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.
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.
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.
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.
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.
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).
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.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
Click the section of the wheel in your price range to see options.
Click an insurer below to visit their review page or continue to your personalized quote.
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.
Has the most affordable average rate at $827 per year
Received high marks in customer service
Provides basic supplementary coverages
Claims processing rating is below average
Doesn’t offer accident forgiveness
Limited add-on options
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.
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.
Scored highest in claims processing ratings
Excellent score in customer satisfaction
Original equipment manufacturer coverage available
More expensive than other options
Doesn’t provide roadside assistance
Earned an average score in coverages
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.
Most affordable policies at around $393 per year
Excellent customer service score
Discounts include bundling, anti-theft system and safe driving
Received average scores in claims and coverages
No paperless discount
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.
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