Cheapest Car Insurance Quotes in Gardner

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Gardner Car Insurance

^$ 26

/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 Gardner

The car insurance rate in Gardner is $1313 for a six-month policy, which is $97 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $397, making it a popular choice for budget-conscious drivers. Rates in Gardner 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 Gardner

$1313

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Gardner

1st place: Colorado Farm Bureau

At $397 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 $436 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 $654 for six months, making it the third cheapest auto insurance company in Gardner.

Gardner Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gardner, CO is Colorado Farm Bureau, offering policies at just $397 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $436.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1591 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gardner drivers find the best deals.

Cheap Car Insurance Companies in Gardner, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$397	$66
American National P&C	$436	$75
Auto-Owners Insurance Co	$654	$109
Acuity	$712	$121
Colorado Farm Bureau Mutual	$834	$139
American National	$1078	$184
American Family	$1097	$185
USAA	$1231	$207
State Farm	$1488	$251
Progressive	$1514	$255
Allstate	$2066	$348
Nationwide	$2341	$399
Farmers	$2579	$434
Auto-Owners	$1161	$193
Farm Bureau	$1848	$314
California Casualty	$1591	$266

Key Takeaways

Way's key takeaways about car insurance in Gardner

The auto insurance costs in Gardner fall around $397 for six months.
The cheapest auto insurance company in Gardner is Colorado Farm Bureau.
Teen drivers pay the highest rate in Gardner at $646 per month.

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Cheapest Minimum Liability Car Insurance in Gardner

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 Gardner are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Gardner. Their Average 6 Month Premium is $154. California Casualty is the most expensive at $225 for the same period.

Cheapest Liability Coverage in Gardner, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$154	$26
American National P&C	$166	$28
American National	$199	$33
Colorado Farm Bureau Mutual	$231	$39
USAA	$275	$46
Progressive	$288	$49
Auto-Owners Insurance Co	$301	$51
Farm Bureau	$308	$52
Acuity	$327	$55
American Family	$347	$58
State Farm	$353	$59
Farmers	$545	$91
Allstate	$609	$104
Auto-Owners	$430	$71
Nationwide	$712	$119
California Casualty	$225	$38

Cheapest Full Coverage Car Insurance in Gardner

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 Gardner is Colorado Farm Bureau at $66 per month and $397 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gardner, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$397	$66
American National P&C	$436	$75
Auto-Owners Insurance Co	$654	$109
Acuity	$712	$121
Colorado Farm Bureau Mutual	$834	$139
American National	$1078	$184
American Family	$1097	$185
USAA	$1231	$207
State Farm	$1488	$251
Progressive	$1514	$255
Allstate	$2066	$348
Nationwide	$2341	$399
Farmers	$2579	$434
Auto-Owners	$1161	$193
Farm Bureau	$1848	$314
California Casualty	$1591	$266

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Average Car Insurance in Gardner 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 Gardner, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Gardner, 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, Gardner's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Gardner

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

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Cheapest Car Insurance Rates for Teen Drivers in Gardner,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Gardner at $27 per month. At $3797 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$161	$27
American National P&C	$199	$33
California Casualty	$225	$38
Colorado Farm Bureau	$282	$48
Auto-Owners Insurance Co	$410	$68
Colorado Farm Bureau Mutual	$1469	$249
USAA	$1841	$310
American Family	$2303	$388
State Farm	$3271	$551
Progressive	$3997	$673
Allstate	$4311	$726
Nationwide	$7474	$1271
Farmers	$9475	$1595
Auto-Owners	$3797	$646

Teen Car Insurance Rates in CO by Age

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 Gardner, Colorado Farm Bureau is the cheapest car insurance provider. At $301 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 Gardner is AutoOwners, offering rates of around $3515 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$301	$51
Acuity	$462	$77
American Family	$1501	$253
Progressive	$1988	$335
USAA	$2226	$378
Farmers	$2944	$496
Nationwide	$3554	$605
Allstate	$3945	$658
State Farm	$6864	$1167
Auto-Owners	$3515	$597

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Car Insurance Rates with An Accident in Gardner

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 Gardner, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Gardner

The cheapest car insurance companies after an at-fault accident in Gardner include Colorado Farm Bureau and American National, offering $192 and $225, respectively. AutoOwners is an expensive provider with an average six-month premium of $1931.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$192	$32
American National	$225	$38
American National P&C	$238	$40
Farm Bureau	$301	$51
California Casualty	$436	$72
Colorado Farm Bureau Mutual	$1008	$172
USAA	$1065	$179
State Farm	$1117	$188
American Family	$1347	$227
Progressive	$2001	$337
Allstate	$3022	$509
Farmers	$3535	$595
Nationwide	$4106	$685
Auto-Owners	$1931	$322

Gardner Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gardner CO. For example, the car insurance in Gardner after a DUI increases to $1142 for a six month policy. While the rate increases by $334 for a six-month policy in the case of a speeding ticket.

Gardner auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1431	$239
One Med/PIP claim	$1437	$244
Not-at-fault accident	$1462	$244
One comp claim	$1469	$249
Two Med/PIP claims	$1469	$245
Two comp claims	$1527	$259
Failure to wear a seat belt	$1597	$267
Failure to show documents	$1610	$274
Child safety restraint	$1630	$271
Driving without lights	$1630	$278
Driving with expired registration	$1693	$282
Texting while driving	$1713	$292
At-fault accident - less than $1000	$1726	$287
Cell phone violation	$1732	$295
Failure to yield	$1732	$288
Following too closely	$1732	$295
Illegal turn	$1732	$288
Failure to stop at a red light	$1739	$296
Driving too slowly	$1745	$291
Improper passing	$1752	$298
Wrong way/wrong lane	$1758	$293
Speeding 6 - 10 MPH over limit	$1765	$300
Speeding 11 - 15 MPH over limit	$1770	$295
Speeding 16 - 20 MPH over limit	$1770	$301
Speeding in school zone	$1777	$296
Passing school bus	$1809	$308
In 65 MPH zone	$1925	$321
Operating a vehicle without permission	$1931	$328
Speeding 21 - 25 MPH over limit	$1957	$326
Open container	$2008	$341
At-fault accident - $1000-$2000	$2110	$352
At-fault accident - greater than $2000	$2156	$366
Driving with a suspended license	$2258	$376
Reckless driving	$2489	$423
Refusal to submit to a chemical test	$2514	$419
Racing	$2540	$432
DUI	$2573	$429
Leaving scene of an accident/hit and run	$2669	$454

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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 Gardner 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 Gardner.

The cheapest car insurance premiums in Gardner are offered by Colorado Farm Bureau at $225 for a six-month policy. However, it can be as expensive as $2400 with companies like AutoOwners.

Gardner car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$225	$38
American National	$238	$40
American National P&C	$269	$45
Farm Bureau	$353	$58
Colorado Farm Bureau Mutual	$1026	$175
Progressive	$1219	$205
State Farm	$1302	$219
American Family	$1449	$244
USAA	$1534	$258
Farmers	$2206	$372
Allstate	$2598	$437
Nationwide	$5543	$923
Auto-Owners	$2400	$408

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 Gardner are offered by American National P&C at $199. However, it can be as expensive as $1206 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Gardner after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$199	$33
Colorado Farm Bureau	$205	$35
Auto-Owners Insurance Co	$327	$54
State Farm	$982	$165
American Family	$1039	$175
USAA	$1379	$234
Progressive	$1591	$268
Allstate	$2598	$442
Nationwide	$3387	$565
Farmers	$4420	$752
Auto-Owners	$1206	$205

Car Insurance Price Trends in Gardner, Colorado

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

The average cost of full coverage in the Gardner rose by $281 in January compared to $254 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Gardner dipped to $52 in January, compared to $63 in December. This represents an decrease of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Gardner?

The car insurance in Gardner is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Gardner?

The cheapest car insurance in Gardner is $66 per month for full coverage.

How much is car insurance in Gardner for teenagers?

Car insurance for teenagers costs $161 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 Gardner?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $221 per month to insure your car in Gardner.

Is car insurance expensive in Gardner?

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

What is the best car insurance in Gardner, CO?

The best car insurance company in Gardner CO is Colorado Farm Bureau, offering $397 for a six-month policy.