Compare Garden City, MO Car Insurance Rates (2021)

Car insurance in Garden City, MO averages $268 a month. Garden City, Missouri 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, MO.

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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, MO after a DUI are $3,765/year
  • The cheapest car insurance company in Garden City is Nationwide
  • Average car insurance rates in Garden City, MO are $3,218/year

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

You’ll find Garden City car insurance rates, the cheapest Garden City, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Garden City, Missouri car insurance rates to Kansas City car insurance rates, St. Charles car insurance rates, and Florissant car insurance rates.

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

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

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

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 $2,788 $2,689 $2,520 $2,598 $7,953 $8,625 $2,649 $2,726
American Family $2,130 $2,130 $1,899 $1,899 $5,879 $7,635 $2,130 $2,485
Farmers $2,452 $2,438 $2,183 $2,318 $10,434 $10,790 $2,808 $2,930
GEICO $1,664 $1,868 $1,301 $1,676 $5,250 $5,542 $1,515 $1,513
Liberty Mutual $2,678 $2,905 $2,205 $2,472 $9,141 $10,151 $2,825 $3,020
Nationwide $1,475 $1,504 $1,323 $1,398 $3,753 $4,797 $1,685 $1,820
Progressive $1,771 $1,638 $1,451 $1,493 $5,855 $6,568 $2,155 $2,200
State Farm $1,626 $1,626 $1,460 $1,460 $4,765 $6,008 $1,831 $2,087
USAA $1,463 $1,450 $1,323 $1,344 $4,358 $5,323 $1,819 $2,023

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Minimum Car Insurance in Garden City, MO

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

Minimum Required Car Insurance Coverage in Garden City, Missouri

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, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Garden City, MO. 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, Missouri

Insurance Company Poor Fair Good
Allstate $5,610 $3,614 $2,981
American Family $4,276 $3,008 $2,535
Farmers $5,179 $4,334 $4,120
GEICO $3,505 $2,287 $1,831
Liberty Mutual $6,359 $3,869 $3,046
Nationwide $2,615 $2,163 $1,880
Progressive $3,346 $2,773 $2,556
State Farm $3,598 $2,326 $1,900
USAA $3,967 $1,859 $1,337

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

Annual Garden City, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,473 $3,933 $4,922 $3,947
American Family $2,440 $3,536 $4,326 $2,791
Farmers $3,901 $4,906 $4,792 $4,579
GEICO $1,963 $2,574 $3,492 $2,135
Liberty Mutual $3,216 $4,610 $4,759 $5,114
Nationwide $1,744 $2,238 $2,987 $1,908
Progressive $2,501 $3,358 $2,775 $2,932
State Farm $2,392 $2,823 $2,608 $2,608
USAA $1,911 $2,325 $3,225 $2,091

Cheapest Garden City, MO Car Insurance for Teen Drivers

Teen car insurance in Garden City, MO 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, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,953 $8,625
American Family $5,879 $7,635
Farmers $10,434 $10,790
GEICO $5,250 $5,542
Liberty Mutual $9,141 $10,151
Nationwide $3,753 $4,797
Progressive $5,855 $6,568
State Farm $4,765 $6,008
USAA $4,358 $5,323

Cheapest Garden City, MO Car Insurance for Seniors

Take a look at Garden City, MO 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, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,520 $2,598
American Family $1,899 $1,899
Farmers $2,183 $2,318
GEICO $1,301 $1,676
Liberty Mutual $2,205 $2,472
Nationwide $1,323 $1,398
Progressive $1,451 $1,493
State Farm $1,460 $1,460
USAA $1,323 $1,344

Cheapest Garden City, MO Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,922
American Family $4,326
Farmers $4,792
GEICO $3,492
Liberty Mutual $4,759
Nationwide $2,987
Progressive $2,775
State Farm $2,608
USAA $3,225

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Cheapest Garden City, MO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Garden City, MO 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, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,069 $4,069
American Family $3,241 $3,305
Farmers $4,544 $4,544
GEICO $2,495 $2,587
Liberty Mutual $4,425 $4,425
Nationwide $2,219 $2,219
Progressive $2,892 $2,892
State Farm $2,543 $2,673
USAA $2,302 $2,474

The Best Cheap Car Insurance Companies in Garden City, MO

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

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

Insurance Company Average Annual Rates
Allstate $4,069
American Family $3,273
Farmers $4,544
GEICO $2,541
Liberty Mutual $4,425
Nationwide $2,219
Progressive $2,892
State Farm $2,608
USAA $2,388

Category Winners: Cheapest Car Insurance in Garden City, Missouri

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

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

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

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

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

Insurance Company Low Medium High
Allstate $3,909 $4,060 $4,237
American Family $3,167 $3,376 $3,277
Farmers $4,249 $4,500 $4,884
GEICO $2,366 $2,561 $2,697
Liberty Mutual $4,181 $4,444 $4,649
Nationwide $2,076 $2,241 $2,340
Progressive $2,585 $2,899 $3,190
State Farm $2,432 $2,619 $2,773
USAA $2,281 $2,380 $2,503

What affects car insurance rates in Garden City, Missouri?

What factors can have an impact on Garden City, MO 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, Missouri.

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, MO is 29.9 minutes according to City-Data.

Compare Car Insurance Quotes in Garden City, MO

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

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