Cheapest Auto Insurance in Garden City, Kansas (2024)

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 $115 per month for car insurance, which is similar to the state average of $129 per month. Garden City’s relatively small population compared to other Kansas cities’ populations may contribute to its cheap average rates.

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.

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

Best insurer for high-risk drivers: Dairyland

Best insurer for discounts: Liberty Mutual

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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Cheapest liability-only car insurance in Garden City: Safeco

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 $68 per month. These are the cheapest liability-only car insurance companies in Garden City, Kansas:

Cheapest full-coverage car insurance in Garden City: Travelers

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 $162 per month. These are the cheapest full-coverage insurance companies in Garden City:

Car insurance requirements in Kansas

Kansas requires drivers to carry these coverages:^[2]

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.

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Cheapest car insurance for drivers with a speeding ticket: Safeco

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 $99 per month.

Here are some of the insurers offering cheaper rates for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: Safeco

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 $105 per month.

Here are the cheapest liability insurance companies for drivers with at-fault accidents on their records.

Cheapest car insurance for drivers with a DUI: Safeco

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 $105 per month for liability coverage.

Here are the cheapest auto insurers in Garden City if you have a DUI.

Cheapest car insurance for seniors: Safeco

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 $46 per month for liability coverage. The cheapest car insurance for senior drivers in Garden City include the following companies:

Cheapest car insurance for teens: Safeco

“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 $119 per month for liability coverage. The following insurers offer the lowest rates for teen drivers in Garden City:

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:

Is car insurance more expensive in Garden City?

The average cost for full-coverage auto insurance in Garden City is $162 per month, which is similar to the state’s average cost for the same level of coverage of $182 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.

Garden City car insurance FAQs