Buy Cheap Garden City, TX Auto Insurance (2021)

Garden City, TX auto insurance rates average $312 a month. Minimum auto insurance requirements in Garden City, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Garden City, TX, 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

  • The most expensive auto insurance company in Garden City is Allstate
  • Average auto insurance rates in Garden City, TX for teens drivers are $6,670/year
  • The most expensive auto insurance company in Garden City after a DUI is Allstate

Finding affordable Garden City, Texas auto insurance can be challenging, but everything you need to know to buy cheap Garden City, TX 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, TX car insurance rates compare to Austin auto insurance rates, Plano auto insurance rates, and Laredo auto insurance rates before you read more about the cost of auto insurance in Garden City.

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

Garden City, TX Minimum Auto Insurance Requirements

The required auto insurance in Garden City, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Garden City, Texas is outlined here.

Minimum Required Auto Insurance Coverage in Garden City, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Garden City, TX Auto Insurance by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $6,625 $4,858 $4,153
American Family $6,299 $3,907 $3,436
GEICO $4,531 $2,575 $1,725
Nationwide $4,539 $3,619 $3,149
Progressive $5,698 $4,945 $4,589
State Farm $3,442 $2,140 $1,705
USAA $3,300 $1,873 $1,498

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

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

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

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 $3,395 $3,443 $3,353 $3,353 $8,801 $10,692 $4,224 $4,436
American Family $2,722 $3,019 $2,540 $2,899 $7,226 $9,580 $3,906 $4,485
GEICO $2,222 $2,369 $2,085 $2,319 $4,746 $4,961 $2,409 $2,436
Nationwide $2,406 $2,457 $2,123 $2,259 $6,574 $8,492 $2,801 $3,040
Progressive $2,677 $2,504 $2,389 $2,433 $11,528 $12,809 $3,139 $3,140
State Farm $1,745 $1,745 $1,541 $1,541 $3,985 $5,045 $1,883 $1,947
USAA $1,446 $1,474 $1,368 $1,383 $3,831 $4,232 $1,936 $2,120

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,801 $10,692
American Family $7,226 $9,580
GEICO $4,746 $4,961
Nationwide $6,574 $8,492
Progressive $11,528 $12,809
State Farm $3,985 $5,045
USAA $3,831 $4,232

Buy Cheap Garden City, TX Auto Insurance for Seniors

You can save on senior auto insurance rates in Garden City, Texas 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, TX here.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,353 $3,353
American Family $2,540 $2,899
GEICO $2,085 $2,319
Nationwide $2,123 $2,259
Progressive $2,389 $2,433
State Farm $1,541 $1,541
USAA $1,368 $1,383

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

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

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

Insurance Company Low Medium High
Allstate $5,128 $5,181 $5,327
American Family $4,286 $4,417 $4,939
GEICO $2,823 $2,919 $3,088
Nationwide $4,078 $3,605 $3,624
Progressive $4,778 $5,045 $5,410
State Farm $2,318 $2,423 $2,546
USAA $2,165 $2,217 $2,290

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,094 $5,330
American Family $4,547 $4,547
GEICO $2,885 $3,002
Nationwide $3,769 $3,769
Progressive $5,077 $5,077
State Farm $2,429 $2,429
USAA $2,195 $2,252

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

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

Annual Garden City, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,104 $6,185 $6,455 $4,104
American Family $4,143 $5,280 $4,623 $4,143
GEICO $2,501 $3,262 $2,785 $3,225
Nationwide $3,263 $3,263 $4,857 $3,693
Progressive $4,420 $5,759 $5,161 $4,969
State Farm $2,179 $2,472 $2,886 $2,179
USAA $1,675 $2,433 $2,864 $1,922

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

The cost of DUI auto insurance in Garden City, Texas 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, TX auto insurance companies.

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,455
American Family $4,623
GEICO $2,785
Nationwide $4,857
Progressive $5,161
State Farm $2,886
USAA $2,864

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

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

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

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

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Find Cheap Garden City, Texas Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $5,212
American Family $4,547
GEICO $2,943
Nationwide $3,769
Progressive $5,077
State Farm $2,429
USAA $2,224

What affects Garden City, Texas auto insurance rates?

Local factors affect auto insurance rates in Garden City, TX, 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, TX is 26.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Garden City, TX

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

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