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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The Cheapest and Best Car Insurance in Garland

The Cheapest Car Insurance Companies in Garland

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

  • Farmers: $833 per year
  • USAA: $885 per year (only available to current and former military members)

For this study, MoneyGeek collected average insurance rates for a 40-year-old male driver who has a full coverage policy with liability insurance and comprehensive and collision insurance.

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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.

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The Best Car Insurance Companies in Garland

MoneyGeek ranked the best companies in the city to help drivers looking for a balance of affordability and quality service. MoneyGeek’s study found that the top auto insurers in Garland for most drivers are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

USAA received the highest score in Garlan by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

MoneyGeek used a unique scoring system that evaluated insurance companies based on various factors, such as the J.D. Power’s user satisfaction, policy affordability and the company’s financial stability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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.

Shopping around for car insurance in Garland could save you $541, which is enough to buy:


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180Cups of Coffee
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42Months of Your Favorite Streaming Service

Cheapest Car Insurance in Garland by Coverage Amount

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.

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.

Different auto insurance coverage levels have different limits that are expressed in three numbers. For instance, GEICO offers both 50/100/50 liability-only and 50/100/50 full-coverage plans.

GEICO’s 50/100/50 liability-only plan has a maximum payout of $50,000 worth of medical bills per person, up to $100,000 per vehicle, with $50,000 worth of property damage coverage in case of an at-fault accident. Since the 50/100/50 liability-only plan only covers the other driver’s expenses, it is more affordable at an average rate of $579 annually.

GEICO’s 50/100/50 full-coverage plan costs $295 more than the liability-only plan, which makes sense since it also provides more financial protection in the form of added collision, comprehensive and uninsured motorist insurance.

Different car insurance companies in Garland have varying figures when it comes to premium differences between the two coverage levels, so it’s best that you get a personalized quote from several providers in the city to find the best deal for you.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Garland if You Have Driving Violations

You can still get the best car insurance in Garland, even if you have a moving violation or at-fault accident on your record, but you’ll need to pay extra. In Garland, drivers getting auto coverage from State Farm will pay on average $210 more for their policy if they have an at-fault accident on their record.

Additionally, a driver with a speeding ticket on their record will pay $165 more for his GEICO auto coverage than drivers with no moving violations. DUI is another factor that can affect your auto insurance rates, as having one on your record can significantly increase your premiums. Compared to a driver with a clean record, a driver with a DUI will pay $399 more for their Farmers car insurance policy.

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
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall142nd/300
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Most Rainy Days190th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Garland are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

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.