Buy Cheap Garden City, SD Auto Insurance (2021)

Garden City, SD auto insurance rates average $312 a month. Minimum auto insurance requirements in Garden City, South Dakota are 25/50/25 to comply with South Dakota laws. To buy cheap auto insurance in Garden City, SD, 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, SD after a DUI are $4,531/year
  • The most expensive auto insurance company in Garden City is Liberty Mutual
  • Average auto insurance rates in Garden City, SD are $312/month

Finding affordable Garden City, South Dakota auto insurance can be challenging, but everything you need to know to buy cheap Garden City, SD 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, SD car insurance rates compare to Vermillion auto insurance rates, Huron auto insurance rates, and Aberdeen auto insurance rates before you read more about the cost of auto insurance in Garden City.

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

Garden City, SD Minimum Auto Insurance Requirements

The required auto insurance in Garden City, SD is 25/50/25 according to the auto insurance laws in South Dakota. The minimum auto insurance in Garden City, South Dakota is outlined here.

Minimum Required Auto Insurance Coverage in Garden City, South Dakota

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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Find Cheap Garden City, SD Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Garden City, South Dakota

Insurance Company Poor Fair Good
Allstate $5,530 $4,323 $3,756
American Family $5,654 $4,074 $3,451
Farmers $3,888 $3,286 $3,150
GEICO $4,316 $2,191 $1,484
Liberty Mutual $9,750 $5,863 $4,600
Nationwide $3,028 $2,388 $2,096
Progressive $4,145 $3,456 $3,195
State Farm $3,023 $1,808 $1,401

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

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

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

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 $2,398 $2,454 $2,111 $2,258 $9,744 $11,624 $2,721 $2,983
American Family $3,184 $3,184 $2,812 $2,812 $6,503 $9,548 $3,184 $3,917
Farmers $1,800 $1,800 $1,583 $1,648 $8,115 $8,421 $2,015 $2,148
GEICO $2,137 $2,013 $2,041 $1,881 $4,398 $5,174 $1,873 $1,792
Liberty Mutual $3,762 $4,088 $2,968 $3,605 $14,670 $16,464 $3,950 $4,394
Nationwide $1,780 $1,829 $1,592 $1,700 $3,909 $5,045 $2,001 $2,174
Progressive $2,044 $2,010 $1,685 $1,737 $7,525 $8,548 $2,562 $2,678
State Farm $1,392 $1,392 $1,209 $1,209 $3,556 $4,546 $1,560 $1,759

Buy Cheap Garden City, SD 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, SD are listed here.

Annual Auto Insurance Rates for Teen Drivers in Garden City, South Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,744 $11,624
American Family $6,503 $9,548
Farmers $8,115 $8,421
GEICO $4,398 $5,174
Liberty Mutual $14,670 $16,464
Nationwide $3,909 $5,045
Progressive $7,525 $8,548
State Farm $3,556 $4,546

Buy Cheap Garden City, SD Auto Insurance for Seniors

You can save on senior auto insurance rates in Garden City, South Dakota 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, SD here.

Annual Auto Insurance Rates for Senior Drivers in Garden City, South Dakota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,111 $2,258
American Family $2,812 $2,812
Farmers $1,583 $1,648
GEICO $2,041 $1,881
Liberty Mutual $2,968 $3,605
Nationwide $1,592 $1,700
Progressive $1,685 $1,737
State Farm $1,209 $1,209

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

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

Annual Auto Insurance Rates by Coverage Level in Garden City, South Dakota

Insurance Company Low Medium High
Allstate $4,420 $4,529 $4,661
American Family $4,448 $4,526 $4,204
Farmers $3,303 $3,408 $3,613
GEICO $2,584 $2,660 $2,746
Liberty Mutual $6,616 $6,728 $6,869
Nationwide $2,363 $2,493 $2,655
Progressive $3,516 $3,573 $3,706
State Farm $2,004 $2,079 $2,150

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Find Cheap Garden City, SD 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, SD by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Garden City, South Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,426 $4,647
American Family $4,338 $4,448
Farmers $3,441 $3,441
GEICO $2,631 $2,696
Liberty Mutual $6,737 $6,737
Nationwide $2,504 $2,504
Progressive $3,599 $3,599
State Farm $2,027 $2,128

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

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

Annual Garden City, South Dakota Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,765 $4,366 $5,806 $4,210
American Family $3,192 $4,671 $6,053 $3,655
Farmers $2,929 $3,709 $3,618 $3,510
GEICO $1,684 $2,844 $4,443 $1,684
Liberty Mutual $5,678 $7,052 $7,325 $6,894
Nationwide $1,819 $2,511 $3,581 $2,105
Progressive $3,101 $4,214 $3,344 $3,735
State Farm $1,938 $2,218 $2,078 $2,078

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

The cost of DUI auto insurance in Garden City, South Dakota 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, SD auto insurance companies.

Annual Auto Insurance Rates After a DUI in Garden City, South Dakota

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,806
American Family $6,053
Farmers $3,618
GEICO $4,443
Liberty Mutual $7,325
Nationwide $3,581
Progressive $3,344
State Farm $2,078

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

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

Best Annual Auto Insurance Rates by Company in Garden City, South Dakota

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record GEICO
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation GEICO

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Find Cheap Garden City, South Dakota Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Garden City, South Dakota

Insurance Company Average Annual Rates
Allstate $4,537
American Family $4,393
Farmers $3,441
GEICO $2,664
Liberty Mutual $6,737
Nationwide $2,504
Progressive $3,599
State Farm $2,078

What affects Garden City, South Dakota auto insurance rates?

Local factors affect auto insurance rates in Garden City, SD, 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, SD is 43.3 minutes according to City-Data.

Compare Auto Insurance Quotes in Garden City, SD

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

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