Compare Garnett, KS Car Insurance Rates (2021)

Car insurance in Garnett, KS averages $281 a month. Garnett, Kansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Garnett car insurance rates, compare quotes from the top car insurance companies in Garnett, KS.

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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

  • Average car insurance rates in Garnett, KS are $3,371/year
  • The cheapest car insurance company in Garnett is American Family
  • The cheapest car insurance company in Garnett for teen drivers is American Family

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

You’ll find Garnett car insurance rates, the cheapest Garnett, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Garnett, Kansas car insurance rates to Overland Park car insurance rates, Shawnee car insurance rates, and Kansas City car insurance rates.

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

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

How do age, gender, and marital status affect Garnett, KS car insurance rates? Every Garnett, 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 Garnett, 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 $2,921 $2,846 $2,594 $2,670 $7,834 $8,726 $3,015 $3,133
American Family $1,681 $1,681 $1,517 $1,517 $3,222 $3,858 $1,681 $1,885
Farmers $2,551 $2,534 $2,279 $2,379 $6,909 $7,155 $2,881 $3,039
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,400 $2,594 $2,276 $2,539 $10,892 $12,164 $2,635 $2,855
Nationwide $1,807 $1,864 $1,609 $1,734 $3,759 $4,613 $2,108 $2,246
Progressive $2,356 $2,248 $1,895 $1,979 $8,582 $9,684 $2,779 $2,979
State Farm $1,761 $1,761 $1,533 $1,533 $4,552 $5,820 $1,976 $2,225
Travelers $2,007 $2,042 $1,961 $1,983 $8,147 $12,720 $2,056 $2,423
USAA $1,437 $1,469 $1,313 $1,333 $4,807 $5,062 $1,895 $1,989

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Minimum Car Insurance in Garnett, KS

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

Minimum Required Car Insurance Coverage in Garnett, 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 Garnett, KS Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Garnett, Kansas

Insurance Company Poor Fair Good
Allstate $5,236 $3,963 $3,453
American Family $2,781 $1,970 $1,640
Farmers $4,379 $3,483 $3,285
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,794 $4,794 $4,794
Nationwide $2,736 $2,416 $2,251
Progressive $4,668 $3,912 $3,608
State Farm $3,851 $2,302 $1,783
Travelers $4,813 $3,922 $3,767
USAA $3,299 $2,163 $1,778

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

Annual Garnett, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,650 $4,252 $4,882 $4,085
American Family $2,093 $2,243 $2,093 $2,093
Farmers $3,131 $4,027 $3,925 $3,780
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,624 $5,432 $5,337 $4,785
Nationwide $1,857 $2,134 $3,756 $2,123
Progressive $3,758 $4,382 $3,921 $4,190
State Farm $2,463 $2,827 $2,645 $2,645
Travelers $3,033 $3,962 $5,466 $4,210
USAA $1,765 $2,373 $3,494 $2,020

Cheapest Garnett, KS Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Garnett, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,834 $8,726
American Family $3,222 $3,858
Farmers $6,909 $7,155
GEICO $4,439 $5,960
Liberty Mutual $10,892 $12,164
Nationwide $3,759 $4,613
Progressive $8,582 $9,684
State Farm $4,552 $5,820
Travelers $8,147 $12,720
USAA $4,807 $5,062

Cheapest Garnett, KS Car Insurance for Seniors

Take a look at Garnett, 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 Garnett, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,594 $2,670
American Family $1,517 $1,517
Farmers $2,279 $2,379
GEICO $2,443 $2,273
Liberty Mutual $2,276 $2,539
Nationwide $1,609 $1,734
Progressive $1,895 $1,979
State Farm $1,533 $1,533
Travelers $1,961 $1,983
USAA $1,313 $1,333

Cheapest Garnett, KS Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Garnett, Kansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,882
American Family $2,093
Farmers $3,925
GEICO $4,922
Liberty Mutual $5,337
Nationwide $3,756
Progressive $3,921
State Farm $2,645
Travelers $5,466
USAA $3,494

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Cheapest Garnett, KS Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Garnett, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,217 $4,217
American Family $2,103 $2,158
Farmers $3,716 $3,716
GEICO $3,027 $3,159
Liberty Mutual $4,794 $4,794
Nationwide $2,468 $2,468
Progressive $4,063 $4,063
State Farm $2,580 $2,711
Travelers $4,168 $4,168
USAA $2,341 $2,485

The Best Cheap Car Insurance Companies in Garnett, KS

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

Average Annual Car Insurance Rates by Company in Garnett, Kansas

Insurance Company Average Annual Rates
Allstate $4,217
American Family $2,130
Farmers $3,716
GEICO $3,093
Liberty Mutual $4,794
Nationwide $2,468
Progressive $4,063
State Farm $2,645
Travelers $4,168
USAA $2,413

Category Winners: Cheapest Car Insurance in Garnett, Kansas

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

Best Annual Car Insurance Rates by Company in Garnett, 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 Garnett, KS Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Garnett, Kansas

Insurance Company Low Medium High
Allstate $4,092 $4,208 $4,352
American Family $2,154 $2,238 $1,999
Farmers $3,568 $3,695 $3,884
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,689 $4,784 $4,910
Nationwide $2,596 $2,440 $2,367
Progressive $3,849 $4,032 $4,307
State Farm $2,555 $2,652 $2,728
Travelers $3,953 $4,174 $4,376
USAA $2,328 $2,406 $2,504

What affects car insurance rates in Garnett, Kansas?

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

Car Theft in Garnett

High levels of vehicle theft can make car insurance more expensive. Garnett, KS car theft statistics from the FBI indicate 8 vehicle thefts a year.

Commute Time in Garnett

The more time you spend in your car the higher the risk of an accident. The average commute length in Garnett, KS is 24.9 minutes according to City-Data.

Compare Car Insurance Quotes in Garnett, KS

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

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