Buy Cheap Garden City, CO Auto Insurance (2021)

Garden City, CO auto insurance rates average $299 a month. Minimum auto insurance requirements in Garden City, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Garden City, CO, compare Garden City auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Garden City, CO are $299/month
  • The most expensive auto insurance company in Garden City after a DUI is Allstate
  • The most expensive auto insurance company in Garden City is Allstate

Finding affordable Garden City, Colorado auto insurance can be challenging, but everything you need to know to buy cheap Garden City, CO auto insurance with confidence is right here. Auto insurance rates in Garden City are affected by local factors as well as personal ones like your driving record.

See how Garden City, CO car insurance rates compare to Aurora auto insurance rates, Greeley auto insurance rates, and Colorado Springs auto insurance rates before you read more about the cost of auto insurance in Garden City.

Don’t buy Garden City, CO auto insurance until you’ve compared rates. Get free Garden City, Colorado auto insurance quotes when you enter your ZIP code above.

Garden City, CO Minimum Auto Insurance Requirements

The required auto insurance in Garden City, CO is 25/50/15 according to the auto insurance laws in Colorado. The minimum auto insurance in Garden City, Colorado is outlined here.

Minimum Required Auto Insurance Coverage in Garden City, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Garden City, CO Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Garden City, CO. Take a look at Garden City, Colorado auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Garden City, Colorado

Insurance Company Poor Fair Good
Allstate $6,612 $5,094 $3,848
American Family $4,555 $3,253 $2,733
Farmers $5,755 $4,691 $4,455
GEICO $3,290 $2,739 $2,188
Liberty Mutual $3,447 $2,125 $1,694
Nationwide $4,099 $3,254 $2,838
Progressive $4,423 $3,781 $3,473
State Farm $4,489 $2,880 $2,319
USAA $4,339 $2,489 $2,000

Buy Cheap Garden City, CO Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Garden City, Colorado auto insurance rates? Find out how car insurance rates in Garden City, CO are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Garden City, Colorado

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 $3,196 $2,998 $2,875 $2,905 $10,935 $11,479 $3,534 $3,555
American Family $2,407 $2,407 $2,173 $2,173 $5,806 $7,794 $2,407 $2,942
Farmers $2,860 $2,828 $2,586 $2,790 $11,105 $11,194 $3,166 $3,206
GEICO $1,714 $1,885 $1,840 $2,106 $5,455 $5,763 $1,566 $1,585
Liberty Mutual $1,606 $1,556 $1,381 $1,518 $4,837 $5,256 $1,615 $1,611
Nationwide $2,263 $2,300 $2,028 $2,139 $5,724 $7,310 $2,605 $2,810
Progressive $2,362 $2,208 $2,071 $2,062 $8,125 $9,072 $2,657 $2,581
State Farm $1,982 $1,982 $1,795 $1,795 $5,926 $7,474 $2,228 $2,653
USAA $1,967 $1,958 $1,883 $1,880 $4,952 $5,658 $2,519 $2,728

Buy Cheap Garden City, CO Auto Insurance for Teen Drivers

Auto insurance for teenagers in Garden City can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Garden City, CO are listed here.

Annual Auto Insurance Rates for Teen Drivers in Garden City, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,935 $11,479
American Family $5,806 $7,794
Farmers $11,105 $11,194
GEICO $5,455 $5,763
Liberty Mutual $4,837 $5,256
Nationwide $5,724 $7,310
Progressive $8,125 $9,072
State Farm $5,926 $7,474
USAA $4,952 $5,658

Buy Cheap Garden City, CO Auto Insurance for Seniors

You can save on senior auto insurance rates in Garden City, Colorado by comparing Garden City senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Garden City, CO here.

Annual Auto Insurance Rates for Senior Drivers in Garden City, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,875 $2,905
American Family $2,173 $2,173
Farmers $2,586 $2,790
GEICO $1,840 $2,106
Liberty Mutual $1,381 $1,518
Nationwide $2,028 $2,139
Progressive $2,071 $2,062
State Farm $1,795 $1,795
USAA $1,883 $1,880

Find Cheap Auto Insurance Rates in Garden City, CO by Coverage Level

The amount of coverage you choose is a big factor in the cost of Garden City, Colorado auto insurance. Compare Garden City, CO auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Garden City, Colorado

Insurance Company Low Medium High
Allstate $4,887 $5,166 $5,501
American Family $3,322 $3,587 $3,632
Farmers $4,376 $4,899 $5,626
GEICO $2,441 $2,685 $3,092
Liberty Mutual $2,268 $2,412 $2,587
Nationwide $3,381 $3,402 $3,409
Progressive $3,574 $3,905 $4,198
State Farm $3,007 $3,233 $3,448
USAA $2,802 $2,943 $3,085

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Find Cheap Garden City, CO Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Garden City. Compare auto insurance rates in Garden City, CO by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Garden City, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,185 $5,185
American Family $3,438 $3,589
Farmers $4,967 $4,967
GEICO $2,684 $2,794
Liberty Mutual $2,422 $2,422
Nationwide $3,397 $3,397
Progressive $3,892 $3,892
State Farm $3,149 $3,309
USAA $2,861 $3,026

Find Cheap Garden City, CO Auto Insurance Rates by Driving Record

Auto insurance rates in Garden City, Colorado are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Garden City, CO, take a look at the average cost for various violations versus rates for a clean driving record in Garden City.

Annual Garden City, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,434 $5,093 $6,199 $5,011
American Family $2,601 $3,694 $4,813 $2,947
Farmers $4,182 $5,394 $5,325 $4,966
GEICO $1,922 $3,007 $3,534 $2,495
Liberty Mutual $2,127 $2,489 $2,572 $2,502
Nationwide $2,618 $3,570 $4,523 $2,879
Progressive $3,368 $4,728 $3,553 $3,921
State Farm $2,955 $3,503 $3,229 $3,229
USAA $2,153 $2,627 $4,570 $2,423

Find Cheap Garden City, CO Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Garden City, Colorado is higher than for a clean driving record. You can buy auto insurance after a DUI in Garden City for less when you shop around and compare rates from multiple Garden City, CO auto insurance companies.

Annual Auto Insurance Rates After a DUI in Garden City, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,199
American Family $4,813
Farmers $5,325
GEICO $3,534
Liberty Mutual $2,572
Nationwide $4,523
Progressive $3,553
State Farm $3,229
USAA $4,570

Winners by Category: Where to Buy Cheap Auto Insurance in Garden City, CO

Compare rates from the cheapest auto insurance companies in Garden City, CO for your needs. Take a look at how Garden City, Colorado auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Garden City, Colorado

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Find Cheap Garden City, Colorado Auto Insurance Companies

If you’re looking for the cheapest Garden City, CO auto insurance companies overall, you can compare them here. Find the best price for Garden City, Colorado car insurance by company.

Average Annual Auto Insurance Rates by Company in Garden City, Colorado

Insurance Company Average Annual Rates
Allstate $5,185
American Family $3,514
Farmers $4,967
GEICO $2,739
Liberty Mutual $2,422
Nationwide $3,397
Progressive $3,892
State Farm $3,229
USAA $2,943

What affects Garden City, Colorado auto insurance rates?

Local factors affect auto insurance rates in Garden City, CO, including traffic, theft statistics, and commute length. Take a look at the things that impact Garden City auto insurance rates.

Commute Times in Garden City

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Garden City, CO is 20.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Garden City, CO

You can buy cheap Garden City, CO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Garden City, Colorado auto insurance quotes from top companies.

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