Lawrence Car Insurance

Are you paying too much for car insurance in Lawrence, KS?

Written by Rene Todd Fields
Written by Rene Todd Fields

Environmental and natural resource advocate and business owner, Rene Todd Fields, has more than 10 years of experience working within both private and public sectors and enjoys helping individuals understand their options and make solid coverage decisions.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.


How much are you paying for car insurance in Lawrence, KS? Lawrence is home to the University of Kansas, and like most college towns, it is filled with young, inexperienced drivers. This may put you having to pay more than your fair share. This happens because younger, inexperienced drivers file more claims. So, are you ready to see if you qualify for lower car insurance premiums?

By consulting an independent insurance agent, you can search for the best car insurance policy to meet your coverage and financial needs. Find an independent insurance agent in Lawrence, KS to learn more.

Why Do Car Insurance Rates Differ?

Car insurance rates can vary from one person to another, because insurance firms have their own method of determining risk and calculating rates. Here are some factors that the price of your car insurance quote may be based on:

  • Your credit score and driving record
  • Your age, gender, occupation, and marital status
  • The make, model, and year of the vehicles being insured
  • The amount of your deductible
  • Information about other licensed drivers using your vehicle
  • The coverage options included in your policy
  • The amount of liability insurance being obtained
  • Whether you own or rent your home

You may qualify for substantial discounts on your car insurance if you bundle your car insurance with renters or homeowners insurance. You may also qualify for other discounts, such as if you have a safe driving record or make good grades in school.

Let an independent insurance agent help you compare rates and find the discounts for which you qualify. They can help you find the car insurance coverage you need at the most economical price.

What Are the Options Available for Car Insurance in Lawrence, KS?

Nearly all car insurance policies are created with a combination of mandatory and voluntary car insurance coverage options. As a resident of Lawrence, KS, your policy must meet or exceed Kansas’s minimum car insurance coverage requirements. Kansas requires drivers to carry liability car insurance and uninsured motorist coverage.

If you are still making payments on your car, your banker will probably require you to carry comprehensive and collision insurance. Likewise, if you are leasing your car, the broker will undoubtedly expect you to carry collision and comprehensive coverage and uninsured motorist insurance.

The minimum liability insurance requirements are as follows:

  • $25,000 for injury/death to one person.
  • $50,000 for injury/death to more than one person.
  • $25,000 for damage to property.

Liability insurance reimburses third parties for personal injury and/or property damage. You should be aware that comprehensive and/or collision insurance does not meet Kansas’s vehicle financial responsibility requirements.

Following are several car insurance coverage options that your local independent insurance agent may offer you:

  • Collision insurance (Partially optional): This option covers repair or replacement of your car if it is damaged in an accident, regardless of fault.
  • Comprehensive insurance (Partially optional): This option covers repair or replacement of your car if it is lost or damaged due to a non-collision event such as flooding, lightning, or car fire.
  • Uninsured motorist insurance (Required): This option covers other non-covered damages and injuries you may undergo if in a collision with an uninsured, underinsured, or hit-and-run driver.
  • Roadside assistance and towing (Optional): This option covers essential options if your car breaks down while out driving, like if all your engine coolant leaks out.
  • Rental reimbursement coverage (Optional): This option covers the cost of renting an alternate car while your car is being repaired following a covered event.

Talk with your independent insurance agent for help in choosing your liability coverage options.


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What Is the Penalty for Driving without Insurance in Lawrence, KS?

Foremost, in the state of Kansas, if you fail to maintain liability car insurance and uninsured motorist coverage, a police officer will cite you. If you get into an accident and are found to be at fault, you will be liable for any expenses for any personal injuries and/or property damage that occurs. When you go to court and they find that adequate insurance was not in effect on the date you were cited, it will be evidence of failure to provide proof of financial security.

Following are the penalties for driving without insurance in Lawrence, KS:

  1. Uninsured operation of a motor vehicle:
    • Guilty of a Class B misdemeanor.
    • A fine of $300-$1,000; or
    • Confinement in the county jail for a term of not more than six months; or
    • A fine and confinement in the county jail
  2. A conviction within three years:
    • Guilty of a Class A misdemeanor.
    • A fine of $800-$2,500.
  3. Other penalties for failure to maintain liability insurance:
    • Suspension of the license of any driver involved in an accident.
    • Revocation of all vehicles owned by the driver involved in the accident.

Independent Insurance Agents Are Right There When You Need Them

When you decide to raise your insurance limits or lower your car insurance premiums, an independent insurance agent can be particularly useful when searching for the best car insurance policy to meet your coverage needs. These car insurance experts can explain your coverage options, answer insurance-related questions, and help you review offers from multiple car insurance firms.

Contact a TrustedChoice independent insurance agent with an office in or near Lawrence, KS to start comparing customized car insurance quotes.

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