Cheapest Auto Insurance in Garden City, Kansas (2024)
Root offers the cheapest car insurance in Garden City, with minimum-coverage policies as low as $74 per month.
Excellent
)
Written byEmily Guy Birken
)
Plutus Award winner
12+ years writing about insurance and personal finance
Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.
Featured in
){kind=small}
){kind=small}
){kind=small}
)
Edited byCourtney Mikulski
)
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
){kind=small}
){kind=small}
Updated November 21, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Residents of Garden City, Kansas, have many auto insurers to choose from for the cheapest coverage, although the cost can depend on things like driving history, age, and credit score.[1] Drivers who compare quotes from multiple insurers may also find cheap rates.
Garden City drivers pay an overall average of $142 per month for car insurance, which is similar to the state average of $125 per month. Garden City’s relatively small population compared to other Kansas cities’ populations may contribute to its cheap average rates.
Quick Facts
The average cost of car insurance in Garden City is $82 per month for liability coverage and $202 per month for full coverage.
Kansas law requires all drivers to carry personal injury protection coverage and uninsured and underinsured motorist coverage in addition to liability coverage.[2]
Root is the cheapest company for full coverage in Garden City, with rates as low as $125 per month.
3 of the cheapest car insurance companies in Garden City
The cost of auto insurance in Garden City can vary greatly from one insurer to the next and one driver to the next.
“The amount you’ll pay for car insurance is impacted by a number of very different factors,” explains Loretta Worters, vice president of media relations for the Insurance Information Institute. “Factors [range] from the type of coverage you have to your driving record to where you park your car.”
The cheapest car insurance company for a Garden City driver depends a great deal on your situation. Whether you’re a driver who only needs liability insurance, a senior driver, or a driver with some traffic violations on your record, the best price for your needs may come from a different insurance company.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Midvale Home & Auto | 8.0 | $102 | $59 | Liability-only coverage |
| Dairyland | 7.0 | $197 | $74 | High-risk drivers |
| Liberty Mutual | 7.7 | $216 | $97 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Midvale Home & Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 3.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $85/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $188/mo |
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Based out of Madison, Wisconsin, Midvale Home & Auto is a subsidiary of American Family Insurance and offers plenty of discounts for you to lower your premiums.
Pros
Plenty of available discounts
Can get a quote and start a claim online
Cons
Several complaints on the Better Business Bureau (BBB) website
Drivers with a traffic violation can expect much higher costs
Best insurer for high-risk drivers: Dairyland
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $84/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $225/mo |
3.6
A solid optionBased on 246 verified guest reviews and ratings
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Reviews (133)
Oliver
November 5, 2024
Verified Review
Review Option
The insurance premium is too high without much coverage.
Stephen
November 5, 2024
Verified Review
Excellent
I paid them every month and they insured my car every month. It's not rocket science.
Pamela
November 4, 2024
Verified Review
Cheaper Coverage
I have recommended Dairyland to many people as they are the best I've had. However, my financial situation has changed and it's become difficult to make ends meet. So, I'm exploring options to reduce some of my bills.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.61A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Dairyland began as a regional company in Wisconsin in 1953, selling car insurance to drivers who couldn’t get standard coverage. Acquired by Sentry in 1966, Dairyland now sells auto, motorcycle, and off-road insurance nationwide, and still caters to non-standard drivers. The company also sells renters, RV, and life insurance, and car insurance in Mexico. Although Dairyland has many positive customer comments on review websites, it has a slightly higher-than-average number of complaints in the National Association of Insurance Commissioners Customer Complaint Index. A.M. Best, however, gives the company an A+ rating for financial stability and credit.
Pros
Many positive customer reviews
Provides coverage to drivers who may not be able to get it elsewhere
Cons
More complaints than expected with the NAIC
Rates tend to be higher than competitors
Best insurer for discounts: Liberty Mutual
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $110/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $242/mo |
3.7
A solid optionBased on 2671 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the initial low prices, quick claims handling, and easy account access but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,559)
Michael
November 19, 2024
Verified Review
Go Elsewhere
The customer service is poor. It's difficult to speak to a human as it's overly automated.
Deborah
November 12, 2024
Verified Review
Examine Every Inch of Your Policy
I didn't realize I didn't have accident forgiveness until my daughter had an accident. They tripled the cost of my policy.
Lee
November 12, 2024
Verified Review
Ugh!
The rates increase every year. I'm an excellent driver and I've never made a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual offers auto, homeowners, condo, renters, flood, life, and other insurance products. Auto policyholders can save with numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength and credit from AM Best. The company often scores low for customer satisfaction and has more than three times the expected number of complaints from private auto policyholders, according to the National Association of Insurance Commissioners Consumer Complaint Index.
Pros
Wide range of available discounts
Accident forgiveness available
Available in all 50 states and D.C.
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Low customer satisfaction scores from J.D. Power
How to get the cheapest car insurance in Garden City
Finding the cheapest car insurance in Garden City will depend on your needs, driving history, automobile, location, and other factors. Here are some of the best strategies for finding the cheapest car insurance for your situation:
Compare quotes. Not all insurers use the same parameters to determine premium costs, according to Worters. That means one of the best ways to find the cheapest insurance is by comparing quotes from a number of insurance companies.
Increase your deductible. The deductible is the amount of money you have to pay up front before your insurance starts to cover costs. When you increase your deductible, you pay more out of pocket if you make a claim, but your insurer usually reduces your monthly premiums in exchange.
Bundle auto insurance with other policies. Insurers that offer more than just auto insurance often provide a discount if you also get a home insurance, renters insurance, life insurance, or other policy in addition to your car insurance policy.
Drive safely. One of the best ways to keep your insurance costs low is to consistently drive safely and defensively and avoid accidents and moving violations.
Get Car Insurance in Garden City Online
Liability rates start at $74/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Garden City: Root
One of the quickest methods of reducing your auto insurance premiums is by purchasing a liability-only policy. With liability-only car insurance, your insurer will only pay for property damage or bodily injury of another person when you’re at fault in an accident.
If your car requires repair or replacement, liability-only insurance won’t cover those costs. But Kansas does require drivers to carry personal injury protection (PIP) coverage, which is also known as no-fault coverage.[2] PIP insurance pays for associated medical costs for yourself or your passengers if you’re injured in an accident, regardless of who’s at fault.
The average cost of liability coverage in the city is $82 per month. These are the cheapest liability-only car insurance companies in Garden City, Kansas:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Root | $74 |
| Dairyland | $84 |
| CSAA | $85 |
| Safeco | $85 |
| National General | $87 |
| Direct Auto | $101 |
| Bristol West | $105 |
| Liberty Mutual | $110 |
| The General | $115 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Garden City: Root
Liability-only coverage is generally the bare minimum you need, and it can leave you financially vulnerable. Drivers may choose a full-coverage auto insurance policy to protect themselves. This kind of policy includes collision coverage and comprehensive coverage. Collision coverage will pay to repair or replace your vehicle if you cause an accident, while comprehensive coverage will pay to repair or replace your vehicle if something other than accident damages it, such as a falling tree branch or a joyriding car thief.
The average cost of liability coverage in the city is $202 per month. These are the cheapest full-coverage insurance companies in Garden City:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Root | $125 |
| CSAA | $157 |
| National General | $165 |
| Safeco | $175 |
| Direct Auto | $207 |
| Dairyland | $225 |
| Liberty Mutual | $242 |
| The General | $250 |
| Bristol West | $283 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Garden City, Kansas
Recent Garden City, Kansas car insurance prices for Dodge, Hyundai, Lincoln , and more.
*Quotes generated for Insurify users in and around Garden City, Kansas within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Garden City, Kansas within the last 10 days. Last updated on November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Kansas
Kansas requires drivers to carry these coverages:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection |
|
| Uninsured/underinsured motorist | $25,000 per person / $50,000 per accident |
Drivers can also choose additional coverage options, including:
Comprehensive coverage
Comprehensive insurance provides coverage when theft, vandalism, falling objects, or weather events damage your vehicle.
Collision coverage
Collision insurance kicks in after an accident or when you hit a mailbox, even if you’re at fault.
Roadside assistance coverage
Roadside assistance provides coverage for towing, jumpstarts, or tire changes on the side of the road when your vehicle breaks down.
Gap coverage
Gap insurance covers the difference between your total loss settlement and what you owe on your auto loan if you finance your vehicle.
Cheapest car insurance for drivers with an incident
Safe drivers enjoy the cheapest auto premiums, but what about drivers with spottier records? Whether you’ve received a citation for speeding, were at fault after an accident, or gotten a DUI, such violations will likely increase your insurance rates, especially if you need an SR-22 policy.[3]
If you have a speeding ticket, an at-fault accident, or a DUI conviction, here are the cheapest insurers in Garden City.
Find Car Insurance in Garden City, Kansas
See personalized quotes from top auto insurers in minutes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Root
Speed limits are in place for a reason: Going too fast is dangerous. The National Highway Traffic Safety Administration (NHTSA) reports speeding was a contributing factor in 29% of traffic fatalities in 2021. This helps explain why speeding tickets lead to higher insurance premiums.
If you received a citation for speeding, you can still find cheap auto insurance in Garden City. But you can expect to pay more than a driver without a lead foot. The average cost of car insurance for drivers with a speeding ticket in Garden City is $125 per month.
Here are some of the insurers offering cheaper rates for drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Root | $74 | $108 |
| Dairyland | $84 | $114 |
| CSAA | $85 | $118 |
| Safeco | $85 | $117 |
| National General | $87 | $119 |
| Direct Auto | $101 | $138 |
| Bristol West | $105 | $144 |
| Liberty Mutual | $110 | $161 |
| The General | $115 | $159 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Root
Causing an accident can also increase your car insurance rates. Garden City drivers with an at-fault accident on their record pay an average of $126 per month.
Here are the cheapest liability insurance companies for drivers with at-fault accidents on their records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Root | $74 | $111 |
| Dairyland | $84 | $117 |
| CSAA | $85 | $123 |
| Safeco | $85 | $118 |
| National General | $87 | $122 |
| Direct Auto | $101 | $145 |
| Bristol West | $105 | $147 |
| Liberty Mutual | $110 | $164 |
| The General | $115 | $164 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Root
Having a DUI can double your monthly car insurance rates in Garden City. Insurify data shows that Garden City drivers with a DUI pay an average of $126 per month for liability coverage.
Here are the cheapest auto insurers in Garden City if you have a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Root | $74 | $112 |
| Dairyland | $84 | $142 |
| CSAA | $85 | $130 |
| Safeco | $85 | $134 |
| National General | $87 | $147 |
| Direct Auto | $101 | $171 |
| Bristol West | $105 | $178 |
| Liberty Mutual | $110 | $186 |
| The General | $115 | $194 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Root
Middle-aged drivers tend to pay the least for car insurance compared to other age groups. Even drivers older than 70 see rates increase again because senior drivers may experience slower reflexes and other physical declines that can increase their likelihood of getting into an accident.[4]
Senior drivers in the city pay an average of $58 per month for liability coverage. The cheapest car insurance for senior drivers in Garden City include the following companies:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Root | $58 | $98 |
| CSAA | $60 | $111 |
| Dairyland | $62 | $167 |
| National General | $62 | $117 |
| Safeco | $68 | $139 |
| Direct Auto | $73 | $150 |
| Bristol West | $78 | $211 |
| Liberty Mutual | $86 | $189 |
| The General | $87 | $189 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Root
“Teen drivers tend to pay the highest car insurance rates because of their lack of experience,” says Worters. Insurers also know that teens have higher rates of risky driving behavior, which means they’re more likely to get into a crash than other drivers.
That doesn’t mean teens (and their parents) are stuck paying unaffordable insurance premiums. Worters offers several suggestions for working to lower those rates.
“The best thing they can do to reduce insurance costs is by having a good driving record, purchasing a car that is not one that has a high theft rate, and having good credit,” she says. “These can all help a young driver to keep their rates low.”
Teen drivers in the city pay an average of $152 per month for liability coverage. The following insurers offer the lowest rates for teen drivers in Garden City:
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Root | $116 | $196 |
| Dairyland | $142 | $380 |
| CSAA | $143 | $264 |
| Safeco | $170 | $351 |
| National General | $178 | $338 |
| Bristol West | $185 | $499 |
| The General | $191 | $416 |
| Direct Auto | $193 | $395 |
| Liberty Mutual | $197 | $434 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop Cheap Quotes in Garden City
Save up to $852 when you compare rates
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Garden City car insurance quotes by credit tier
Insurance companies in Kansas can take your credit history into account when determining your premium costs. But your credit history can’t be the only factor insurers use — and insurers can’t use your credit to increase your premiums at policy renewal.[5]
Insurers have found that drivers with good to excellent credit scores generally make fewer insurance claims, while drivers with fair to poor credit scores make more claims. So working to improve your credit score will not only help your finances in general — it may also help you lower your auto insurance costs.
These are the average monthly car insurance premiums in Garden City by credit tier:
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Garden City?
The average cost for full-coverage auto insurance in Garden City is $202 per month, which is similar to the state’s average cost for the same level of coverage of $170 per month, according to Insurify data.
More cities in Kansas
Worters explains that location can make a big difference in your auto insurance costs.
“Due to higher rates of vandalism, theft, and accidents, urban drivers generally pay a higher auto insurance price than those in small towns or rural areas,” she says. Even ZIP codes can affect car insurance premiums.
Here’s how Garden City’s rates compare to average rates in other Kansas cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Kansas City | $187 | $94 |
| Lawrence | $170 | $82 |
| Manhattan | $155 | $70 |
| Topeka | $157 | $82 |
| Wichita | $193 | $93 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Garden City car insurance FAQs
Check out Insurify’s guides on lowering your car insurance premiums, and read the answers to common questions about Garden City car insurance for more information.
How much is car insurance in Garden City?
The average cost of car insurance in Garden City is $82 per month for liability coverage and $202 per month for full coverage.
Which company has the cheapest car insurance in Garden City?
The cheapest car insurance companies for liability coverage in Garden City are Root, Dairyland, and CSAA, with rates as low as $74, $84, and $85 per month, respectively.
But drivers should always compare auto quotes for similar coverage levels with different companies to find the best rate for their needs.
What are the best car insurance companies in Garden City?
The best car insurance companies in Garden City are USAA, State Farm, and Auto-Owners. These companies have above-average J.D. Power customer satisfaction ratings in the Central region, lower-than-average monthly premiums, and solid IQ Scores.[6]
How much car insurance do you need in Kansas?
Drivers in Kansas need liability car insurance of at least $25,000 per person and $50,000 per accident for bodily injury liability; $25,000 per accident for property damage liability; $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage; and personal injury protection.[2]
Is Kansas a no-fault state?
Yes. Kansas is a no-fault state, meaning your auto insurance policy covers your medical expenses after a car accident, regardless of fault.[7]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Kansas
Sources
- III. "What determines the price of an auto insurance policy?."
- Kansas Insurance Department. "Auto Insurance."
- III. "Do auto insurance premiums go up after a claim?."
- III. "Senior driving safety and insurance tips."
- Kansas State Legislature. "Article 51. - Insurance Score Act."
- J.D. Power. "2023 U.S. Auto Insurance Study."
- Kansas Department of Insurance. "Auto Insurance Shopper’s Guide."
)
Emily Guy Birken
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
)
)
)
)
)