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

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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Garden City, KS Driving Facts

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.

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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.

Driver's AgeAvg. Monthly Cost
teens$419
20s$187
30s$204
40s$168
50s$145
60s$124
70s$127
80sN/A
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$145
Good$93
Average$252
Poor$194

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Garden City stacks up for the state of Kansas:

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Ford Edge
Most Popular Car in
Garden City, KS
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#--
Cities with Most
Suspended Licenses Rank

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.