Cheapest Car Insurance Quotes in Garden City

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Garden City Car Insurance

^$ 32

/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 $933 for a six-month policy, which is $19 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $419, 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

$933

Avg. Car Insurance in Utah

$952

National Average

$1140

Cheapest Car Insurance Companies in Garden City

1st place: Farmers Union Insurance

At $419 for a six month policy, Farmers Union Insurance offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $448 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $576 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, UT is Farmers Union Insurance, offering policies at just $419 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $448.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1915 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, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$419	$72
Auto-Owners Insurance Co	$448	$74
Nationwide	$576	$97
USAA	$629	$106
Progressive	$711	$120
American Family	$733	$123
Auto-Owners	$879	$148
Farm Bureau	$978	$163
Allstate	$1333	$224
State Farm	$1647	$277
Farmers	$1915	$325

Key Takeaways

Way's key takeaways about car insurance in Garden City

The auto insurance costs in Garden City fall around $419 for six months.
The cheapest auto insurance company in Garden City is Farmers Union Insurance.
Teen drivers pay the highest rate in Garden City at $1221 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 Union Insurance provides the cheapest minimum car insurance coverage in Garden City. Their Average 6 Month Premium is $192. Farmers is the most expensive at $966 for the same period.

Cheapest Liability Coverage in Garden City, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$192	$32
USAA	$227	$38
Auto-Owners Insurance Co	$250	$42
Nationwide	$273	$46
Progressive	$320	$54
Auto-Owners	$355	$60
Farm Bureau	$396	$66
American Family	$414	$70
Allstate	$640	$108
State Farm	$757	$127
Farmers	$966	$161

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 Farmers Union Insurance at $72 per month and $419 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garden City, UT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$419	$72
Auto-Owners Insurance Co	$448	$74
Nationwide	$576	$97
USAA	$629	$106
Progressive	$711	$120
American Family	$733	$123
Auto-Owners	$879	$148
Farm Bureau	$978	$163
Allstate	$1333	$224
State Farm	$1647	$277
Farmers	$1915	$325

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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, UT increasing?

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

If you are planning to get a car insurance policy for your teenage dependent, Farmers Union Insurance provides the cheapest car insurance in the Garden City at $50 per month. At $7328 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$303	$50
Auto-Owners Insurance Co	$343	$59
Iowa Farm Bureau	$361	$60
Utah Farm Bureau	$390	$67
USAA	$1251	$211
Nationwide	$1449	$244
Auto-Owners	$1740	$293
Progressive	$2224	$374
Farm Bureau	$2631	$438
American Family	$2661	$448
Allstate	$4564	$768
State Farm	$6065	$1021
Farmers	$7328	$1221

Teen Car Insurance Rates in UT 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, Nationwide is the cheapest car insurance provider. At $320 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 $2707 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$320	$55
Farmers Union Insurance	$355	$59
Kemper	$524	$89
Auto-Owners Insurance Co	$600	$100
Progressive	$838	$141
American Family	$1007	$170
USAA	$1333	$226
Farmers	$1828	$308
Farm Bureau	$1839	$313
Auto-Owners	$2224	$370
Allstate	$2386	$406
State Farm	$2707	$451

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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, UT, 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 Farmers Union Insurance and AutoOwners Insurance Co, offering $309 and $414, respectively. Farmers is an expensive provider with an average six-month premium of $2869.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$309	$51
Auto-Owners Insurance Co	$414	$71
Utah Farm Bureau	$489	$81
Encompass	$541	$92
USAA	$623	$105
Nationwide	$681	$115
Progressive	$751	$126
Auto-Owners	$984	$166
American Family	$990	$167
Farm Bureau	$1507	$257
Allstate	$1869	$315
State Farm	$2089	$352
Farmers	$2869	$478

Garden City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garden City UT. For example, the car insurance in Garden City after a DUI increases to $961 for a six month policy. While the rate increases by $250 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	$1071	$178
One Med/PIP claim	$1077	$183
Not-at-fault accident	$1101	$183
One comp claim	$1101	$187
Two Med/PIP claims	$1101	$183
Two comp claims	$1112	$189
Failure to show documents	$1216	$203
Child safety restraint	$1251	$213
Driving without lights	$1251	$209
Failure to wear a seat belt	$1251	$213
Driving with expired registration	$1275	$213
Cell phone violation	$1315	$223
Texting while driving	$1315	$220
Wrong way/wrong lane	$1315	$223
Driving too slowly	$1321	$221
Failure to yield	$1321	$224
Following too closely	$1321	$221
Illegal turn	$1321	$224
Speeding 6 - 10 MPH over limit	$1321	$221
Failure to stop at a red light	$1327	$225
Speeding 11 - 15 MPH over limit	$1327	$221
Speeding 16 - 20 MPH over limit	$1327	$225
Speeding in school zone	$1327	$221
Improper passing	$1333	$226
In 65 MPH zone	$1380	$230
Speeding 21 - 25 MPH over limit	$1403	$238
Passing school bus	$1408	$235
At-fault accident - less than $1000	$1485	$253
Operating a vehicle without permission	$1554	$259
At-fault accident - $1000-$2000	$1595	$271
Open container	$1606	$268
At-fault accident - greater than $2000	$1618	$275
Reckless driving	$2002	$334
Driving with a suspended license	$2014	$342
Refusal to submit to a chemical test	$2014	$336
DUI	$2032	$345
Racing	$2032	$339
Leaving scene of an accident/hit and run	$2119	$361

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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 Utah Farm Bureau at $361 for a six-month policy. However, it can be as expensive as $3208 with companies like State Farm.

Garden City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Utah Farm Bureau	$361	$62
Farmers Union Insurance	$390	$65
Kemper	$448	$76
Progressive	$646	$109
USAA	$949	$160
Nationwide	$1065	$179
American Family	$1077	$181
Farm Bureau	$1106	$184
Allstate	$1414	$238
Auto-Owners	$2154	$359
Farmers	$2578	$438
State Farm	$3208	$540

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 Union Insurance at $244. However, it can be as expensive as $2661 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 Union Insurance	$244	$41
Nationwide	$250	$42
Auto-Owners Insurance Co	$338	$58
Progressive	$663	$112
American Family	$757	$127
USAA	$792	$132
Auto-Owners	$821	$139
Farm Bureau	$1106	$184
State Farm	$1432	$243
Allstate	$1502	$250
Farmers	$2661	$453

Car Insurance Price Trends in Garden City, Utah

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 $210 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 $67 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 $32 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 $72 per month for full coverage.

How much is car insurance in Garden City for teenagers?

Car insurance for teenagers costs $303 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 $952 for a six-month policy. It will cost around $157 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, UT?

The best car insurance company in Garden City UT is Farmers Union Insurance, offering $419 for a six-month policy.