How to Find Cheap Garden City Auto Insurance Quotes
Garden City is one of the most expensive places in Kansas for full coverage. Our benchmark driver pays about $261 a month here, 17% above the state average; only Dodge City and Ulysses cost more among the 74 Kansas cities in our sample.
The surprise is minimum coverage, which is cheaper than the state average at about $59 a month. The high full-coverage price comes mostly from two insurers whose southwest Kansas rates are far above the rest.
Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services.
How Much Does Auto Insurance Cost in Garden City, KS?
- State Minimum Liability: about $59 a month ($709 a year), 6% below the Kansas average.
- Full Coverage: about $261 a month ($3,132 a year), 17% above the Kansas average.
Filed-rate averages from Quadrant Information Services for one benchmark driver (single, 40, good credit, clean record, 2024 Toyota Camry LE) in Garden City ZIP code 67846. Methodology.
Cost data comes from insurers’ filed auto rates across the 1 Garden City ZIP code we price, compiled by Quadrant Information Services and updated as new rates are filed.
Which Company has the Cheapest Car Insurance in Garden City?
- State Farm ($199 a month) and American Family ($201) are effectively tied for the lowest full-coverage average in Garden City, about $2 a month apart.
- Progressive is third at $221. Farm Bureau Financial Services ($311) and Allstate ($396) are much higher and pull the city average up.
- Minimum coverage averages about $59 a month across the six insurers; see the table for each price.
These are prices for Garden City ZIP code 67846 and the 6 insurers in our Kansas data. Travelers and GEICO, listed last, often price lower still in western Kansas.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| State Farm | $563 | $47 | $2,385 | $199 |
| American Family | $853 | $71 | $2,409 | $201 |
| Progressive | $364 | $30 | $2,656 | $221 |
| Farmers | $864 | $72 | $2,870 | $239 |
| Farm Bureau Financial Services | $529 | $44 | $3,726 | $311 |
| Allstate | $1,078 | $90 | $4,747 | $396 |
| Travelers* | $499 | $42 | $2,284 | $190 |
| GEICO* | $425 | $35 | $2,423 | $202 |
| Shelter* | $800 | $67 | $2,969 | $247 |
Why Southwest Kansas Costs More
Southwest Kansas has the highest full-coverage averages in our data: about $264 a month in Dodge City, $263 in Ulysses and $255 in Liberal, alongside Garden City’s $261.
The driver of that premium is visible in the table. The three cheapest insurers here are all under $225 a month, close to the Kansas norm, while Allstate’s southwest Kansas price (about $396) is one of the highest in our state data. Choosing a lower-priced insurer erases most of the regional premium.
Liability upgrades are cheap: 100/300/100 costs about $5 a month more than 50/100/50.
Nearby Kansas city guides: same driver, same coverage, filed rates as of August 31, 2026.
Every Kansas city we price is in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
How Much Car Insurance Do I Need in Kansas?
Though you may need higher coverage, here are the minimum car insurance requirements in Kansas if you are looking for state minimum liability coverage you’ll need:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- Personal injury protection (PIP): $4,500 per person for medical care, $900 a month for up to a year of lost income, $4,500 for rehabilitation, $2,000 for funeral costs and $25 a day for in-home help
- Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident
Minimum coverage is inexpensive in Garden City, but it covers only damage you cause to others. With full coverage about $202 a month more here, the right choice depends on your car’s value, and hail is a real risk on the High Plains.
How to Save Money on Your Auto Policy
In Garden City, choosing the right insurer does most of the work:
- Start with State Farm and American Family: They were effectively tied for the lowest full-coverage average in our data.
- Check your current insurer against the table: The most expensive company here cost $2,362 a year more than the cheapest for the same policy.
- Match coverage to your car’s value: On an older vehicle, collision may not be worth its cost; on a newer one, keep comprehensive for hail.
- Account for long rural drives: Report accurate mileage, and consider roadside assistance for trips between towns.
- Bundle farm, home and auto where possible: Some insurers offer multi-policy discounts that include rural property.
Garden City full coverage costs about $261 a month ($3,132 a year) for a 40-year-old with a clean record, while state minimum is only about $59, according to filed rates in effect August 31, 2026. Full coverage is 17% above the Kansas average, but State Farm and American Family are close to the state norm at about $199 and $201 a month.
Bundling helps too. Most insurers take a percentage off both policies when you insure your car and home together, so check Kansas home insurance rates as well.
How We Calculated Garden City Car Insurance Rates
InsuranceQuotes analyzes insurers’ filed auto rates compiled by Quadrant Information Services, which models premiums from the rate filings insurers submit to state regulators. This page uses rates in effect on August 31, 2026.
- Sample: 14 quotes (7 full coverage and 7 state minimum) from 7 insurance companies, grouped into 6 brands, in ZIP code 67846, which covers Garden City.
- Driver: a single 40-year-old man, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE he owns, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the coverage Kansas requires: 25/50/25 liability, PIP and uninsured/underinsured motorist coverage.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the city’s ZIP codes. The city average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business.
- Other insurers: when an insurer’s filed rate for this driver isn’t in our data yet, its average is estimated from 2026 published rate studies and scaled to the same driver and coverage. Those insurers aren’t used for our cheapest-insurer rankings.
- What this isn’t: a quote. These are modeled filed rates for one driver profile. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Kansas coverage requirements come from the Kansas Insurance Department’s auto shopper’s guide. We refresh these figures when new filed-rate data is released.
About $261 a month ($3,132 a year) for full coverage and $59 a month ($709 a year) for state-minimum coverage, for our benchmark 40-year-old driver in ZIP code 67846, based on filed rates as of August 31, 2026.
Kansas requires 25/50/25 liability ($25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage), personal injury protection with at least $4,500 per person in medical benefits, and uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident. Driving uninsured can lead to fines and suspension of your license and registration.
Yes. Your own PIP coverage pays your medical bills and lost wages after a crash no matter who caused it. You can still sue the at-fault driver for pain and suffering if your medical treatment reaches $2,000 or you have a serious injury, such as a fracture to a weight-bearing bone or a permanent injury.
State Farm ($199 a month) and American Family ($201) are effectively tied for the lowest full-coverage average in our data, with Progressive third at $221. Travelers and GEICO can come in lower still. You can compare quotes from these and other insurers in one place on InsuranceQuotes. See our Kansas car insurance rates page for other cities.
In our data, most of the difference comes from two insurers whose southwest Kansas prices are well above average. The three cheapest insurers in Garden City are within a few dollars of the Kansas average, so shopping around removes most of the regional premium.
Minimum coverage is cheaper than the state average, but full coverage costs more. Compare several insurers, keep comprehensive for hail on a newer car, and review your coverage as your vehicle ages.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
