Cheapest Car Insurance Quotes in Garden City

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Garden City Car Insurance

^$ 16

/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 $657 for a six-month policy, which is $42 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $346, 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

$657

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Garden City

1st place: West Bend Mutual

At $346 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $391 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $414 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, IA is West Bend Mutual, offering policies at just $346 for a six-month term. This is followed by Grange, which has an average six-month premium of $391.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1290 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, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$346	$57
Grange	$391	$67
Travelers	$414	$70
Auto-Owners Insurance Co	$419	$71
Hastings Mutual	$430	$71
Westfield	$458	$78
IMT Insurance Company	$475	$79
State Farm	$564	$95
American Family	$581	$98
USAA	$619	$104
Pekin	$631	$105
Progressive	$636	$107
Auto-Owners	$771	$129
Farm Bureau Mutual (IA Group)	$776	$132
Farm Bureau	$871	$145
Nationwide	$1033	$176
Grinnell Mutual	$1128	$188
Allstate	$1290	$217

Key Takeaways

Way's key takeaways about car insurance in Garden City

The auto insurance costs in Garden City fall around $346 for six months.
The cheapest auto insurance company in Garden City is Pekin.
Teen drivers pay the highest rate in Garden City at $556 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.

Pekin provides the cheapest minimum car insurance coverage in Garden City. Their Average 6 Month Premium is $95. West Bend is the most expensive at $118 for the same period.

Cheapest Liability Coverage in Garden City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$95	$16
Westfield	$101	$17
Hastings Mutual	$106	$18
Progressive	$112	$19
West Bend Mutual	$112	$19
USAA	$118	$20
Grange	$123	$21
State Farm	$123	$21
Farm Bureau Mutual (IA Group)	$134	$23
Auto-Owners Insurance Co	$140	$24
Iowa Farm Bureau	$150	$25
Travelers	$156	$26
Farm Bureau	$162	$27
American Family	$167	$28
Auto-Owners	$179	$30
Grinnell Mutual	$251	$42
Allstate	$368	$62
Nationwide	$391	$67
West Bend	$118	$20

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 West Bend Mutual at $57 per month and $346 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garden City, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$346	$57
Grange	$391	$67
Travelers	$414	$70
Auto-Owners Insurance Co	$419	$71
Hastings Mutual	$430	$71
Westfield	$458	$78
IMT Insurance Company	$475	$79
State Farm	$564	$95
American Family	$581	$98
USAA	$619	$104
Pekin	$631	$105
Progressive	$636	$107
Auto-Owners	$771	$129
Farm Bureau Mutual (IA Group)	$776	$132
Farm Bureau	$871	$145
Nationwide	$1033	$176
Grinnell Mutual	$1128	$188
Allstate	$1290	$217

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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, IA increasing?

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Garden City at $21 per month. At $3267 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$123	$21
Grange	$140	$24
West Bend Mutual	$150	$25
Iowa Farm Bureau	$173	$29
Travelers	$587	$99
USAA	$731	$123
Progressive	$1100	$185
State Farm	$1251	$211
American Family	$1480	$249
Farm Bureau	$1904	$318
Farm Bureau Mutual (IA Group)	$2094	$356
Auto-Owners	$2133	$355
Grinnell Mutual	$2535	$431
Allstate	$2792	$470
Nationwide	$3267	$556

Teen Car Insurance Rates in IA 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, Grange is the cheapest car insurance provider. At $162 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 Grinnell Mutual, offering rates of around $1982 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$162	$27
Westfield	$196	$33
West Bend Mutual	$201	$34
Travelers	$218	$37
Progressive	$631	$106
American Family	$726	$122
State Farm	$1351	$227
Nationwide	$1474	$251
Farm Bureau	$1502	$250
Allstate	$1954	$333
Auto-Owners	$1971	$328
Grinnell Mutual	$1982	$337

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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, IA, 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 Hastings Mutual and Pekin, offering $106 and $129, respectively. Allstate is an expensive provider with an average six-month premium of $1770.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$106	$18
Pekin	$129	$22
Western National	$167	$28
Westfield	$167	$28
Grange	$190	$32
Auto-Owners Insurance Co	$196	$33
West Bend Mutual	$196	$33
State Farm	$408	$69
Travelers	$419	$71
Progressive	$592	$100
Grinnell Mutual	$670	$113
American Family	$771	$130
USAA	$860	$143
Auto-Owners	$1010	$172
Farm Bureau Mutual (IA Group)	$1145	$191
Farm Bureau	$1418	$242
Nationwide	$1641	$274
Allstate	$1770	$298

Garden City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garden City IA. For example, the car insurance in Garden City after a DUI increases to $669 for a six month policy. While the rate increases by $95 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	$788	$132
One Med/PIP claim	$798	$135
Not-at-fault accident	$821	$137
One comp claim	$843	$144
Two Med/PIP claims	$866	$144
Child safety restraint	$883	$150
Failure to show documents	$883	$147
Failure to wear a seat belt	$883	$150
Speeding 6 - 10 MPH over limit	$883	$147
Two comp claims	$883	$150
Driving without lights	$887	$148
Driving with expired registration	$910	$155
Failure to yield	$910	$151
Illegal turn	$910	$155
Failure to stop at a red light	$916	$152
Wrong way/wrong lane	$921	$157
Cell phone violation	$927	$154
Driving too slowly	$927	$158
Speeding 11 - 15 MPH over limit	$927	$154
Texting while driving	$927	$158
Speeding 16 - 20 MPH over limit	$932	$155
Speeding in school zone	$944	$161
Improper passing	$949	$158
Following too closely	$955	$163
At-fault accident - less than $1000	$972	$162
Passing school bus	$988	$168
Operating a vehicle without permission	$1039	$173
At-fault accident - $1000-$2000	$1056	$180
Speeding 21 - 25 MPH over limit	$1056	$176
At-fault accident - greater than $2000	$1061	$180
In 65 MPH zone	$1134	$189
Open container	$1195	$203
Racing	$1346	$225
Driving with a suspended license	$1373	$233
Reckless driving	$1407	$234
Refusal to submit to a chemical test	$1430	$243
DUI	$1457	$243
Leaving scene of an accident/hit and run	$1474	$251

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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 Western National at $167 for a six-month policy. However, it can be as expensive as $2184 with companies like Grinnell Mutual.

Garden City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$167	$28
Grange	$218	$37
Travelers	$218	$37
West Bend Mutual	$218	$37
Progressive	$419	$71
State Farm	$486	$82
American Family	$798	$134
Allstate	$1715	$291
Auto-Owners	$1825	$305
Farm Bureau	$1904	$323
Nationwide	$2044	$340
Grinnell Mutual	$2184	$371

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 Westfield at $123. However, it can be as expensive as $1430 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
Westfield	$123	$21
West Bend Mutual	$145	$24
Western National	$167	$28
Iowa Farm Bureau	$184	$31
Travelers	$184	$31
Grange	$190	$32
State Farm	$319	$54
Progressive	$469	$79
American Family	$564	$95
Farm Bureau	$1067	$178
Grinnell Mutual	$1128	$192
Nationwide	$1295	$216
Auto-Owners	$1340	$227
Allstate	$1430	$238

Car Insurance Price Trends in Garden City, Iowa

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 remained steady at $132 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Garden City remained steady at $27 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 $16 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 $57 per month for full coverage.

How much is car insurance in Garden City for teenagers?

Car insurance for teenagers costs $123 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 $699 for a six-month policy. It will cost around $110 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 Iowa

National Average

Cheapest Car Insurance Companies in Garden City

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Garden City Car Insurance Rates by Company

Cheap Car Insurance Companies in Garden City, IA

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, IA

Cheapest Full Coverage Car Insurance in Garden City

Cheapest Full Coverage Car Insurance Quotes in Garden City, IA

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, IA 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,IA

If you are in your twenties N/A 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, Iowa

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, IA

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

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