Cheapest Car Insurance Quotes in Garden City

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Garden City Car Insurance

^$ 18

/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 $491 for a six-month policy, which is $37 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $282, 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

$491

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Garden City

1st place: American National P&C

At $282 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $304 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Idaho Farm Bureau

Idaho Farm Bureau offers auto insurance rates at $331 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, ID is American National P&C, offering policies at just $282 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $304.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $945 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, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$282	$48
Auto-Owners Insurance Co	$304	$50
Idaho Farm Bureau	$331	$57
USAA	$370	$62
Travelers	$387	$66
State Farm	$415	$70
American Family	$447	$75
American National	$492	$82
Mutual of Enumclaw	$503	$86
Farmers	$552	$93
Auto-Owners	$618	$105
Nationwide	$740	$124
Allstate	$945	$161

Key Takeaways

Way's key takeaways about car insurance in Garden City

The auto insurance costs in Garden City fall around $282 for six months.
The cheapest auto insurance company in Garden City is USAA.
Teen drivers pay the highest rate in Garden City at $489 per month.

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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.

USAA provides the cheapest minimum car insurance coverage in Garden City. Their Average 6 Month Premium is $105. Nationwide is the most expensive at $331 for the same period.

Cheapest Liability Coverage in Garden City, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$105	$18
American National	$116	$20
American National P&C	$116	$20
Idaho Farm Bureau	$133	$22
State Farm	$133	$22
Auto-Owners Insurance Co	$139	$23
Mutual of Enumclaw	$166	$28
Auto-Owners	$188	$32
American Family	$193	$33
Farm Bureau	$193	$33
Travelers	$216	$36
Farmers	$227	$38
Allstate	$331	$56
Nationwide	$331	$57

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 American National P&C at $48 per month and $282 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garden City, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$282	$48
Auto-Owners Insurance Co	$304	$50
Idaho Farm Bureau	$331	$57
USAA	$370	$62
Travelers	$387	$66
State Farm	$415	$70
American Family	$447	$75
American National	$492	$82
Mutual of Enumclaw	$503	$86
Farmers	$552	$93
Auto-Owners	$618	$105
Nationwide	$740	$124
Allstate	$945	$161

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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, ID increasing?

Despite maintaining a clean driving record, your car insurance rates in Garden City, Idaho, may be increasing due to several external factors. Idaho 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

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

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Garden City at $23 per month. At $2905 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$139	$23
Auto-Owners Insurance Co	$188	$32
Idaho Farm Bureau	$199	$33
Travelers	$989	$166
State Farm	$1110	$187
Farm Bureau	$1248	$208
USAA	$1469	$247
Auto-Owners	$1586	$264
American Family	$1768	$298
Nationwide	$2116	$352
Farmers	$2370	$399
Allstate	$2905	$489

Teen Car Insurance Rates in ID 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 Garden City, Idaho Farm Bureau is the cheapest car insurance provider. At $205 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 Allstate, offering rates of around $1348 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$205	$34
State Farm	$464	$78
American Family	$602	$101
Travelers	$624	$105
USAA	$763	$127
Farm Bureau	$862	$147
Farmers	$895	$151
Auto-Owners	$934	$159
Allstate	$1348	$225

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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, ID, 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 American National and AutoOwners Insurance Co, offering $149 and $160, respectively. Allstate is an expensive provider with an average six-month premium of $1442.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$149	$25
Auto-Owners Insurance Co	$160	$27
American National P&C	$171	$29
Idaho Farm Bureau	$171	$29
State Farm	$359	$60
USAA	$381	$64
Auto-Owners	$580	$98
Farm Bureau	$746	$126
American Family	$763	$128
Travelers	$851	$145
Nationwide	$1099	$183
Farmers	$1204	$203
Allstate	$1442	$243

Garden City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garden City ID. For example, the car insurance in Garden City after a DUI increases to $459 for a six month policy. While the rate increases by $138 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	$674	$113
One Med/PIP claim	$680	$115
Not-at-fault accident	$696	$116
One comp claim	$718	$122
Failure to wear a seat belt	$729	$122
Two Med/PIP claims	$729	$124
Child safety restraint	$779	$130
Driving without lights	$779	$132
Two comp claims	$784	$131
Failure to show documents	$790	$134
Cell phone violation	$806	$135
Driving with expired registration	$806	$137
Following too closely	$806	$135
Illegal turn	$806	$137
Texting while driving	$806	$135
Wrong way/wrong lane	$806	$137
Driving too slowly	$812	$136
Failure to yield	$812	$138
Speeding 11 - 15 MPH over limit	$812	$136
Speeding 6 - 10 MPH over limit	$812	$138
Failure to stop at a red light	$817	$137
Improper passing	$823	$140
Speeding 16 - 20 MPH over limit	$823	$138
In 65 MPH zone	$829	$141
Speeding in school zone	$829	$139
Speeding 21 - 25 MPH over limit	$840	$143
Open container	$895	$149
At-fault accident - less than $1000	$900	$153
Passing school bus	$923	$153
Operating a vehicle without permission	$934	$159
At-fault accident - $1000-$2000	$989	$165
At-fault accident - greater than $2000	$989	$168
Driving with a suspended license	$1083	$180
Reckless driving	$1088	$185
Refusal to submit to a chemical test	$1099	$183
DUI	$1133	$193
Racing	$1133	$189
Leaving scene of an accident/hit and run	$1160	$197

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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 American National P&C at $193 for a six-month policy. However, it can be as expensive as $1420 with companies like Nationwide.

Garden City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$193	$33
Idaho Farm Bureau	$287	$47
Travelers	$591	$100
State Farm	$646	$109
American Family	$729	$123
USAA	$740	$125
Farmers	$845	$142
Allstate	$1199	$202
Farm Bureau	$1254	$213
Auto-Owners	$1364	$228
Nationwide	$1420	$242

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 $139. However, it can be as expensive as $1071 with companies like Allstate 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	$139	$23
Idaho Farm Bureau	$139	$23
American National P&C	$143	$24
State Farm	$221	$37
USAA	$431	$72
American Family	$453	$76
Farm Bureau	$569	$95
Auto-Owners	$607	$103
Travelers	$768	$128
Farmers	$774	$130
Allstate	$1071	$179

Car Insurance Price Trends in Garden City, Idaho

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 $124 in December compared to $123 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Garden City remained steady at $31 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Garden City?

The car insurance in Garden City is $18 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 $48 per month for full coverage.

How much is car insurance in Garden City for teenagers?

Car insurance for teenagers costs $139 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 $528 for a six-month policy. It will cost around $83 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, ID?

The best car insurance company in Garden City ID is American National P&C, offering $282 for a six-month policy.