Cheapest Car Insurance Quotes in Garden Plain

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Garden Plain Car Insurance

^$ 27

/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 $974 for a six-month policy, which is $10 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $468, 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

$974

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Garden Plain

1st place: AutoOwners Insurance Co

At $468 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $690 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $732 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 AutoOwners Insurance Co, offering policies at just $468 for a six-month term. This is followed by Travelers, which has an average six-month premium of $690.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1553 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
Auto-Owners Insurance Co	$468	$78
Travelers	$690	$116
American Family	$732	$123
USAA	$732	$123
Nationwide	$798	$134
Shelter	$864	$145
Auto-Owners	$990	$165
State Farm	$1002	$169
Progressive	$1098	$185
Farmers	$1128	$190
Encompass	$1272	$212
Farm Bureau	$1338	$227
Allstate	$1553	$262

Key Takeaways

Way's key takeaways about car insurance in Garden Plain

The auto insurance costs in Garden Plain fall around $468 for six months.
The cheapest auto insurance company in Garden Plain is USAA.
Teen drivers pay the highest rate in Garden Plain at $777 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.

USAA provides the cheapest minimum car insurance coverage in Garden Plain. Their Average 6 Month Premium is $162. 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
USAA	$162	$27
Auto-Owners Insurance Co	$168	$28
Iowa Farm Bureau	$210	$35
Farmers Union Insurance	$222	$37
Travelers	$228	$38
Auto-Owners	$240	$40
Electric	$240	$40
Kansas Farm Bureau	$251	$42
Progressive	$258	$43
American Family	$264	$44
State Farm	$264	$44
Farm Bureau	$270	$45
Shelter	$306	$52
Farmers	$438	$74
Allstate	$582	$98
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 AutoOwners Insurance Co at $78 per month and $468 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garden Plain, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$468	$78
Travelers	$690	$116
American Family	$732	$123
USAA	$732	$123
Nationwide	$798	$134
Shelter	$864	$145
Auto-Owners	$990	$165
State Farm	$1002	$169
Progressive	$1098	$185
Farmers	$1128	$190
Encompass	$1272	$212
Farm Bureau	$1338	$227
Allstate	$1553	$262

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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	$772
30s	Nationwide	$664
40s	Nationwide	$537
50s	Nationwide	$492
60s	Nationwide	$469
70s	Nationwide	$509

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 $4614 for a six-month premium, Allstate 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
Kansas Farm Bureau	$330	$55
Travelers	$714	$120
American Family	$1259	$212
USAA	$1494	$251
State Farm	$2106	$355
Shelter	$2346	$395
Progressive	$2363	$398
Farmers	$2724	$459
Farm Bureau	$3012	$502
Allstate	$4614	$777

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 $772 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, Iowa Farm Bureau is the cheapest car insurance provider. At $402 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 $4236 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$402	$69
Farmers Union Insurance	$408	$68
Nationwide	$438	$75
Travelers	$768	$129
USAA	$978	$167
Progressive	$1002	$169
Shelter	$1086	$183
American Family	$1110	$187
Farmers	$1440	$242
Farm Bureau	$2471	$412
Allstate	$2592	$440
State Farm	$4236	$706

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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 Electric, offering $204 and $288, 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
Electric	$288	$48
Iowa Farm Bureau	$324	$54
Farmers Union Insurance	$342	$59
Auto-Owners	$360	$60
Kansas Farm Bureau	$456	$78
Travelers	$516	$87
USAA	$594	$100
State Farm	$660	$111
American Family	$702	$118
Shelter	$924	$156
Progressive	$1164	$196
Farmers	$2022	$340
Farm Bureau	$2028	$344
Allstate	$2244	$378
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 Farmers Union Insurance at $396 for a six-month policy. However, it can be as expensive as $3179 with companies like Farm Bureau.

Garden Plain car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$396	$68
Travelers	$546	$92
American Family	$648	$109
Progressive	$732	$123
State Farm	$894	$150
USAA	$1151	$194
Shelter	$1320	$222
Farmers	$1344	$226
Allstate	$1932	$325
Farm Bureau	$3179	$530

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 $3432 with companies like Allstate 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
Auto-Owners Insurance Co	$276	$46
Farmers Union Insurance	$294	$49
Travelers	$582	$98
American Family	$630	$106
USAA	$636	$106
State Farm	$648	$109
Progressive	$870	$146
Farm Bureau	$1146	$195
Shelter	$1278	$213
Farmers	$1374	$231
Allstate	$3432	$572

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 $187 in December compared to $186 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 Plain rose to $46 in December, compared to $45 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Garden Plain?

The car insurance in Garden Plain is $27 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 $78 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 $964 for a six-month policy. It will cost around $164 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: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

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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