Cheapest Car Insurance Quotes in Garfield

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Garfield Car Insurance

^$ 29

/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 Garfield

The car insurance rate in Garfield is $1095 for a six-month policy, which is $42 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $458, making it a popular choice for budget-conscious drivers. Rates in Garfield 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 Garfield

$1095

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Garfield

1st place: American Family

At $458 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 $482 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $766 for six months, making it the third cheapest auto insurance company in Garfield.

Garfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Garfield, KS is American Family, offering policies at just $458 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $482.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1996 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Garfield drivers find the best deals.

Cheap Car Insurance Companies in Garfield, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$458	$76
Auto-Owners Insurance Co	$482	$82
USAA	$766	$129
Travelers	$784	$132
Shelter	$958	$161
Auto-Owners	$1019	$174
State Farm	$1130	$190
Nationwide	$1180	$199
Farmers	$1236	$208
Progressive	$1260	$212
Encompass	$1309	$218
Allstate	$1662	$280
Farm Bureau	$1996	$333

Key Takeaways

Way's key takeaways about car insurance in Garfield

The auto insurance costs in Garfield fall around $458 for six months.
The cheapest auto insurance company in Garfield is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Garfield at $1168 per month.

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Cheapest Minimum Liability Car Insurance in Garfield

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 Garfield are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Garfield. Their Average 6 Month Premium is $173. Encompass is the most expensive at $248 for the same period.

Cheapest Liability Coverage in Garfield, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$173	$29
USAA	$173	$29
Iowa Farm Bureau	$216	$36
Farmers Union Insurance	$229	$38
American Family	$241	$41
Travelers	$241	$41
Auto-Owners	$248	$42
Electric	$248	$42
Kansas Farm Bureau	$259	$44
State Farm	$290	$49
Progressive	$328	$55
Shelter	$334	$56
Farm Bureau	$420	$72
Farmers	$464	$78
Allstate	$605	$102
Nationwide	$735	$123
Encompass	$248	$42

Cheapest Full Coverage Car Insurance in Garfield

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 Garfield is American Family at $76 per month and $458 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garfield, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$458	$76
Auto-Owners Insurance Co	$482	$82
USAA	$766	$129
Travelers	$784	$132
Shelter	$958	$161
Auto-Owners	$1019	$174
State Farm	$1130	$190
Nationwide	$1180	$199
Farmers	$1236	$208
Progressive	$1260	$212
Encompass	$1309	$218
Allstate	$1662	$280
Farm Bureau	$1996	$333

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Average Car Insurance in Garfield 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 Garfield, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in Garfield, 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, Garfield's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Garfield

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	$780
30s	Nationwide	$670
40s	Nationwide	$543
50s	Nationwide	$497
60s	Nationwide	$474
70s	Nationwide	$514

Cheapest Car Insurance Rates for Teen Drivers in Garfield,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 Garfield at $38 per month. At $7005 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	$229	$38
Iowa Farm Bureau	$254	$43
Farmers Union Insurance	$265	$45
American Family	$290	$49
Kansas Farm Bureau	$340	$58
Travelers	$883	$149
USAA	$1501	$253
State Farm	$2452	$413
Shelter	$2730	$460
Progressive	$2830	$476
Farmers	$2978	$501
Farm Bureau	$4238	$706
Allstate	$4955	$834
Nationwide	$7005	$1168

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 Garfield.

As young drivers face the highest rates in Garfield, Nationwide offers the cheapest auto insurance rates at $780 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 Garfield, American Family is the cheapest car insurance provider. At $408 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 Garfield is State Farm, offering rates of around $6338 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$408	$70
Iowa Farm Bureau	$414	$69
Farmers Union Insurance	$420	$72
Travelers	$977	$164
USAA	$1118	$190
Shelter	$1353	$228
Progressive	$1384	$233
Nationwide	$1551	$261
Farmers	$1649	$278
Allstate	$2879	$479
Farm Bureau	$3663	$623
State Farm	$6338	$1057

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Car Insurance Rates with An Accident in Garfield

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

Cheapest Car Insurance Companies after an At-Fault Accident in Garfield

The cheapest car insurance companies after an at-fault accident in Garfield include AutoOwners Insurance Co and American Family, offering $210 and $241, respectively. Encompass is an expensive provider with an average six-month premium of $340.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$210	$35
American Family	$241	$41
Electric	$296	$50
Iowa Farm Bureau	$334	$57
Farmers Union Insurance	$353	$58
Auto-Owners	$370	$63
Kansas Farm Bureau	$469	$78
USAA	$636	$107
Travelers	$643	$108
State Farm	$748	$126
Shelter	$1057	$178
Progressive	$1353	$228
Farmers	$2248	$379
Allstate	$2502	$421
Farm Bureau	$2687	$448
Nationwide	$3435	$584
Encompass	$340	$58

Garfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garfield KS. For example, the car insurance in Garfield after a DUI increases to $1056 for a six month policy. While the rate increases by $235 for a six-month policy in the case of a speeding ticket.

Garfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1211	$202
One Med/PIP claim	$1211	$206
Not-at-fault accident	$1242	$207
Two Med/PIP claims	$1297	$220
One comp claim	$1303	$217
Failure to show documents	$1341	$228
Two comp claims	$1353	$226
Failure to wear a seat belt	$1366	$232
Child safety restraint	$1402	$234
Driving with expired registration	$1402	$238
Driving without lights	$1402	$234
Speeding 6 - 10 MPH over limit	$1446	$245
Cell phone violation	$1464	$244
Driving too slowly	$1464	$249
Texting while driving	$1464	$244
Failure to yield	$1477	$251
Following too closely	$1477	$246
Illegal turn	$1477	$251
Wrong way/wrong lane	$1477	$246
In 65 MPH zone	$1483	$252
Speeding 11 - 15 MPH over limit	$1483	$248
Failure to stop at a red light	$1489	$253
Improper passing	$1489	$249
Speeding in school zone	$1489	$253
Speeding 16 - 20 MPH over limit	$1494	$250
Open container	$1507	$256
Operating a vehicle without permission	$1519	$254
Passing school bus	$1532	$260
Speeding 21 - 25 MPH over limit	$1532	$256
At-fault accident - less than $1000	$1551	$264
At-fault accident - $1000-$2000	$1711	$285
At-fault accident - greater than $2000	$1711	$291
Racing	$1891	$315
Reckless driving	$2051	$348
Driving with a suspended license	$2224	$370
Refusal to submit to a chemical test	$2248	$383
DUI	$2267	$378
Leaving scene of an accident/hit and run	$2360	$401

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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 Garfield 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 Garfield.

The cheapest car insurance premiums in Garfield are offered by American Family at $278 for a six-month policy. However, it can be as expensive as $4720 with companies like Farm Bureau.

Garfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$278	$47
Farmers Union Insurance	$408	$70
Travelers	$673	$113
Progressive	$865	$146
State Farm	$1099	$185
USAA	$1155	$194
Farmers	$1483	$250
Shelter	$1538	$259
Allstate	$2076	$349
Nationwide	$4688	$798
Farm Bureau	$4720	$786

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 Garfield are offered by Iowa Farm Bureau at $271. However, it can be as expensive as $2817 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Garfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$271	$46
American Family	$278	$47
Auto-Owners Insurance Co	$284	$48
Farmers Union Insurance	$303	$51
State Farm	$735	$124
Travelers	$748	$126
USAA	$760	$127
Progressive	$1032	$174
Farmers	$1390	$234
Shelter	$1427	$242
Allstate	$2082	$347
Farm Bureau	$2502	$425
Nationwide	$2817	$469

Car Insurance Price Trends in Garfield, Kansas

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

The average cost of full coverage in the Garfield rose by $227 in January compared to $192 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the Garfield rose to $52 in January, compared to $48 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Garfield?

The car insurance in Garfield is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Garfield?

The cheapest car insurance in Garfield is $76 per month for full coverage.

How much is car insurance in Garfield for teenagers?

Car insurance for teenagers costs $229 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 Garfield?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $184 per month to insure your car in Garfield.

Is car insurance expensive in Garfield?

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

Cheapest Car Insurance Quotes in Garfield

Why you can trust Way?

How Much Is Car Insurance in Garfield

Avg. Car Insurance in Garfield

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Garfield

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Garfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Garfield, KS

Way's key takeaways about car insurance in Garfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Garfield

Cheapest Liability Coverage in Garfield, KS

Cheapest Full Coverage Car Insurance in Garfield

Cheapest Full Coverage Car Insurance Quotes in Garfield, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Garfield by Rating Factor

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

Car Insurance Premiums by Age in Garfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Garfield,KS

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

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 Garfield

Cheapest Car Insurance Companies after an At-Fault Accident in Garfield

Garfield Car Insurance Rates by Violation

Garfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Garfield after a DUI

Garfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Garfield after Speeding ticket

Car Insurance Price Trends in Garfield, Kansas

Average Car Insurance Cost in Garfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Garfield, KS

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

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