Cheapest Car Insurance Quotes in Garden City

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Garden City Car Insurance

^$ 39

/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 $1088 for a six-month policy, which is $62 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $396, 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

$1088

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Garden City

1st place: Country Financial

At $396 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $523 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farm Bureau

Farm Bureau offers auto insurance rates at $699 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, GA is Country Financial, offering policies at just $396 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $523.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1523 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, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$396	$68
Auto-Owners Insurance Co	$523	$87
Farm Bureau	$699	$119
Georgia Farm Bureau	$769	$128
Auto-Owners	$1120	$189
USAA	$1159	$195
Progressive	$1366	$230
Mercury	$1411	$235
Allstate	$1486	$250
Esurance P&C Ins Co	$1518	$253
State Farm	$1523	$257

Key Takeaways

Way's key takeaways about car insurance in Garden City

The auto insurance costs in Garden City fall around $396 for six months.
The cheapest auto insurance company in Garden City is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Garden City at $1304 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.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Garden City. Their Average 6 Month Premium is $233. Allstate is the most expensive at $799 for the same period.

Cheapest Liability Coverage in Garden City, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$233	$39
Farm Bureau	$296	$50
Georgia Farm Bureau	$315	$53
Auto-Owners	$377	$64
Mercury	$377	$64
Country Financial	$403	$68
USAA	$422	$71
Progressive	$466	$78
Central Insurance	$491	$82
State Farm	$724	$122
Allstate	$799	$135

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 Country Financial at $68 per month and $396 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garden City, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$396	$68
Auto-Owners Insurance Co	$523	$87
Farm Bureau	$699	$119
Georgia Farm Bureau	$769	$128
Auto-Owners	$1120	$189
USAA	$1159	$195
Progressive	$1366	$230
Mercury	$1411	$235
Allstate	$1486	$250
Esurance P&C Ins Co	$1518	$253
State Farm	$1523	$257

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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, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Garden City, Georgia, may be increasing due to several external factors. Georgia 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	Georgia Farm Bureau	$753
30s	Georgia Farm Bureau	$602
40s	Georgia Farm Bureau	$578
50s	Georgia Farm Bureau	$553
60s	Georgia Farm Bureau	$549
70s	Georgia Farm Bureau	$665

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

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Garden City at $55 per month. At $7744 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$334	$55
Mercury	$396	$68
Country Financial	$473	$80
Central Insurance	$491	$84
USAA	$1863	$314
Auto-Owners	$2047	$345
Georgia Farm Bureau	$2135	$356
Farm Bureau	$2229	$379
State Farm	$5522	$930
Allstate	$5553	$935
Progressive	$7744	$1304

Teen Car Insurance Rates in GA by Age

Way Tip

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

As young drivers face the highest rates in Garden City, Georgia Farm Bureau offers the cheapest auto insurance rates at $753 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, Country Financial is the cheapest car insurance provider. At $328 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 $4754 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$328	$54
Mercury	$384	$66
Farm Bureau	$699	$117
USAA	$1518	$258
Progressive	$2343	$390
Auto-Owners	$2462	$419
Allstate	$2682	$447
State Farm	$4754	$809

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, GA, 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 AutoOwners Insurance Co and Country Financial, offering $347 and $535, respectively. Allstate is an expensive provider with an average six-month premium of $2279.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$347	$57
Country Financial	$535	$90
Encompass	$591	$99
Central Insurance	$649	$110
Farm Bureau	$769	$128
Georgia Farm Bureau	$944	$161
Auto-Owners	$957	$161
USAA	$1026	$173
Progressive	$1895	$319
State Farm	$1921	$323
Allstate	$2279	$384

Garden City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garden City GA. For example, the car insurance in Garden City after a DUI increases to $1146 for a six month policy. While the rate increases by $360 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	$1347	$225
One Med/PIP claim	$1347	$229
One comp claim	$1354	$226
Two Med/PIP claims	$1354	$230
Not-at-fault accident	$1360	$227
Two comp claims	$1379	$234
Driving without lights	$1625	$270
Failure to wear a seat belt	$1625	$277
Child safety restraint	$1643	$273
Failure to show documents	$1643	$280
Cell phone violation	$1681	$280
Texting while driving	$1681	$286
Driving too slowly	$1707	$284
Speeding 6 - 10 MPH over limit	$1707	$290
Speeding in school zone	$1707	$284
Speeding 11 - 15 MPH over limit	$1713	$292
Driving with expired registration	$1719	$286
Failure to yield	$1719	$293
Following too closely	$1719	$286
Illegal turn	$1719	$293
Failure to stop at a red light	$1726	$287
Improper passing	$1726	$294
Speeding 16 - 20 MPH over limit	$1726	$287
Wrong way/wrong lane	$1726	$294
Speeding 21 - 25 MPH over limit	$1744	$290
Passing school bus	$1776	$302
In 65 MPH zone	$1782	$297
Open container	$1807	$307
At-fault accident - less than $1000	$1814	$302
Operating a vehicle without permission	$1838	$313
At-fault accident - $1000-$2000	$1977	$330
At-fault accident - greater than $2000	$1990	$338
Refusal to submit to a chemical test	$2330	$388
Reckless driving	$2399	$408
Racing	$2456	$409
Driving with a suspended license	$2462	$419
DUI	$2493	$416
Leaving scene of an accident/hit and run	$2557	$435

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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 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 Mercury at $403 for a six-month policy. However, it can be as expensive as $1814 with companies like Progressive.

Garden City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$403	$69
Auto-Owners Insurance Co	$523	$87
Country Financial	$567	$95
Esurance P&C Ins Co	$781	$130
Auto-Owners	$1247	$210
Farm Bureau	$1354	$226
USAA	$1467	$247
Georgia Farm Bureau	$1518	$253
State Farm	$1643	$277
Allstate	$1737	$293
Progressive	$1814	$305

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 AutoOwners Insurance Co at $270. However, it can be as expensive as $2059 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Garden City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$270	$46
Country Financial	$296	$50
Mercury	$422	$72
Farm Bureau	$769	$128
Auto-Owners	$938	$159
USAA	$1020	$170
State Farm	$1335	$227
Allstate	$1814	$302
Progressive	$2059	$350

Car Insurance Price Trends in Garden City, Georgia

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 $239 in December compared to $234 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Garden City rose to $76 in December, compared to $72 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Garden City?

The car insurance in Garden City is $39 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 $68 per month for full coverage.

How much is car insurance in Garden City for teenagers?

Car insurance for teenagers costs $334 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 $1026 for a six-month policy. It will cost around $182 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.

Cheapest Car Insurance Quotes in Garden City

Why you can trust Way?

How Much Is Car Insurance in Garden City

Avg. Car Insurance in Garden City

Avg. Car Insurance in Georgia

National Average

Cheapest Car Insurance Companies in Garden City

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Garden City Car Insurance Rates by Company

Cheap Car Insurance Companies in Garden City, GA

Way's key takeaways about car insurance in Garden City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Garden City

Cheapest Liability Coverage in Garden City, GA

Cheapest Full Coverage Car Insurance in Garden City

Cheapest Full Coverage Car Insurance Quotes in Garden City, GA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Garden City by Rating Factor

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

Car Insurance Premiums by Age in Garden City

Cheapest Car Insurance Companies Based on Age Group

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

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

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Garden City

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

Garden City Car Insurance Rates by Violation

Garden City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Garden City after a DUI

Garden City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Garden City after Speeding ticket

Car Insurance Price Trends in Garden City, Georgia

Average Car Insurance Cost in Garden City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Garden City, GA

Car Insurance Rates by State in the USA (2025 Update)

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