Best Cheap Auto Insurance in Garnett, KS (2021)

The average Garnett, KS auto insurance rates are $281 per month. The minimum auto insurance in Garnett is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Garnett, 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

  • Average auto insurance rates in Garnett, KS for senior drivers are $1,968 per year
  • The minimum auto insurance required in Garnett, Kansas is 25/50/25
  • The average commute length in Garnett is 24.9 minutes

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

Compare auto insurance in Garnett to other Kansas cities, including Shawnee auto insurance rates, Kansas City auto insurance rates, and Olathe auto insurance rates to see how Garnett, Kansas auto insurance rates stack up.

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

Minimum Auto Insurance in Garnett, Kansas

Garnett, 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 Garnett, Kansas.

Minimum Required Auto Insurance Coverage in Garnett, 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 Garnett, Kansas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Garnett, 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 Garnett, 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 $2,921 $2,846 $2,594 $2,670 $7,834 $8,726 $3,015 $3,133
American Family $1,681 $1,681 $1,517 $1,517 $3,222 $3,858 $1,681 $1,885
Farmers $2,551 $2,534 $2,279 $2,379 $6,909 $7,155 $2,881 $3,039
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,400 $2,594 $2,276 $2,539 $10,892 $12,164 $2,635 $2,855
Nationwide $1,807 $1,864 $1,609 $1,734 $3,759 $4,613 $2,108 $2,246
Progressive $2,356 $2,248 $1,895 $1,979 $8,582 $9,684 $2,779 $2,979
State Farm $1,761 $1,761 $1,533 $1,533 $4,552 $5,820 $1,976 $2,225
Travelers $2,007 $2,042 $1,961 $1,983 $8,147 $12,720 $2,056 $2,423
USAA $1,437 $1,469 $1,313 $1,333 $4,807 $5,062 $1,895 $1,989

Cheap Garnett, Kansas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Garnett, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,834 $8,726
American Family $3,222 $3,858
Farmers $6,909 $7,155
GEICO $4,439 $5,960
Liberty Mutual $10,892 $12,164
Nationwide $3,759 $4,613
Progressive $8,582 $9,684
State Farm $4,552 $5,820
Travelers $8,147 $12,720
USAA $4,807 $5,062

Cheap Garnett, Kansas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Garnett, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,594 $2,670
American Family $1,517 $1,517
Farmers $2,279 $2,379
GEICO $2,443 $2,273
Liberty Mutual $2,276 $2,539
Nationwide $1,609 $1,734
Progressive $1,895 $1,979
State Farm $1,533 $1,533
Travelers $1,961 $1,983
USAA $1,313 $1,333

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

Annual Garnett, Kansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,650 $4,252 $4,882 $4,085
American Family $2,093 $2,243 $2,093 $2,093
Farmers $3,131 $4,027 $3,925 $3,780
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,624 $5,432 $5,337 $4,785
Nationwide $1,857 $2,134 $3,756 $2,123
Progressive $3,758 $4,382 $3,921 $4,190
State Farm $2,463 $2,827 $2,645 $2,645
Travelers $3,033 $3,962 $5,466 $4,210
USAA $1,765 $2,373 $3,494 $2,020

Cheap Garnett, Kansas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Garnett, Kansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,882
American Family $2,093
Farmers $3,925
GEICO $4,922
Liberty Mutual $5,337
Nationwide $3,756
Progressive $3,921
State Farm $2,645
Travelers $5,466
USAA $3,494

Cheap Garnett, Kansas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Garnett, Kansas

Insurance Company Poor Fair Good
Allstate $5,236 $3,963 $3,453
American Family $2,781 $1,970 $1,640
Farmers $4,379 $3,483 $3,285
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,794 $4,794 $4,794
Nationwide $2,736 $2,416 $2,251
Progressive $4,668 $3,912 $3,608
State Farm $3,851 $2,302 $1,783
Travelers $4,813 $3,922 $3,767
USAA $3,299 $2,163 $1,778

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Cheap Garnett, Kansas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Garnett, Kansas

ZIP Code Average Annual Rates
66032 $3,550

Cheap Garnett, Kansas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Garnett, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,217 $4,217
American Family $2,103 $2,158
Farmers $3,716 $3,716
GEICO $3,027 $3,159
Liberty Mutual $4,794 $4,794
Nationwide $2,468 $2,468
Progressive $4,063 $4,063
State Farm $2,580 $2,711
Travelers $4,168 $4,168
USAA $2,341 $2,485

Cheap Garnett, Kansas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Garnett, Kansas

Insurance Company Low Medium High
Allstate $4,092 $4,208 $4,352
American Family $2,154 $2,238 $1,999
Farmers $3,568 $3,695 $3,884
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,689 $4,784 $4,910
Nationwide $2,596 $2,440 $2,367
Progressive $3,849 $4,032 $4,307
State Farm $2,555 $2,652 $2,728
Travelers $3,953 $4,174 $4,376
USAA $2,328 $2,406 $2,504

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Best By Category: Cheapest Auto Insurance in Garnett, Kansas

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

Best Annual Auto Insurance Rates by Company in Garnett, Kansas

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

The Cheapest Garnett, Kansas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Garnett, Kansas

Insurance Company Average Annual Rates
Allstate $4,217
American Family $2,130
Farmers $3,716
GEICO $3,093
Liberty Mutual $4,794
Nationwide $2,468
Progressive $4,063
State Farm $2,645
Travelers $4,168
USAA $2,413

What affects auto insurance rates in Garnett, Kansas?

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

Garnett Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Garnett, Kansas auto theft statistics, there have been 8 auto thefts in the city.

Garnett Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Garnett, Kansas commute length is 24.9 minutes according to City-Data.

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Compare Garnett, Kansas Auto Insurance Quotes

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