Compare Garden City, CO Car Insurance Rates (2021)

Car insurance in Garden City, CO averages $299 a month. Garden City, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Garden City car insurance rates, compare quotes from the top car insurance companies in Garden City, CO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Garden City, CO after a DUI are $4,257/year
  • Average car insurance rates in Garden City, CO are $3,588/year
  • The cheapest car insurance company in Garden City is Liberty Mutual

If you need to buy Garden City, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Garden City, CO is right here.

You’ll find Garden City car insurance rates, the cheapest Garden City, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Garden City, Colorado car insurance rates to Denver car insurance rates, Lakewood car insurance rates, and Boulder car insurance rates.

Ready to find affordable Garden City, CO car insurance today? Enter your ZIP code for fast, free Garden City car insurance quotes.

Cheapest Garden City, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Garden City, CO car insurance rates? Every Garden City, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Garden City, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,196 $2,998 $2,875 $2,905 $10,935 $11,479 $3,534 $3,555
American Family $2,407 $2,407 $2,173 $2,173 $5,806 $7,794 $2,407 $2,942
Farmers $2,860 $2,828 $2,586 $2,790 $11,105 $11,194 $3,166 $3,206
GEICO $1,714 $1,885 $1,840 $2,106 $5,455 $5,763 $1,566 $1,585
Liberty Mutual $1,606 $1,556 $1,381 $1,518 $4,837 $5,256 $1,615 $1,611
Nationwide $2,263 $2,300 $2,028 $2,139 $5,724 $7,310 $2,605 $2,810
Progressive $2,362 $2,208 $2,071 $2,062 $8,125 $9,072 $2,657 $2,581
State Farm $1,982 $1,982 $1,795 $1,795 $5,926 $7,474 $2,228 $2,653
USAA $1,967 $1,958 $1,883 $1,880 $4,952 $5,658 $2,519 $2,728

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Minimum Car Insurance in Garden City, CO

Every driver must carry the minimum car insurance in Garden City, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car Insurance Coverage in Garden City, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Garden City, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Garden City, CO. Compare credit history car insurance rates in Garden City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Garden City, Colorado

Insurance Company Poor Fair Good
Allstate $6,612 $5,094 $3,848
American Family $4,555 $3,253 $2,733
Farmers $5,755 $4,691 $4,455
GEICO $3,290 $2,739 $2,188
Liberty Mutual $3,447 $2,125 $1,694
Nationwide $4,099 $3,254 $2,838
Progressive $4,423 $3,781 $3,473
State Farm $4,489 $2,880 $2,319
USAA $4,339 $2,489 $2,000

Cheapest Garden City, CO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Garden City, CO to rates for a clean record with top companies.

Annual Garden City, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,434 $5,093 $6,199 $5,011
American Family $2,601 $3,694 $4,813 $2,947
Farmers $4,182 $5,394 $5,325 $4,966
GEICO $1,922 $3,007 $3,534 $2,495
Liberty Mutual $2,127 $2,489 $2,572 $2,502
Nationwide $2,618 $3,570 $4,523 $2,879
Progressive $3,368 $4,728 $3,553 $3,921
State Farm $2,955 $3,503 $3,229 $3,229
USAA $2,153 $2,627 $4,570 $2,423

Cheapest Garden City, CO Car Insurance for Teen Drivers

Teen car insurance in Garden City, CO can be expensive. Take a look at rates from the top car insurance companies in Garden City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Garden City, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,935 $11,479
American Family $5,806 $7,794
Farmers $11,105 $11,194
GEICO $5,455 $5,763
Liberty Mutual $4,837 $5,256
Nationwide $5,724 $7,310
Progressive $8,125 $9,072
State Farm $5,926 $7,474
USAA $4,952 $5,658

Cheapest Garden City, CO Car Insurance for Seniors

Take a look at Garden City, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Garden City, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,875 $2,905
American Family $2,173 $2,173
Farmers $2,586 $2,790
GEICO $1,840 $2,106
Liberty Mutual $1,381 $1,518
Nationwide $2,028 $2,139
Progressive $2,071 $2,062
State Farm $1,795 $1,795
USAA $1,883 $1,880

Cheapest Garden City, CO Car Insurance Rates After a DUI

A DUI in Garden City, CO increases car insurance rates. Compare Garden City, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Garden City, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,199
American Family $4,813
Farmers $5,325
GEICO $3,534
Liberty Mutual $2,572
Nationwide $4,523
Progressive $3,553
State Farm $3,229
USAA $4,570

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Cheapest Garden City, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Garden City, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Garden City, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,185 $5,185
American Family $3,438 $3,589
Farmers $4,967 $4,967
GEICO $2,684 $2,794
Liberty Mutual $2,422 $2,422
Nationwide $3,397 $3,397
Progressive $3,892 $3,892
State Farm $3,149 $3,309
USAA $2,861 $3,026

The Best Cheap Car Insurance Companies in Garden City, CO

Take a look at a side-by-side comparison of the top car insurance companies in Garden City, CO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Garden City, Colorado

Insurance Company Average Annual Rates
Allstate $5,185
American Family $3,514
Farmers $4,967
GEICO $2,739
Liberty Mutual $2,422
Nationwide $3,397
Progressive $3,892
State Farm $3,229
USAA $2,943

Category Winners: Cheapest Car Insurance in Garden City, Colorado

Find the cheapest car insurance companies in Garden City, CO for each category right here.

Best Annual Car Insurance Rates by Company in Garden City, Colorado

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Garden City, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Garden City car insurance rates. Find the cheapest Garden City, CO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Garden City, Colorado

Insurance Company Low Medium High
Allstate $4,887 $5,166 $5,501
American Family $3,322 $3,587 $3,632
Farmers $4,376 $4,899 $5,626
GEICO $2,441 $2,685 $3,092
Liberty Mutual $2,268 $2,412 $2,587
Nationwide $3,381 $3,402 $3,409
Progressive $3,574 $3,905 $4,198
State Farm $3,007 $3,233 $3,448
USAA $2,802 $2,943 $3,085

What affects car insurance rates in Garden City, Colorado?

What factors can have an impact on Garden City, CO car insurance? There are several reasons why Garden City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Garden City, Colorado.

Commute Time in Garden City

The more time you spend in your car the higher the risk of an accident. The average commute length in Garden City, CO is 20.4 minutes according to City-Data.

Compare Car Insurance Quotes in Garden City, CO

Ready to find affordable Garden City, Colorado car insurance today? Enter your ZIP code for fast, free Garden City, CO car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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