Compare Garden City, IA Car Insurance Rates (2021)

Car insurance in Garden City, IA averages $233 a month. Garden City, Iowa car insurance requirements are 20/40/15, 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, IA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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

  • The cheapest car insurance company in Garden City is USAA
  • Average car insurance rates in Garden City, IA are $2,793/year
  • Average car insurance rates in Garden City, IA after a DUI are $3,361/year

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

You’ll find Garden City car insurance rates, the cheapest Garden City, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Garden City, Iowa car insurance rates to Cedar Rapids car insurance rates, Council Bluffs car insurance rates, and West Des Moines car insurance rates.

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

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

How do age, gender, and marital status affect Garden City, IA car insurance rates? Every Garden City, Iowa 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, Iowa

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 $1,762 $1,691 $1,568 $1,596 $5,068 $5,708 $1,914 $1,970
American Family $1,911 $1,911 $1,710 $1,710 $5,098 $7,150 $1,911 $2,302
Farmers $1,504 $1,532 $1,345 $1,469 $4,586 $4,883 $2,039 $2,191
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $2,132 $2,316 $1,871 $2,271 $10,237 $11,519 $2,417 $2,669
Nationwide $1,713 $1,755 $1,529 $1,628 $3,992 $5,149 $1,945 $2,112
Progressive $1,515 $1,456 $1,251 $1,296 $3,756 $4,237 $1,822 $1,972
State Farm $1,431 $1,431 $1,254 $1,254 $3,825 $4,856 $1,608 $1,828
Travelers $2,047 $2,090 $1,983 $1,992 $9,011 $14,402 $2,127 $2,513
USAA $1,180 $1,195 $1,081 $1,106 $3,136 $3,336 $1,416 $1,564

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Minimum Car Insurance in Garden City, IA

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

Minimum Required Car Insurance Coverage in Garden City, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Garden City, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Garden City, IA. 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, Iowa

Insurance Company Poor Fair Good
Allstate $3,176 $2,527 $2,276
American Family $3,778 $2,776 $2,334
Farmers $2,799 $2,327 $2,204
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,323 $3,897 $3,067
Nationwide $3,005 $2,361 $2,068
Progressive $2,552 $2,065 $1,872
State Farm $3,113 $1,926 $1,519
Travelers $5,084 $4,341 $4,137
USAA $2,305 $1,581 $1,369

Cheapest Garden City, IA 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, IA to rates for a clean record with top companies.

Annual Garden City, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,262 $2,735 $3,113 $2,529
American Family $2,139 $3,135 $4,064 $2,514
Farmers $2,082 $2,586 $2,621 $2,486
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,827 $4,729 $4,828 $4,331
Nationwide $1,799 $2,576 $3,504 $2,032
Progressive $1,739 $2,852 $1,886 $2,175
State Farm $2,027 $2,345 $2,186 $2,186
Travelers $3,306 $4,394 $5,872 $4,510
USAA $1,341 $1,794 $2,333 $1,538

Cheapest Garden City, IA Car Insurance for Teen Drivers

Teen car insurance in Garden City, IA 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, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,068 $5,708
American Family $5,098 $7,150
Farmers $4,586 $4,883
GEICO $4,328 $4,022
Liberty Mutual $10,237 $11,519
Nationwide $3,992 $5,149
Progressive $3,756 $4,237
State Farm $3,825 $4,856
Travelers $9,011 $14,402
USAA $3,136 $3,336

Cheapest Garden City, IA Car Insurance for Seniors

Take a look at Garden City, IA 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, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,568 $1,596
American Family $1,710 $1,710
Farmers $1,345 $1,469
GEICO $1,710 $1,564
Liberty Mutual $1,871 $2,271
Nationwide $1,529 $1,628
Progressive $1,251 $1,296
State Farm $1,254 $1,254
Travelers $1,983 $1,992
USAA $1,081 $1,106

Cheapest Garden City, IA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,113
American Family $4,064
Farmers $2,621
GEICO $3,206
Liberty Mutual $4,828
Nationwide $3,504
Progressive $1,886
State Farm $2,186
Travelers $5,872
USAA $2,333

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Cheapest Garden City, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Garden City, IA 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, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,597 $2,722
American Family $2,928 $2,997
Farmers $2,444 $2,444
GEICO $2,294 $2,387
Liberty Mutual $4,429 $4,429
Nationwide $2,478 $2,478
Progressive $2,163 $2,163
State Farm $2,133 $2,239
Travelers $4,520 $4,520
USAA $1,688 $1,815

The Best Cheap Car Insurance Companies in Garden City, IA

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

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

Insurance Company Average Annual Rates
Allstate $2,660
American Family $2,963
Farmers $2,444
GEICO $2,341
Liberty Mutual $4,429
Nationwide $2,478
Progressive $2,163
State Farm $2,186
Travelers $4,521
USAA $1,752

Category Winners: Cheapest Car Insurance in Garden City, Iowa

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

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

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Cheapest Garden City, IA 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, IA car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $2,566 $2,663 $2,750
American Family $2,976 $3,128 $2,785
Farmers $2,347 $2,451 $2,533
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,259 $4,421 $4,607
Nationwide $2,573 $2,470 $2,390
Progressive $2,041 $2,171 $2,277
State Farm $2,083 $2,198 $2,277
Travelers $4,242 $4,589 $4,730
USAA $1,662 $1,757 $1,836

What affects car insurance rates in Garden City, Iowa?

What factors can have an impact on Garden City, IA 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, Iowa.

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, IA is 18.0 minutes according to City-Data.

Compare Car Insurance Quotes in Garden City, IA

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

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