Cheap Auto Insurance Quotes in Garden City, KS (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Sunflower State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes

In Kansas (as the saying goes), there’s no place like home. But even in Kansas, you can’t stay in your pajamas all day.

While getting on the road can be risky, Garden City drivers do it all the time. That’s why having good auto insurance coverage at a rate you can afford counts in this town.

Car Insurance in Garden City, KS

The average cost of Kansas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Garden City, KS to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$37
$59
$104
$128
$135
ProgressiveState FarmNationwideTravelersAmerican Family
Monthly $

Cheapest Car Insurance in Garden City, KS

Here are the cheapest carriers in Garden City for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$125
$122
$142
$103
$127
$133
KansasWichitaKansas CityOlatheTopekaGarden City
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Garden City, KS Driving Facts

kansas

Minimum Car Insurance Requirements in KS

Each state has at least a few differences in how it manages and enforces car insurance laws, so it’s important to understand the quirks and nuances of your state like this one: Is car insurance required in Kansas? Well, yes and no.

It may seem rare, but several states, including Kansas, offer alternatives to carrying insurance. This alternative is called Financial Responsibility in Kansas. Essentially, instead of going through an insurance company to cover damages drivers cause, drivers pay for damages out of their own pockets. Before they can legally drive without a policy, they must file proof of financial responsibility with the state.

For some drivers, this may seem like a great option. But for most everyone, driving without insurance is like walking a tightrope with no safety net—over the Grand Canyon in a windstorm. 

If you (hopefully) decide to purchase coverage, then you’ll need to purchase at least the required minimum coverage. These are:

  • $25,000/$50,000 bodily injury liability per person/accident
  • $25,000 property damage liability
  • $25,000/$50,000 uninsured and underinsured motorist protection 
  • $4,500 personal injury protection coverage per person

These are called minimum requirements for a reason. Drivers can certainly purchase higher liability coverage limits for themselves and their families, and many drivers should. Once the limits are reached in the event of an accident, the driver at fault will be required to cover damages.

For drivers who often cart around several passengers at a time, it’s easy to see how quickly minimums will be exceeded. The same logic also applies to underinsured/uninsured motorist coverage limits.

Garden City Car Insurance Rates by Driver Age

Hardworking teens might be able to squeak out a car insurance payment at $419 per month, perhaps with a little help from mom and dad. In Garden City, experience is the name of the game, and those who have it pay less. Young adults in their 20s drop below $200. And the trend continues down, with everyone spending below or slightly above the $197 state average. Those in their 60s do exceptionally well and pay over $275 cheaper than the youngest drivers.

Driving History
No Violation$151
Speeding Ticket$424
At-Fault Accident$630
Failure to Stop for Red Light / Stop SignN/A

Garden City Car Insurance Rates by Driving and Accident History

Kansans know safe driving saves more than just lives. Insurance companies kick their best deals over to those with clean records and give them the “good driver” and “accident-free” discounts. One missed alarm clock causes all the savings to go goodbye since a speeding ticket pops the price up to $423. And an at-fault accident has even worse repercussions, quadrupling the rate to $630 per month. But it’s not all frowns because, after three years of careful driving, tickets and accidents stop affecting insurance premiums.

Garden City Car Insurance Rates by Credit Tier

Like most others in the U.S., the Sunflower State lets insurance companies factor in credit when setting rates. That doesn’t stop many Garden City residents from pondering the link between a Mastercard payment and mastering the road. Generally, people with the worst credit pay the most for car insurance. Why do people with poor credit pay less than those with average and likewise with good and excellent credit? People with better credit can finance costlier cars and need more coverage to protect their assets. That said, moving from average to good credit saves over $150 per month, or $1,800 per year.

Garden City, KS DMV Information

Looking for a place to get a driver’s license in Finney County? The closest driver’s license location is at 2506 North Johns Street in Garden City. You can also renew your driver’s license at this location or more easily through the state’s iKan app. While tag renewal can also be accomplished using this system, not everyone likes going online. If that’s you, then it’s time to find a county treasurer’s office, which is in charge of executing this service. In Garden City, the closest county office is the County Courthouse at 311 North Ninth St.

Public Transportation in Garden City, KS

There are more ways to get around this 10.93-square-mile town besides your own two feet. Public transportation for Garden City residents is serviced by Finney County Transit. City Link offers residents a way to over 65 stops across town and operates from 6 a.m. to 7 p.m. Fare costs a dollar and children five and under are free. The county’s paratransit option (which also gives rides to the elderly) is by application only but also offers residents with disabilities a dependable way to get around. On-demand services are available on a first-come, first-served basis beginning at $2 and increasing with mileage.

Conclusion: How to get the best and cheapest car insurance in Garden City, KS

Though driving in Kansas City is less risky than in other places, accidents happen here, too. And it’s not just traffic congestion that gives drivers here headaches. Inclement weather is the cause of many auto insurance claims as well.

In Kansas, insurers shell out millions of dollars in claims annually due to tornados. In these instances, falling tree limbs are just the beginning of people’s hardships. Good thing finding a solid auto insurance policy is so easy. Use Insurify to get the best coverage and rates for your car at a price that works for you.

Find local Garden City agents

Rutter Cline a KFSA Insurance Agency
215 N. Main St., Garden City, KS 67846-5339
The Agency, Inc.
118 East Chestnut, Garden City, KS 67846-5402
Keller Leopold Insurance, LLC
302 N Fleming Ste 1, Garden City, KS 67846
ICI - Garden City
920 Stone Creek Dr. , Suite B, Garden City, KS 67846
Steve Dyer: Allstate Insurance
205 E Laurel St, Garden City, KS 67846
Robert Unruh - State Farm Insurance Agent
1106 N Belmont Pl, Garden City, KS 67846
Farmers Insurance - Rodrigo Ruvalcaba
503 N Main St, Garden City, KS 67846
Farmers Union Insurance: Nicole Faulconer
301 E Pine St, Garden City, KS 67846
Lee Barrett - State Farm Insurance Agent
2606 Fleming St, Garden City, KS 67846
Farmers Union Insurance: Mario Lopez Insurance Agency
615 N Main St, Garden City, KS 67846

Insurify Insights: How Garden City Drivers Measure Up

ford
Ford Edge
Most Popular Car in
Garden City, KS
suspended licenses
#12
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Garden City drivers measure up to their fellow Kansas motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle Garden City

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Garden City is the Ford Edge.

DUI/DWIs Garden City

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Garden City drivers rank 15 in the number of DUI’s per driver across all cities in Kansas.

  • Rank within state: #15
  • Percent of drivers in Garden City with a DUI: %
  • Drivers in Garden City, KS with a DUI in their driving history paid on average % more than drivers with a clean record

Speeding Garden City

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kansas, Garden City drivers rank 8 in the number of speeding infractions per driver.

  • Rank within state: #8
  • Percent of drivers in Garden City with a speeding ticket: %
  • Drivers in Garden City, KS with a speeding ticket in their driving history paid on average % more than drivers with a clean record

FAQs - Garden City, KS Car Insurance

Does Kansas have cheap insurance?

Kansas insurance rates are comparable to the rest of the country. Though you can go online and search cheap rates in Kansas, insurance is very personalized. This means that each individual has unique factors that influence their insurance rates. Your age, gender, and even credit score all go into the price calculations. The more personalized a quote you can get (this includes how much you drive, where you drive, what discounts you might qualify for, etc.), the cheaper your insurance can be.

How can I check the status of my driver’s license in Kansas?

Though the DMV can provide you with a summary of your driving record online, this system will not reflect whether your driving privileges are valid. If your Kansas driving privileges have been suspended, revoked, restricted, or canceled, you’ll have to contact Driver Solutions at 1 (785) 296-3671 to determine eligibility and requirements for reinstatement.

Where do I renew my registration in Kansas?

You can use Kansas DMV’s iKan app to renew your vehicle registration in a snap instead of visiting a Kansas DMV. The DMV has made it easy for residents to renew their registration online by preparing a set of videos that walk you through the app step by step. If you prefer to register your vehicle in person, you can register your vehicle at any county treasurer’s office.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.