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Get Cheap Car Insurance in Garden City, KS
We monitor insurance prices, helping the average driver in Garden City save up to 29.5% on car insurance.
The Cheapest Minimum Coverage in Garden City
The chart below shows the cheapest car insurance company in Garden City for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Kemper, Farm Bureau, and Travelers.
| Garden City Insurer | Monthly Cost |
|---|---|
| State Farm | $55 |
| Kemper | $57 |
| Farm Bureau | $59 |
| Travelers | $60 |
Savings for Every Kind of Garden City Driver
Based on our extensive insurance data, we know the average Garden City driver will save about 24% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $392 per year by choosing the right vehicle insurance company. Some Garden City residents are paying out over $1,652 extra every year for auto insurance in Garden City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Garden City, KS Savings / Yr. |
|---|---|
$392 |
|
$624 |
|
$445 |
|
$729 |
|
$1,423 |
|
$363 |
|
$793 |
Garden City Car Insurance vs. Kansas
People living in Garden City pay an average of 5.56% more than the typical driver in the state. The average driver in Garden City can expect to pay about $890 per year, or $1,652 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Garden City for most people.
Car Insurance Prices by Garden City Neighborhood
Insurance Prices
Where is insurance cheapest within Garden City?
The map shows insurance prices in and around Garden City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $306 per year within the city boundaries, with insurance premiums ranging from a high of $1,887 to a low of $1,581. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northeast parts of Garden City.Pick the Best Car Insurance Company for You in Garden City
The best car insurance provider for most drivers in Garden City
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $392 over the average Garden City car insurance company.
The best car insurance provider for Garden City drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $624 over the competition.
The best car insurance company for Garden City drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $445 better than other car insurance companies.
The best auto insurance for Garden City drivers with a DUI conviction
Getting a quote from Dairyland may cost the average person with a DUI about $729 less each year.
The least expensive car insurance company for new and young drivers in Garden City
In Garden City, Geico costs young drivers $1,423 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Garden City
State Farm gave the largest car insurance discounts to married couples, averaging $363 saved each year compared to an average Garden City couple's premiums.
The cheapest car insurance in Garden City for drivers with bad credit
The best Garden City car insurance company for customer service
Nationwide was the best company for customer service in Garden City according to the NAIC.
Recent price drops
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The cheapest large national provider in Garden City
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Garden City driver can expect to pay about $100 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Garden City, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, drivers with a DUI conviction, and married couples.Auto Insurance Prices in and Around Garden City
What Influences the Cost of Car Insurance in Garden City?
On average, car insurance in Garden City is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Kansas state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Garden City are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Garden City is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Garden City is $74 per month for minimum coverage and $138 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Pierceville: Insurance costs 1.45% less
- Holcomb: Insurance costs 3.57% less
- Deerfield: Insurance costs 2.30% less
- Ingalls: Insurance costs 2.85% less
- Lakin: Insurance costs 2.48% less
- Cimarron: Insurance costs 3.93% less
- Kalvesta: Insurance costs 3.51% less
- Kendall: Insurance costs 2.24% less
- Syracuse: Insurance costs 2.48% less
- Jetmore: Insurance costs 1.57% less
Cities with Similar Populations
- Kiryas Joel: Insurance costs 54.12% more
- Saratoga: Insurance costs 23.67% more
- Sand Springs: Insurance costs 5.02% more
- San Carlos: Insurance costs 21.55% more
- Quakertown: Insurance costs 16.53% less
- Pueblo West: Insurance costs 15.56% more
- Liberty: Insurance costs 7.75% more
- Laplace: Insurance costs 106.66% more
- Lady Lake: Insurance costs 43.22% more
- Kuna: Insurance costs 34.08% less