Cheapest Car Insurance Quotes in Garden Plain

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Garden Plain Car Insurance

^$ 28

/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 Plain

The car insurance rate in Garden Plain is $1064 for a six-month policy, which is $11 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $444, making it a popular choice for budget-conscious drivers. Rates in Garden Plain 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 Plain

$1064

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Garden Plain

1st place: American Family

At $444 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $468 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $744 for six months, making it the third cheapest auto insurance company in Garden Plain.

Garden Plain Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Garden Plain, KS is American Family, offering policies at just $444 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $468.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1938 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Garden Plain drivers find the best deals.

Cheap Car Insurance Companies in Garden Plain, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$444	$74
Auto-Owners Insurance Co	$468	$80
USAA	$744	$125
Travelers	$762	$128
Shelter	$930	$157
Auto-Owners	$990	$169
State Farm	$1098	$185
Nationwide	$1146	$193
Farmers	$1200	$202
Progressive	$1224	$206
Encompass	$1272	$212
Allstate	$1614	$272
Farm Bureau	$1938	$323

Key Takeaways

Way's key takeaways about car insurance in Garden Plain

The auto insurance costs in Garden Plain fall around $444 for six months.
The cheapest auto insurance company in Garden Plain is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Garden Plain at $1134 per month.

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Cheapest Minimum Liability Car Insurance in Garden Plain

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 Plain are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Garden Plain. Their Average 6 Month Premium is $168. Encompass is the most expensive at $240 for the same period.

Cheapest Liability Coverage in Garden Plain, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$168	$28
USAA	$168	$28
Iowa Farm Bureau	$210	$35
Farmers Union Insurance	$222	$37
American Family	$234	$39
Travelers	$234	$39
Auto-Owners	$240	$40
Electric	$240	$40
Kansas Farm Bureau	$251	$42
State Farm	$282	$47
Progressive	$318	$54
Shelter	$324	$55
Farm Bureau	$408	$70
Farmers	$450	$76
Allstate	$588	$99
Nationwide	$714	$119
Encompass	$240	$40

Cheapest Full Coverage Car Insurance in Garden Plain

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 Plain is American Family at $74 per month and $444 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garden Plain, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$444	$74
Auto-Owners Insurance Co	$468	$80
USAA	$744	$125
Travelers	$762	$128
Shelter	$930	$157
Auto-Owners	$990	$169
State Farm	$1098	$185
Nationwide	$1146	$193
Farmers	$1200	$202
Progressive	$1224	$206
Encompass	$1272	$212
Allstate	$1614	$272
Farm Bureau	$1938	$323

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Average Car Insurance in Garden Plain 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 Plain, KS increasing?

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

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	Nationwide	$758
30s	Nationwide	$650
40s	Nationwide	$527
50s	Nationwide	$483
60s	Nationwide	$461
70s	Nationwide	$499

Cheapest Car Insurance Rates for Teen Drivers in Garden Plain,KS

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 Plain at $37 per month. At $6803 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$222	$37
Iowa Farm Bureau	$246	$41
Farmers Union Insurance	$258	$43
American Family	$282	$47
Kansas Farm Bureau	$330	$57
Travelers	$857	$144
USAA	$1457	$245
State Farm	$2382	$401
Shelter	$2651	$446
Progressive	$2748	$463
Farmers	$2892	$487
Farm Bureau	$4116	$686
Allstate	$4812	$810
Nationwide	$6803	$1134

Teen Car Insurance Rates in KS by Age

Way Tip

If you are in your twenties Nationwide is the best choice for car insurance in Garden Plain.

As young drivers face the highest rates in Garden Plain, Nationwide offers the cheapest auto insurance rates at $758 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 Plain, American Family is the cheapest car insurance provider. At $396 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 Plain is State Farm, offering rates of around $6155 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$396	$68
Iowa Farm Bureau	$402	$67
Farmers Union Insurance	$408	$70
Travelers	$948	$160
USAA	$1086	$185
Shelter	$1314	$221
Progressive	$1344	$226
Nationwide	$1506	$254
Farmers	$1602	$270
Allstate	$2796	$466
Farm Bureau	$3557	$605
State Farm	$6155	$1026

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

Car Insurance Rates with An Accident in Garden Plain

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 Plain, KS, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Garden Plain include AutoOwners Insurance Co and American Family, offering $204 and $234, respectively. Encompass is an expensive provider with an average six-month premium of $330.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$204	$34
American Family	$234	$39
Electric	$288	$48
Iowa Farm Bureau	$324	$56
Farmers Union Insurance	$342	$57
Auto-Owners	$360	$62
Kansas Farm Bureau	$456	$76
USAA	$618	$104
Travelers	$624	$105
State Farm	$726	$122
Shelter	$1026	$173
Progressive	$1314	$221
Farmers	$2184	$368
Allstate	$2430	$409
Farm Bureau	$2610	$435
Nationwide	$3336	$568
Encompass	$330	$57

Garden Plain Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garden Plain KS. For example, the car insurance in Garden Plain after a DUI increases to $1026 for a six month policy. While the rate increases by $228 for a six-month policy in the case of a speeding ticket.

Garden Plain auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1176	$196
One Med/PIP claim	$1176	$200
Not-at-fault accident	$1206	$201
Two Med/PIP claims	$1259	$214
One comp claim	$1266	$211
Failure to show documents	$1302	$221
Two comp claims	$1314	$219
Failure to wear a seat belt	$1326	$225
Child safety restraint	$1361	$227
Driving with expired registration	$1361	$231
Driving without lights	$1361	$227
Speeding 6 - 10 MPH over limit	$1404	$238
Cell phone violation	$1422	$237
Driving too slowly	$1422	$241
Texting while driving	$1422	$237
Failure to yield	$1434	$243
Following too closely	$1434	$239
Illegal turn	$1434	$243
Wrong way/wrong lane	$1434	$239
In 65 MPH zone	$1440	$244
Speeding 11 - 15 MPH over limit	$1440	$240
Failure to stop at a red light	$1446	$245
Improper passing	$1446	$241
Speeding in school zone	$1446	$245
Speeding 16 - 20 MPH over limit	$1451	$242
Open container	$1463	$248
Operating a vehicle without permission	$1476	$246
Passing school bus	$1488	$253
Speeding 21 - 25 MPH over limit	$1488	$248
At-fault accident - less than $1000	$1506	$257
At-fault accident - $1000-$2000	$1661	$277
At-fault accident - greater than $2000	$1661	$283
Racing	$1836	$306
Reckless driving	$1992	$338
Driving with a suspended license	$2159	$360
Refusal to submit to a chemical test	$2184	$372
DUI	$2202	$367
Leaving scene of an accident/hit and run	$2292	$390

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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 Plain 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 Plain.

The cheapest car insurance premiums in Garden Plain are offered by American Family at $270 for a six-month policy. However, it can be as expensive as $4583 with companies like Farm Bureau.

Garden Plain car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$270	$45
Farmers Union Insurance	$396	$68
Travelers	$653	$110
Progressive	$840	$141
State Farm	$1068	$180
USAA	$1122	$189
Farmers	$1440	$242
Shelter	$1494	$251
Allstate	$2016	$339
Nationwide	$4553	$775
Farm Bureau	$4583	$764

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 Plain are offered by Iowa Farm Bureau at $264. However, it can be as expensive as $2736 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Garden Plain after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$264	$44
American Family	$270	$45
Auto-Owners Insurance Co	$276	$46
Farmers Union Insurance	$294	$49
State Farm	$714	$120
Travelers	$726	$122
USAA	$738	$123
Progressive	$1002	$169
Farmers	$1350	$227
Shelter	$1386	$235
Allstate	$2022	$337
Farm Bureau	$2430	$413
Nationwide	$2736	$456

Car Insurance Price Trends in Garden Plain, Kansas

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

The average cost of full coverage in the Garden Plain rose by $220 in January compared to $187 of December. In other words, there has been an increase by $33 when you compare January and December.

The average cost of liability insurance in the Garden Plain rose to $51 in January, compared to $46 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Garden Plain?

The car insurance in Garden Plain is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Garden Plain?

The cheapest car insurance in Garden Plain is $74 per month for full coverage.

How much is car insurance in Garden Plain for teenagers?

Car insurance for teenagers costs $222 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 Plain?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $179 per month to insure your car in Garden Plain.

Is car insurance expensive in Garden Plain?

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

Cheapest Car Insurance Quotes in Garden Plain

Why you can trust Way?

How Much Is Car Insurance in Garden Plain

Avg. Car Insurance in Garden Plain

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Garden Plain

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Garden Plain Car Insurance Rates by Company

Cheap Car Insurance Companies in Garden Plain, KS

Way's key takeaways about car insurance in Garden Plain

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Garden Plain

Cheapest Liability Coverage in Garden Plain, KS

Cheapest Full Coverage Car Insurance in Garden Plain

Cheapest Full Coverage Car Insurance Quotes in Garden Plain, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Garden Plain by Rating Factor

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

Car Insurance Premiums by Age in Garden Plain

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Garden Plain,KS

If you are in your twenties Nationwide is the best choice for car insurance in Garden Plain.

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 Plain

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

Garden Plain Car Insurance Rates by Violation

Garden Plain auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Garden Plain after a DUI

Garden Plain car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Garden Plain after Speeding ticket

Car Insurance Price Trends in Garden Plain, Kansas

Average Car Insurance Cost in Garden Plain by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Garden Plain, KS

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

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