How to Find Cheap Gardner Auto Insurance Quotes
Gardner has the lowest full-coverage average of all 74 Kansas cities in our rate sample. Our benchmark driver pays about $199 a month here, 11% below the Kansas average and about $42 a month less than in Wichita.
Gardner sits on the southwest edge of Johnson County along I-35, and its prices look more like a small town’s than a Kansas City suburb’s, while minimum coverage stays close to the state average.
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 Gardner, KS?
- State Minimum Liability: about $61 a month ($726 a year).
- Full Coverage: about $199 a month ($2,385 a year), the lowest of the 74 Kansas cities in our data.
Filed-rate averages from Quadrant Information Services for one benchmark driver (single, 40, good credit, clean record, 2024 Toyota Camry LE) in Gardner ZIP code 66030. Methodology.
Cost data comes from insurers’ filed auto rates across the 1 Gardner ZIP code we price, compiled by Quadrant Information Services and updated as new rates are filed.
Which Company has the Cheapest Car Insurance in Gardner?
- Progressive has the lowest full-coverage average in Gardner at about $160 a month ($1,917 a year), the cheapest insurer-and-city combination on any of our Kansas city pages.
- Farmers is within 10% at $170 a month, with State Farm ($182) and American Family ($197) next.
- State-minimum liability averages about $61 a month across the six insurers; the table shows each company’s price.
These are prices for Gardner ZIP code 66030 and the 6 insurers in our Kansas data. Travelers and GEICO, at the bottom of the table, can be cheaper still.
| Insurance Provider: | State Minimum: | Monthly: | 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 |
| Travelers* | $503 | $42 | $1,770 | $148 |
| GEICO* | $430 | $36 | $1,877 | $156 |
| Shelter* | $808 | $67 | $2,300 | $192 |
How Gardner Compares Around Johnson County
Nearby towns are close behind: Stilwell averages about $200 a month for full coverage in our data, Olathe $203 and Spring Hill $206. Overland Park is about $211, and Kansas City, Kansas, about $256.
Raising liability from 50/100/50 to 100/300/100 adds about $6 a month here.
Even in the cheapest city in our data, insurers differ widely: the gap between the lowest and highest full-coverage average in Gardner is $1,257 a year.
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
Gardner’s low rates make full coverage more affordable than in most of Kansas: about $199 a month versus $61 for a minimum policy in our data. For a newer or financed car, that difference is what pays for collision and storm damage.
How to Save Money on Your Auto Policy
Gardner already has the lowest base price in our data. Here’s how to keep yours low:
- Get quotes from Progressive and Farmers: They were the two cheapest for full coverage in our Gardner data, about $10 a month apart.
- Don’t assume one company is cheapest everywhere: The insurer that’s cheapest for our benchmark driver may not be cheapest for you. Compare with your own details.
- Report your real commute: Many Gardner drivers commute to Olathe, Overland Park or Kansas City. Accurate annual mileage gives you an accurate rate.
- Bundle with your home policy: Multi-policy discounts are easy to get and add up.
- Re-shop each renewal: Filed rates change, and Gardner’s ranking could too.
Gardner (ZIP 66030) has the cheapest full coverage of 74 Kansas cities in our data, about $199 a month ($2,385 a year), with state minimum at $61, for a clean-record 40-year-old as of August 31, 2026. That is the lowest full-coverage average of the 74 Kansas cities in our data. Progressive is cheapest in Gardner at about $160 a month.
One of the easiest discounts to get is a multi-policy discount. If you own a home, compare Kansas home insurance rates while you shop for car insurance.
How We Calculated Gardner 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 66030, which covers Gardner.
- 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 $199 a month ($2,385 a year) for full coverage and $61 a month ($726 a year) for state-minimum coverage, for our benchmark 40-year-old driver in ZIP code 66030, based on filed rates as of August 31, 2026.
The state minimum is 25/50/25 liability, uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident, and personal injury protection with $4,500 per person for medical expenses, $900 a month in lost income for up to a year, $4,500 for rehabilitation and $2,000 for funeral costs.
Each driver’s own personal injury protection pays their medical and wage losses up to the policy limits, whoever caused the crash. Lawsuits for pain and suffering are allowed only once medical bills reach $2,000 or for serious injuries like a permanent injury or a fracture to a weight-bearing bone. Property damage is still handled through the at-fault driver’s liability coverage.
Progressive, at about $160 a month for full coverage in our data, followed by Farmers at $170. Travelers and GEICO often come in lower still, so compare a few quotes side by side. See all cities on our Kansas car insurance rates page.
In our data, yes. Of the 74 Kansas cities in our sample, Gardner has the lowest full-coverage average for our benchmark driver, followed closely by Wamego and Stilwell at about $200 a month.
You start from a low base price, but comparing insurers still matters: up to $1,257 a year separates the cheapest and most expensive for the same policy. Keep comprehensive for hail if your car is newer or financed.
- 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.
