Best Cheap Auto Insurance in Garden City, Kansas (2023)

The best car insurance in Garden City, Kansas, will provide you the coverage you need at a price you can afford — whether you’re looking just for the state minimums or more comprehensive coverage.

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Emily Guy Birken
Emily Guy Birken
Updated October 1, 2023
Emily Guy Birken
Emily 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.

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Courtney 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.

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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] Insurify data finds the cheapest insurance companies in Garden City include State Farm, Midvale Home & Auto, and USAA. These insurers offer average prices lower than the average cost for Garden City — $126 per month for liability-only coverage and $285 per month for comprehensive coverage.

Quick Facts
  • The average cost of liability-only auto insurance coverage in Garden City, Kansas, is $126 per month.

  • Kansas law requires all drivers to carry personal injury protection coverage and uninsured and underinsured motorist coverage in addition to liability coverage.[2]

  • Garden City has higher average monthly auto insurance costs than many major Kansas cities.

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Best 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.

Best company for liability-only coverage: Midvale Home & Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
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
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.
$62/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.
$112/mo

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 company for seniors: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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++
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.
$108/mo

Founded in Bloomington, Illinois, in 1922 by retired farmer George Jacob Mecherle, State Farm is one of the oldest and largest auto insurance companies in America by market share.[3]

Pros
  • High customer satisfaction ratings for the insurance shopping process[4]

  • Plenty of available discounts

Cons
  • Can’t purchase a policy online

  • Gap insurance not available

Friendly; knowledgeable; cares for customer needs

Phyllis - February 1, 2023
Verified

Premiums jump every six months

Kenneth - January 31, 2023
Verified

They are great; prompt, polite, very educated

Angela - January 31, 2023
Verified
Read our State Farm review

Best company for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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++
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.
$98/mo

USAA got its start in 1922 when 25 Army officers joined together to insure each other’s automobiles. More than a century later, USAA is still offering car insurance to active-duty military members, veterans, and their families.

Pros
  • Highest overall score for customer satisfaction in J.D. Power’s 2023 U.S. Auto Insurance Study[5]

  • Offers usage-based auto insurance

Cons
  • Not available for every driver

  • Doesn’t have 24/7 customer service

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023
Verified

They Serve The Veteran.

Jack - September 7, 2023
Verified

Raised rates nearly 43%.

Jan - June 19, 2023
Verified
Read our USAA review

Cheapest liability-only car insurance in Garden City

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. However, 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.

These are the cheapest liability-only car insurance companies in Garden City, Kansas:

Insurance CompanyAverage Monthly Quote
Midvale Home & Auto$85
Safeco$97
State Auto$103
Dairyland$115
Bristol West$148
Direct Auto$161
The General$178
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

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.

These are the cheapest full-coverage insurance companies in Garden City:

Insurance CompanyAverage Monthly Quote
State Farm$93
USAA$102
American Family$110
Auto-Owners$121
GEICO$143
Travelers$161
Allstate$172
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.

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Car insurance requirements in Kansas

Kansas requires drivers to carry these coverages:[2]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person, $50,000 per accident
Property damage liability$25,000 per accident
Personal injury protection
  • $4,500 per person for medical expenses
  • $900 per month for one year for disability/loss of income
  • $25 per day for in-home services
  • $2,000 for funeral, burial, or cremation expenses
  • $4,500 for rehabilitation expenses
  • Disability/loss of income up to $900 per month for one year
  • In-home services up to $25 per day for one year
Uninsured/underinsured motorist$25,000 per person, $50,000 per accident

Drivers can also choose additional coverage options, including: 

illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

Comprehensive

This provides coverage for when theft, vandalism, falling objects, or weather events damage your vehicle.

illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

Collision

This coverage kicks in after an accident or when you hit a mailbox, even if you’re at fault.

illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

Roadside assistance

This provides coverage for towing, jumpstarts, or tire changes on the side of the road when your vehicle breaks down.

illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

Gap insurance

This 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.[6]

If you have a speeding ticket, an at-fault accident, or a DUI conviction, here are the cheapest insurers in Garden City.

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Cheapest car insurance for drivers with a speeding ticket

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. However, expect to pay more than a driver without a lead foot. Here are some of the insurers offering cheaper rates for drivers with a speeding ticket:

Insurance CompanyAverage Monthly Quote
State Farm$125
USAA$137
American Family$147
Auto-Owners$162
GEICO$192
Travelers$216
Allstate$231
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

Full-coverage auto insurance for drivers in Garden City who have never caused an accident ranges from $93 to $346 per month, according to Insurify data, while drivers with an at-fault accident on their record pay between $134 and $494 per month.

Insurance CompanyAverage Monthly Quote
State Farm$134
USAA$147
American Family$157
Auto-Owners$173
GEICO$204
Travelers$231
Allstate$241
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

Having a DUI can double your monthly car insurance rates in Garden City. Insurify data shows that Garden City drivers with a DUI pay between $186 and $688 per month, on average, compared to drivers without a DUI paying an average between $93 and $346 per month for full coverage.

Insurance CompanyAverage Monthly Quote
State Farm$186
USAA$204
American Family$218
Auto-Owners$241
GEICO$284
Travelers$321
Allstate$343
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

Middle-aged drivers tend to pay the least for car insurance compared to other age groups. Even drivers older than 75 tend to 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.[7]

The cheapest car insurance for senior drivers in Garden City, Kansas, include the following companies:

Insurance CompanyAverage Monthly Quote
State Farm$59
USAA$65
American Family$69
Auto-Owners$76
GEICO$90
Travelers$102
Allstate$109
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

“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.”

The following insurers offer the lowest rates for teen drivers in Garden City:

Insurance CompanyAverage Monthly Quote
State Farm$137
USAA$151
American Family$161
Auto-Owners$178
GEICO$210
Travelers$237
Allstate$253
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.

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.

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Garden City car insurance quotes by credit tier

Insurance companies in Kansas can take your credit score into account when determining your premium costs. However, your credit score can’t be the only factor insurers use — and insurers can’t use your credit score to increase your premiums at policy renewal.[8] 

Insurers have found that drivers with good to excellent credit scores generally make fewer insurance claims, while those with fair to poor credit scores tend to 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?

Drivers in Garden City pay 20% more for their auto insurance than Kansans in other cities. The average cost for full-coverage auto insurance in Garden City is $285 per month, while the state’s average cost for the same level of coverage is only $238 a 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.

That said, Topeka — with about five times the population of Garden City — has the least expensive full-coverage auto insurance in Kansas, with an average monthly cost of only $205. And Wichita, Overland Park, and Kansas City — the three largest cities in the state — also have lower premiums than Garden City. This likely has to do with the per-capita claims made in each location, which affects the premiums drivers pay.

CityAverage Monthly QuoteCompared to Garden City
Kansas City$266-7%
Overland Park$238-16%
Topeka$205-28%
Wichita$251-12%
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?

    Car insurance in Garden City costs an average of $285 a month for full coverage and $126 a month for liability only.

  • Who has the cheapest car insurance in Garden City?

    The cheapest car insurance companies for full-coverage insurance in Garden City, Kansas, include State Farm, USAA, and American Family. The cheapest liability-only insurers in the city are Midvale Home & Auto and Safeco, which have average monthly rates of less than $100.

    However, 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.[5]

  • 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.[9]

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. III. "What determines the price of an auto insurance policy?." Accessed June 20, 2023
  2. Kansas Insurance Department. "Auto Insurance." Accessed June 20, 2023
  3. NAIC. "Property and Casualty Insurance Industry 2022 Top 25 Group and Companies by Countrywide Premium." Accessed June 20, 2023
  4. J.D. Power. "2022 U.S. Insurance Shopping Study." Accessed June 20, 2023
  5. J.D. Power. "2023 U.S. Auto Insurance Study." Accessed June 20, 2023
  6. III. "Do auto insurance premiums go up after a claim?." Accessed June 20, 2023
  7. III. "Senior driving safety and insurance tips." Accessed June 20, 2023
  8. Kansas State Legislature. "Article 51. - Insurance Score Act." Accessed June 20, 2023
  9. Kansas Department of Insurance. "Auto Insurance Shopper’s Guide." Accessed June 20, 2023
Emily Guy Birken
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 Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney 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.

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