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Compare 66046 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Lawrence just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 8,382 neighbors looking to save on their home insurance policy in the local 66046 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 66046. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Kansas rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Lawrence, KS home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Lawrence, KS

66046 Home Insurance Average Premiums

Local 66046 homeowners insurance quotes comparison

$891 /yr.

Shows Zip Code: 66046 lowest rates with discounts applied on average.

For the 66046, 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)
$891 /yr.
Average Coverage:$1141 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1441 /yr.

What is the average home insurance cost for a home in 66046?

  • • The average homeowners insurance premium paid annually for a home in 66046 is around $1141 per year.

What does it cost on average per month for home insurance in 66046?

  • • Homeowners in 66046 pay a monthly average cost per month around $95.00.

What kind of discount could I get if I combine my home and auto insurance together in 66046?

  • • Autoowners in 66046 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 66046.
To review average rates in another zip code, click on a zip code below:
66049  |  66044  |  66046  |  66047  |  66045  | 

Home Replacement Cost Coverage in 66046

Average Building Cost Per Square Foot in 66046: $126

Location: Lawrence, Kansas (Douglas County)

Average Square Footage in 66046: 1,383 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 66046 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 66046 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 66046 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,383 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$1261,383$174,300
Additional Upgrades & Added Features$1581,383$217,875
Major Home Updates or Advancements$1891,383$261,450

It's important to understand that when you estimate your replacement cost of your home in the 66046 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 66046

Farmers Insurance Group of Companies

Address: 2420 Iowa Street Suite E Lawrence, KS 66046
Phone: (785)843-7511
Website: www.farmers.com

Pollard Thomas J Insurance Agency

Address: 2420 Iowa Street Suite E Lawrence, KS 66046
Phone: (785)843-7511
Website:

Best Home & Auto Insurance Agencies in 66046

American Family Insurance - DJ Flummerfelt

Address: 2601 Iowa St Lawrence, KS 66046
Phone:
Website: http://www.insurance-agency.amfam.com/KS/dj-flummerfelt/default.aspx?sourceid=yp3
Info:

Pollard Thomas J Insurance Agency

Address: 2420 Iowa St Lawrence, KS 66046
Phone:
Website:
Info:

Douglas County Insurance

Address: 2706 Iowa St Lawrence, KS 66046
Phone:
Website:
Info:

Mike Grosdidier Ins Agcy Inc

Address: 2400 Iowa St Lawrence, KS 66046
Phone:
Website:
Info:

Asset Conservation Services- Inc.

Address: 2449 Iowa St Lawrence, KS 66046
Phone:
Website:
Info:

Housing Demographics for 66046

Population Review for 66046 Zip Code

For the city of Lawrence, the population within 66046 has increased to over 21,336 residents in population size. The current population total is 19,903. We have broken down the population based on race below. In 66046, there are over 10053 in male population and 9850 females.

PopulationValues
Total Population19,903
White Population13867
Black Population1197
Hispanic Population1890
Asian Population808
Hawaiian Population10
Indian Population1328
Other Population696
Male Population10053
Female Population9850
Population Estimate21336

Household Data for 66046

The average number of homes in 66046 is around 8,382, there are an average of 2.28 per household. The average house value according to local real estate values is around $174,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,382
Persons Per Household2.28
Average House Value$174,300
Income Per Household$52868
Median Age31.3
Median Age Male30.6
Median Age Female32.2
66046 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 Businesses505
Number Of Employees8933
Business First Quarter Payroll78504
Business Annual Payroll358668
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|02
Congressional LandArea52542.5|14143.34
Delivery Residential9358
Delivery Business619
Delivery Total10338
Preferred Last Line KeyW20853
Classification Code
Multi-County
CSA NameKansas City-Overland Park-Kansas City, MO-KS
CBSA_DIV_Name
City State KeyW20853
Land Area40.840000
Water Area0.940000
City Alias Code
City Mixed CaseLawrence
City Alias Mixed CaseLawrence
Box Count269
SFDU4288
MFDU1281
State ANSI20
County ANSI045
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
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 […]