Car Insurance in Lawrence, KS

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Getting Around in Lawrence

Lawrence, Kansas, is home to more than 95,000 people and offers attractive downtown and college-town amenities without the costs found in a larger city. It is known for its diverse culture, gorgeous scenery and vibrant nightlife. Some of the most popular attractions in the area include Clinton State Park and the Lawrence Arts Center.

There are several ways to get around Lawrence. The city's local transit authority provides bus routes throughout the area. Additionally, an intercity bus line takes people between nearby cities. Despite the public transportation options, 76.6% of people drive their own cars. People in the city have an average commute time of nearly 20 minutes.

Car Insurance Requirements in Kansas

Purchasing car insurance in Lawrence, KS, is a requirement. Kansas state law mandates that you must have liability, personal injury protection and uninsured/underinsured motorist coverage. Liability coverage must provide at least $25,000/person ($50,000/accident) and $25,000 in property damage protection. Uninsured/underinsured motorist coverage must be $25,000/person ($50,000/accident), too. Personal injury protection is a bit more complicated. It requires:

  • $4,500 per person for medical expenses
  • $25/day for in-home services
  • $4,500 for rehabilitation
  • $900/month (totaling a year) for disability or loss of income
  • $2,000 for funeral, burial or cremation expenses

The Cost of Car Insurance

The average cost of car insurance in Lawrence, KS, is $1,748/year, which is lower than the national average of $2,014/year. Keep in mind that several factors determine how much you pay, including how long you've been driving, the type of car you drive, your driving record and your credit score.

If you live in an area with a high number of break-ins or car thefts, expect to pay more for insurance. In Lawrence, property crime is slightly above the national average. The rate is 56.8 reports per 100,000 people. which is higher than the national number of 35.4 reports per 100,000 people.

Different Types of Auto Insurance

You must have liability car insurance in Lawrence, KS. Bodily injury liability covers medical expenses, funeral costs, rehabilitation and more if you are at fault in an accident. It also pays for legal expenses or lawsuit settlements. Property liability pays for repairing or replacing property damaged in an accident that is your fault. It also covers legal expenses.

Kansas requires personal injury protection, too. This policy pays for your medical expenses, lost wages, in-home assistance, rehabilitation and funeral expenses, regardless of who is at fault. You also need uninsured/underinsured motorist protection, which pays for you or your passengers and covers medical expenses, rehabilitation, funeral costs and lawsuit settlements related to an accident with an underinsured or uninsured driver. It also covers hit-and-runs and will cover you if you're a pedestrian and get hit.

There are two other types of insurance to consider. Car repairs are often costly. A collision policy pays for the repairs if you are in a single-car accident or rollover accident. Finally, a comprehensive policy pays for damages that result from fire, hail, windstorms and other non-accident situations.

Don't let finding car insurance in Lawrence, KS, take up all of your time. Let VIU by HUB do the work for you. Click on the "compare quotes" button, input some information about yourself and your vehicle and get estimates from the insurance providers in your area in about 30 seconds. Choose the right one for you, and an experienced advisor will give you a quick call to finalize your policy.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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