For a 40-year-old driver with a clean record, car insurance in Gardner, KS, averages about $199 a month ($2,385 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That puts it 10% under Kansas’ $222 monthly average. Among insurers anyone can buy from, Travelers has the lowest full-coverage average in our Gardner table, about $136 a month, effectively tied with GEICO’s $140.
Gardner, in southwest Johnson County, has the lowest full-coverage average of the 74 Kansas cities and towns we price, about $199 a month for our benchmark driver and about $23 a month less than the Kansas average. Wamego and Stilwell are close behind, at $200 each.
Our data covers one ZIP code with a Gardner mailing address, 66030, so every price on this page is for it. Even here, the insurer you pick matters: among the six major insurers we compared (Allstate, American Family, Farm Bureau Financial Services, Farmers, Progressive and State Farm), full-coverage averages run from about $160 to $265 a month for the same driver and car, so compare car insurance quotes in Gardner, KS, before you buy.
Cost data comes from the auto rates insurers file with state regulators, priced in Gardner’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 10, 2026.
Car insurance in Gardner, KS, costs about $199 a month ($2,385 a year) for full coverage, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $726 a year ($61 a month), and 50/100/50 liability with comprehensive and collision averages $2,314 ($193 a month).
The statewide Kansas rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the nine, all five published in 2026, put it first, apart from USAA, which sells only to military families. Two of the others put GEICO first, one State Farm and one Nationwide. For liability-only coverage at 25/50/10 limits, averages among these six insurers run from about $31 to $94 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Gardner
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $374 | $31 | $1,917 | $160 |
| Farmers | $717 | $60 | $2,038 | $170 |
| State Farm | $653 | $54 | $2,184 | $182 |
| American Family | $893 | $74 | $2,361 | $197 |
| Farm Bureau Financial Services | $594 | $50 | $2,633 | $219 |
| Allstate | $1,122 | $94 | $3,174 | $265 |
| USAA (military families)* | $433 | $36 | $1,208 | $101 |
| Travelers* | $652 | $54 | $1,628 | $136 |
| GEICO* | $516 | $43 | $1,678 | $140 |
| Shelter Insurance* | $998 | $83 | $2,172 | $181 |
| Gardner average | $726 | $61 | $2,385 | $199 |
This table uses Gardner’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $71 a year on average in our Gardner data, with the same $500 deductibles. That’s about $6 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
For our benchmark driver, full coverage isn’t going up. Comparing the five insurers that are in both sets of rates, in the same Gardner ZIP code, their full-coverage average fell from $2,442 a year 10 months earlier to $2,227 in rates as of Sept. 30, 2026, an 8.8% drop. American Family cut its Gardner average 29.4% and State Farm 7.9%, while Farmers raised its average 4.7%; Farm Bureau Financial Services’ and Progressive’s averages were unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the Gardner average above. Liability-only coverage at 25/50/10 limits rose 2.4%, led by Farmers, which raised its liability-only average 19.5%.
Johnson County averages about $209 a month for full coverage, below the Kansas average, and Gardner is the least expensive of the 11 Johnson County cities and towns we price. Spring Hill, about seven miles southeast, averages $206, and De Soto, about 12 miles north, $207.
Liability-only coverage is where Gardner’s insurers differ most: Progressive averages about $31 a month at 25/50/10 limits, far below the other major insurers we compared, which start at about $50.
More Kansas cities and towns are in the Kansas rates by city table, and you can compare states on our car insurance rates by state page.
Olathe, about eight miles northeast, averages $203 a month, and Overland Park, about 18 miles northeast, $211. Lawrence, about 20 miles northwest, averages $201.
Drivers in Gardner follow Kansas’ rules. Every Kansas policy must include at least:
Our guide to Kansas car insurance requirements covers the no-fault rules, proof of insurance and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Kansas law and the Kansas Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Gardner, KS, costs about $199 a month ($2,385 a year) for full coverage and $61 a month for liability only at 25/50/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 10% below the Kansas average of $222 a month.
Of the insurers anyone can buy from, Travelers has the lowest full-coverage average in our Gardner table, at about $136 a month, effectively tied with GEICO at $140. USAA, which sells only to military families, is lower still, at about $101 a month. Among the six major insurers we compared, Progressive has the lowest full-coverage average, at about $160 a month, with Farmers close behind at $170. For liability-only coverage at 25/50/10 limits, averages among the six major insurers we compared run from about $31 to $94 a month. Five of the nine statewide Kansas rate studies we reviewed, all five published in 2026, rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, of the 74 Kansas cities and towns we price, by a small margin. For our benchmark driver, Gardner full coverage averages about $199 a month ($2,385 a year), $13 a year less than Wamego and $18 less than Stilwell. Prices depend on the driver, so compare quotes for your own car.
Gardner, for our benchmark driver. Gardner full coverage averages about $199 a month and Olathe about $203, a difference of about $4 a month for the same driver and car.
In our Gardner data, full coverage (100/300/100 with $500 deductibles) averages about $199 a month and liability-only coverage at 25/50/10 limits about $61, a difference of about $138 a month ($1,659 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Kansas law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past 10 months), their Gardner full-coverage average fell 8.8%, from about $2,442 to $2,227 a year. That’s lower than the Gardner average of $2,385 because it leaves out Allstate. American Family cut its Gardner average 29.4% and State Farm 7.9%, while Farmers raised its average 4.7%. Liability-only coverage at 25/50/10 limits rose 2.4%.
For our benchmark driver, full coverage in Gardner averages about $199 a month. Nearby, Olathe averages about $203, Lenexa about $209 and Overland Park about $211. Gardner is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
