Lawrence Insurance Rates:

Lawrence, KS home insurance is approximately $879 to $1,196, about $73-$99/month. Our detailed analysis shows customers can save as much as $414 by getting different quotes

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Lawrence Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $130/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

5 Beds, 5 Baths 3570 sqft Primary Residence Constructed In 1947 with Wood Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $810/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

2 Beds, 2 Bath 1550 sqft Vacation Property Constructed In 1990 with Ceramic Tile Flooring, Tile Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $80/1 month for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 930 sqft Seasonal Residence Constructed In 2014 with Stone Flooring, Membrane Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Married Female who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $1310/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1210 sqft Primary Residence Constructed In 2008 with Hardwood Flooring, Composition Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Married Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $900/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

2 Beds, 2 Bath 1500 sqft Primary Residence Constructed In 2010 with Hardwood Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Fireplace, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $250/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Baths 1300 sqft Primary Residence Constructed In 2011 with Carpet Flooring, Tile Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $1660/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $225,000

4 Beds, 4 Bath 1920 sqft Vacation Property Constructed In 2005 with Hardwood Flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Married Male who is a Freelancer with household income of more than $150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $80/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1240 sqft Rental Property Constructed In 2010 with Stone Flooring, Tile Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Swimming Pool, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Lawrence, KS Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
66047 $222,100 $1,110
66049 $217,000 $1,090
66046 $156,500 $1,040
66044 $142,600 $1,030

Lawrence Rates & Quotes Analysis:

Lawrence Area Estimated House Insurance
Oregon St, Tomahawk Dr, E 475th Rd, N Wrigley Ln, Westfield Ct, Drum Ct, W Perimeter Rd, Merion Cir, Brandon Woods Pl, Homestead Dr$1,168
Merion Pl, Bond Pl, E 1587 Rd, Pleasant St, Apple Ln, Hill Ct, Co Rd 458, N 1818 Rd, Walden Ct, E1382$1,057
N 1900 Rd, Constant Rd, W 20th St, April Rain Dr, Dover Ct, Pamela Ln, E 11th St, Co Rd 1e, N 1031 Rd, Congressional Cir$1,136
Winston Ct, E 660th Rd, W 24th St, Adam Ave, E 600 Rd, Shadybrook Dr, E 767th Rd, Co Rd 458, Alvamar Pl, Larkspur Ct$1,091
Venice Dr, Hartford Ave, Hogan Ct, Holiday Dr, Blackjack Oak Ct, N 1884th Rd, N 1474 Rd, Hickok Ct, E 1450 Rd, Brook St$1,158
Home Cir, E 1292nd Rd, N 1183rd Rd, Connecticut St, Sunset Ter, N 550 Rd, N 1964 Rd, N 937 Rd, Sagebrush Dr, Applegate Ct$1,087
Douglas Dr, Stonegate Ct, E 775 Rd, Oklahoma St, Belle Haven Dr, E 175th Rd, N 2000th Rd, E 17th St, N 482 Rd, Mark Blair Ct$1,088
Utah Ct, Wedgewood Dr, River Rd, Lynn St, Palmer Ct, N 1100 Rd, N 1600 Rd, E 13th St, Chadwick Ct, Pinnacle Cir$1,001
Research Park Dr, Lake Pointe Dr, Cedarwood Ave, Rebecca Ln, N 1928th Rd, E 50th Rd, Crestline Dr, Ridge Ct, E 732 Rd, N 1062nd Rd$1,023
Lasalle St, Winona Ave, N 1150 Rd, E 8th St, Bluestem Pl, Keystone Ct, Countryside Ln, Bristol Ter, Eaton Dr, Somerset Ct$998

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,248 Homes (16% of total homes ) built between 1970 to 1979 in Lawrence are paying home insurance between $1,681-$1,696. Places close to Lawrence, KS such as Wakarusa, Kanwaka, Rural are more expensive by $57, $52, $33 respectively while Eudora and Lecompton are cheaper by $18 and $13 respectively for similar homes.
  • Bedrooms: 5,841 4 bedrooms homes (16% of total homes ) in Lawrence are paying about $1,472. Areas near to Lawrence such as Wakarusa, Douglas County, Kanwaka are costlier by $50, $3, $45 respectively whereas Eudora and Lecompton are more economical by $17, $11 respectively for similar homes.
  • Auto Insurance Bundling: 3,896 Households (24% of all households) in Lawrence have 3 or more vehicles available and when it is bundled with home insurance you can save $259 and differs from Wakarusa ($268), Douglas County ($259), Kanwaka ($267).
  • Senior Discounts: 6,458 seniors (more than 55 years) occupied housing units (41% of total) in Lawrence get discounts between $155 to $158. The comparative concessions in proximate regions such as Wakarusa, Douglas County and Rural are $160, $155 and $158 respectively.
  • New Homes discounts: New homes such as the 17,267 homes built between 2000 to 2009 in Lawrence can save $207 and similar new home insurance discounts in nearby towns and cities like Wakarusa, Douglas County and Kanwaka are $214, $207 and $213 respectively.

Lawrence Homeowners insurance Facts

  • Lawrence, KS has 15,683 owner occupied houses which is 45.5% of all units whereas Wakarusa, Douglas County and Kanwaka have 68.7%, 51.44% and 90.83% respectively.
  • Lawrence, KS homeowners yearly insurance price at $1,037 is 0.59% of the typical house value of $176,500 which is in contrast with 0.48% in Wakarusa, 0.58% at Douglas County & 0.49% in Kanwaka.
  • Homeowners in Lawrence, KS pay 1.89% of their income ($50,000 to $59,999) in insurance whereas homeowners in Wakarusa, Douglas County and Kanwaka pay 1.95%, 1.89% and 1.94% respectively.
  • Lawrence, KS’s insurance is 5.9% of monthly housing costs of $1,461/month, for owners with a mortgage compared to 5.44% in Wakarusa, 5.8% at Douglas County & 5.78% in Kanwaka. But, for households without a mortgage, insurance is 16.5% of costs ($524 in Lawrence, KS) in contrast with 19.25% in Wakarusa, 16.91% at Douglas County & 14.44% in Kanwaka.

Lawrence, KS Home Values & Insurance rates

For example, insurance for 915 Homes (6.0% of total homes ) valued between Less than $50,000 in Lawrence, KS is about $145. Rates in nearby areas in such as Wakarusa, Douglas County, Kanwaka are cheaper by $28, $10, $28 respectively while Eudora and Lecompton are costlier by $8 and $9 respectively for similar homes.

Lawrence, KS Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 915 6.0% $145
$70,000 to $79,999 207 1.0% $435
$90,000 to $99,999 286 1.0% $549
$100,000 to $124,999 1,339 9.0% $642
$125,000 to $149,999 2,092 14.0% $798
$150,000 to $174,999 2,606 17.0% $954
$175,000 to $199,999 1,881 12.0% $1099
$200,000 to $249,999 2,320 15.0% $1316
$250,000 to $299,999 1,212 8.0% $1617
$300,000 to $399,999 1,489 10.0% $2053

Renters Insurance in Lawrence

  • Average Renters Insurance in Lawrence :  $118($9/month)

  • Median Gross Rent in Lawrence :  $824

  • Lawrence Renters Insurance to Median Rent Ratio:  1.09%

  • Average household size of renter-occupied unit :  2.11

Lawrence Renters Insurance as a Percentage of Rent

Lawrence Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 270 1.0% $779
$300 to $499 1,409 7.0% $1229
$500 to $749 5,699 31.0% $1904
$750 to $999 4,861 26.0% $2654
$1,000 to $1,499 4,595 25.0% $3779
$1,500 or more 1,264 6.0% $5429

Rent Affordability in Lawrence:

Approximately 51.0% (9,724) of households are spending more than 35% of their income on gross rent in Lawrence

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,541 8.0%
15.0 to 19.9 percent 1,894 10.0%
20.0 to 24.9 percent 2,351 12.0%
25.0 to 29.9 percent 2,117 11.0%
30.0 to 34.9 percent 1,149 6.0%
35.0 percent or more 9,724 51.0%

Lawrence Renters Insurance Discounts:

Lawrence Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Lawrence, KS Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 8,865 47.0% $11.8
2 vehicles available 5,483 29.0% $17.7
3 or more vehicles available 2,847 15.0% $23.6

Protective device discount in Lawrence Up to :  $17

Claims-free discount in Lawrence Up to :  $23