Compare Garden City, KS Car Insurance Rates (2021)

Car insurance in Garden City, KS averages $318 a month. Garden City, Kansas car insurance requirements are 25/50/25, 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, KS.

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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

  • The cheapest car insurance company in Garden City is American Family
  • The cheapest car insurance company in Garden City for teen drivers is American Family
  • Average car insurance rates in Garden City, KS after a DUI are $4,582/year

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

You’ll find Garden City car insurance rates, the cheapest Garden City, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Garden City, Kansas car insurance rates to Olathe car insurance rates, Salina car insurance rates, and Kansas City car insurance rates.

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

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

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

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 $3,611 $3,574 $3,150 $3,257 $9,016 $9,926 $3,822 $4,010
American Family $1,865 $1,865 $1,682 $1,682 $3,532 $4,228 $1,865 $2,087
Farmers $2,697 $2,682 $2,412 $2,515 $7,162 $7,420 $3,030 $3,191
GEICO $3,117 $3,051 $3,138 $2,920 $5,374 $7,167 $3,471 $2,634
Liberty Mutual $2,666 $2,889 $2,495 $2,789 $11,509 $12,876 $2,959 $3,214
Nationwide $1,992 $2,067 $1,762 $1,914 $3,880 $4,792 $2,287 $2,447
Progressive $2,895 $2,811 $2,342 $2,418 $9,738 $11,051 $3,430 $3,663
State Farm $1,916 $1,916 $1,672 $1,672 $5,015 $6,404 $2,151 $2,427
Travelers $2,479 $2,541 $2,339 $2,393 $9,383 $14,793 $2,520 $3,098
USAA $1,573 $1,621 $1,424 $1,461 $4,983 $5,299 $2,065 $2,192

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Minimum Car Insurance in Garden City, KS

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

Minimum Required Car Insurance Coverage in Garden City, Kansas

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

Cheapest Garden City, KS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Garden City, KS. 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, Kansas

Insurance Company Poor Fair Good
Allstate $6,285 $4,721 $4,132
American Family $3,068 $2,176 $1,808
Farmers $4,581 $3,644 $3,440
GEICO $5,995 $3,174 $2,408
Liberty Mutual $5,175 $5,175 $5,175
Nationwide $2,950 $2,575 $2,403
Progressive $5,558 $4,599 $4,223
State Farm $4,218 $2,520 $1,951
Travelers $5,747 $4,634 $4,449
USAA $3,553 $2,300 $1,879

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

Annual Garden City, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,429 $5,130 $5,735 $4,890
American Family $2,314 $2,464 $2,314 $2,314
Farmers $3,285 $4,213 $4,106 $3,950
GEICO $2,397 $3,972 $6,215 $2,851
Liberty Mutual $3,953 $5,836 $5,741 $5,169
Nationwide $1,959 $2,265 $4,088 $2,259
Progressive $4,440 $5,157 $4,616 $4,961
State Farm $2,693 $3,100 $2,897 $2,897
Travelers $3,690 $4,719 $6,399 $4,966
USAA $1,897 $2,529 $3,713 $2,170

Cheapest Garden City, KS Car Insurance for Teen Drivers

Teen car insurance in Garden City, KS 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, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,016 $9,926
American Family $3,532 $4,228
Farmers $7,162 $7,420
GEICO $5,374 $7,167
Liberty Mutual $11,509 $12,876
Nationwide $3,880 $4,792
Progressive $9,738 $11,051
State Farm $5,015 $6,404
Travelers $9,383 $14,793
USAA $4,983 $5,299

Cheapest Garden City, KS Car Insurance for Seniors

Take a look at Garden City, KS 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, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,150 $3,257
American Family $1,682 $1,682
Farmers $2,412 $2,515
GEICO $3,138 $2,920
Liberty Mutual $2,495 $2,789
Nationwide $1,762 $1,914
Progressive $2,342 $2,418
State Farm $1,672 $1,672
Travelers $2,339 $2,393
USAA $1,424 $1,461

Cheapest Garden City, KS Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,735
American Family $2,314
Farmers $4,106
GEICO $6,215
Liberty Mutual $5,741
Nationwide $4,088
Progressive $4,616
State Farm $2,897
Travelers $6,399
USAA $3,713

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Cheapest Garden City, KS Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Garden City, KS 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, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,046 $5,046
American Family $2,320 $2,382
Farmers $3,889 $3,889
GEICO $3,773 $3,945
Liberty Mutual $5,175 $5,175
Nationwide $2,643 $2,643
Progressive $4,793 $4,793
State Farm $2,825 $2,968
Travelers $4,943 $4,943
USAA $2,500 $2,655

The Best Cheap Car Insurance Companies in Garden City, KS

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

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

Insurance Company Average Annual Rates
Allstate $5,046
American Family $2,351
Farmers $3,889
GEICO $3,859
Liberty Mutual $5,175
Nationwide $2,643
Progressive $4,793
State Farm $2,897
Travelers $4,943
USAA $2,577

Category Winners: Cheapest Car Insurance in Garden City, Kansas

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

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

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation USAA

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

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

Insurance Company Low Medium High
Allstate $4,930 $5,037 $5,170
American Family $2,380 $2,470 $2,203
Farmers $3,739 $3,869 $4,057
GEICO $3,772 $3,855 $3,949
Liberty Mutual $5,062 $5,163 $5,299
Nationwide $2,794 $2,612 $2,521
Progressive $4,593 $4,763 $5,025
State Farm $2,798 $2,904 $2,988
Travelers $4,728 $4,950 $5,153
USAA $2,515 $2,573 $2,644

What affects car insurance rates in Garden City, Kansas?

What factors can have an impact on Garden City, KS 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, Kansas.

Car Theft in Garden City

High levels of vehicle theft can make car insurance more expensive. Garden City, KS car theft statistics from the FBI indicate 44 vehicle thefts a year.

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, KS is 13.5 minutes according to City-Data.

Compare Car Insurance Quotes in Garden City, KS

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

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