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 $1688 for a six-month policy, which is $659 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

$1688

Avg. Car Insurance in New York

$1029

National Average

$1140

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 $1209 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, Allstate is the most expensive, with rates reaching $2522 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	$1209	$203
American Family	$1402	$236
NYCM	$1471	$248
Erie	$1763	$294
Nationwide	$1773	$302
USAA	$1783	$300
State Farm	$2211	$372
Travelers	$2329	$392
Allstate	$2522	$425

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 $1286 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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	$448	$75
Kemper	$526	$87
Progressive	$623	$105
American Family	$633	$107
USAA	$769	$130
Nationwide	$818	$136
Erie	$1033	$175
State Farm	$1199	$202
Travelers	$1286	$216
Allstate	$1345	$226
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	$1209	$203
American Family	$1402	$236
NYCM	$1471	$248
Erie	$1763	$294
Nationwide	$1773	$302
USAA	$1783	$300
State Farm	$2211	$372
Travelers	$2329	$392
Allstate	$2522	$425

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$923
30s	National Grange Mutual	$658
40s	National Grange Mutual	$633
50s	National Grange Mutual	$643
60s	National Grange Mutual	$692
70s	National Grange Mutual	$950

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 $102 per month. At $7637 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	$102
American Family	$740	$125
NYCM	$1237	$208
Progressive	$1958	$330
New York Central Mutual Fire	$2134	$356
USAA	$3916	$659
Nationwide	$5115	$853
Travelers	$6332	$1066
Allstate	$6849	$1153
State Farm	$7637	$1286

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Garden City.

As young drivers face the highest rates in Garden City, National Grange Mutual offers the cheapest auto insurance rates at $923 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 City, Chubb is the cheapest car insurance provider. At $1315 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 $8485 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1315	$220
Kemper	$1374	$233
Nationwide	$1773	$295
USAA	$2455	$418
NYCM	$2562	$426
Erie	$2777	$472
American Family	$3264	$544
Allstate	$3341	$563
State Farm	$3459	$582
Mercury	$4062	$690
Travelers	$4149	$699
Progressive	$8485	$1428

Escape the Trap of Rising Insurance Costs.

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
NYCM	$945	$159
Erie	$1033	$175
Chubb	$1140	$190
Progressive	$1246	$210
New York Central Mutual Fire	$1442	$241
USAA	$1548	$261
Nationwide	$2329	$389
Allstate	$2348	$395
State Farm	$2836	$477
Travelers	$2883	$485
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 $3303 with companies like State Farm.

Garden City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$740	$125
Kemper	$779	$133
Progressive	$945	$159
NYCM	$1189	$200
New York Central Mutual Fire	$1753	$292
USAA	$1870	$315
Allstate	$2777	$467
Travelers	$2854	$481
Nationwide	$2893	$482
State Farm	$3303	$556

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 $3351 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	$112
Kemper	$653	$108
Progressive	$809	$136
NYCM	$1081	$180
USAA	$1471	$251
Nationwide	$2027	$338
State Farm	$2193	$372
Travelers	$3205	$535
Allstate	$3351	$569

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 dipped by $405 in December compared to $407 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the Garden City dipped to $139 in December, compared to $144 in November. This represents an decrease of $5 when comparing December and November.

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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 $1029 for a six-month policy. It will cost around $284 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 National Grange Mutual 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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