Lawrence Auto Insurance Rates, Quotes, Agents & Reviews in KS

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.

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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.

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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 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

Geico
The 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.
Progressive
My 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 Financial
The 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 Farm
I 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
Geico
GEICO 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.
Travelers
I 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.
Progressive
Overall 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 Farm
there 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.
Nationwide
The 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 Insurance
I 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.
Allstate
I 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
Progressive
I changed companies in order to save over four hundred dollars for a six month period.
Liberty Mutual
I 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