Cheapest Auto Insurance in Garden City, Kansas (2024)

Midvale Home & Auto offers the cheapest car insurance in Garden City, with minimum-coverage policies as low as $73 per month.

Plutus Award winner

12+ years writing about insurance and personal finance

Emily is a widely recognized expert on personal finance and has authored several personal finance books. She’s a frequent guest on national and regional media.

Read Editorial Guidelines

Featured in

3+ years producing insurance and personal finance content

Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

Featured in

Updated July 3, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Cheapest recent rates near Garden City, Kansas

Liberty Mutual helped a RAM 1500 driver in Valley Falls, Kansas save on car insurance with this quote.

A Coffeyville, Kansas driver just saved on coverage for their Chevrolet Silverado with this quote from Dairyland.

Midvale Home & Auto's average rate for Kansas drivers with good credit and a clean driving record.

Safeco helped a Mazda 3 driver in Mcpherson, Kansas save on car insurance with this quote.

A Garden City, Kansas driver just saved on coverage for their Ford F-Series Pickup with this quote from Bristol West.

We just helped a driver in Manhattan, Kansas cover their Buick Century with this quote from The General.

National General helped a Buick Century driver in Manhattan, Kansas save on car insurance with this quote.

Safeco's average rate for Kansas drivers with good credit and a clean driving record.

Dairyland's average rate for Kansas drivers with good credit and a clean driving record.

*Quotes generated for Insurify users in and around Garden City, Kansas within the last 10 days. Last updated on July 3, 2024

Liberty Mutual helped a Toyota Highlander driver in Salina, Kansas save on car insurance with this quote.

We just helped a driver in Lawrence, Kansas cover their Mercedes Benz C-Class with this quote from Safeco.

Midvale Home & Auto's average rate for Kansas drivers with good credit and a clean driving record.

Bristol West helped a KIA Sorento driver in Overland Park, Kansas save on car insurance with this quote.

We just helped a driver in Hutchinson, Kansas cover their KIA Sorento with this quote from The General.

A Great Bend, Kansas driver just saved on coverage for their Toyota Tacoma with this quote from National General.

Liberty Mutual's average rate for Kansas drivers with good credit and a clean driving record.

Dairyland's average rate for Kansas drivers with good credit and a clean driving record.

National General's average rate for Kansas drivers with good credit and a clean driving record.

*Quotes generated for Insurify users in and around Garden City, Kansas within the last 10 days. Last updated on July 3, 2024

Residents of Garden City, Kansas, have many auto insurers to choose from for the cheapest coverage, although the cost can depend on things like driving history, age, and credit score.[1] Drivers who compare quotes from multiple insurers may also find cheap rates.

Garden City drivers pay an overall average of $176 per month for car insurance, which is similar to the state average of $143 per month. Garden City’s relatively small population compared to other Kansas cities’ populations may contribute to its cheap average rates.

The average cost of car insurance in Garden City is $84 per month for liability coverage and $268 per month for full coverage.

Kansas law requires all drivers to carry personal injury protection coverage and uninsured and underinsured motorist coverage in addition to liability coverage.[2]

Midvale Home & Auto is the cheapest company for full coverage in Garden City, with rates as low as $148 per month.

3 of the cheapest car insurance companies in Garden City

The cost of auto insurance in Garden City can vary greatly from one insurer to the next and one driver to the next. 

“The amount you’ll pay for car insurance is impacted by a number of very different factors,” explains Loretta Worters, vice president of media relations for the Insurance Information Institute. “Factors [range] from the type of coverage you have to your driving record to where you park your car.”

The cheapest car insurance company for a Garden City driver depends a great deal on your situation. Whether you’re a driver who only needs liability insurance, a senior driver, or a driver with some traffic violations on your record, the best price for your needs may come from a different insurance company.

Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1-to-ten scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

Best insurer for liability-only coverage: Midvale Home & Auto

Liability-Only CoverageMidvale Home & Auto

Based out of Madison, Wisconsin, Midvale Home & Auto is a subsidiary of American Family Insurance and offers plenty of discounts for you to lower your premiums.

Plenty of available discounts

Can get a quote and start a claim online

Several complaints on the Better Business Bureau (BBB) website

Drivers with a traffic violation can expect much higher costs

Best insurer for high-risk drivers: Dairyland

High-Risk DriversDairyland

Dairyland began as a regional company in Wisconsin in 1953, selling car insurance to drivers who couldn’t get standard coverage. Acquired by Sentry in 1966, Dairyland now sells auto, motorcycle, and off-road insurance nationwide, and still caters to non-standard drivers. The company also sells renters, RV, and life insurance, and car insurance in Mexico. Although Dairyland has many positive customer comments on review websites, it has a slightly higher-than-average number of complaints in the National Association of Insurance Commissioners Customer Complaint Index. A.M. Best, however, gives the company an A+ rating for financial stability and credit.

Many positive customer reviews

Provides coverage to drivers who may not be able to get it elsewhere

More complaints than expected with the NAIC

Rates tend to be higher than competitors

Nightmare!

Dairyland

If you need insurance, go for it. However, I recently got new insurance and the rates are higher because I have a claim that I didn't make.

Best insurer for discounts: Liberty Mutual

DiscountsLiberty Mutual

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Wide range of available discounts

Accident forgiveness available

Many negative reviews and customer complaints

Premiums are relatively high compared to industry average

It upsets me when I see commercials about 'only pay for what you need.' My payment went from $225.00 to $354.97 with Liberty Mutual in the middle of a policy. I want to cancel this policy because they raised their prices without any reason. I would never recommend this company to anyone. When their ads come on TV, I find them so distasteful that I turn them off. Instead of referring someone to Liberty Mutual, I would dissuade them from it.

Beware of Changes

Confused

How to get the cheapest car insurance in Garden City

Finding the cheapest car insurance in Garden City will depend on your needs, driving history, automobile, location, and other factors. Here are some of the best strategies for finding the cheapest car insurance for your situation:

Compare quotes. Not all insurers use the same parameters to determine premium costs, according to Worters. That means one of the best ways to find the cheapest insurance is by comparing quotes from a number of insurance companies.

Increase your deductible. The deductible is the amount of money you have to pay up front before your insurance starts to cover costs. When you increase your deductible, you pay more out of pocket if you make a claim, but your insurer usually reduces your monthly premiums in exchange.

Bundle auto insurance with other policies. Insurers that offer more than just auto insurance often provide a discount if you also get a home insurance, renters insurance, life insurance, or other policy in addition to your car insurance policy.

Drive safely. One of the best ways to keep your insurance costs low is to consistently drive safely and defensively and avoid accidents and moving violations.

Get Car Insurance in Garden City Online

Liability rates start at $73/mo.

Cheapest liability-only car insurance in Garden City: Midvale Home & Auto

One of the quickest methods of reducing your auto insurance premiums is by purchasing a liability-only policy. With liability-only car insurance, your insurer will only pay for property damage or bodily injury of another person when you’re at fault in an accident.

If your car requires repair or replacement, liability-only insurance won’t cover those costs. But Kansas does require drivers to carry personal injury protection (PIP) coverage, which is also known as no-fault coverage.[2] PIP insurance pays for associated medical costs for yourself or your passengers if you’re injured in an accident, regardless of who’s at fault.

The average cost of liability coverage in the city is $84 per month. These are the cheapest liability-only car insurance companies in Garden City, Kansas:

Cheapest full-coverage car insurance in Garden City: Midvale Home & Auto

Liability-only coverage is generally the bare minimum you need, and it can leave you financially vulnerable. Drivers may choose a full-coverage auto insurance policy to protect themselves. This kind of policy includes collision coverage and comprehensive coverage. Collision coverage will pay to repair or replace your vehicle if you cause an accident, while comprehensive coverage will pay to repair or replace your vehicle if something other than accident damages it, such as a falling tree branch or a joyriding car thief.

The average cost of liability coverage in the city is $268 per month. These are the cheapest full-coverage insurance companies in Garden City:

Cheapest recent rates near Garden City, Kansas

A Valley Falls, Kansas driver just saved on coverage for their RAM 1500 with this quote from Liberty Mutual.

We just helped a driver in Coffeyville, Kansas cover their Chevrolet Silverado with this quote from Dairyland.

Midvale Home & Auto's average rate for Kansas drivers with good credit and a clean driving record.

A Manhattan, Kansas driver just saved on coverage for their Buick Century with this quote from The General.

We just helped a driver in Garden City, Kansas cover their Ford F-Series Pickup with this quote from Bristol West.

National General helped a KIA Rio driver in Manhattan, Kansas save on car insurance with this quote.

*Quotes generated for Insurify users in and around Garden City, Kansas within the last 10 days. Last updated on July 3, 2024

We just helped a driver in Salina, Kansas cover their Toyota Highlander with this quote from Liberty Mutual.

A Lawrence, Kansas driver just saved on coverage for their Mercedes Benz C-Class with this quote from Safeco.

Midvale Home & Auto's average rate for Kansas drivers with good credit and a clean driving record.

We just helped a driver in Hutchinson, Kansas cover their Buick Century with this quote from Bristol West.

A Hutchinson, Kansas driver just saved on coverage for their KIA Sorento with this quote from The General.

National General helped a Toyota Tacoma driver in Great Bend, Kansas save on car insurance with this quote.

*Quotes generated for Insurify users in and around Garden City, Kansas within the last 10 days. Last updated on July 3, 2024

Car insurance requirements in Kansas

Kansas requires drivers to carry these coverages:[2]

Drivers can also choose additional coverage options, including: 

Comprehensive insurance provides coverage when theft, vandalism, falling objects, or weather events damage your vehicle.

Collision insurance kicks in after an accident or when you hit a mailbox, even if you’re at fault.

Roadside assistance provides coverage for towing, jumpstarts, or tire changes on the side of the road when your vehicle breaks down.

Gap insurance covers the difference between your total loss settlement and what you owe on your auto loan if you finance your vehicle.

Cheapest car insurance for drivers with an incident

Safe drivers enjoy the cheapest auto premiums, but what about drivers with spottier records? Whether you’ve received a citation for speeding, were at fault after an accident, or gotten a DUI, such violations will likely increase your insurance rates, especially if you need an SR-22 policy.[3]

If you have a speeding ticket, an at-fault accident, or a DUI conviction, here are the cheapest insurers in Garden City.

Find Car Insurance in Garden City, Kansas

See personalized quotes from top auto insurers in minutes

Cheapest car insurance for drivers with a speeding ticket: Safeco

Speed limits are in place for a reason: Going too fast is dangerous. The National Highway Traffic Safety Administration (NHTSA) reports speeding was a contributing factor in 29% of traffic fatalities in 2021. This helps explain why speeding tickets lead to higher insurance premiums.

If you received a citation for speeding, you can still find cheap auto insurance in Garden City. But you can expect to pay more than a driver without a lead foot. The average cost of car insurance for drivers with a speeding ticket in Garden City is $123 per month.

Here are some of the insurers offering cheaper rates for drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: Safeco

Causing an accident can also increase your car insurance rates. Garden City drivers with an at-fault accident on their record pay an average of $126 per month.

Here are the cheapest liability insurance companies for drivers with at-fault accidents on their records.

Cheapest car insurance for drivers with a DUI: Midvale Home & Auto

Having a DUI can double your monthly car insurance rates in Garden City. Insurify data shows that Garden City drivers with a DUI pay an average of $126 per month for liability coverage.

Here are the cheapest auto insurers in Garden City if you have a DUI.

Cheapest car insurance for seniors: Midvale Home & Auto

Middle-aged drivers tend to pay the least for car insurance compared to other age groups. Even drivers older than 70 see rates increase again because senior drivers may experience slower reflexes and other physical declines that can increase their likelihood of getting into an accident.[4]

Senior drivers in the city pay an average of $56 per month for liability coverage. The cheapest car insurance for senior drivers in Garden City include the following companies:

Cheapest car insurance for teens: Midvale Home & Auto

“Teen drivers tend to pay the highest car insurance rates because of their lack of experience,” says Worters. Insurers also know that teens have higher rates of risky driving behavior, which means they’re more likely to get into a crash than other drivers.

That doesn’t mean teens (and their parents) are stuck paying unaffordable insurance premiums. Worters offers several suggestions for working to lower those rates.

“The best thing they can do to reduce insurance costs is by having a good driving record, purchasing a car that is not one that has a high theft rate, and having good credit,” she says. “These can all help a young driver to keep their rates low.”

Teen drivers in the city pay an average of $147 per month for liability coverage. The following insurers offer the lowest rates for teen drivers in Garden City:

Shop Cheap Quotes in Garden City

Save up to $717 when you compare rates

Garden City car insurance quotes by credit tier

Insurance companies in Kansas can take your credit history into account when determining your premium costs. But your credit history can’t be the only factor insurers use — and insurers can’t use your credit to increase your premiums at policy renewal.[5] 

Insurers have found that drivers with good to excellent credit scores generally make fewer insurance claims, while drivers with fair to poor credit scores make more claims. So working to improve your credit score will not only help your finances in general — it may also help you lower your auto insurance costs.

These are the average monthly car insurance premiums in Garden City by credit tier:

Is car insurance more expensive in Garden City?

The average cost for full-coverage auto insurance in Garden City is $268 per month, which is similar to the state’s average cost for the same level of coverage of $204 per month, according to Insurify data.

More cities in Kansas

Worters explains that location can make a big difference in your auto insurance costs. 

“Due to higher rates of vandalism, theft, and accidents, urban drivers generally pay a higher auto insurance price than those in small towns or rural areas,” she says. Even ZIP codes can affect car insurance premiums.

Here’s how Garden City’s rates compare to average rates in other Kansas cities.

Garden City car insurance FAQs

Check out Insurify’s guides on lowering your car insurance premiums, and read the answers to common questions about Garden City car insurance for more information.

How much is car insurance in Garden City?

The average cost of car insurance in Garden City is $84 per month for liability coverage and $268 per month for full coverage.

Which company has the cheapest car insurance in Garden City?

The cheapest car insurance companies for liability coverage in Garden City are Midvale Home & Auto, Safeco, and Dairyland, with rates as low as $73, $74, and $82 per month, respectively.

But drivers should always compare auto quotes for similar coverage levels with different companies to find the best rate for their needs.

What are the best car insurance companies in Garden City?

The best car insurance companies in Garden City are USAA, State Farm, and Auto-Owners. These companies have above-average J.D. Power customer satisfaction ratings in the Central region, lower-than-average monthly premiums, and solid IQ Scores.[6]

How much car insurance do you need in Kansas?

Drivers in Kansas need liability car insurance of at least $25,000 per person and $50,000 per accident for bodily injury liability; $25,000 per accident for property damage liability; $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage; and personal injury protection.[2]

Is Kansas a no-fault state?

Yes. Kansas is a no-fault state, meaning your auto insurance policy covers your medical expenses after a car accident, regardless of fault.[7]

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson. Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online. She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy. Emily lives in Milwaukee with her family.

3+ years producing insurance and personal finance content

Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

Featured in

Compare Car Insurance Quotes Instantly

Latest Articles

How to Get a Texas Driver’s License: A Step-by-Step Guide

To become a licensed driver in Texas, you must pass a three-part test. You might also need to take driver’s ed courses depending on your age.

Compare Car Insurance Rates All in One Place (July 2024)

Insurify is a digital insurance agent that lets you compare car insurance rates from GEICO, Allstate, Progressive and 100+ more.

Shopping for Car Insurance: How to Get Coverage in 7 Easy Steps

If you’re in the market for car insurance, follow these 7 steps to shop for coverage and find the best and cheapest policy for your situation.

What Happens if You Drive Without Insurance?

Driving without insurance may seem like a good way to save money, but here are the consequences you could face.

Average Car Insurance Rates by Age and Gender

Did you know your age and gender can affect how much you pay for car insurance? Younger drivers typically pay the highest insurance rates.

The Complete Guide to SR-22 Insurance (2024)

Learn about the process of filing for SR-22 insurance and whether you need an SR-22 in our complete guide.