Cheapest Auto Insurance in Garland, Texas (2024)
State Farm offers the cheapest car insurance in Garland, with minimum-coverage policies as low as $40 per month.
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Updated November 20, 2024
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Table of contents
Garland drivers pay an average of $195 per month for car insurance. This is higher than the national average of $154 per month but more affordable than most other cities in Texas.
Texas residents pay high auto insurance premiums overall, which could be the result of several things, including the state’s high population and above-average minimum insurance requirements.
But if you live in Garland, you can still find ways to save. Here’s how.
Quick Facts
State Farm offers the cheapest insurance in Garland.
Garland drivers can get cheap car insurance by shopping around for coverage, saving with discounts, and choosing the right coverage for their needs.
Factors that may affect your insurance premiums include your driving history, age, credit score, location, and more.
Cheapest car insurance companies in Garland
Drivers in Garland have plenty of affordable auto insurance options to choose from. The best insurer for you will depend on your specific situation, needs, and budget.
To find this ideal insurer, you should compare quotes from several companies. As you begin your search, keep these three insurers in mind. Their state average coverage rates are included in the table below.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $69 | $37 | Affordable coverage |
| GEICO | 9.0 | $75 | $40 | Discounts |
| Mile Auto | 7.5 | $116 | $57 | Low-mileage drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordable coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $40/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $74/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is one of the top car insurance companies in the country — and the top company based on market share. It consistently offers some of the best prices for Garland drivers. It also has highly rated customer satisfaction and a wide range of available coverages and discounts to choose from.
Pros
Cheap insurance premiums in Garland
Above-average J.D. Power customer satisfaction rating in Texas
Savings for safe driving
Cons
High number of customer complaints, according to the National Association of Insurance Commissioners (NAIC)
Gap insurance not available
Fewer discounts compared to competitors
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $81/mo |
4.0
Best choiceBased on 10271 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,647)
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
Chris
November 18, 2024
Verified Review
Poor
The customer service is below average and terrible.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO might be right for you if you want to save as much money as you can through discounts. Not only does GEICO have some of the most affordable rates in Garland, but it also offers more discounts than nearly any other insurer. GEICO offers discounts for everything from your vehicle’s equipment to your driving habits, your personal affiliations, and more.
Pros
Many available discounts
Savings for safe driving
Robust digital tools
Cons
Below-average J.D. Power customer satisfaction rating in Texas
High number of customer complaints, according to the NAIC
Doesn’t offer gap insurance
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $125/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto is a per-mile auto insurance company, meaning you only pay for the miles you drive, along with a small base rate. It’s a great option for remote workers and other low-mileage drivers. According to Mile Auto’s website, low-mileage drivers can save between 30% and 40% on their insurance premiums by switching to per-mile insurance, depending on how much they drive.
Pros
Affordable coverage for low-mileage drivers
Only pay for the miles you use
Doesn’t track your driving location and habits
Cons
No available discounts
Pay higher premiums if you rack up the miles
No J.D. Power, AM Best, or NAIC ratings
How to get the cheapest car insurance in Garland
Your car insurance premiums depend on a variety of factors, including your age, gender, driving history, location, credit score, and more. Some of these factors are within your control, while others aren’t.
As you look to lower your car insurance rates, keep these tips in mind:
Shop around. The first insurance quote you get won’t necessarily be the best. Each insurer uses its own formula for setting premiums and may charge you different rates. Make sure to get quotes from multiple companies to find the one that offers you the best rates.
Take advantage of discounts. Most insurance companies offer discounts for everything from having a clean driving record and getting good grades in school to paying your policy premiums up front. Discounts can help you save hundreds of dollars per year on coverage.
Bundle your policies. If you also have other insurance products, such as home insurance or renters insurance, you can save money by bundling those policies with the same insurer.
Choose the right coverage. It’s important to purchase the right coverage to protect you in case of an accident. However, purchasing more coverage than you need can unnecessarily increase your premiums.
Find Cheap Car Insurance in Garland, Texas
Liability rates start at $40 per month
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Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Garland: State Farm
Liability-only car insurance is the most affordable type of policy you can get. Liability car insurance pays for other people’s bodily injuries and damage to other people’s property if you’re responsible for an accident. However, this coverage will not cover any expenses you incur.
You can find the cheapest liability insurance in Garland from State Farm, with a rate of $40 per month.
Nearly every state requires a minimal amount of liability insurance, but you can purchase coverage above and beyond that coverage to protect yourself from out-of-pocket liabilities.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $40 |
| GEICO | $43 |
| Allstate | $57 |
| Mile Auto | $61 |
| USAA | $71 |
| Nationwide | $90 |
| Mercury | $94 |
| Progressive | $109 |
| Safeco | $110 |
| Dairyland | $116 |
| Chubb | $122 |
| Clearcover | $134 |
| National General | $134 |
| 21st Century | $140 |
| Direct Auto | $141 |
| The General | $141 |
| Bristol West | $147 |
| Commonwealth Casualty | $148 |
| Elephant | $156 |
| GAINSCO | $180 |
| Liberty Mutual | $214 |
| State Auto | $269 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Garland: State Farm
Full-coverage car insurance is an option for drivers who want more protection than a liability-only plan can offer. While liability insurance covers damages and injuries to other people and their belongings, full-coverage insurance protects you as well.
It includes the legally required liability insurance but also includes coverages to pay for damage to your own vehicle after an accident or another incident, regardless of fault. Full coverage might be a good idea if you have a car that’s more valuable than you could afford to replace out of pocket. You may also be required to have full coverage if you have a lease or a loan on your vehicle.
State Farm offers the cheapest full-coverage insurance in Garland, at a monthly cost of $74.
Here, you can see a collection of full-coverage rates available from leading area insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $74 |
| GEICO | $81 |
| Allstate | $105 |
| Mile Auto | $125 |
| USAA | $133 |
| Mercury | $161 |
| Nationwide | $166 |
| Progressive | $189 |
| Safeco | $195 |
| Clearcover | $199 |
| Chubb | $224 |
| Elephant | $256 |
| 21st Century | $260 |
| Direct Auto | $270 |
| National General | $276 |
| Dairyland | $302 |
| The General | $308 |
| Bristol West | $312 |
| Liberty Mutual | $353 |
| GAINSCO | $382 |
| Commonwealth Casualty | $407 |
| State Auto | $497 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Garland, Texas
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $61/mo for full coverage in Garland and other Texas cities.
*Quotes generated for Insurify users in and around Garland, Texas within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Garland, Texas within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
Like most states, Texas law requires that all drivers have liability insurance. The minimum amount of liability coverage required in Texas is slightly higher than is required in most other states.
Keep in mind that while Texas mandates a minimum amount of coverage you must have, you can always purchase more.
In 2023, the average cost of a new vehicle exceeds the state’s liability requirements. If you’re at fault for an accident and the damages exceed your insurance limits, you could be on the hook for paying the remaining damages out of pocket.
Below, you can see the state minimum liability requirements:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
In addition to the liability insurance Texas requires, there are several other coverage options you may want to add to your policy, such as:
Collision coverage
Collision coverage pays for damage to your vehicle after an accident, regardless of fault.
Comprehensive coverage
Comprehensive coverage pays for damage to your vehicle caused by something other than an accident, such as inclement weather or theft.
Medical payments coverage
Medical payments coverage pays for your medical expenses after an accident, regardless of fault.
Personal injury protection (PIP) coverage
Personal injury protection (PIP) coverage pays for medical expenses and non-medical expenses (such as lost wages) after an accident, regardless of fault.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damage to your vehicle when the at-fault driver doesn’t have enough liability insurance (or any insurance at all).
Roadside assistance coverage
Roadside assistance coverage pays for services like towing, battery jump-starts, or tire changes when your car breaks down.
Rental car reimbursement coverage
Rental car reimbursement coverage pays for some or all of your rental car while your car is unusable after a covered incident, such as an accident or theft.
Cheapest car insurance for drivers with an incident
People with clear driving histories generally qualify for the most competitive rates. If you have any sort of incident on your record — including at-fault accidents, speeding tickets, driving under the influence, and more — you can expect to see your premiums increase.
Shop for Car Insurance in Garland, TX
Monthly rates start at $49 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
If you get a speeding ticket, your insurance premiums will likely increase. The amount they’ll increase may depend on how many miles per hour over the speed limit you were driving and whether you have other speeding tickets on your record.
How much your premiums will increase is also likely to depend on your insurer. Progressive states that customers see their prices increase an average of 15% after their first speeding ticket, while Liberty Mutual says rates tend to increase by 25%, on average.
The average rate for car insurance for drivers with a speeding ticket in Garland is $182 per month, and you can see the rates offered by leading insurers here.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $40 | $51 |
| GEICO | $43 | $55 |
| Allstate | $57 | $73 |
| Mile Auto | $61 | $79 |
| USAA | $71 | $91 |
| Nationwide | $90 | $116 |
| Mercury | $94 | $129 |
| Progressive | $109 | $139 |
| Safeco | $110 | $143 |
| Dairyland | $116 | $148 |
| Chubb | $122 | $159 |
| Clearcover | $134 | $173 |
| National General | $134 | $172 |
| 21st Century | $140 | $186 |
| Direct Auto | $141 | $181 |
| The General | $141 | $184 |
| Bristol West | $147 | $189 |
| Commonwealth Casualty | $148 | $204 |
| Elephant | $156 | $215 |
| GAINSCO | $180 | $248 |
| Liberty Mutual | $214 | $295 |
| State Auto | $269 | $371 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Getting into an auto accident can be expensive. You might be on the hook for some out-of-pocket expenses for the injuries or damages you cause. Additionally, you’ll end up paying more in the long run in the form of higher insurance premiums.
The amount your rate will increase after an at-fault accident depends on factors such as the severity of the accident, whether it was your first accident, and more. If you’re involved in an accident, you can expect your rates to increase by 26%.
It’s worth noting that while rates are most likely to increase after an at-fault accident, they can also increase after an accident where you weren’t at fault. However, this increase likely won’t be as large.
In Garland, you can expect to pay an average rate of $282 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $40 | $54 |
| GEICO | $43 | $59 |
| Allstate | $57 | $78 |
| Mile Auto | $61 | $85 |
| USAA | $71 | $97 |
| Nationwide | $90 | $123 |
| Mercury | $94 | $137 |
| Progressive | $109 | $149 |
| Safeco | $110 | $148 |
| Dairyland | $116 | $156 |
| Chubb | $122 | $167 |
| Clearcover | $134 | $196 |
| National General | $134 | $182 |
| 21st Century | $140 | $195 |
| Direct Auto | $141 | $196 |
| The General | $141 | $195 |
| Bristol West | $147 | $200 |
| Commonwealth Casualty | $148 | $197 |
| Elephant | $156 | $208 |
| GAINSCO | $180 | $234 |
| Liberty Mutual | $214 | $310 |
| State Auto | $269 | $397 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Driving under the influence (DUI) has major implications for many areas of your life. You can face financial penalties, driver’s license suspension, and even jail time.
Additionally, your car insurance premiums will probably increase significantly (and you may be denied coverage altogether by some companies). The size of the rate increase you’ll face depends on a variety of factors, but you can expect to pay about 66% more for insurance, according to Insurify data. In some cases, your rates could double, or your insurer could drop you altogether.
The average rate for car insurance with a DUI is $321 per month in Garland, and here you can see some of the rates offered by top insurers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $40 | $66 |
| GEICO | $43 | $71 |
| Allstate | $57 | $94 |
| Mile Auto | $61 | $101 |
| USAA | $71 | $117 |
| Nationwide | $90 | $148 |
| Mercury | $94 | $143 |
| Progressive | $109 | $180 |
| Safeco | $110 | $168 |
| Dairyland | $116 | $191 |
| Chubb | $122 | $201 |
| Clearcover | $134 | $221 |
| National General | $134 | $221 |
| 21st Century | $140 | $231 |
| Direct Auto | $141 | $232 |
| The General | $141 | $232 |
| Bristol West | $147 | $242 |
| Commonwealth Casualty | $148 | $244 |
| Elephant | $156 | $257 |
| GAINSCO | $180 | $297 |
| Liberty Mutual | $214 | $353 |
| State Auto | $269 | $443 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Generally speaking, insurance premiums tend to decline over a driver’s lifetime. However, once a driver reaches their 70s, rates may start to increase again.
This is because declining vision and other physical challenges can increase a person’s driving risk as they age. In addition, accidents involving older drivers are more likely to carry considerable medical expenses.
In Garland, seniors pay an average of $154 per month for coverage, and you can see insurers offering more affordable rates below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $30 | $56 |
| GEICO | $33 | $63 |
| Mile Auto | $45 | $92 |
| Allstate | $45 | $82 |
| USAA | $55 | $104 |
| Nationwide | $66 | $121 |
| Mercury | $73 | $124 |
| Progressive | $77 | $133 |
| Chubb | $87 | $160 |
| Dairyland | $91 | $236 |
| Safeco | $92 | $163 |
| National General | $100 | $206 |
| 21st Century | $102 | $190 |
| Direct Auto | $107 | $206 |
| The General | $112 | $244 |
| Clearcover | $113 | $168 |
| Bristol West | $115 | $244 |
| Commonwealth Casualty | $116 | $318 |
| Elephant | $125 | $204 |
| GAINSCO | $148 | $313 |
| Liberty Mutual | $176 | $290 |
| State Auto | $196 | $362 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Young drivers — especially teens — pay the highest car insurance premiums, and it’s easy to see why.
Teen drivers are significantly more likely to be involved in fatal accidents.[1] They also engage in high-risk driving activities like night driving, distracted driving, not wearing seat belts, and more. Combine that with the lack of experience new drivers have, and it’s understandable that car insurance companies charge higher rates for teens.
If you have a teen driver on your auto insurance policy, you can do some things to reduce their premiums. Start by ensuring they have a safe vehicle, then, keep them on your family insurance policy rather than having them start their own. Additionally, you’ll want to see if they qualify for discounts for good grades, taking defensive driving courses, and more.
These steps could help your teen pay less than the average of $359 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| GEICO | $72 | $135 |
| State Farm | $72 | $132 |
| Allstate | $106 | $195 |
| Mile Auto | $123 | $251 |
| USAA | $124 | $232 |
| Nationwide | $164 | $302 |
| Mercury | $173 | $296 |
| Dairyland | $195 | $508 |
| Progressive | $199 | $345 |
| Safeco | $220 | $389 |
| The General | $234 | $511 |
| Chubb | $242 | $445 |
| 21st Century | $247 | $459 |
| Clearcover | $256 | $380 |
| Bristol West | $258 | $548 |
| Elephant | $264 | $433 |
| Commonwealth Casualty | $266 | $732 |
| Direct Auto | $268 | $513 |
| National General | $274 | $563 |
| GAINSCO | $324 | $687 |
| Liberty Mutual | $383 | $631 |
| State Auto | $497 | $918 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Garland car insurance quotes by credit tier
Insurance companies in Texas are allowed to review your credit history to help determine your car insurance rates. That’s because there’s generally a correlation between someone’s credit score and their overall risk level.
A good or excellent credit score may indicate that you’re a lower-risk individual and, therefore, can help you get access to lower insurance premiums. On the other hand, a poor credit score could indicate that a person is higher risk and result in higher insurance premiums.
The table below shows how average rates fluctuate based on a person’s credit profile.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Garland?
Texas drivers paid an average annual car insurance premium of $1,123.12 in 2021, according to data from the National Association of Insurance Commissioners (NAIC).
That means the state ranks in the top third of states with the highest insurance premiums.
Texas’ higher insurance premiums are caused by a variety of factors, including the state’s higher minimum-coverage requirements, its large population, and the fact that it has a higher rate of car accident deaths than the national average.
Car insurance premiums can also vary within a state by city, or even ZIP code, based on factors like the rate of accidents, rate of uninsured drivers, crime rate, and more. The good news is that within Texas, Garland has lower insurance premiums than many other cities.
More cities in Texas
Garland has lower average insurance premiums than many Texas cities, including Dallas, Houston, Mesquite, and Plano. The table below shows how Garland’s rates compare to other cities in the state.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Dallas | $133 | $277 |
| Houston | $174 | $322 |
| Garland | $133 | $258 |
| Mesquite | $129 | $258 |
| Plano | $126 | $243 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Garland car insurance FAQs
Looking for more information to help you find the best rates in Garland? Check out the answers below.
How much is car insurance in Garland?
The average rate for liability-only coverage in Garland is $133 per month, and the average monthly rate for full coverage is $258. This makes Garland one of the more affordable cities in Texas.
Which insurer has the cheapest car insurance in Garland?
State Farm offers the cheapest insurance in Garland, at $40 per month. GEICO and Allstate also offer cheap rates, at $43 and $57 per month, respectively. The best way to find the best coverage for you is to compare quotes from several insurers.
What are the best car insurance companies in Garland?
State Farm, GEICO, and Mile Auto are three of the leading insurers in Garland. State Farm and GEICO are known for their long history, low rates, and strong financial stability. Mile Auto is a newer insurer, but because it offers pay-by-the-mile coverage, it could be a very affordable option for people who seldom drive.
What is the average monthly car insurance cost in Texas?
The average rate for liability-only car insurance in Texas is $120 per month, and the average rate for full-coverage insurance is $241 per month. This places Texas in the top third of the most expensive states in the country for auto insurance. These costs are due to several factors, including Texas’ high minimum insurance requirements and the number of accidents that occur on Texas roads.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- CDC. "Teen Drivers and Passengers: Get the Facts."
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Erin Gobler
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
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