In Garland, Texas, the best car insurance provider depends on your needs. For both minimum and full coverages, Texas Farm Bureau offers the lowest rates. Nationwide is the most affordable for families with teen drivers. Chubb stands out for its excellent customer service and overall value, balancing price with quality.
Cheapest and Best Car Insurance in Garland, TX (August 2024)
Texas Farm Bureau offers Garland's cheapest minimum car insurance at $393 yearly. Chubb, with a MoneyGeek score of 91 out of 100, is the best overall for affordability and service.
Updated: October 16, 2024
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Cheapest and Best Car Insurance in Garland
Why Trust MoneyGeek? We analyzed 328,384 quotes from 14 companies in Texas, including the city of Garland. We used six sources and original research to rate the cheapest companies and develop a scoring system for Garland insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Garland, TX, as of August 2024.
Cheapest Minimum Coverage Car Insurance in Garland
Texas Farm Bureau offers the cheapest car insurance for minimum coverage in Garland.
- Texas Farm Bureau: $393 per year
- Mercury: $527 per year
Dairyland has the most expensive car insurance at $2,560 per year, which is $2,167 more than the cheapest option. Comparing rates can help you find the best deal and maximize your savings.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Texas Farm Bureau | $393 | $33 |
Mercury | $527 | $44 |
State Farm | $585 | $49 |
Progressive | $705 | $59 |
National General | $752 | $63 |
AAA Texas | $815 | $68 |
Chubb | $888 | $74 |
Allstate | $920 | $77 |
GEICO | $925 | $77 |
Nationwide | $1,193 | $99 |
Foremost | $1,292 | $108 |
Dairyland | $2,560 | $213 |
State Minimum Liability Requirements
Texas law requires all drivers to have car insurance. The minimum coverage includes:
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $25,000 property damage liability per accident
If you cause an accident and only have minimum coverage, your insurance will pay up to $30,000 for one person’s injuries and up to $60,000 for everyone hurt in the accident. If the injuries cost more, you’ll have to pay the difference.
Cheapest Full Coverage Car Insurance in Garland
Texas Farm Bureau provides the cheapest full coverage car insurance in Garland.
- Texas Farm Bureau: $827 per year
- State Farm: $1,198 per year
Dairyland has the most expensive full coverage policy in Garland, costing $3,966 more than Texas Farm Bureau. Compare rates to find the best deal for full coverage, which is more expensive than minimum coverage due to its comprehensive protection.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Texas Farm Bureau | $827 | $69 |
State Farm | $1,198 | $100 |
Progressive | $1,419 | $118 |
National General | $1,569 | $131 |
AAA Texas | $1,643 | $137 |
GEICO | $1,678 | $140 |
Allstate | $1,788 | $149 |
Chubb | $1,877 | $156 |
Mercury | $1,955 | $163 |
Nationwide | $2,205 | $184 |
Foremost | $2,682 | $223 |
Dairyland | $4,793 | $399 |
Why You Need Full Coverage in Texas
A full coverage policy includes comprehensive coverage for damage to your vehicle and collision coverage. It also comes with increased liability limits.
- Collision insurance covers your vehicle against accidents involving other vehicles, objects like trees or light poles, rollovers and pothole damage.
- Comprehensive insurance covers non-collision incidents that cause vehicle damage or loss, such as theft, natural disasters and collisions with animals like deer.
Selecting full coverage insurance is wise for new cars to protect your investment. For older vehicles, the cost of additional coverage outweighs the benefits, adding hundreds to your premiums. If you lease or loan a car, full coverage is required.
To know how much car insurance you need, weigh the pros of increased protection against the cost of higher premiums. This balance is crucial, as lower coverage could leave you underinsured.
Cheapest Car Insurance in Garland After a Driving Offense
In Garland, Texas Farm Bureau has the cheapest car insurance for drivers with various violations. Here's the lowest rate per driving offense:
- Speeding ticket: $827 per year
- At-fault accident: $1,369 per year
- DUI: $1,659 per year
Dairyland charges the highest rates for driving offenses in Garland. For example, a speeding ticket with Dairyland can cost $6,007 annually, $5,180 more than Texas Farm Bureau for the same offense. This significant price difference makes comparing rates crucial, as the severity of driving offenses can greatly affect car insurance costs.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
Texas Farm Bureau | $827 | $69 |
State Farm | $1,198 | $100 |
Allstate | $1,788 | $149 |
Progressive | $1,844 | $154 |
GEICO | $1,959 | $163 |
National General | $2,096 | $175 |
Chubb | $2,118 | $177 |
AAA Texas | $2,119 | $177 |
Nationwide | $2,576 | $215 |
Mercury | $2,806 | $234 |
Foremost | $3,133 | $261 |
Dairyland | $6,007 | $501 |
Insurance rates often go up with more serious driving violations. In Garland, drivers with a DUI might pay around $4,009 per year, while those with a speeding ticket might pay about $3,230. If you have driving offenses, comparing insurance rates can help you save a lot of money.
Cheapest Car Insurance in Garland for Teens and Their Families
Nationwide offers the cheapest car insurance for teens in Garland. Here are the least expensive options for adding a teen to a policy shared with two parents:
- Nationwide: $1,705 per year for female teens and $1,944 per year for male
- State Farm: $2,184 per year for female teens and $2,642 per year for male
Allstate has the most expensive car insurance for families with teen drivers in Garland. For a female teenager, it costs $7,142 per year, which is a lot more than other companies. Compare rates to find the best deal for teen drivers, who are more likely to get into accidents.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
Nationwide | $1,705 | $4,220 |
State Farm | $2,184 | $3,067 |
GEICO | $2,664 | $3,688 |
Foremost | $3,848 | $10,875 |
Progressive | $4,012 | $11,956 |
Allstate | $7,142 | $8,306 |
Teens can face high car insurance costs. An individual policy for a teenager averages $7,894 per year, while adding a teen to a family plan costs about $4,039. Insurers see teen drivers as higher risk due to their inexperience, leading to higher premiums for individual policies. Families can save money and improve their approval chances by opting for a joint policy.
Cheapest Car Insurance in Garland for Military Drivers
Texas Farm Bureau provides the cheapest car insurance for military backgrounds in Garland. For the most affordable rates, consider the following providers:
- Texas Farm Bureau: $827 per year
- USAA: $1,157 per year
USAA comes in second, with tailored services and coverage options for veterans and active military. For those eligible, USAA's specialized benefits can be particularly valuable.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Texas Farm Bureau | $827 | $69 |
USAA | $1,157 | $96 |
State Farm | $1,198 | $100 |
Progressive | $1,419 | $118 |
National General | $1,569 | $131 |
AAA Texas | $1,643 | $137 |
GEICO | $1,678 | $140 |
Allstate | $1,788 | $149 |
Chubb | $1,877 | $156 |
Mercury | $1,955 | $163 |
Nationwide | $2,205 | $184 |
Foremost | $2,682 | $223 |
Dairyland | $4,793 | $399 |
How to Compare Cheap Garland Car Insurance Quotes Online
In Garland, comparing rates helps you save on car insurance. However, it can take about 15 minutes per insurer and up to over an hour for three or more companies. MoneyGeek's car insurance calculator can help make the process much easier. Enter key details like age, driving history, credit rating and coverage preferences to get an instant estimate.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 08, 2024
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Best Car Insurance in Garland: Summary
Choosing the right auto insurance depends on how you prioritize factors like service, cost and coverage. In Garland, Chubb leads in all categories and has the highest MoneyGeek scores.
- Best overall: 91 out of 100
- Best for service: 92 out of 100
- Best cheap: 90 out of 100
Chubb provides the best value, combining affordability with top-notch service. The insurer offers cost-effective insurance without sacrificing quality, making it the best choice for both value and customer experience.
Best Overall Car Insurance in Garland
Chubb offers the best car insurance for full coverage in Garland.
- Chubb: MoneyGeek score of 91 out of 100 ($1,877 per year)
- Foremost: MoneyGeek score of 74 out of 100 ($2,682 per year)
Chubb stands out in Garland for its comprehensive full coverage policy. The high MoneyGeek score reflects its excellent satisfaction and affordability ratings, indicating the quality and value Chubb offers to policyholders.
Chubb's high MoneyGeek score is due to its excellent claims handling and customer satisfaction scores. It offers rental car and/or travel reimbursement and roadside assistance. Its OEM coverage helps maintain vehicle integrity with original parts after a claim. Chubb also provides diminished value coverage, which protects against loss in resale value after an accident.
- Ranks first in Garland for claims experience
- Ranks second in the city for coverages
- Ranks eighth in the city for cost, with an annual premium of $1,877
- No gap insurance
MoneyGeek ranks Garland's best auto insurers, prioritizing customer satisfaction and cost while also considering claims, coverage and financial health.
Best Car Insurance in Garland for Customer Service
Chubb provides the best customer service for car insurance in Garland.
- Chubb: MoneyGeek score of 92 out of 100 ($1,877 per year)
- Foremost: MoneyGeek score of 77 out of 100 ($2,682 per year)
Chubb's leading MoneyGeek score reflects its strong service and support performance, which ensures reliable assistance when needed, such as during claims.
Chubb's high MoneyGeek score is largely due to its excellent customer satisfaction and claims scores. While it offers standard coverages like roadside assistance and rental car and/or travel reimbursement, it excels in areas beyond the basics. Chubb's OEM coverage ensures repairs with original parts to maintain vehicle value. It also provides antique/classic car insurance for vintage vehicles and diminished value coverage to recover lost value after an accident.
- Ranks first in Garland for claims handling
- Ranks second in the city for customer satisfaction
- Offers OEM coverage and rental car and/or travel reimbursement
MoneyGeek prioritizes customer satisfaction and efficient claims processing for the best Garland car insurance rankings while also considering coverage options and financial health.
Best Cheap Car Insurance Companies in Garland
Chubb is the top choice in Garland for drivers seeking both affordability and quality in their car insurance.
- Chubb: MoneyGeek score of 90 out of 100 ($888 per year)
- Mercury: MoneyGeek score of 78 out of 100 ($527 per year)
Chubb's top MoneyGeek score reflects its excellent claims handling and high customer satisfaction while maintaining competitive rates.
Chubb's high affordability Score of 34 out of 40, combined with perfect satisfaction and claims scores, highlights its strong performance in delivering both savings and quality service.
With an average annual premium of $888, Chubb provides comprehensive minimum coverage at a competitive rate. Drivers can benefit from discounts for installing anti-lock brakes or anti-theft systems, VIN Etching, bundling policies, insuring multiple cars, defensive driving and safe driving.
- Ranks first in Garland for claims handling
- Ranks second in the city for customer satisfaction and coverages
- Offers defensive driving and VIN etching discounts
- No good student discount
MoneyGeek ranks Garland's best car insurance companies, focusing on affordability (for minimum coverage) and customer satisfaction. It also considers claims, coverage and financial strength.
Average Cost of Car Insurance in Garland
In Garland, the average car insurance premium is $1,971, which is higher than Texas' average of $1,782 and the national average of $1,781.
Such differences prove how location affects insurance costs, with traffic density, accident rates, theft frequency and local laws playing key roles. For instance, Houston has the highest average annual premium in Texas, at $2,177, while Wichita Falls offers the lowest at $1,414, a significant $763 difference.
Abilene | $1,484 |
Allen | $1,750 |
Amarillo | $1,790 |
Arlington | $1,740 |
Austin | $1,727 |
Beaumont | $1,851 |
Brownsville | $1,845 |
Carrollton | $1,882 |
College Station | $1,537 |
Corpus Christi | $1,664 |
Dallas | $1,966 |
Denton | $1,669 |
El Paso | $1,603 |
Fort Worth | $1,728 |
Frisco | $1,751 |
Garland | $1,971 |
Grand Prairie | $1,922 |
Houston | $2,177 |
Irving | $1,890 |
Killeen | $1,551 |
Laredo | $1,816 |
League City | $1,835 |
Lewisville | $1,700 |
Lubbock | $1,598 |
McAllen | $1,996 |
McKinney | $1,745 |
Mesquite | $1,960 |
Midland | $1,532 |
Odessa | $1,658 |
Pasadena | $1,906 |
Pearland | $1,967 |
Plano | $1,819 |
Richardson | $1,884 |
Round Rock | $1,620 |
San Angelo | $1,458 |
San Antonio | $1,791 |
Sugar Land | $1,868 |
The Woodlands | $1,877 |
Tyler | $1,635 |
Waco | $1,519 |
Wichita Falls | $1,414 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.