Best Garden City, MI Car Insurance in 2025
Car insurance in Garden City, MI averages $1,127 a month. Garden City, Michigan car insurance requirements are 20/40/10, 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, MI.
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Table of Contents
Table of Contents
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Kristen Gryglik
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Michael Leotta
Updated December 2025
- The cheapest car insurance company in Garden City is USAA
- Average car insurance rates in Garden City, MI are $13,518/year
- The cheapest car insurance company in Garden City for teen drivers is USAA
If you need to buy Garden City, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Garden City, MI is right here.
You’ll find Garden City car insurance rates, the cheapest Garden City, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Garden City, Michigan car insurance rates to Flint car insurance rates, Sterling Heights car insurance rates, and Grand Rapids car insurance rates.
Ready to find affordable Garden City, MI car insurance today? Enter your ZIP code for fast, free Garden City car insurance quotes.
Cheapest Garden City, MI Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Garden City, MI car insurance rates? Every Garden City, Michigan car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $20,686 | $20,686 | $19,344 | $19,344 | $49,432 | $49,432 | $21,754 | $21,754 |
| Farmers | $14,414 | $14,414 | $13,306 | $13,306 | $33,238 | $33,238 | $16,369 | $16,369 |
| Geico | $5,646 | $5,646 | $5,765 | $5,765 | $15,276 | $15,276 | $5,375 | $5,375 |
| Liberty Mutual | $16,855 | $16,855 | $16,691 | $16,691 | $39,228 | $39,228 | $16,855 | $16,855 |
| Nationwide | $5,280 | $5,280 | $4,681 | $4,681 | $14,226 | $14,226 | $5,807 | $5,807 |
| Progressive | $3,904 | $3,550 | $3,435 | $3,924 | $14,124 | $14,759 | $4,522 | $4,012 |
| State Farm | $8,951 | $8,951 | $8,376 | $8,376 | $32,172 | $32,172 | $10,523 | $10,523 |
| Travelers | $7,464 | $7,464 | $6,400 | $6,400 | $22,645 | $22,645 | $8,116 | $8,116 |
| USAA | $2,874 | $2,713 | $2,704 | $2,549 | $7,011 | $6,632 | $3,501 | $3,345 |
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Minimum Car Insurance in Garden City, MI
Every driver must carry the minimum car insurance required by the state in Garden City, MI. Take a look at the Michigan car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Garden City, MI Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Garden City, MI. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Garden City from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $42,538 | $23,384 | $17,490 |
| Farmers | $28,509 | $15,290 | $14,196 |
| Geico | $10,329 | $7,572 | $6,146 |
| Liberty Mutual | $35,457 | $20,470 | $11,295 |
| Nationwide | $9,424 | $7,075 | $5,996 |
| Progressive | $7,599 | $6,341 | $5,646 |
| State Farm | $24,370 | $12,306 | $8,341 |
| Travelers | $11,437 | $11,087 | $10,945 |
| USAA | $5,872 | $3,343 | $2,534 |
Cheapest Garden City, MI Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Garden City, MI to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $13,401 | $18,020 | $60,950 | $18,845 |
| Farmers | $16,058 | $20,851 | $20,463 | $19,953 |
| Geico | $2,791 | $5,949 | $18,133 | $5,188 |
| Liberty Mutual | $15,329 | $18,772 | $35,675 | $19,852 |
| Nationwide | $6,397 | $8,589 | $7,789 | $7,219 |
| Progressive | $5,471 | $7,311 | $6,556 | $6,778 |
| State Farm | $9,388 | $11,342 | $25,019 | $14,273 |
| Travelers | $7,561 | $10,789 | $17,326 | $8,948 |
| USAA | $3,145 | $3,931 | $5,160 | $3,429 |
Cheapest Garden City, MI Car Insurance for Teen Drivers
Teen car insurance in Garden City, MI can be expensive. Take a look at rates from the top car insurance companies in Garden City for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $49,432 | $49,432 |
| Farmers | $33,238 | $33,238 |
| Geico | $15,276 | $15,276 |
| Liberty Mutual | $39,228 | $39,228 |
| Nationwide | $14,226 | $14,226 |
| Progressive | $14,124 | $14,759 |
| State Farm | $32,172 | $32,172 |
| Travelers | $22,645 | $22,645 |
| USAA | $7,011 | $6,632 |
Cheapest Garden City, MI Car Insurance for Seniors
Take a look at Garden City, MI rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $19,344 | $19,344 |
| Farmers | $13,306 | $13,306 |
| Geico | $5,765 | $5,765 |
| Liberty Mutual | $16,691 | $16,691 |
| Nationwide | $4,681 | $4,681 |
| Progressive | $3,435 | $3,924 |
| State Farm | $8,376 | $8,376 |
| Travelers | $6,400 | $6,400 |
| USAA | $2,704 | $2,549 |
Cheapest Garden City, MI Car Insurance Rates After a DUI
A DUI in Garden City, MI increases car insurance rates. Compare Garden City, Michigan car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $60,950 |
| Farmers | $20,463 |
| Geico | $18,133 |
| Liberty Mutual | $35,675 |
| Nationwide | $7,789 |
| Progressive | $6,556 |
| State Farm | $25,019 |
| Travelers | $17,326 |
| USAA | $5,160 |
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Cheapest Garden City, MI Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Garden City, MI by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $27,804 | $27,804 |
| Farmers | $19,331 | $19,331 |
| Geico | $7,832 | $8,199 |
| Liberty Mutual | $21,647 | $23,168 |
| Nationwide | $7,499 | $7,499 |
| Progressive | $6,529 | $6,529 |
| State Farm | $14,584 | $15,427 |
| Travelers | $11,092 | $11,221 |
| USAA | $3,871 | $3,962 |
The Best Cheap Car Insurance Companies in Garden City, MI
Take a look at a side-by-side comparison of the top car insurance companies in Garden City, MI to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $27,804 |
| Farmers | $19,331 |
| Geico | $8,015 |
| Liberty Mutual | $22,407 |
| Nationwide | $7,499 |
| Progressive | $6,529 |
| State Farm | $15,005 |
| Travelers | $11,156 |
| USAA | $3,916 |
Category Winners: Cheapest Car Insurance in Garden City, Michigan
Find the cheapest car insurance companies in Garden City, MI for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
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Cheapest Garden City, MI Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Garden City car insurance rates. Find the cheapest Garden City, MI car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $27,065 | $27,871 | $28,476 |
| Farmers | $18,715 | $19,274 | $20,005 |
| Geico | $7,491 | $7,939 | $8,616 |
| Liberty Mutual | $21,853 | $22,353 | $23,016 |
| Nationwide | $7,821 | $7,379 | $7,296 |
| Progressive | $6,316 | $6,534 | $6,736 |
| State Farm | $14,147 | $15,111 | $15,758 |
| Travelers | $11,055 | $11,166 | $11,247 |
| USAA | $3,787 | $3,927 | $4,034 |
What affects car insurance rates in Garden City, Michigan?
What are the factors that affect car insurance rates in Garden City, MI? 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, Michigan.
Car Theft in Garden City
High levels of vehicle theft can make car insurance more expensive. Garden City, MI car theft statistics from the FBI indicate 22 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, MI is 25.0 minutes according to City-Data.
Compare Car Insurance Quotes in Garden City, MI
Ready to find affordable Garden City, Michigan car insurance today? Enter your ZIP code for fast, free Garden City, MI car insurance quotes.
Frequently Asked Questions
How much does car insurance in Garden City, MI cost on average?
Car insurance in Garden City, MI averages $1,127 per month.
Are there discounts available for senior drivers in Garden City, MI?
Yes, senior drivers may be eligible for discounts on car insurance in Garden City, MI. It’s advisable to compare rates from different companies to find the best options.
How can I find cheap car insurance in Garden City, MI?
To find cheap car insurance in Garden City, MI, compare quotes from top insurance companies in the area.
Does my credit score affect car insurance rates in Garden City, MI?
Yes, your credit score can impact your car insurance rates in Garden City, MI. Good credit may lead to lower premiums, while poor credit could result in higher rates.
How does my driving record affect car insurance rates in Garden City, MI?
Your driving record plays a significant role in determining car insurance rates. A clean record generally leads to lower premiums, while a bad record can result in higher costs.
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