Cheapest Car Insurance Quotes in Garden City

Finding the cheapest car insurance quotes in Garden City shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Garden City Car Insurance

^$ 23

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Garden City

The car insurance rate in Garden City is $1090 for a six-month policy, which is $57 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $350, making it a popular choice for budget-conscious drivers. Rates in Garden City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Garden City

$1090

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Garden City

1st place: Colorado Farm Bureau

At $350 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $384 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $576 for six months, making it the third cheapest auto insurance company in Garden City.

Garden City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Garden City, CO is Colorado Farm Bureau, offering policies at just $350 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $384.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1399 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Garden City drivers find the best deals.

Cheap Car Insurance Companies in Garden City, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$350	$60
American National P&C	$384	$64
Auto-Owners Insurance Co	$576	$98
Acuity	$626	$105
Colorado Farm Bureau Mutual	$733	$124
American Family	$920	$155
American National	$948	$162
Auto-Owners	$1021	$170
USAA	$1050	$177
State Farm	$1100	$185
Progressive	$1163	$196
Allstate	$1625	$274
Farm Bureau	$1625	$276
Nationwide	$1896	$316
Farmers	$2031	$342
California Casualty	$1399	$234

Key Takeaways

Way's key takeaways about car insurance in Garden City

The auto insurance costs in Garden City fall around $350 for six months.
The cheapest auto insurance company in Garden City is Colorado Farm Bureau.
Teen drivers pay the highest rate in Garden City at $1284 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Garden City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Garden City are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Garden City. Their Average 6 Month Premium is $136. California Casualty is the most expensive at $198 for the same period.

Cheapest Liability Coverage in Garden City, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$136	$23
American National P&C	$146	$25
American National	$175	$29
Colorado Farm Bureau Mutual	$203	$34
USAA	$232	$39
Auto-Owners Insurance Co	$265	$45
Farm Bureau	$271	$46
Progressive	$282	$48
Acuity	$288	$48
State Farm	$316	$53
American Family	$322	$54
Auto-Owners	$378	$65
Allstate	$620	$105
Nationwide	$626	$106
Farmers	$632	$106
California Casualty	$198	$33

Cheapest Full Coverage Car Insurance in Garden City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Garden City is Colorado Farm Bureau at $60 per month and $350 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garden City, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$350	$60
American National P&C	$384	$64
Auto-Owners Insurance Co	$576	$98
Acuity	$626	$105
Colorado Farm Bureau Mutual	$733	$124
American Family	$920	$155
American National	$948	$162
Auto-Owners	$1021	$170
USAA	$1050	$177
State Farm	$1100	$185
Progressive	$1163	$196
Allstate	$1625	$274
Farm Bureau	$1625	$276
Nationwide	$1896	$316
Farmers	$2031	$342
California Casualty	$1399	$234

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Garden City Instantly!

Average Car Insurance in Garden City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Garden City, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Garden City, Colorado, may be increasing due to several external factors. Colorado has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Garden City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Garden City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$809
30s	USAA	$594
40s	USAA	$512
50s	USAA	$518
60s	USAA	$527
70s	USAA	$618

Cheapest Car Insurance Rates for Teen Drivers in Garden City,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Garden City at $24 per month. At $7629 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$142	$24
American National P&C	$175	$29
California Casualty	$198	$33
Colorado Farm Bureau	$248	$42
Auto-Owners Insurance Co	$361	$60
Colorado Farm Bureau Mutual	$1292	$219
USAA	$1524	$257
American Family	$1891	$318
State Farm	$2489	$419
Progressive	$3092	$521
Auto-Owners	$3340	$557
Allstate	$3386	$570
Nationwide	$6083	$1014
Farmers	$7629	$1284

Teen Car Insurance Rates in CO by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Garden City.

As young drivers face the highest rates in Garden City, USAA offers the cheapest auto insurance rates at $809 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Garden City, Colorado Farm Bureau is the cheapest car insurance provider. At $265 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Garden City is State Farm, offering rates of around $3657 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$265	$45
Acuity	$407	$67
American Family	$1207	$203
Progressive	$1247	$210
USAA	$1749	$297
Farmers	$2217	$373
Allstate	$2839	$483
Nationwide	$2883	$481
Auto-Owners	$3092	$525
State Farm	$3657	$610

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Garden City.

Car Insurance Rates with An Accident in Garden City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Garden City, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Garden City

The cheapest car insurance companies after an at-fault accident in Garden City include Colorado Farm Bureau and American National, offering $169 and $198, respectively. Nationwide is an expensive provider with an average six-month premium of $3307.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$169	$29
American National	$198	$33
American National P&C	$209	$35
Farm Bureau	$265	$45
California Casualty	$384	$64
State Farm	$864	$145
Colorado Farm Bureau Mutual	$886	$147
USAA	$886	$149
American Family	$1112	$187
Progressive	$1552	$261
Auto-Owners	$1699	$283
Allstate	$2347	$395
Farmers	$2793	$470
Nationwide	$3307	$562

Garden City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garden City CO. For example, the car insurance in Garden City after a DUI increases to $1004 for a six month policy. While the rate increases by $293 for a six-month policy in the case of a speeding ticket.

Garden City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1259	$210
One Med/PIP claim	$1264	$215
Not-at-fault accident	$1286	$215
One comp claim	$1292	$219
Two Med/PIP claims	$1292	$216
Two comp claims	$1343	$228
Failure to wear a seat belt	$1405	$235
Failure to show documents	$1416	$241
Child safety restraint	$1434	$238
Driving without lights	$1434	$244
Driving with expired registration	$1490	$248
Texting while driving	$1507	$257
At-fault accident - less than $1000	$1518	$253
Cell phone violation	$1524	$259
Failure to yield	$1524	$254
Following too closely	$1524	$259
Illegal turn	$1524	$254
Failure to stop at a red light	$1530	$260
Driving too slowly	$1535	$256
Improper passing	$1541	$262
Wrong way/wrong lane	$1547	$257
Speeding 6 - 10 MPH over limit	$1552	$264
Speeding 11 - 15 MPH over limit	$1557	$259
Speeding 16 - 20 MPH over limit	$1557	$265
Speeding in school zone	$1563	$260
Passing school bus	$1591	$271
In 65 MPH zone	$1693	$282
Operating a vehicle without permission	$1699	$289
Speeding 21 - 25 MPH over limit	$1721	$287
Open container	$1766	$300
At-fault accident - $1000-$2000	$1856	$310
At-fault accident - greater than $2000	$1896	$322
Driving with a suspended license	$1986	$331
Reckless driving	$2190	$372
Refusal to submit to a chemical test	$2212	$369
Racing	$2234	$380
DUI	$2263	$377
Leaving scene of an accident/hit and run	$2347	$399

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Garden City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Garden City.

The cheapest car insurance premiums in Garden City are offered by Colorado Farm Bureau at $198 for a six-month policy. However, it can be as expensive as $4453 with companies like Nationwide.

Garden City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$198	$33
American National	$209	$35
American National P&C	$237	$40
Farm Bureau	$311	$53
Colorado Farm Bureau Mutual	$903	$150
Progressive	$960	$162
State Farm	$977	$164
American Family	$1196	$201
USAA	$1270	$214
Farmers	$1739	$293
Allstate	$2025	$341
Auto-Owners	$2111	$359
Nationwide	$4453	$742

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Garden City are offered by American National P&C at $175. However, it can be as expensive as $3261 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Garden City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$175	$29
Colorado Farm Bureau	$181	$30
Auto-Owners Insurance Co	$288	$49
State Farm	$643	$108
American Family	$835	$141
Auto-Owners	$1061	$177
USAA	$1078	$183
Progressive	$1106	$186
Allstate	$1862	$316
Nationwide	$2731	$455
Farmers	$3261	$555

Car Insurance Price Trends in Garden City, Colorado

Car insurance rates in Garden City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Garden City rose by $223 in December compared to $219 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Garden City rose to $55 in December, compared to $49 in November. This represents an increase of $6 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Garden City?

The car insurance in Garden City is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Garden City?

The cheapest car insurance in Garden City is $60 per month for full coverage.

How much is car insurance in Garden City for teenagers?

Car insurance for teenagers costs $142 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Garden City?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $183 per month to insure your car in Garden City.

Is car insurance expensive in Garden City?

Car insurance can be expensive in Garden City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Garden City can be affordable.

What is the best car insurance in Garden City, CO?

The best car insurance company in Garden City CO is Colorado Farm Bureau, offering $350 for a six-month policy.