Best Cheap Auto Insurance in Gardner, KS (2021)

The average Gardner, KS auto insurance rates are $267 per month. The minimum auto insurance in Gardner is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Gardner, Kansas, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Gardner for teen drivers is Liberty Mutual
  • The average commute length in Gardner is 24.6 minutes
  • Average auto insurance rates in Gardner, KS for senior drivers are $1,809 per year

Gardner, Kansas auto insurance requirements are 25/50/25 according to Kansas auto insurance laws. Finding cheap auto insurance in Gardner 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 Gardner, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Gardner to other Kansas cities, including Salina auto insurance rates, Topeka auto insurance rates, and Lenexa auto insurance rates to see how Gardner, Kansas auto insurance rates stack up.

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

Minimum Auto Insurance in Gardner, Kansas

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

Minimum Required Auto Insurance Coverage in Gardner, Kansas

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 Gardner, Kansas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Gardner, Kansas 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 Gardner, Kansas

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 $2,459 $2,365 $2,233 $2,291 $7,272 $8,233 $2,482 $2,552
American Family $1,631 $1,631 $1,475 $1,475 $3,260 $3,938 $1,631 $1,843
Farmers $2,278 $2,249 $2,027 $2,128 $6,651 $6,874 $2,584 $2,706
GEICO $2,208 $2,155 $2,235 $2,080 $4,252 $5,750 $2,636 $1,859
Liberty Mutual $2,158 $2,324 $2,120 $2,366 $11,106 $12,387 $2,303 $2,474
Nationwide $1,736 $1,771 $1,558 $1,663 $4,058 $4,921 $2,085 $2,211
Progressive $2,132 $2,003 $1,724 $1,804 $8,361 $9,394 $2,520 $2,705
State Farm $1,671 $1,671 $1,498 $1,498 $4,967 $6,267 $1,890 $2,162
Travelers $1,935 $1,963 $1,923 $1,936 $8,213 $12,809 $1,993 $2,296
USAA $1,161 $1,164 $1,081 $1,069 $4,284 $4,428 $1,542 $1,578

Cheap Gardner, Kansas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Gardner, Kansas is a challenge. Take a look at the annual teen auto insurance rates in Gardner, Kansas.

Annual Auto Insurance Rates for Teen Drivers in Gardner, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,272 $8,233
American Family $3,260 $3,938
Farmers $6,651 $6,874
GEICO $4,252 $5,750
Liberty Mutual $11,106 $12,387
Nationwide $4,058 $4,921
Progressive $8,361 $9,394
State Farm $4,967 $6,267
Travelers $8,213 $12,809
USAA $4,284 $4,428

Cheap Gardner, Kansas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Gardner, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,233 $2,291
American Family $1,475 $1,475
Farmers $2,027 $2,128
GEICO $2,235 $2,080
Liberty Mutual $2,120 $2,366
Nationwide $1,558 $1,663
Progressive $1,724 $1,804
State Farm $1,498 $1,498
Travelers $1,923 $1,936
USAA $1,081 $1,069

Cheap Gardner, Kansas 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 Gardner, Kansas compared to the annual auto insurance rates with a clean record in Gardner, Kansas.

Annual Gardner, Kansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,179 $3,721 $4,425 $3,619
American Family $2,073 $2,223 $2,073 $2,073
Farmers $2,882 $3,740 $3,644 $3,483
GEICO $1,840 $2,988 $4,568 $2,192
Liberty Mutual $3,447 $5,322 $5,213 $4,637
Nationwide $1,921 $2,190 $3,720 $2,170
Progressive $3,524 $4,161 $3,700 $3,936
State Farm $2,473 $2,933 $2,703 $2,703
Travelers $2,974 $3,926 $5,451 $4,183
USAA $1,483 $2,022 $2,945 $1,703

Cheap Gardner, Kansas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Gardner, Kansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,425
American Family $2,073
Farmers $3,644
GEICO $4,568
Liberty Mutual $5,213
Nationwide $3,720
Progressive $3,700
State Farm $2,703
Travelers $5,451
USAA $2,945

Cheap Gardner, Kansas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Gardner, Kansas

Insurance Company Poor Fair Good
Allstate $4,608 $3,534 $3,066
American Family $2,758 $1,946 $1,628
Farmers $4,028 $3,235 $3,048
GEICO $4,502 $2,380 $1,808
Liberty Mutual $4,655 $4,655 $4,655
Nationwide $2,738 $2,467 $2,296
Progressive $4,355 $3,701 $3,434
State Farm $3,936 $2,352 $1,821
Travelers $4,754 $3,898 $3,748
USAA $2,757 $1,837 $1,520

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Cheap Gardner, Kansas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Gardner, Kansas

ZIP Code Average Annual Rates
66030 $3,433

Cheap Gardner, Kansas Auto Insurance Rates By Commute

Commute length and annual mileage affect Gardner, Kansas auto insurance. Find the cheapest annual Gardner, Kansas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Gardner, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,736 $3,736
American Family $2,084 $2,137
Farmers $3,437 $3,437
GEICO $2,837 $2,956
Liberty Mutual $4,655 $4,655
Nationwide $2,500 $2,500
Progressive $3,830 $3,830
State Farm $2,635 $2,771
Travelers $4,134 $4,134
USAA $1,983 $2,094

Cheap Gardner, Kansas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Gardner, Kansas

Insurance Company Low Medium High
Allstate $3,622 $3,727 $3,858
American Family $2,120 $2,217 $1,995
Farmers $3,286 $3,417 $3,608
GEICO $2,798 $2,893 $2,999
Liberty Mutual $4,531 $4,643 $4,790
Nationwide $2,615 $2,478 $2,408
Progressive $3,609 $3,796 $4,085
State Farm $2,584 $2,712 $2,813
Travelers $3,903 $4,142 $4,355
USAA $1,956 $2,032 $2,126

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Best By Category: Cheapest Auto Insurance in Gardner, Kansas

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

Best Annual Auto Insurance Rates by Company in Gardner, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI American Family
With 1 Speeding Violation USAA

The Cheapest Gardner, Kansas Auto Insurance Companies

What auto insurance companies in Gardner, Kansas are the cheapest? Compare the top Gardner, Kansas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Gardner, Kansas

Insurance Company Average Annual Rates
Allstate $3,736
American Family $2,111
Farmers $3,437
GEICO $2,897
Liberty Mutual $4,655
Nationwide $2,500
Progressive $3,830
State Farm $2,703
Travelers $4,134
USAA $2,038

What affects auto insurance rates in Gardner, Kansas?

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

Gardner Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Gardner, Kansas auto theft statistics, there have been 18 auto thefts in the city.

Gardner Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gardner, Kansas commute length is 24.6 minutes according to City-Data.

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Compare Gardner, Kansas Auto Insurance Quotes

Before you buy Gardner, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Gardner, Kansas 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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