Cheapest Car Insurance Quotes in Garden City

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Garden City Car Insurance

^$ 17

/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 $786 for a six-month policy, which is $59 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $365, 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

$786

Avg. Car Insurance in South Dakota

$845

National Average

$1140

Cheapest Car Insurance Companies in Garden City

1st place: Kemper

At $365 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Farmers Mutual of Nebraska

Farmers Mutual of Nebraska offers auto insurance rates at $419 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $481 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, SD is Kemper, offering policies at just $365 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $419.

At the higher end of the spectrum, North Star Mutual is the most expensive, with rates reaching $1044 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, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$365	$60
Farmers Mutual of Nebraska	$419	$71
Auto-Owners Insurance Co	$481	$80
American Family	$641	$108
State Farm	$779	$131
Allstate	$906	$153
USAA	$911	$153
Auto-Owners	$928	$158
Farmers	$967	$163
Progressive	$977	$165
Nationwide	$1016	$171
North Star Mutual	$1044	$178

Key Takeaways

Way's key takeaways about car insurance in Garden City

The auto insurance costs in Garden City fall around $365 for six months.
The cheapest auto insurance company in Garden City is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Garden City at $29 per month.

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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.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Garden City. Their Average 6 Month Premium is $100. North Star Mutual Insurance is the most expensive at $160 for the same period.

Cheapest Liability Coverage in Garden City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$100	$17
Kemper	$127	$21
USAA	$127	$21
American Family	$133	$22
Auto-Owners	$143	$24
North Star Mutual	$143	$24
Auto-Owners Insurance Co	$149	$25
Progressive	$149	$25
State Farm	$149	$25
Farmers	$248	$42
Nationwide	$304	$51
Allstate	$326	$56
North Star Mutual Insurance	$160	$27

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 $60 per month and $365 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garden City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$365	$60
Farmers Mutual of Nebraska	$419	$71
Auto-Owners Insurance Co	$481	$80
American Family	$641	$108
State Farm	$779	$131
Allstate	$906	$153
USAA	$911	$153
Auto-Owners	$928	$158
Farmers	$967	$163
Progressive	$977	$165
Nationwide	$1016	$171
North Star Mutual	$1044	$178

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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, SD increasing?

Despite maintaining a clean driving record, your car insurance rates in Garden City, South Dakota, may be increasing due to several external factors. South Dakota 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,SD

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 $31 per month. At $171 for a six-month premium, North Star Mutual Insurance offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$182	$31
Auto-Owners Insurance Co	$193	$33
Farmers Mutual of Nebraska	$575	$97
State Farm	$1105	$186
USAA	$1171	$197
American Family	$1508	$254
Farmers	$1663	$280
Progressive	$1734	$292
North Star Mutual	$2210	$376
Auto-Owners	$2304	$384
Nationwide	$3022	$509
Allstate	$4745	$791
North Star Mutual Insurance	$171	$29

Teen Car Insurance Rates in SD 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, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $94 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 State Farm, offering rates of around $3066 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$94	$16
Western National	$166	$28
Iowa Farm Bureau	$221	$37
Kemper	$254	$43
American Family	$884	$149
Progressive	$939	$158
USAA	$1403	$233
North Star Mutual	$1729	$294
Farmers	$1734	$289
Nationwide	$1823	$310
State Farm	$3066	$511

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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, SD, 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 Western National and Kemper, offering $177 and $199, respectively. North Star Mutual Insurance is an expensive provider with an average six-month premium of $287.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$177	$30
Kemper	$199	$33
Auto-Owners Insurance Co	$205	$34
Farmers Mutual of Nebraska	$415	$70
State Farm	$425	$72
USAA	$635	$107
Progressive	$669	$113
Auto-Owners	$685	$115
Farmers	$834	$140
American Family	$906	$153
Allstate	$1326	$221
Nationwide	$1740	$293
North Star Mutual	$1796	$299
North Star Mutual Insurance	$287	$49

Garden City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garden City SD. For example, the car insurance in Garden City after a DUI increases to $806 for a six month policy. While the rate increases by $154 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	$923	$153
One Med/PIP claim	$923	$157
Not-at-fault accident	$945	$157
Two Med/PIP claims	$977	$166
One comp claim	$983	$164
Failure to show documents	$1016	$173
Two comp claims	$1016	$169
Failure to wear a seat belt	$1044	$178
Child safety restraint	$1060	$177
Driving without lights	$1060	$180
Driving with expired registration	$1066	$178
Wrong way/wrong lane	$1066	$181
Cell phone violation	$1071	$179
Driving too slowly	$1071	$182
Texting while driving	$1071	$179
Failure to stop at a red light	$1077	$183
Failure to yield	$1077	$179
Following too closely	$1077	$183
Illegal turn	$1077	$179
Speeding 6 - 10 MPH over limit	$1077	$183
Improper passing	$1088	$181
Speeding 11 - 15 MPH over limit	$1094	$186
Speeding 16 - 20 MPH over limit	$1099	$183
Operating a vehicle without permission	$1127	$192
At-fault accident - less than $1000	$1138	$190
In 65 MPH zone	$1138	$193
Speeding in school zone	$1144	$191
Speeding 21 - 25 MPH over limit	$1171	$199
Passing school bus	$1221	$204
Open container	$1265	$215
At-fault accident - $1000-$2000	$1282	$214
At-fault accident - greater than $2000	$1282	$218
Driving with a suspended license	$1547	$258
Reckless driving	$1563	$266
Refusal to submit to a chemical test	$1652	$275
Racing	$1707	$290
DUI	$1729	$288
Leaving scene of an accident/hit and run	$1768	$300

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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 Western National at $166 for a six-month policy. However, it can be as expensive as $2999 with companies like North Star Mutual.

Garden City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$166	$28
Farmers Mutual of Nebraska	$591	$100
State Farm	$613	$103
Progressive	$630	$106
Farmers	$911	$153
American Family	$994	$167
USAA	$1227	$206
Allstate	$1475	$246
Auto-Owners	$1497	$255
Nationwide	$2287	$385
North Star Mutual	$2999	$510

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 Farmers Mutual of Nebraska at $100. However, it can be as expensive as $1635 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Garden City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$100	$17
Kemper	$154	$26
Western National	$166	$28
Auto-Owners Insurance Co	$171	$29
State Farm	$287	$48
USAA	$431	$73
Progressive	$475	$80
North Star Mutual	$525	$89
American Family	$607	$102
Nationwide	$1392	$237
Farmers	$1635	$272

Car Insurance Price Trends in Garden City, South Dakota

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 remained steady at $153 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Garden City remained steady at $28 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Garden City?

The car insurance in Garden City is $17 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 $60 per month for full coverage.

How much is car insurance in Garden City for teenagers?

Car insurance for teenagers costs $182 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 $845 for a six-month policy. It will cost around $132 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.

What is the best car insurance in Garden City, SD?

The best car insurance company in Garden City SD is Kemper, offering $365 for a six-month policy.