Lawrence, IN
Auto and home insurance in Lawrence, Indiana
Commute, vehicle, and housing data for Lawrence, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Census data show Lawrence drivers commuting alone at a rate of 72% and homeowners making up 66% of households. Here is what that means for auto and home coverage in a city of about 49,817.
Cars, commutes, and households in Lawrence
| Measure | Lawrence | Indiana |
|---|---|---|
| Drive alone to work | 72% | 76% |
| Carpool | 11% | 9% |
| Work from home | 15% | 11% |
| Commute of 45 minutes or more | 9% | 13% |
| Commute under 15 minutes | 23% | 30% |
| Households with no vehicle | 7% | 6% |
| Households with 3 or more vehicles | 20% | 24% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Lawrence commutes are shorter than the Indiana norm, with 9% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Remote work is common here: 15% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
20% of Lawrence households keep three or more vehicles, and 7% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Owning a home in Lawrence
Census figures put Lawrence's median home value at $230,100 (Indiana: $218,200) and its median year built at 1992. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
For context, the NAIC's 2023 average HO-3 premium in Indiana was $1,089 for homes insured in the $225,000–$249,999 range, and $1,259 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Lawrence drivers
Drivers in Lawrence must carry Indiana's minimum of 25/50/25 in liability coverage (none beyond liability). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
One insurer or two for a Lawrence household
With 66% of households owning their home, bundling is an option for most Lawrence families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Local risks for Lawrence cars and homes
Around Lawrence, two exposures stand out: winter ice and hail. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
County hazard detail: FEMA National Risk Index.
How Lawrence compares in Indiana
In Indianapolis, 56% own their home and 16% of households have three or more vehicles. In Fort Wayne, 62% own their home and 18% of households have three or more vehicles. Evansville: 79% drive alone, 6% commute 45+ minutes, median home $143,100. Lawrence ranks 14th for long commutes among the 25 Indiana cities we profile.
Lawrence quote checklist
- Target limits and deductibles
- Lender name and loan number
- Drivers' names and dates of birth
- Home details: size, age, construction
- Recent claims or violations
- Current declarations pages for auto and home
Questions from Lawrence drivers and homeowners
What auto insurance is required in Lawrence?
Indiana requires liability of 25/50/25; none beyond liability.
Do Lawrence drivers have long commutes?
About 9% of Lawrence workers commute 45 minutes or more and 23% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Lawrence?
Prices depend on the home and coverage. The NAIC's 2023 Indiana HO-3 average was $1,259; see the Indiana page.
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Last updated October 15, 2026 · How we research