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

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.

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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

Best company for seniors: State Farm

Best company for military members: USAA

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:

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:

Car insurance requirements in Kansas

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

Drivers can also choose additional coverage options, including: 

Comprehensive

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

Collision

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

Roadside assistance

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

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:

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.

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.

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:

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:

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:

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.

Garden City car insurance FAQs