cities in and around Lawrence.
| Lawrence | Rural | Sarcoxie | Clinton | Wakarusa | Eudora | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,203 | $1,572 | $1,553 | $1,657 | $1,605 | $1,523 |
Lawrence, KS Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Lawrence, KS based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Lawrence | $1,033 | $873 |
| Wakarusa | $2,686 | $2,269 |
| Douglas County | $1,341 | $1,133 |
| Kanwaka | $1,431 | $1,208 |
| Rural | $1,359 | $1,148 |
| Clinton | $1,568 | $1,324 |
| Eudora | $2,894 | $2,445 |
| Sarcoxie | $1,308 | $1,105 |
Lawrence, KS Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Lawrence, KS usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,904 |
| 20 Years | $1,546 |
| 30 Years | $1,191 |
| 40 Years | $1,145 |
| 50 Years | $1,061 |
| 60 Years | $1,076 |
| 70 Years | $1,252 |
Lawrence, KS Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Lawrence, KS can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,045 | $361 |
| 3 Vehicles | $3,068 | $541 |
| 4 Vehicles | $4,090 | $722 |
Savings on 2 Vehicles bundle:$361
Savings on 3 Vehicles bundle:$541
Savings on 4 Vehicles bundle:$722
Lawrence, KS Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Lawrence, KS.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Lawrence | $1,203 | $2,005 |
| Wakarusa | $1,605 | $2,675 |
| Douglas County | $1,545 | $2,575 |
| Kanwaka | $1,619 | $2,699 |
| Rural | $1,572 | $2,620 |
| Clinton | $1,657 | $2,762 |
| Eudora | $1,523 | $2,539 |
| Sarcoxie | $1,553 | $2,589 |
Lawrence, KS Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,032 |
| Excellent (740-799) | $1,178 |
| Good (670-739) | $1,254 |
| Average (580-669) | $1,635 |
| Poor (300-579) | $1,962 |
Lawrence, KS Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Miller & Midyett Real Estate | None | 1045 E 23Rd St, Lawrence, 66046 | None |
| Rick Leathers | State Farm | 7111 W 79th St, Overland Park, 66204-2903 | 913-649-2111 |
| Erin Barrett | State Farm | 9367 W 87th St, Overland Park, 66212-3753 | 913-648-1100 |
| The Sloan Agency | Liberty Mutual Independent | 7400 STATE LINE RD STE 202, PRAIRIE VILLAGE, 66208 | 913-322-2800 |
| J Goodman Insurance Agency | Liberty Mutual Independent | 1990 E Santa Fe Ste 203, Olathe, 66062 | None |
| Integrity Midwest Insurance Llc | Travelers | 1540 WAKARUSA DR STE D, LAWRENCE, 66047 | 785-856-5100 |
| Henry Sandate | State Farm | 10281 W 87th St Ste 102, Overland Park, 66212-4679 | 913-438-2299 |
| Haas & Wilkerson Inc | Liberty Mutual Independent | 4300 SHAWNEE MISSION PKY, FAIRWAY, 66205 | 913-432-4400 |
| Haas & Wilkerson Inc | Liberty Mutual Independent | 4300 SHAWNEE MISSION PKY, FAIRWAY, 66205 | 913-432-4400 |
| Haas & Wilkerson Inc | Liberty Mutual Independent | 4300 SHAWNEE MISSION PKY, FAIRWAY, 66205 | 913-432-4400 |
Lawrence, KS Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$53 | $1,256 |
| Driver's Failure In Showing Documents | +$117 | $1,320 |
| Driving With An Expired Registration | +$124 | $1,327 |
| Driving At A Considerably Slow Pace | +$261 | $1,464 |
| Using A Cellphone While Driving | +$275 | $1,478 |
| Running A Red Light | +$280 | $1,483 |
| Speeding | +$295 | $1,498 |
| Driving A Vehicle Without The Required Permission | +$374 | $1,577 |
| Driving With An Expired/Suspended License | +$811 | $2,014 |
Lawrence, KS Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,155 |
| Active Disabling Device | $1,155 |
| Tracking Device | $1,131 |
| Passive Disabling Device | $1,119 |
Latest Auto Insurance Reviews in Lawrence, KS | Back to Top
GeicoThe premium is lower than most and just a few dollars more than one or two other companies, but the service makes the slight difference worth it.
ProgressiveMy experience has been very good. I got rear-ended last year and they helped me deal with the other drivers insurance and made sure my repairs were covered.
Country FinancialThe deductible is $500.00 which is comparable to other companies. I have no issues or complaints with the deductible and feel that it would be the same for any company.
State FarmI feel like I pay to much for car insurance when I've been with the company a long time. However my insurance was raised when I got a new car
GeicoGEICO is generally cheaper even with all the dumb ads they run. I appreciate this greatly as driving is already expensive. Insurance tends to be an expensive ordeal.
TravelersI would recommend this company as a base insurance company for car insurance. This is a great insurance carrier for someone who is new to iunsurance or to someone looking to switch insurance carriers.
ProgressiveOverall I'm fairly happy with the car insurance. The mobile app makes things convenient, plus I have a digital copy of my insurance card on hand at all times.
State Farmthere deductible is not that great therefore, they have limited services compared to other organizations. I am not satisfied with their services neither there premium, simply because it is expensive.
NationwideThe premium is very reasonable compared to other companies I have gotten quotes from. I only have liability but the premium fits my needs. The deductible is also reasonable.
American Family InsuranceI like my insurance premium. i feel like I pay a good amount for my full coverage. Other I know are paying 1-2 hundred dollars for full coverage, so i fell lucky that mine is under $100.
AllstateI like their speed and confidence when it comes to needing them but I do not like much the way to pay since it is with checks and I prefer to pay with cash
ProgressiveI changed companies in order to save over four hundred dollars for a six month period.
Liberty MutualI do think from time to time they should contact me to see if my needs have changed, I think a yearly review of my policy should be something they should do, Other than that I don't have issues