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66045 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 66045? There are over 48 occupied homes in the 66045 area. With a population size of 1,601, it's not uncommon for residence of Lawrence, KS to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Kansas is around $1,080 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 66045 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Lawrence, KS Home Insurance Rate Quotes

66045 Home Insurance Average Premiums

Local 66045 homeowners insurance quotes comparison

$830 /yr.

Shows Zip Code: 66045 lowest rates with discounts applied on average.

For the 66045, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$830 /yr.
Average Coverage:$1080 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1380 /yr.

What is the average home insurance cost for a home in 66045?

  • • The average homeowners insurance premium paid annually for a home in 66045 is around $1080 per year.

What does it cost on average per month for home insurance in 66045?

  • • Homeowners in 66045 pay a monthly average cost per month around $90.00.

What kind of discount could I get if I combine my home and auto insurance together in 66045?

  • • Autoowners in 66045 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Lawrence, check out other zip codes nearby 66045.
To review average rates in another zip code, click on a zip code below:
66046  |  66047  |  66044  |  66045  |  66049  | 

Home Replacement Cost Coverage in 66045

Average Building Cost Per Square Foot in 66045: $126

Location: Lawrence, Kansas (Douglas County)

Average Square Footage in 66045: 1,310 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 66045 before you start any project. Lawrence homeowners pay on average around $126 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 66045 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 66045 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,310 sq. ft. and the average cost to rebuild the home in this area is around $126 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Lawrence area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1261,310$165,000
Additional Upgrades & Added Features$1581,310$206,250
Major Home Updates or Advancements$1891,310$247,500

It's important to understand that when you estimate your replacement cost of your home in the 66045 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 66045

Best Home & Auto Insurance Agencies in 66045

Housing Demographics for 66045

Population Review for 66045 Zip Code

For the city of Lawrence, the population within 66045 has increased to over 0 residents in population size. The current population total is 1,601. We have broken down the population based on race below. In 66045, there are over 774 in male population and 827 females.

PopulationValues
Total Population1,601
White Population1111
Black Population178
Hispanic Population97
Asian Population143
Hawaiian Population4
Indian Population18
Other Population31
Male Population774
Female Population827
Population Estimate0

Household Data for 66045

The average number of homes in 66045 is around 48, there are an average of 2.25 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode48
Persons Per Household2.25
Average House Value$165,000
Income Per Household$0
Median Age19.5
Median Age Male19.6
Median Age Female19.5
66045 DetailsValues
StateKS
State Full NameKansas
City TypeP
City Alias Abbreviation
Area Code785
CityLawrence
City Alias NameLAWRENCE
CountyDouglas
County FIPS045
State FIPS20
Time Zone6
Day Light SavingY
MSA4150
PMSA
CSA312
CBSA29940
CBSA_DIV
CBSA_TypeMetro
CBSA_NameLawrence, KS
MSA_NameLawrence, KS MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses25
Number Of Employees973
Business First Quarter Payroll3578
Business Annual Payroll17145
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population110826
CBSA Division Population0
Congressional District01
Congressional LandArea52542.5
Delivery Residential0
Delivery Business70
Delivery Total2155
Preferred Last Line KeyW20853
Classification CodeU
Multi-County
CSA NameKansas City-Overland Park-Kansas City, MO-KS
CBSA_DIV_Name
City State KeyW20853
Land Area1.116000
Water Area0.005000
City Alias CodeU
City Mixed CaseLawrence
City Alias Mixed CaseLawrence
Box Count0
SFDU0
MFDU0
State ANSI20
County ANSI045
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number195016
Unique ZIP Name
SSA State County Code17220
Medicare CBSA Code29940
Medicare CBSA NameLawrence, KS
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseDouglas

Kansas Homeowners Insurance News & Information

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]