Compare the Cheapest Car Insurance Quotes in Garland, TX

Drivers in Garland typically pay around $1,375 per year for auto insurance, $59 more than the state average premium. The cheapest average rate is $833 from Farmers. MoneyGeek’s study includes the most affordable companies based on coverage level and driving history. MoneyGeek also ranked the best insurers in Garland for those focused on quality and cost.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 7/30/2022
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Drivers in Garland should consider Farmers as it has, on average, the cheapest rates for full and minimum coverage. However, rates can vary by driving profile and coverage amount. State Farm offers great deals for drivers with speeding tickets. Overall, State Farm and GEICO rank best for balancing costs and quality service.

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The Cheapest and Best Car Insurance in Garland

The Cheapest Car Insurance Companies in Garland

On average, MoneyGeek’s study found that the cheapest auto insurance companies for a full coverage policy in Garland are:

  • Farmers: $833 per year
  • GEICO: $958 per year

USAA, which is eligible only to current and former military members, offers affordable rates as well at $885 on average per year.

The General offers the most expensive insurance in Garland. Full coverage from this insurer costs an average of $2,889 per year, which is around three times more than Farmers.

Getting a full coverage policy means you have the most protection possible through liability, comprehensive and collision insurance.

Cheapest Car Insurance in Garland
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Farmers
    $833
  • 2.
    USAA
    $885
  • 3.
    GEICO
    $958
  • 4.
    State Farm
    $1,003
  • 5.
    Allstate
    $1,212
  • 6.
    Esurance
    $1,233
  • 7.
    AAA
    $1,241
  • 8.
    Nationwide
    $1,284
  • 9.
    Mercury
    $1,503
  • 10.
    MetLife
    $1,590
  • 11.
    The General
    $2,889

For this study, MoneyGeek’s methodology collected average insurance rates for a 40-year-old male driver.

Full coverage policies can be expensive as they come with more coverage. Aside from liability insurance, the optional types of insurance included in a full coverage policy are:

  • Collision Insurance: A type of coverage that helps pay for damages if you get into a collision with another vehicle or a stationary object.
  • Comprehensive Insurance: A type of coverage that helps pay for damages like theft, vandalism, natural disasters, glass damages, etc.

Drivers with older vehicles might risk paying more than the value of their car if they get full coverage. If your full coverage premiums are worth more than your car, it may be better to get a state minimum for a cheaper deal.

Compare Car Insurance Rates in Garland

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Garland for Minimum Coverage

Auto insurance prices are based on various factors. In Garland and elsewhere, the coverage amount you choose will have a significant impact on your annual premium. The average cost of a policy only meeting state minimums in Garland is $710 per year. That is $665 less than the average cost for a full coverage policy in the city, which is $1,375.

Cheapest Minimum Liability Car Insurance in Garland
State Minimum

The cheapest option for drivers on a budget is a state minimum policy where they get the most basic coverage. Cheaper premiums could help lower your monthly bills but may result in you paying out of pocket if your coverage doesn’t meet the costs of an accident. If you have to pay a total of $30,000 in property damages, for example, but you only have the minimum of $25,000 in coverage, the remaining $5,000 needs to be paid by you out of your pocket.

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Garland if You Have Driving Violations

Driving violations such as tickets, DUI and at-fault accidents can hurt your wallet when getting car insurance.

On average, the cheapest insurers for various violations include:

  • Cheapest after a ticket: State Farm, $1,003 per year
  • Cheapest after an at-fault accident: Farmers, $1,189 per year
  • Cheapest after a DUI: Farmers, $1,233 per year

You can find cheap policies after an accident if you wish to save on your premiums, even with a bad driving record. To help lower your rates, you can also work on improving your driving behaviors. In the meantime, it makes sense to shop around for policies for your driving profile.

Cheapest Car Insurance in Garland With a Violation
Speeding Ticket

Average Cost of Car Insurance in Garland

Garland$1,375
Texas$1,316
U.S.$1,424

On average, the annual car insurance rate in Garland is $1,375, which is higher than the standard auto insurance premium in the state of Texas, but still a bit lower than the national rate. Policyholders living in Garland pay 4.4% more than Texas’s average insurance rate of $1,316 per year, but they still pay 3.5% less than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Garland

The concept of car insurance revolves around risk management, so auto insurance providers evaluate the risks associated with you as a driver to compute your quote. To do this effectively, they need to consider several factors, such as your age, driving record, coverage level and make and model of your vehicle, in addition to your location.

An 18-year-old driver living in Garland, for example, will pay $2,347 for his auto coverage with GEICO, which is more than twice as expensive as similar coverage in the same company for a 70-year old driver.

Your specific car insurance quotes in Garland depend on your personal circumstances at the time of your inquiry, so you need to regularly request personalized quotes to check if you can qualify for any discounts or rebates.

Compare Car Insurance Rates in Garland

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Car Insurance Companies in Garland

MoneyGeek determined the best auto insurance companies in Garland by evaluating average rates, customer satisfaction and user claims ratings. Based on these criteria, the top car insurance companies in Garland are:

  • Farmers: MoneyGeek score of 93.8 out of 100
  • State Farm: MoneyGeek score of 92.6 out of 100

Due to USAA's exclusive focus on military members and their families, MoneyGeek did not include it in this evaluation. However, USAA received a MoneyGeek score of 96 out of 100, making it the best auto insurance provider in Garland for military members and their families.


1
Farmers
Score:94

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

Geek Quick Take
Geek Quick Take

Aside from obtaining exceptional user satisfaction, claims and financial stability scores, Farmers offers custom parts coverage to repair or replace aftermarket equipment. In Garland, a full coverage Farmers policy for a 40-year-old driver costs an average of $833 per year.

More About Farmers

Farmers provides three distinct coverage choices to complement your policy. For example, custom parts coverage pays to repair or replace aftermarket equipment, such as infotainment systems and custom wheels. Farmers also offers OEM coverage and glass deductible modification coverage. The first covers the cost of utilizing factory-original parts in covered repairs for vehicles up to 10 years old, while the second reduces the comprehensive deductible to $100 when the loss is limited to glass.

Read MoneyGeek's Farmers auto Insurance Review
2
State Farm
Score:93

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm scored a perfect financial stability score and excellent user satisfaction and claims scores. A full coverage policy in Garland costs an average of $1,003 a year. Policyholders can also supplement their coverage with rideshare insurance.

More About State Farm

State Farm consistently scores highly in all MoneyGeek rating categories, making it the second-best car insurance provider in Garland. Moreover, State Farm offers the addition of roadside assistance, rental car reimbursement, and rideshare coverage to a standard policy. Other insurance companies rarely offer rideshare insurance. However, this endorsement from State Farm means that all coverages from your personal policy remain in effect while you work for a ridesharing service, covering gaps between your personal and commercial insurance policies.

Read MoneyGeek's State Farm auto Insurance Review

Average Cost of Car Insurance by Postal Code

In addition to the standard cost of living, the number of car-related incidents and uninsured motorists differ depending on ZIP code, so your place of residence in Garland can affect how much you pay for your auto coverage. For instance, drivers who live in ZIP code 75040 will pay $36 more in annual car insurance premiums than policyholders in ZIP code 75044.

  • Zip Code
    State Minimumper year
  • 75044
    $1,351
  • 75040
    $1,386
  • 75043
    $1,386

Factors That Impact Insurance Costs in Garland

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Garland. How Garland ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities190th/300
handcuffs2 icon
Most Car Thefts144th/300
uninsured icon
Most Uninsured Motorists by State16th/50
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Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall142nd/300
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Most Rainy Days190th/300

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.