Cheapest Car Insurance Quotes in Lawrence

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Lawrence Car Insurance

^$ 81

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Lawrence

The car insurance rate in Lawrence is $2131 for a six-month policy, which is $973 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1016, making it a popular choice for budget-conscious drivers. Rates in Lawrence can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Lawrence

$2131

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Lawrence

1st place: Kemper

At $1016 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $1345 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1432 for six months, making it the third cheapest auto insurance company in Lawrence.

Lawrence Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lawrence, NY is Kemper, offering policies at just $1016 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1345.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $3268 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lawrence drivers find the best deals.

Cheap Car Insurance Companies in Lawrence, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1016	$173
New York Central Mutual Fire	$1345	$224
Progressive	$1432	$241
American Family	$1573	$265
NYCM	$1903	$320
USAA	$2109	$355
Erie	$2153	$362
Nationwide	$2350	$392
Travelers	$2394	$403
State Farm	$2852	$480
Allstate	$3191	$537
Chubb	$3268	$545

Key Takeaways

Way's key takeaways about car insurance in Lawrence

The auto insurance costs in Lawrence fall around $1016 for six months.
The cheapest auto insurance company in Lawrence is New York Central Mutual Fire.
Teen drivers pay the highest rate in Lawrence at $1643 per month.

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Cheapest Minimum Liability Car Insurance in Lawrence

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Lawrence are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Lawrence. Their Average 6 Month Premium is $480. Preferred Mutual is the most expensive at $1268 for the same period.

Cheapest Liability Coverage in Lawrence, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$480	$81
NYCM	$569	$94
Kemper	$591	$101
American Family	$710	$120
Progressive	$732	$123
USAA	$940	$158
Erie	$1159	$197
Travelers	$1246	$208
Allstate	$1334	$226
State Farm	$1420	$237
Nationwide	$918	$153
Utica National	$1049	$178
Preferred Mutual	$1268	$212

Cheapest Full Coverage Car Insurance in Lawrence

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Lawrence is Kemper at $173 per month and $1016 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lawrence, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1016	$173
New York Central Mutual Fire	$1345	$224
Progressive	$1432	$241
American Family	$1573	$265
NYCM	$1903	$320
USAA	$2109	$355
Erie	$2153	$362
Nationwide	$2350	$392
Travelers	$2394	$403
State Farm	$2852	$480
Allstate	$3191	$537
Chubb	$3268	$545

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Average Car Insurance in Lawrence by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Lawrence, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Lawrence, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Lawrence's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lawrence

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Lawrence,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Lawrence at $118 per month. At $9759 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$688	$118
American Family	$830	$140
NYCM	$1836	$309
Progressive	$2263	$381
New York Central Mutual Fire	$2394	$407
Erie	$4602	$767
USAA	$5060	$852
Travelers	$6655	$1121
Nationwide	$6929	$1178
Chubb	$7257	$1209
Allstate	$8350	$1406
State Farm	$9759	$1643

Teen Car Insurance Rates in NY by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Lawrence, Kemper is the cheapest car insurance provider. At $1542 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Lawrence is Progressive, offering rates of around $9235 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1542	$258
Nationwide	$2350	$399
Chubb	$2788	$469
USAA	$3387	$576
Erie	$3606	$607
American Family	$3662	$622
NYCM	$4100	$683
Allstate	$4469	$753
Mercury	$4558	$760
State Farm	$4710	$793
Travelers	$5454	$918
Progressive	$9235	$1555

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Car Insurance Rates with An Accident in Lawrence

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Lawrence, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lawrence

The cheapest car insurance companies after an at-fault accident in Lawrence include Kemper and American Family, offering $852 and $874, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1060.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$852	$142
American Family	$874	$147
Progressive	$1345	$226
NYCM	$1367	$230
New York Central Mutual Fire	$1617	$270
USAA	$1836	$309
Erie	$2350	$396
Chubb	$2666	$449
Allstate	$2874	$484
Travelers	$2962	$499
Nationwide	$3104	$517
State Farm	$3628	$611
Utica National	$1049	$178
Preferred Mutual	$1060	$177

Lawrence Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lawrence NY. For example, the car insurance in Lawrence after a DUI increases to $1311 for a six month policy. While the rate increases by $207 for a six-month policy in the case of a speeding ticket.

Lawrence auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2306	$385
One Med/PIP claim	$2306	$392
One comp claim	$2328	$388
Two comp claims	$2350	$399
Two Med/PIP claims	$2350	$392
Not-at-fault accident	$2361	$401
Failure to show documents	$2394	$399
Failure to wear a seat belt	$2405	$408
Driving with expired registration	$2427	$405
At-fault accident - less than $1000	$2438	$414
Cell phone violation	$2438	$407
Child safety restraint	$2438	$414
Driving without lights	$2438	$407
Failure to stop at a red light	$2438	$414
Failure to yield	$2438	$407
Following too closely	$2438	$414
Illegal turn	$2438	$407
Improper passing	$2438	$414
Passing school bus	$2438	$407
Texting while driving	$2438	$414
Wrong way/wrong lane	$2438	$407
Driving too slowly	$2460	$418
Speeding in school zone	$2460	$410
At-fault accident - $1000-$2000	$2469	$420
Speeding 11 - 15 MPH over limit	$2513	$420
Speeding 6 - 10 MPH over limit	$2513	$427
Operating a vehicle without permission	$2558	$427
Open container	$2591	$440
In 65 MPH zone	$2699	$451
Speeding 16 - 20 MPH over limit	$2732	$466
Speeding 21 - 25 MPH over limit	$2830	$471
At-fault accident - greater than $2000	$3049	$519
Reckless driving	$3257	$543
Racing	$3387	$576
Driving with a suspended license	$3509	$585
Refusal to submit to a chemical test	$3584	$609
DUI	$3617	$604
Leaving scene of an accident/hit and run	$3673	$624

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Lawrence after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Lawrence.

The cheapest car insurance premiums in Lawrence are offered by American Family at $830 for a six-month policy. However, it can be as expensive as $4100 with companies like Chubb.

Lawrence car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$830	$140
Kemper	$874	$149
Progressive	$1126	$190
NYCM	$1706	$287
New York Central Mutual Fire	$1967	$328
USAA	$2241	$377
Travelers	$2929	$493
Allstate	$3465	$583
Erie	$3573	$596
Nationwide	$3881	$661
State Farm	$4077	$686
Chubb	$4100	$697

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Lawrence are offered by American Family at $732. However, it can be as expensive as $4666 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lawrence after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$732	$121
Kemper	$732	$125
Progressive	$1060	$178
NYCM	$1717	$293
USAA	$1989	$331
Erie	$2328	$396
Nationwide	$2350	$392
Travelers	$2710	$460
State Farm	$3279	$546
Chubb	$3881	$661
Allstate	$4666	$778

Car Insurance Price Trends in Lawrence, New York

Car insurance rates in Lawrence have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lawrence rose by $506 in January compared to $454 of December. In other words, there has been an increase by $52 when you compare January and December.

The average cost of liability insurance in the Lawrence dipped to $147 in January, compared to $156 in December. This represents an decrease of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lawrence?

The car insurance in Lawrence is $81 per month, which is lower than the national average.

What is the cheapest car insurance in Lawrence?

The cheapest car insurance in Lawrence is $173 per month for full coverage.

How much is car insurance in Lawrence for teenagers?

Car insurance for teenagers costs $688 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Lawrence?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $357 per month to insure your car in Lawrence.

Is car insurance expensive in Lawrence?

Car insurance can be expensive in Lawrence if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lawrence can be affordable.

Cheapest Car Insurance Quotes in Lawrence

Why you can trust Way?

How Much Is Car Insurance in Lawrence

Avg. Car Insurance in Lawrence

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Lawrence

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Lawrence Car Insurance Rates by Company

Cheap Car Insurance Companies in Lawrence, NY

Way's key takeaways about car insurance in Lawrence

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lawrence

Cheapest Liability Coverage in Lawrence, NY

Cheapest Full Coverage Car Insurance in Lawrence

Cheapest Full Coverage Car Insurance Quotes in Lawrence, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lawrence by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Lawrence, NY increasing?

Car Insurance Premiums by Age in Lawrence

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lawrence,NY

If you are in your twenties N/A is the best choice for car insurance in Lawrence.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Lawrence

Cheapest Car Insurance Companies after an At-Fault Accident in Lawrence

Lawrence Car Insurance Rates by Violation

Lawrence auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lawrence after a DUI

Lawrence car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lawrence after Speeding ticket

Car Insurance Price Trends in Lawrence, New York

Average Car Insurance Cost in Lawrence by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lawrence, NY

Car Insurance Rates by State in the USA (2025 Update)

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