Cheapest Car Insurance Quotes in Garden City South

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Garden City South Car Insurance

^$ 76

/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 South

The car insurance rate in Garden City South is $1992 for a six-month policy, which is $834 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $949, making it a popular choice for budget-conscious drivers. Rates in Garden City South 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 South

$1992

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Garden City South

1st place: Kemper

At $949 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 $1257 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1338 for six months, making it the third cheapest auto insurance company in Garden City South.

Garden City South Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Garden City South, NY is Kemper, offering policies at just $949 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1257.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $3055 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Garden City South drivers find the best deals.

Cheap Car Insurance Companies in Garden City South, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$949	$162
New York Central Mutual Fire	$1257	$210
Progressive	$1338	$225
American Family	$1471	$248
NYCM	$1778	$299
USAA	$1971	$332
Erie	$2012	$339
Nationwide	$2196	$366
Travelers	$2238	$377
State Farm	$2666	$449
Allstate	$2982	$502
Chubb	$3055	$509

Key Takeaways

Way's key takeaways about car insurance in Garden City South

The auto insurance costs in Garden City South fall around $949 for six months.
The cheapest auto insurance company in Garden City South is New York Central Mutual Fire.
Teen drivers pay the highest rate in Garden City South at $1536 per month.

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

Cheapest Minimum Liability Car Insurance in Garden City South

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 South are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Garden City South. Their Average 6 Month Premium is $449. Preferred Mutual is the most expensive at $1185 for the same period.

Cheapest Liability Coverage in Garden City South, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$449	$76
NYCM	$531	$88
Kemper	$552	$95
American Family	$664	$112
Progressive	$685	$115
USAA	$879	$148
Erie	$1084	$184
Travelers	$1164	$194
Allstate	$1247	$212
State Farm	$1328	$222
Nationwide	$858	$143
Utica National	$980	$167
Preferred Mutual	$1185	$198

Cheapest Full Coverage Car Insurance in Garden City South

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 South is Kemper at $162 per month and $949 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garden City South, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$949	$162
New York Central Mutual Fire	$1257	$210
Progressive	$1338	$225
American Family	$1471	$248
NYCM	$1778	$299
USAA	$1971	$332
Erie	$2012	$339
Nationwide	$2196	$366
Travelers	$2238	$377
State Farm	$2666	$449
Allstate	$2982	$502
Chubb	$3055	$509

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Average Car Insurance in Garden City South 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 South, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Garden City South, 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 South'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 South

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 South,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 South at $110 per month. At $9123 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$643	$110
American Family	$776	$131
NYCM	$1717	$289
Progressive	$2116	$356
New York Central Mutual Fire	$2238	$380
Erie	$4302	$717
USAA	$4730	$796
Travelers	$6221	$1047
Nationwide	$6478	$1101
Chubb	$6784	$1130
Allstate	$7805	$1314
State Farm	$9123	$1536

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 South, Kemper is the cheapest car insurance provider. At $1441 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 South is Progressive, offering rates of around $8633 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1441	$241
Nationwide	$2196	$373
Chubb	$2606	$439
USAA	$3167	$538
Erie	$3371	$568
American Family	$3423	$581
NYCM	$3832	$638
Allstate	$4178	$703
Mercury	$4260	$710
State Farm	$4403	$741
Travelers	$5098	$858
Progressive	$8633	$1453

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

Car Insurance Rates with An Accident in Garden City South

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 South, NY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Garden City South include Kemper and American Family, offering $796 and $817, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $991.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$796	$132
American Family	$817	$138
Progressive	$1257	$212
NYCM	$1278	$215
New York Central Mutual Fire	$1512	$253
USAA	$1717	$289
Erie	$2196	$370
Chubb	$2492	$420
Allstate	$2687	$452
Travelers	$2769	$466
Nationwide	$2902	$483
State Farm	$3392	$571
Utica National	$980	$167
Preferred Mutual	$991	$165

Garden City South Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garden City South NY. For example, the car insurance in Garden City South after a DUI increases to $1227 for a six month policy. While the rate increases by $195 for a six-month policy in the case of a speeding ticket.

Garden City South auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2155	$359
One Med/PIP claim	$2155	$366
One comp claim	$2176	$363
Two comp claims	$2196	$373
Two Med/PIP claims	$2196	$366
Not-at-fault accident	$2207	$375
Failure to show documents	$2238	$373
Failure to wear a seat belt	$2248	$382
Driving with expired registration	$2269	$378
At-fault accident - less than $1000	$2279	$387
Cell phone violation	$2279	$380
Child safety restraint	$2279	$387
Driving without lights	$2279	$380
Failure to stop at a red light	$2279	$387
Failure to yield	$2279	$380
Following too closely	$2279	$387
Illegal turn	$2279	$380
Improper passing	$2279	$387
Passing school bus	$2279	$380
Texting while driving	$2279	$387
Wrong way/wrong lane	$2279	$380
Driving too slowly	$2300	$390
Speeding in school zone	$2300	$384
At-fault accident - $1000-$2000	$2308	$392
Speeding 11 - 15 MPH over limit	$2350	$392
Speeding 6 - 10 MPH over limit	$2350	$399
Operating a vehicle without permission	$2391	$399
Open container	$2422	$411
In 65 MPH zone	$2523	$421
Speeding 16 - 20 MPH over limit	$2554	$435
Speeding 21 - 25 MPH over limit	$2645	$440
At-fault accident - greater than $2000	$2850	$485
Reckless driving	$3044	$507
Racing	$3167	$538
Driving with a suspended license	$3280	$547
Refusal to submit to a chemical test	$3351	$569
DUI	$3382	$564
Leaving scene of an accident/hit and run	$3433	$583

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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 South 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 South.

The cheapest car insurance premiums in Garden City South are offered by American Family at $776 for a six-month policy. However, it can be as expensive as $3832 with companies like Chubb.

Garden City South car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$776	$131
Kemper	$817	$139
Progressive	$1053	$177
NYCM	$1594	$268
New York Central Mutual Fire	$1839	$306
USAA	$2095	$353
Travelers	$2738	$461
Allstate	$3239	$545
Erie	$3340	$557
Nationwide	$3627	$617
State Farm	$3812	$642
Chubb	$3832	$652

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 South are offered by American Family at $685. However, it can be as expensive as $4362 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Garden City South after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$685	$114
Kemper	$685	$117
Progressive	$991	$167
NYCM	$1605	$273
USAA	$1859	$310
Erie	$2176	$370
Nationwide	$2196	$366
Travelers	$2534	$430
State Farm	$3065	$511
Chubb	$3627	$617
Allstate	$4362	$728

Car Insurance Price Trends in Garden City South, New York

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

The average cost of full coverage in the Garden City South rose by $473 in January compared to $425 of December. In other words, there has been an increase by $48 when you compare January and December.

The average cost of liability insurance in the Garden City South dipped to $138 in January, compared to $146 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 South?

The car insurance in Garden City South is $76 per month, which is lower than the national average.

What is the cheapest car insurance in Garden City South?

The cheapest car insurance in Garden City South is $162 per month for full coverage.

How much is car insurance in Garden City South for teenagers?

Car insurance for teenagers costs $643 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 South?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $334 per month to insure your car in Garden City South.

Is car insurance expensive in Garden City South?

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

Cheapest Car Insurance Quotes in Garden City South

Why you can trust Way?

How Much Is Car Insurance in Garden City South

Avg. Car Insurance in Garden City South

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Garden City South

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Garden City South Car Insurance Rates by Company

Cheap Car Insurance Companies in Garden City South, NY

Way's key takeaways about car insurance in Garden City South

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Garden City South

Cheapest Liability Coverage in Garden City South, NY

Cheapest Full Coverage Car Insurance in Garden City South

Cheapest Full Coverage Car Insurance Quotes in Garden City South, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Garden City South by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Garden City South, NY increasing?

Car Insurance Premiums by Age in Garden City South

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Garden City South,NY

If you are in your twenties N/A is the best choice for car insurance in Garden City South.

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 South

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

Garden City South Car Insurance Rates by Violation

Garden City South auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Garden City South after a DUI

Garden City South car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Garden City South after Speeding ticket

Car Insurance Price Trends in Garden City South, New York

Average Car Insurance Cost in Garden City South by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Garden City South, NY

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

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Data Sources