Cheapest Car Insurance Quotes in Garden City

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Garden City Car Insurance

^$ 72

/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 $1899 for a six-month policy, which is $741 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $905, 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

$1899

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Garden City

1st place: Kemper

At $905 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $1199 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1276 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, NY is Kemper, offering policies at just $905 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1199.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2913 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, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$905	$154
New York Central Mutual Fire	$1199	$200
Progressive	$1276	$215
American Family	$1402	$236
NYCM	$1696	$285
USAA	$1879	$317
Erie	$1919	$323
Nationwide	$2094	$349
Travelers	$2134	$359
State Farm	$2542	$428
Allstate	$2844	$479
Chubb	$2913	$485

Key Takeaways

Way's key takeaways about car insurance in Garden City

The auto insurance costs in Garden City fall around $905 for six months.
The cheapest auto insurance company in Garden City is New York Central Mutual Fire.
Teen drivers pay the highest rate in Garden City at $1465 per month.

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Save up to $971/yr with our auto insurance quotes

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.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Garden City. Their Average 6 Month Premium is $428. Preferred Mutual is the most expensive at $1130 for the same period.

Cheapest Liability Coverage in Garden City, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$428	$72
NYCM	$507	$84
Kemper	$526	$90
American Family	$633	$107
Progressive	$653	$110
USAA	$838	$141
Erie	$1033	$175
Travelers	$1110	$185
Allstate	$1189	$202
State Farm	$1266	$212
Nationwide	$818	$136
Utica National	$935	$159
Preferred Mutual	$1130	$189

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 Kemper at $154 per month and $905 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garden City, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$905	$154
New York Central Mutual Fire	$1199	$200
Progressive	$1276	$215
American Family	$1402	$236
NYCM	$1696	$285
USAA	$1879	$317
Erie	$1919	$323
Nationwide	$2094	$349
Travelers	$2134	$359
State Farm	$2542	$428
Allstate	$2844	$479
Chubb	$2913	$485

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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, NY increasing?

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Garden City at $105 per month. At $8699 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$613	$105
American Family	$740	$125
NYCM	$1637	$276
Progressive	$2017	$339
New York Central Mutual Fire	$2134	$362
Erie	$4102	$684
USAA	$4510	$759
Travelers	$5932	$999
Nationwide	$6176	$1050
Chubb	$6468	$1077
Allstate	$7442	$1253
State Farm	$8699	$1465

Teen Car Insurance Rates in NY 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, Kemper is the cheapest car insurance provider. At $1374 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 Progressive, offering rates of around $8231 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1374	$230
Nationwide	$2094	$356
Chubb	$2485	$418
USAA	$3019	$513
Erie	$3214	$541
American Family	$3264	$554
NYCM	$3654	$608
Allstate	$3984	$671
Mercury	$4062	$677
State Farm	$4198	$707
Travelers	$4861	$818
Progressive	$8231	$1386

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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, NY, 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 Kemper and American Family, offering $759 and $779, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $945.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$759	$126
American Family	$779	$131
Progressive	$1199	$202
NYCM	$1219	$205
New York Central Mutual Fire	$1442	$241
USAA	$1637	$276
Erie	$2094	$353
Chubb	$2376	$400
Allstate	$2562	$431
Travelers	$2640	$444
Nationwide	$2767	$461
State Farm	$3234	$544
Utica National	$935	$159
Preferred Mutual	$945	$157

Garden City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garden City NY. For example, the car insurance in Garden City after a DUI increases to $1169 for a six month policy. While the rate increases by $185 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	$2055	$343
One Med/PIP claim	$2055	$349
One comp claim	$2075	$346
Two comp claims	$2094	$356
Two Med/PIP claims	$2094	$349
Not-at-fault accident	$2104	$358
Failure to show documents	$2134	$356
Failure to wear a seat belt	$2143	$364
Driving with expired registration	$2163	$361
At-fault accident - less than $1000	$2173	$369
Cell phone violation	$2173	$362
Child safety restraint	$2173	$369
Driving without lights	$2173	$362
Failure to stop at a red light	$2173	$369
Failure to yield	$2173	$362
Following too closely	$2173	$369
Illegal turn	$2173	$362
Improper passing	$2173	$369
Passing school bus	$2173	$362
Texting while driving	$2173	$369
Wrong way/wrong lane	$2173	$362
Driving too slowly	$2193	$372
Speeding in school zone	$2193	$366
At-fault accident - $1000-$2000	$2201	$374
Speeding 11 - 15 MPH over limit	$2240	$374
Speeding 6 - 10 MPH over limit	$2240	$380
Operating a vehicle without permission	$2280	$380
Open container	$2309	$392
In 65 MPH zone	$2406	$402
Speeding 16 - 20 MPH over limit	$2435	$415
Speeding 21 - 25 MPH over limit	$2522	$420
At-fault accident - greater than $2000	$2717	$462
Reckless driving	$2903	$484
Racing	$3019	$513
Driving with a suspended license	$3127	$522
Refusal to submit to a chemical test	$3195	$543
DUI	$3224	$538
Leaving scene of an accident/hit and run	$3273	$556

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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 Family at $740 for a six-month policy. However, it can be as expensive as $3654 with companies like Chubb.

Garden City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$740	$125
Kemper	$779	$133
Progressive	$1004	$169
NYCM	$1520	$256
New York Central Mutual Fire	$1753	$292
USAA	$1998	$336
Travelers	$2611	$440
Allstate	$3088	$520
Erie	$3185	$531
Nationwide	$3459	$589
State Farm	$3634	$612
Chubb	$3654	$622

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 American Family at $653. However, it can be as expensive as $4159 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
American Family	$653	$108
Kemper	$653	$112
Progressive	$945	$159
NYCM	$1530	$261
USAA	$1773	$295
Erie	$2075	$353
Nationwide	$2094	$349
Travelers	$2416	$410
State Farm	$2922	$487
Chubb	$3459	$589
Allstate	$4159	$694

Car Insurance Price Trends in Garden City, New York

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 $451 in January compared to $405 of December. In other words, there has been an increase by $46 when you compare January and December.

The average cost of liability insurance in the Garden City dipped to $131 in January, compared to $139 in December. This represents an decrease of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Garden City?

The car insurance in Garden City is $72 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 $154 per month for full coverage.

How much is car insurance in Garden City for teenagers?

Car insurance for teenagers costs $613 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 $1158 for a six-month policy. It will cost around $318 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 New York

National Average

Cheapest Car Insurance Companies in Garden City

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Garden City Car Insurance Rates by Company

Cheap Car Insurance Companies in Garden City, NY

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, NY

Cheapest Full Coverage Car Insurance in Garden City

Cheapest Full Coverage Car Insurance Quotes in Garden City, NY

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, NY 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,NY

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, New York

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, NY

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

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