Best Cheap Auto Insurance in Garden City, MO (2021)

The average Garden City, MO auto insurance rates are $268 per month. The minimum auto insurance in Garden City is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Garden City, Missouri, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to Remember

  • Average auto insurance rates in Garden City, MO for senior drivers are $1,796 per year
  • The most expensive auto insurance company in Garden City for teen drivers is Farmers
  • The minimum auto insurance required in Garden City, Missouri is 25/50/25

Garden City, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Garden City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Garden City, Missouri, including driving record, credit, commute time, and more.

Compare auto insurance in Garden City to other Missouri cities, including O’Fallon auto insurance rates, Kansas City auto insurance rates, and Springfield auto insurance rates to see how Garden City, Missouri auto insurance rates stack up.

Before you buy Garden City, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Garden City, Missouri auto insurance quotes.

Minimum Auto Insurance in Garden City, Missouri

Garden City, Missouri auto insurance laws require that you have at least the Missouri minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Garden City, Missouri.

Minimum Required Auto Insurance Coverage in Garden City, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Garden City, Missouri Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Garden City, Missouri are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Garden City, Missouri

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,788 $2,689 $2,520 $2,598 $7,953 $8,625 $2,649 $2,726
American Family $2,130 $2,130 $1,899 $1,899 $5,879 $7,635 $2,130 $2,485
Farmers $2,452 $2,438 $2,183 $2,318 $10,434 $10,790 $2,808 $2,930
GEICO $1,664 $1,868 $1,301 $1,676 $5,250 $5,542 $1,515 $1,513
Liberty Mutual $2,678 $2,905 $2,205 $2,472 $9,141 $10,151 $2,825 $3,020
Nationwide $1,475 $1,504 $1,323 $1,398 $3,753 $4,797 $1,685 $1,820
Progressive $1,771 $1,638 $1,451 $1,493 $5,855 $6,568 $2,155 $2,200
State Farm $1,626 $1,626 $1,460 $1,460 $4,765 $6,008 $1,831 $2,087
USAA $1,463 $1,450 $1,323 $1,344 $4,358 $5,323 $1,819 $2,023

Cheap Garden City, Missouri Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Garden City, Missouri is a challenge. Take a look at the annual teen auto insurance rates in Garden City, Missouri.

Annual Auto Insurance Rates for Teen Drivers in Garden City, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,953 $8,625
American Family $5,879 $7,635
Farmers $10,434 $10,790
GEICO $5,250 $5,542
Liberty Mutual $9,141 $10,151
Nationwide $3,753 $4,797
Progressive $5,855 $6,568
State Farm $4,765 $6,008
USAA $4,358 $5,323

Cheap Garden City, Missouri Auto Insurance for Seniors

What are senior auto insurance rates in Garden City, Missouri? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Garden City, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,520 $2,598
American Family $1,899 $1,899
Farmers $2,183 $2,318
GEICO $1,301 $1,676
Liberty Mutual $2,205 $2,472
Nationwide $1,323 $1,398
Progressive $1,451 $1,493
State Farm $1,460 $1,460
USAA $1,323 $1,344

Cheap Garden City, Missouri Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Garden City, Missouri compared to the annual auto insurance rates with a clean record in Garden City, Missouri.

Annual Garden City, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,473 $3,933 $4,922 $3,947
American Family $2,440 $3,536 $4,326 $2,791
Farmers $3,901 $4,906 $4,792 $4,579
GEICO $1,963 $2,574 $3,492 $2,135
Liberty Mutual $3,216 $4,610 $4,759 $5,114
Nationwide $1,744 $2,238 $2,987 $1,908
Progressive $2,501 $3,358 $2,775 $2,932
State Farm $2,392 $2,823 $2,608 $2,608
USAA $1,911 $2,325 $3,225 $2,091

Cheap Garden City, Missouri Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Garden City, Missouri is not easy. Compare the annual rates for DUI auto insurance in Garden City, Missouri to find the best deal.

Annual Auto Insurance Rates After a DUI in Garden City, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,922
American Family $4,326
Farmers $4,792
GEICO $3,492
Liberty Mutual $4,759
Nationwide $2,987
Progressive $2,775
State Farm $2,608
USAA $3,225

Cheap Garden City, Missouri Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Garden City, Missouri annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Garden City, Missouri

Insurance Company Poor Fair Good
Allstate $5,610 $3,614 $2,981
American Family $4,276 $3,008 $2,535
Farmers $5,179 $4,334 $4,120
GEICO $3,505 $2,287 $1,831
Liberty Mutual $6,359 $3,869 $3,046
Nationwide $2,615 $2,163 $1,880
Progressive $3,346 $2,773 $2,556
State Farm $3,598 $2,326 $1,900
USAA $3,967 $1,859 $1,337

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Cheap Garden City, Missouri Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Garden City, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in Garden City, Missouri to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Garden City, Missouri

ZIP Code Average Annual Rates
64747 $2,653

Cheap Garden City, Missouri Auto Insurance Rates By Commute

Commute length and annual mileage affect Garden City, Missouri auto insurance. Find the cheapest annual Garden City, Missouri auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Garden City, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,069 $4,069
American Family $3,241 $3,305
Farmers $4,544 $4,544
GEICO $2,495 $2,587
Liberty Mutual $4,425 $4,425
Nationwide $2,219 $2,219
Progressive $2,892 $2,892
State Farm $2,543 $2,673
USAA $2,302 $2,474

Cheap Garden City, Missouri Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Garden City, Missouri? Check out the comparison of annual Garden City, Missouri auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Garden City, Missouri

Insurance Company Low Medium High
Allstate $3,909 $4,060 $4,237
American Family $3,167 $3,376 $3,277
Farmers $4,249 $4,500 $4,884
GEICO $2,366 $2,561 $2,697
Liberty Mutual $4,181 $4,444 $4,649
Nationwide $2,076 $2,241 $2,340
Progressive $2,585 $2,899 $3,190
State Farm $2,432 $2,619 $2,773
USAA $2,281 $2,380 $2,503

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Best By Category: Cheapest Auto Insurance in Garden City, Missouri

Compare the cheapest auto insurance companies in Garden City, Missouri in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Garden City, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

The Cheapest Garden City, Missouri Auto Insurance Companies

What auto insurance companies in Garden City, Missouri are the cheapest? Compare the top Garden City, Missouri auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Garden City, Missouri

Insurance Company Average Annual Rates
Allstate $4,069
American Family $3,273
Farmers $4,544
GEICO $2,541
Liberty Mutual $4,425
Nationwide $2,219
Progressive $2,892
State Farm $2,608
USAA $2,388

What affects auto insurance rates in Garden City, Missouri?

There are a lot of reasons why auto insurance rates in Garden City, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Garden City, Missouri. Many local factors may affect your Garden City auto insurance rates.

Garden City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Garden City, Missouri commute length is 29.9 minutes according to City-Data.

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Compare Garden City, Missouri Auto Insurance Quotes

Before you buy Garden City, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Garden City, Missouri auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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