Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Lawrence

Our Recommended Top 16

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lawrence Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

68Reviewed

47Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

917 Iowa Street, Lawrence, KS 66044
WebsiteLicense: Verified

Expertise.com Rating

Review Sources

Google
4.5 (17)

Why choose this provider?

Free State Insurance is a full-service insurance company that serves the Lawrence metro area and surrounding communities. The firm assists individuals, families, and businesses in insuring their private cars, classic vehicle collections, and recreational vehicles with an auto insurance policy. Its independent insurance agents represent various carriers that can provide different coverage options, including collision, comprehensive, liability, medical payments, personal injury protection, and uninsured motorist. They also help policyholders with vehicle registrations and SR-22 filings. The company aims to provide its clients with a positive and personalized experience.

  • Multiple Carriers
  • RV & Motorhome
  • Boats

2047 Southwest Topeka Boulevard, Topeka, KS 66612
WebsiteLicense: verified

Expertise.com Rating

Review Sources

Google
5.0 (20)

Why choose this provider?

Established in 2011, Integrity Insurance Agency is a full-service insurance company that assists the people of Lawrence with their personal and commercial insurance needs. Representing multiple insurance companies, its professional agents can present vehicle owners with various auto insurance coverage options to choose from, weighing their specific requirements and individual risks. Available auto insurance plans typically include collision, comprehensive, bodily injury, personal injury protection, property damage, and uninsured or underinsured motorist coverage.

  • Multiple Carriers

278 Fairlane Drive, Louisburg, KS 66053
WebsiteLicense: verified

Expertise.com Rating

Review Sources

Facebook
5.0 (17)

Why choose this provider?

Servicing its clients in Lawrence and the nearby areas, Elliott Group is an independent insurance agency providing car insurance plans to its clients. The agency creates customized insurance plans that are tailored to their client's needs. Its car insurance policies cover liability insurance, comprehensive insurance, and collision insurance. Additionally, Elliot Group also offers services for other personal insurance needs such as life and homeowners' insurance, and it can provide commercial insurance as well.

  • Motorcyle & ATV

2220 Southeast 29th Street, Topeka, KS 66605
WebsiteLicense: Verified

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Review Sources

Google
4.0 (4)

Why choose this provider?

Becker Lassen Insurance Agency, Inc., is a car insurance company that caters to Lawrence-based clients. The company provides policies that cover vehicle damage through its collision and comprehensive coverages. It also offers insurance for motor homes and motorcycles. Because it is an independent agency that is not restrained to a single insurance company, its agents can find the best packages for each client's unique needs. Some of the companies they represent include America First Insurance and Dairyland Insurance Co.

  • Multiple Carriers

604 High Street, Baldwin City, KS 66006
WebsiteLicense: 8812538

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Baldwin Insurance Services is a company that caters to the car insurance needs of individuals and businesses in Lawrence and nearby areas. The firm assists car owners, family drivers, and commercial operators in securing financial protection. Its independent insurance agents shop for a variety of coverage options from multiple providers, including property, liability, and medical coverage. They also assist customers in determining their needs and establishing premiums and deductibles based on their capacity. The locally owned agency values building long-term relationships with its clients.

  • Multiple Carriers

307 Montana Avenue, Ste C, Lawrence, KS 66436
WebsiteLicense: 9614978

Expertise.com Rating

Review Sources

Facebook
5.0 (14)

Why choose this provider?

Jager Insurance Agency, LLC, is a full-service insurance company that provides personal and commercial insurance—including auto insurance—in the Lawrence metro area. It guides individuals and businesses in obtaining adequate protection for their cars, loved ones, and employees through an auto insurance policy. Its independent agents work with multiple carriers to create customized policies based on the client's requirements. They offer insurance options for private cars, trucks, and classic cars. They also handle insurance policies for motorcycles, ATVs, and RVs. Past clients have praised the agents for being knowledgeable and dedicated.

  • Bundling Option
  • Motorcyle & ATV
  • Boats

3109 West 6th Street, Lawrence, KS 66049
WebsiteLicense: verified

Expertise.com Rating

Review Sources

Google
5.0 (43)
Facebook
5.0 (16)

Why choose this provider?

Edie Insurance Group is an independent agency that offers auto coverage plans for clients in Lawrence. Its policies include collision insurance and comprehensive insurance, the latter securing damage costs incurred from natural disasters, theft, fires, and vandalism. It also offers liability protection against injuries or property damages sustained by persons other than the policyholder. Edie Insurance Group also provides insurance options for trucks and recreational vehicles such as boats and motorcycles. It partners with carriers such as Progressive, Travelers, and SafeCo.

  • Multiple Carriers

305 East 7th Street, Lawrence, KS 66044
WebsiteLicense: Verified

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Review Sources

Facebook
5.0 (14)
Google
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Gardner Insurance is an independent insurance agency in Lawrence founded in 2011 by Isaac J. Gardner. The agency was founded with the belief that clients will be able to save more on premiums if brokered by an independent agency. It has extensive experience writing auto insurance policies for clients that provide coverage for collisions, personal injury liabilities, physical and property damages (comprehensive coverage), as well as medical payments. Gardner maintains a respected and reputable establishment that strives to provide for clients in times of need.

  • Bundling Option

1615 Southwest 37th Street, Topeka, KS 66611
WebsiteLicense: 16860144

Expertise.com Rating

Why choose this provider?

As a State Farm insurance agent, Jamie Hornbaker provides clients in Lawrence and other surrounding areas with insurance products that include auto, property, home, business, life, and health coverage. She also offers other products like annuities and mutual funds. State Farm's auto insurance provides multiple coverage options including protection from accidents or reimbursement of rental cars in case of damages. It also has comprehensive insurance which covers stolen cars or damages from fire, flood, or wind.

  • Bundling Option

2900 Southwest Atwood Avenue, Topeka, KS 66614
WebsiteLicense: 6118396

Expertise.com Rating

Why choose this provider?

Roquet Insurance Agency serves the people of Lawrence. It can help clients avail a wide range of personal insurance plans, including auto insurance. The company’s professional agents are trained to advocate for clients and properly assess their risks, so the customers are given an objective analysis of their options in the market. Roquet Insurance Agency’s auto insurance plans have liability and comprehensive coverage types, which can come to the financial aid of the vehicle owner in the event of an emergency.

  • Motorcyle & ATV

1225 East 23rd Street, Lawrence, KS 66049
WebsiteLicense: 19448828

Expertise.com Rating

Review Sources

Google
4.3 (13)
Yelp
5.0 (1)

Why choose this provider?

Lawrence Insurance Company assists clients in the Lawrence metro with auto insurance matters. Its team of advisors creates policies that may include personal injury protection, which helps pay for lost income and medical bills in the event that the policyholder gets injured in an auto accident. Optional coverage add-ons such as roadside assistance coverage may also be included. The professionals have access to policies from multiple carriers, including Hagerty and Allstate. Lawrence Insurance Company strives to educate clients about insurance products so they can make informed decisions about financial protection.

  • Boats
  • Motorcyle & ATV

430 Walnut Street, Leavenworth, KS 66048
WebsiteLicense: 6104866

Expertise.com Rating

Review Sources

Google
5.0 (7)
Facebook
5.0 (4)

Why choose this provider?

The Chapman Insurance Agency helps motorists residing in Lawrence and the surrounding neighborhoods secure auto insurance policies that will protect them in the event of an emergency. The company's professional and experienced agents source quotes from multiple carriers to present the client with options to choose from, based on their needs and priorities. Car insurance plans usually include liability, collision, comprehensive, and medical payments coverage. The Chapman Insurance Agency can also help clients acquire home insurance.

  • Bundling Option

550 Eisenhower Road, Leavenworth, KS 66048
WebsiteLicense: Verified

Expertise.com Rating

Review Sources

Facebook
5.0 (510)

Why choose this provider?

Armed Forces Insurance was formed in 1887 by military leaders with the aim of catering to the insurance needs of military personnel and other uniformed officers in Lawrence. It writes auto insurance policies provided by Armed Forces Insurance Exchange and the Armed Forces Insurance Agency together with their affiliate partners. With over a century in the industry, its core value of protecting the people who protect the people remains the same.

  • Multiple Carriers
  • Motorcyle & ATV

3801 West 6th Street, Lawrence, KS 66049

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
4.7 (3)

Why choose this provider?

Kansas Insurance has an office in Lawrence that addresses the insurance needs of individuals, families, and businesses within the metro. This locally owned insurance agency provides coverages for a variety of car-related financial losses. Auto insurance policyholders can also receive reimbursements for car rentals, towing, and roadside assistance. The firm's professionals are experienced in writing both commercial and personal insurance policies that are tailored to clients' needs. Kansas Insurance also offers 24-hour customer service.

  • Multiple Carriers

608 Delaware Street, Leavenworth, KS 66048
WebsiteLicense: verified

Expertise.com Rating

Review Sources

Google
4.7 (16)
Facebook
5.0 (4)

Why choose this provider?

The Reilly Company, LLC, of Leavenworth works with over 15 insurance carriers to address the insurance needs of Lawrence residents. Established in 1925, the company offers truck and car insurance to help protect vehicle owners from potential losses. Its insurance specialists carry insurance plans for motorcycles, classic cars, recreational vehicles, and off-road vehicles. The Reilly Company, LLC, also provides surety bond and risk management services, offering professional advice for fleet safety, subcontractor agreements, and HR processes.

  • Multiple Carriers

2711 West 6th Street, Lawrence, KS 66049
WebsiteLicense: 6113030

Expertise.com Rating

Review Sources

Google
4.7 (18)
Facebook
5.0 (2)

Why choose this provider?

Founded in 1978, Stephens Chapin Insurance has been catering to the car insurance needs of clients located in Lawrence. It follows the principle of integrity and teamwork to provide high-quality services and adapt to industry trends. The privately held agency offers bundled coverages for increased asset protection and represents the Great American Insurance Companies and Humana. Its president, Chris Chapin, CIC, has over 25 years of experience in the insurance industry. Additionally, Stephens Chapin Insurance supports the Just Food Annual Holiday Food Drive initiative.

  • Bundling Option

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Is uninsured/underinsured motorist coverage required in Lawrence?

    Yes. In Lawrence, the law requires all auto insurance policies to include uninsured/underinsured motorist coverage. This coverage is designed to protect you in situations where the at-fault driver in an accident does not have enough insurance to cover your expenses. The minimum coverage limits mandated by law are $25,000 per person and $50,000 per accident.

  • Can you sue the at-fault driver for damages in Lawrence even if you have personal injury protection (PIP) coverage?

    Yes, you can sue the at-fault driver for damages in Lawrence. However, you must meet two legal prerequisites if you want to pursue compensation directly from the responsible driver. Firstly, your PIP coverage must be fully utilized, and secondly, your injuries must meet the state's criteria for being considered "serious."

  • Do you need to notify your insurance company if you modify your car in Lawrence?

    Yes. If you modify your car in Lawrence, it is important to notify your insurance company because these modifications can impact the value and repair costs of your vehicle. Customizations like performance upgrades or cosmetic changes often involve expensive parts, which is why insurers need to be aware of these changes to accurately assess your coverage needs and premiums. Failing to inform your insurer about modifications could result in coverage gaps in the event of a claim.

  • What is the minimum liability insurance requirement in Lawrence?

    The minimum liability insurance requirement in Lawrence dictates that drivers must have at least $25,000 in bodily injury liability coverage per individual, with a total bodily injury liability coverage of no less than $50,000 per accident, along with a minimum of $25,000 in property damage liability coverage. These insurance requirements are in place to ensure that drivers have adequate financial protection in the event of an accident.

  • Will your auto insurance cover another driver if you lend them your car in Lawrence?

    Yes. Your auto insurance policy is tied to the vehicle, not the specific individuals driving it in Lawrence. If you have car insurance and grant someone permission to drive your vehicle, your insurance could extend coverage for property damage and personal injuries resulting from an accident. However, if your insurance limits are insufficient to cover the full extent of the damages, the driver's insurance company may need to cover the remaining costs.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.