Compare Rates and Save On Auto Insurance

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Your profile and needs will impact which insurer is best for you. Texas Farm Bureau Group offers the cheapest minimum and full coverage policies. It is also the cheapest for drivers with speeding tickets and military personnel. Our top pick for service is Chubb, while teens can get a good deal with Nationwide. The most affordable option for accidents is State Farm and Mercury for DUIs.

MoneyGeek Logo IconCheapest + BestCar InsuranceGarland
2023

Cheapest and Best Car Insurance in Garland

Cheapest Minimum Liability Car Insurance in Garland

The most affordable minimum coverage policies in Garland are offered by:

  • Texas Farm Bureau Group: $393 per year
  • State Farm: $432 per year

Dairyland has the priciest premiums at an average of $1,386 per year. As of October 2022, we found that State Farm provides the cheapest auto insurance in Texas, costing $321 per year. This difference in rates demonstrates how your location can impact your premiums.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$342

$28

Texas Farm Bureau

$393

$33

State Farm

$403

$34

State Farm

$432

$36

Allstate

$450

$38

Allstate

$463

$39

Mercury

$476

$40

Texas Farm Bureau

$504

$42

Mercury

$521

$43

State Farm

$529

$44

Allstate

$565

$47

Nationwide

$572

$48

AAA Texas

$588

$49

Nationwide

$601

$50

GEICO

$620

$52

AAA Texas

$620

$52

Mercury

$621

$52

GEICO

$651

$54

Progressive

$663

$55

Chubb

$676

$56

Progressive

$678

$56

Texas Farm Bureau

$687

$57

GEICO

$713

$59

Chubb

$743

$62

AAA Texas

$754

$63

State Farm

$769

$64

Foremost

$786

$66

National General

$790

$66

Progressive

$802

$67

Nationwide

$812

$68

National General

$816

$68

Texas Farm Bureau

$827

$69

State Farm

$841

$70

Allstate

$910

$76

Foremost

$923

$77

Nationwide

$947

$79

Allstate

$993

$83

National General

$1,004

$84

Texas Farm Bureau

$1,019

$85

Mercury

$1,026

$86

GEICO

$1,075

$90

Foremost

$1,081

$90

State Farm

$1,083

$90

Mercury

$1,086

$91

GEICO

$1,092

$91

Nationwide

$1,164

$97

AAA Texas

$1,184

$99

AAA Texas

$1,190

$99

GEICO

$1,283

$107

Chubb

$1,304

$109

Allstate

$1,330

$111

Dairyland

$1,338

$112

Chubb

$1,370

$114

Dairyland

$1,386

$115

Mercury

$1,408

$117

Nationwide

$1,411

$118

AAA Texas

$1,552

$129

Progressive

$1,567

$131

Chubb

$1,576

$131

National General

$1,608

$134

Progressive

$1,625

$135

Foremost

$1,635

$136

Dairyland

$1,641

$137

National General

$1,760

$147

Foremost

$1,762

$147

National General

$1,974

$164

Progressive

$2,037

$170

Dairyland

$2,183

$182

Foremost

$2,195

$183

Dairyland

$2,418

$201

Chubb

$2,459

$205

Dairyland

$2,956

$246

In the Lone Star state, liability-only policies must include coverage for bodily injury and property damage. The limits are:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Minimum coverage assists drivers at fault in an accident by paying for damages to the other driver and any passengers. The insurer will cover medical bills up to $30,000 per person and $60,000 per accident, regardless of how many passengers are involved. For expenses exceeding these limits, you should expect to shoulder the cost.

Cheapest Full Coverage Car Insurance in Garland

Garland drivers will most likely find the cheapest rates from the following companies:

  • Texas Farm Bureau Group: $827 per year
  • State Farm: $841 per year

Costing roughly $2,418 per year, Dairyland offers the most expensive rates in the city. Drivers who need cheap full coverage car insurance in Texas can consider State Farm. As of October 2022, its policies cost around $699 per year. Since the city in which you live can impact premiums, this explains why the cheapest provider is different.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$342

$28

Texas Farm Bureau

$393

$33

State Farm

$403

$34

State Farm

$432

$36

Allstate

$450

$38

Allstate

$463

$39

Mercury

$476

$40

Texas Farm Bureau

$504

$42

Mercury

$521

$43

State Farm

$529

$44

Allstate

$565

$47

Nationwide

$572

$48

AAA Texas

$588

$49

Nationwide

$601

$50

GEICO

$620

$52

AAA Texas

$620

$52

Mercury

$621

$52

GEICO

$651

$54

Progressive

$663

$55

Chubb

$676

$56

Progressive

$678

$56

Texas Farm Bureau

$687

$57

GEICO

$713

$59

Chubb

$743

$62

AAA Texas

$754

$63

State Farm

$769

$64

Foremost

$786

$66

National General

$790

$66

Progressive

$802

$67

Nationwide

$812

$68

National General

$816

$68

Texas Farm Bureau

$827

$69

State Farm

$841

$70

Allstate

$910

$76

Foremost

$923

$77

Nationwide

$947

$79

Allstate

$993

$83

National General

$1,004

$84

Texas Farm Bureau

$1,019

$85

Mercury

$1,026

$86

GEICO

$1,075

$90

Foremost

$1,081

$90

State Farm

$1,083

$90

Mercury

$1,086

$91

GEICO

$1,092

$91

Nationwide

$1,164

$97

AAA Texas

$1,184

$99

AAA Texas

$1,190

$99

GEICO

$1,283

$107

Chubb

$1,304

$109

Allstate

$1,330

$111

Dairyland

$1,338

$112

Chubb

$1,370

$114

Dairyland

$1,386

$115

Mercury

$1,408

$117

Nationwide

$1,411

$118

AAA Texas

$1,552

$129

Progressive

$1,567

$131

Chubb

$1,576

$131

National General

$1,608

$134

Progressive

$1,625

$135

Foremost

$1,635

$136

Dairyland

$1,641

$137

National General

$1,760

$147

Foremost

$1,762

$147

National General

$1,974

$164

Progressive

$2,037

$170

Dairyland

$2,183

$182

Foremost

$2,195

$183

Dairyland

$2,418

$201

Chubb

$2,459

$205

Dairyland

$2,956

$246

When you purchase full coverage, it includes collision and comprehensive insurance.

  • Collision Insurance: This provides financial protection for your car against non-collision incidents like natural disasters, theft and falling objects.
  • Comprehensive Insurance: Covers damages to your vehicle resulting from a crash with an object or vehicle.

Full coverage suits those with a newer car since it protects their investment. Otherwise, for cars with lower values, it might not be worth it.

Cheapest Car Insurance in Garland After a Driving Offense

Rates tend to change for drivers with a driving violation. We highlight the companies with the least expensive policies:

  • Speeding ticket: Texas Farm Bureau Group ($827 per year)
  • At-fault accident: State Farm ($1,050 per year)
  • DUI: Mercury ($1,414 per year)

On average, the most expensive quotes include Chubb for those with a DUI ($3,087 per year), Dairyland for drivers with a speeding ticket ($2,983 per year) and Foremost for those with an at-fault accident ($3,823 per year). Having a poor driving record can increase premiums. In some cases, the most affordable rates for drivers with a violation are pricier compared to quotes for drivers with a clean record.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$342

$28

Texas Farm Bureau

$393

$33

State Farm

$403

$34

State Farm

$432

$36

Allstate

$450

$38

Allstate

$463

$39

Texas Farm Bureau

$504

$42

State Farm

$519

$43

State Farm

$529

$44

State Farm

$552

$46

Allstate

$565

$47

Texas Farm Bureau

$624

$52

State Farm

$659

$55

Texas Farm Bureau

$670

$56

Mercury

$672

$56

Nationwide

$679

$57

Texas Farm Bureau

$687

$57

Mercury

$689

$57

GEICO

$705

$59

Nationwide

$708

$59

Chubb

$730

$61

Progressive

$737

$61

GEICO

$742

$62

State Farm

$769

$64

Allstate

$772

$64

GEICO

$773

$64

Texas Farm Bureau

$787

$66

AAA Texas

$790

$66

Allstate

$792

$66

Progressive

$800

$67

Chubb

$803

$67

State Farm

$804

$67

Progressive

$807

$67

Mercury

$808

$67

Mercury

$825

$69

Allstate

$827

$69

Texas Farm Bureau

$827

$69

AAA Texas

$834

$70

State Farm

$837

$70

State Farm

$841

$70

Mercury

$842

$70

Allstate

$848

$71

GEICO

$860

$72

Texas Farm Bureau

$862

$72

Mercury

$876

$73

Progressive

$877

$73

Foremost

$884

$74

AAA Texas

$888

$74

Progressive

$894

$74

National General

$897

$75

Allstate

$910

$76

National General

$911

$76

Texas Farm Bureau

$911

$76

National General

$926

$77

GEICO

$928

$77

Nationwide

$929

$77

AAA Texas

$931

$78

AAA Texas

$938

$78

State Farm

$944

$79

Foremost

$945

$79

National General

$947

$79

GEICO

$948

$79

Nationwide

$959

$80

Progressive

$965

$80

Allstate

$968

$81

State Farm

$972

$81

AAA Texas

$983

$82

Allstate

$993

$83

Nationwide

$996

$83

Chubb

$1,011

$84

AAA Texas

$1,014

$85

Texas Farm Bureau

$1,019

$85

Mercury

$1,022

$85

Allstate

$1,037

$86

Foremost

$1,047

$87

State Farm

$1,050

$88

Progressive

$1,072

$89

State Farm

$1,083

$90

Chubb

$1,110

$92

GEICO

$1,110

$93

GEICO

$1,111

$93

Foremost

$1,128

$94

National General

$1,137

$95

National General

$1,139

$95

AAA Texas

$1,140

$95

Foremost

$1,183

$99

Progressive

$1,184

$99

Texas Farm Bureau

$1,191

$99

Texas Farm Bureau

$1,194

$99

Nationwide

$1,194

$100

AAA Texas

$1,196

$100

Nationwide

$1,200

$100

Mercury

$1,214

$101

GEICO

$1,217

$101

Nationwide

$1,231

$103

National General

$1,238

$103

Foremost

$1,244

$104

Progressive

$1,248

$104

Nationwide

$1,267

$106

GEICO

$1,273

$106

GEICO

$1,277

$106

National General

$1,295

$108

State Farm

$1,318

$110

Chubb

$1,322

$110

Allstate

$1,330

$111

Mercury

$1,330

$111

Dairyland

$1,357

$113

Nationwide

$1,360

$113

Texas Farm Bureau

$1,369

$114

Texas Farm Bureau

$1,389

$116

Dairyland

$1,405

$117

Chubb

$1,409

$117

Mercury

$1,414

$118

GEICO

$1,423

$119

Nationwide

$1,435

$120

Chubb

$1,453

$121

State Farm

$1,475

$123

Chubb

$1,479

$123

Allstate

$1,481

$123

National General

$1,483

$124

Mercury

$1,491

$124

GEICO

$1,546

$129

State Farm

$1,554

$129

AAA Texas

$1,557

$130

AAA Texas

$1,558

$130

Allstate

$1,564

$130

GEICO

$1,581

$132

Allstate

$1,587

$132

Nationwide

$1,607

$134

Mercury

$1,619

$135

Nationwide

$1,627

$136

Texas Farm Bureau

$1,659

$138

Dairyland

$1,664

$139

Allstate

$1,668

$139

Texas Farm Bureau

$1,697

$141

Chubb

$1,703

$142

GEICO

$1,724

$144

AAA Texas

$1,730

$144

AAA Texas

$1,730

$144

Nationwide

$1,744

$145

Mercury

$1,786

$149

Dairyland

$1,790

$149

AAA Texas

$1,806

$150

AAA Texas

$1,807

$151

Mercury

$1,810

$151

State Farm

$1,821

$152

Progressive

$1,840

$153

Foremost

$1,866

$156

National General

$1,867

$156

Progressive

$1,871

$156

Mercury

$1,887

$157

Dairyland

$1,906

$159

GEICO

$1,945

$162

Chubb

$1,950

$162

Dairyland

$1,989

$166

Foremost

$1,992

$166

Foremost

$1,993

$166

National General

$1,997

$166

Progressive

$2,000

$167

Nationwide

$2,019

$168

Foremost

$2,023

$169

GEICO

$2,027

$169

GEICO

$2,034

$170

Progressive

$2,038

$170

AAA Texas

$2,039

$170

Dairyland

$2,040

$170

Chubb

$2,047

$171

National General

$2,096

$175

Texas Farm Bureau

$2,098

$175

National General

$2,115

$176

Allstate

$2,128

$177

Nationwide

$2,136

$178

Mercury

$2,137

$178

Dairyland

$2,160

$180

Foremost

$2,176

$181

Dairyland

$2,204

$184

National General

$2,234

$186

Nationwide

$2,237

$186

Allstate

$2,241

$187

AAA Texas

$2,266

$189

Progressive

$2,274

$189

Chubb

$2,356

$196

Dairyland

$2,358

$197

AAA Texas

$2,367

$197

Foremost

$2,371

$198

Foremost

$2,432

$203

Progressive

$2,434

$203

Dairyland

$2,438

$203

National General

$2,485

$207

Foremost

$2,507

$209

Chubb

$2,553

$213

Foremost

$2,560

$213

National General

$2,571

$214

Progressive

$2,577

$215

Mercury

$2,632

$219

Mercury

$2,646

$221

Chubb

$2,658

$222

Nationwide

$2,668

$222

Chubb

$2,681

$223

Progressive

$2,682

$224

National General

$2,810

$234

National General

$2,852

$238

Dairyland

$2,980

$248

Dairyland

$2,983

$249

Dairyland

$3,032

$253

Progressive

$3,055

$255

Chubb

$3,087

$257

Dairyland

$3,366

$280

Dairyland

$3,372

$281

Dairyland

$3,585

$299

Chubb

$3,679

$307

Dairyland

$3,758

$313

Foremost

$3,823

$319

Foremost

$4,476

$373

Foremost

$4,537

$378

Chubb

$4,819

$402

Auto insurance rates usually increase after a severe violation because insurers deem drivers as high-risk since they’re more likely to file a claim. Rates for those with a DUI increase by $608, while those with a ticket on their record pay $269 more. The good news is that there are cheap car insurance options for those with poor driving records.

Cheapest Car Insurance in Garland for Teens and Their Families

For a 16-year-old driver on a family policy, we list the cheapest premiums in Garland:

  • Nationwide: $1,705 per year for female teens; $1,944 for male teens
  • State Farm: $2,184 per year for female teens; $2,642 for male teens

On average, the most expensive company is Allstate, charging around $7,142 per year for female teens and $8,406 per year for male teens. With Nationwide, there’s a rate difference of $239 between male and female teen drivers. Car insurance for teenage males is typically pricier since they are considered riskier to insure. This difference does tend to go away in adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$776

$3,663

State Farm

$904

$4,267

State Farm

$928

$4,982

State Farm

$974

$4,597

Nationwide

$1,119

$2,554

Nationwide

$1,132

$2,749

Nationwide

$1,182

$3,429

Nationwide

$1,253

$3,938

Nationwide

$1,259

$2,875

Nationwide

$1,278

$3,210

State Farm

$1,298

$4,400

Nationwide

$1,328

$3,031

Nationwide

$1,337

$3,248

Nationwide

$1,350

$3,673

Nationwide

$1,418

$3,445

State Farm

$1,421

$5,275

State Farm

$1,457

$4,940

State Farm

$1,539

$6,094

Nationwide

$1,589

$5,588

State Farm

$1,603

$5,435

Nationwide

$1,621

$6,569

Nationwide

$1,657

$4,808

Nationwide

$1,705

$7,102

State Farm

$1,705

$7,275

State Farm

$1,736

$6,442

Nationwide

$1,742

$7,057

State Farm

$1,781

$6,708

Nationwide

$1,797

$7,148

GEICO

$1,806

$3,379

Allstate

$1,812

$2,416

GEICO

$1,825

$4,078

GEICO

$1,830

$3,255

Nationwide

$1,847

$8,314

GEICO

$1,851

$3,462

GEICO

$1,855

$3,301

Nationwide

$1,866

$5,866

GEICO

$1,868

$4,075

GEICO

$1,895

$3,721

GEICO

$1,932

$3,615

GEICO

$1,935

$3,733

Nationwide

$1,944

$8,994

Allstate

$1,952

$2,490

GEICO

$1,957

$3,483

State Farm

$1,961

$8,260

Nationwide

$1,986

$8,938

State Farm

$2,119

$9,194

State Farm

$2,135

$8,040

GEICO

$2,144

$5,461

GEICO

$2,163

$4,831

State Farm

$2,179

$9,180

State Farm

$2,184

$10,165

Allstate

$2,198

$2,930

GEICO

$2,226

$5,562

Allstate

$2,233

$3,438

GEICO

$2,260

$4,932

Progressive

$2,274

$3,538

GEICO

$2,326

$6,534

Allstate

$2,344

$3,124

Progressive

$2,364

$5,796

Progressive

$2,366

$3,499

State Farm

$2,372

$10,325

GEICO

$2,423

$6,718

Foremost

$2,471

$4,085

Foremost

$2,539

$3,514

Allstate

$2,563

$3,270

Progressive

$2,570

$6,275

GEICO

$2,593

$7,284

Allstate

$2,619

$4,001

State Farm

$2,633

$11,460

State Farm

$2,642

$12,706

Allstate

$2,647

$3,900

Foremost

$2,662

$3,684

GEICO

$2,664

$8,633

Foremost

$2,673

$3,866

Foremost

$2,697

$3,733

Progressive

$2,698

$3,989

Foremost

$2,729

$4,650

GEICO

$2,744

$7,607

Progressive

$2,754

$4,285

Foremost

$2,758

$3,689

GEICO

$2,820

$9,125

Allstate

$2,824

$3,603

Progressive

$2,826

$7,868

Progressive

$2,848

$5,022

Progressive

$2,891

$5,431

Progressive

$2,905

$7,123

Progressive

$2,931

$4,334

Foremost

$2,964

$3,966

Foremost

$3,020

$4,372

Progressive

$3,047

$4,741

Foremost

$3,091

$4,135

Allstate

$3,095

$4,557

Progressive

$3,199

$8,981

Foremost

$3,260

$10,906

Progressive

$3,351

$8,182

Foremost

$3,353

$11,052

Foremost

$3,398

$11,368

Allstate

$3,519

$6,314

Foremost

$3,528

$11,628

Progressive

$3,590

$16,149

Foremost

$3,616

$7,102

Allstate

$3,625

$5,341

Foremost

$3,652

$7,195

Foremost

$3,848

$16,338

Progressive

$3,996

$18,124

Foremost

$4,003

$6,821

Foremost

$4,008

$16,950

Progressive

$4,012

$18,824

Foremost

$4,082

$6,749

Allstate

$4,152

$7,475

Progressive

$4,260

$19,163

Allstate

$4,284

$6,308

Progressive

$4,413

$20,779

Progressive

$4,663

$21,149

Allstate

$5,387

$7,610

Allstate

$6,334

$8,964

Allstate

$6,596

$9,318

Allstate

$7,142

$13,342

Allstate

$7,755

$10,976

Allstate

$8,406

$15,750

A quick and simple way to save on your monthly premiums is to add your teen to your family policy. Our research found that rates for male teens in Garland can be $3,267 higher when they get their own policy as opposed to being on a parent’s plan. If you need a few options that can cut costs, we found the cheapest car insurance for teens.

Cheapest Car Insurance in Garland for Military Drivers

Active military members, veterans and their families can find cheap car insurance that caters to military personnel. The cheapest providers are:

  • Texas Farm Bureau Group: $827 per year
  • State Farm: $841 per year

USAA is another stellar option since it’s exclusive to those with a military background. An average USAA policy costs $932 per year. The rates listed are for full coverage.

Drivers who need minimum coverage can get affordable rates with Texas Farm Bureau Group ($393 per year) and USAA ($432 per year).

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$342

$28

Texas Farm Bureau

$393

$33

State Farm

$403

$34

USAA

$432

$36

State Farm

$432

$36

Allstate

$450

$38

USAA

$462

$39

Allstate

$463

$39

Mercury

$476

$40

Texas Farm Bureau

$504

$42

USAA

$521

$43

Mercury

$521

$43

State Farm

$529

$44

Allstate

$565

$47

Nationwide

$572

$48

AAA Texas

$588

$49

Nationwide

$601

$50

GEICO

$620

$52

AAA Texas

$620

$52

Mercury

$621

$52

GEICO

$651

$54

Progressive

$663

$55

Chubb

$676

$56

Progressive

$678

$56

Texas Farm Bureau

$687

$57

GEICO

$713

$59

Chubb

$743

$62

AAA Texas

$754

$63

State Farm

$769

$64

Foremost

$786

$66

National General

$790

$66

Progressive

$802

$67

Nationwide

$812

$68

National General

$816

$68

Texas Farm Bureau

$827

$69

State Farm

$841

$70

Allstate

$910

$76

USAA

$919

$77

Foremost

$923

$77

USAA

$932

$78

Nationwide

$947

$79

Allstate

$993

$83

National General

$1,004

$84

Texas Farm Bureau

$1,019

$85

Mercury

$1,026

$86

GEICO

$1,075

$90

Foremost

$1,081

$90

State Farm

$1,083

$90

Mercury

$1,086

$91

GEICO

$1,092

$91

USAA

$1,136

$95

Nationwide

$1,164

$97

AAA Texas

$1,184

$99

AAA Texas

$1,190

$99

GEICO

$1,283

$107

Chubb

$1,304

$109

Allstate

$1,330

$111

Dairyland

$1,338

$112

Chubb

$1,370

$114

Dairyland

$1,386

$115

Mercury

$1,408

$117

Nationwide

$1,411

$118

AAA Texas

$1,552

$129

Progressive

$1,567

$131

Chubb

$1,576

$131

National General

$1,608

$134

Progressive

$1,625

$135

Foremost

$1,635

$136

Dairyland

$1,641

$137

National General

$1,760

$147

Foremost

$1,762

$147

National General

$1,974

$164

Progressive

$2,037

$170

Dairyland

$2,183

$182

Foremost

$2,195

$183

Dairyland

$2,418

$201

Chubb

$2,459

$205

Dairyland

$2,956

$246

How to Compare Cheap Garland Car Insurance Quotes Online

It can take approximately 15 minutes or more to enter your personal information into an auto insurer’s online quote tool. For a less time-consuming process, use MoneyGeek’s calculator to immediately get your auto insurance quote. All you need to do is enter the make and model of your vehicle, your age, your driving record and your desired coverage level.

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Best Car Insurance in Garland: Summary

The best auto insurance for you depends on your priorities. The best insurers in Garland include:

  • Best overall: Texas Farm Bureau Group (MoneyGeek score of 81 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: Texas Farm Bureau Group (MoneyGeek score of 81 out of 100)

Overall, the best auto insurance in Texas is Texas Farm Bureau Group. An outstanding insurance provider for military personnel is USAA, earning a MoneyGeek score of 83 out of 100. Note that scores may change depending on the weighting of each category.

Best Overall Car Insurance in Garland

We evaluated affordability and customer satisfaction ratings to handpick the best auto insurance providers in Garland. The best options include:

  • Texas Farm Bureau Group: MoneyGeek score of 81 out of 100 ($827 per year)
  • State Farm: MoneyGeek score of 76 out of 100 ($841 per year)

Texas Farm Bureau Group offers the cheapest quotes and scored highly in service quality. USAA is a great pick for those with a military background, receiving a MoneyGeek score of 83 out of 100.

Texas Farm Bureau

pros

Has the most affordable average rate at $827 per year

Received high marks in customer service

Provides basic supplementary coverages

cons

Claims processing rating is below average

Doesn’t offer accident forgiveness

Limited add-on options

COMPANY HIGHLIGHTS

You can get great value for your premiums from Texas Farm Bureau Group. It offers excellent quality service for the most affordable rates. Although it has limited coverage options, its add-ons are available to almost all drivers.

If you encounter a covered loss, rental reimbursement covers car rental expenses if your vehicle is undergoing repairs. Policyholders have the flexibility to choose this coverage’s limits. You can only purchase rental reimbursement if you have both comprehensive and collision coverage. This coverage suits those who drive often or do lengthy drives.

With Texas Farm Bureau Group, roadside assistance is available 24/7 and is beneficial to those who need support for unexpected vehicle breakdowns. Covered services include towing, flat tire repair, fuel delivery and locksmith services. Drivers are covered for related costs up to $120 but must pay out-of-pocket beyond this cap.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Garland for Customer Service

We didn’t include costs in our calculation when determining the top auto insurance provider for customer satisfaction. The category winners are:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,576 per year)
  • Foremost: MoneyGeek score of 67 out of 100 ($1,635 per year)

While Chubb offers excellent service and claims management, it has relatively pricey rates. This indicates that you will pay more for excellent service.

Chubb

pros

Scored highest in claims processing ratings

Excellent score in customer satisfaction

Original equipment manufacturer coverage available

cons

More expensive than other options

Doesn’t provide roadside assistance

Earned an average score in coverages

COMPANY HIGHLIGHTS

Chubb pairs exceptional service quality with prompt claims management. The company also offers original equipment manufacturer coverage, a rare add-on that most providers don’t offer.

With original equipment manufacturer (OEM) coverage, you’re guaranteed aftermarket parts won’t be used to fix your car so that your vehicle’s safety systems work properly. This fits drivers who prefer to maintain their cars with original parts.

Consider agreed value coverage if you want to save thousands of dollars in the event your car is declared a total loss. Getting this coverage means that you and the insurer agree on the value of your vehicle when you purchase a Chubb policy. Rental car reimbursement also helps you pay for a car rental should you need it. This can be a useful addition if you’re often on the road. Policyholders can secure coverage up to $5,000 with no daily limit.

Best Cheap Car Insurance Companies in Garland

Based on Texas law, we selected the best insurers for minimum coverage. Our picks are:

  • Texas Farm Bureau Group: MoneyGeek score of 81 out of 100 ($393 per year)
  • State Farm: MoneyGeek score of 76 out of 100 ($432 per year)

Aside from liability costs, minimum coverage policies that offer the lowest prices may not provide sufficient protection for damage to your car in the event you encounter an accident. Although minimum coverage policies boast low rates, its coverage is often very limited.

Texas Farm Bureau

pros

Most affordable policies at around $393 per year

Excellent customer service score

Discounts include bundling, anti-theft system and safe driving

cons

Received average scores in claims and coverages

No paperless discount

COMPANY HIGHLIGHTS

Texas Farm Bureau Group is a great option for drivers who want a combination of affordability and service quality. Possible discounts aside, an average monthly premium costs $33. You can take advantage of handy discounts to further decrease rates.

Drivers who maintain a clean driving record or insure more than one vehicle with Texas Farm Bureau Group can likely get a discount to lower their rates. Other ways to snag a discount are to bundle your home or renters insurance or install an anti-theft system or similar safety devices.

Drivers below the age of 25 that have finished an accredited driver training course can also get a driver’s education discount. Texas Farm Bureau Group also offers a discount for students who can maintain good academic standing.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Garland

The average annual rate for a full coverage policy in Garland is $1,322, while the cost of auto insurance in Texas is roughly $121 less. When weighed against the national average rate of $1,265 per year, Garland’s rates are $57 more.

These rates are for a policy with comprehensive and collision coverage. The limits are $100,000 in bodily injury liability per person, $100,000 in property damage liability per accident and $300,000 in bodily injury liability per accident. Where you live is just one factor that impacts premiums.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.