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Erin es escritora y periodista especializada en finanzas personales. Sus artículos exploran inversiones, tarjetas de crédito, hipotecas, seguros y mucho más.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Cheapest recent rates near Garland, Texas
Drivers in and around Garland, Texas have found policies from Liberty Mutual, National General, Progressive, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Garland, Texas within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 January 20, 2025. 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 January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Garland drivers pay an average of $193 per month for car insurance. This is higher than the national average of $152 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.
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 55,000 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.
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.
$41/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.
$77/mo
4.2
Best choiceBased on 9,440 verified guest reviews and ratings
▲
State Farm's score
▲▼
Industry average
▲▼
Coverage options
4.2
3.2
Customer service
4.1
3.6
Discounts
4
2.9
Policy transparency
4
3.1
Value
4
2.9
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 (5,195)
Graylin
January 18, 2025
Verified Review
The service is good, but the price is a bit high for my age and clean driving record. I haven't had any DUIs or tickets for over 6 years.
The service is good, but the price is a bit high for my age and clean driving record. I haven't had any DUIs or tickets for over 6 years.
Chris
January 18, 2025
Verified Review
Dishonest and Untrustworthy
Mediocre at best, they keep changing their rates. They keep raising their income to help themselves, never explaining what their issues are. They trap you in, making you think you have no choice.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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)
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.
$44/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.
$83/mo
4.0
Best choiceBased on 10,621 verified guest reviews and ratings
▲
GEICO's score
▲▼
Industry average
▲▼
Coverage options
4
3.2
Customer service
3.9
3.6
Discounts
3.8
2.9
Policy transparency
3.9
3.1
Value
3.8
2.9
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 (5,845)
Zenell
January 17, 2025
Verified Review
Overpriced for Certain Car Brands
If you own a Kia or Hyundai car, be prepared to pay a hefty amount. Despite having no tickets or accidents, the pricing is still unreasonable. Insurance companies should reconsider their pricing strategies.
Margie
January 17, 2025
Verified Review
Almost Chose Another Insurance, but Stayed with GEICO
They are very reliable.
Jerome
January 16, 2025
Verified Review
Poor Service
I had a car accident several years ago and I was not at fault. The other driver was issued a citation for the accident. My deductible was $500.00, but my agent only managed to get me back $400.00. When I asked why, she couldn't explain. I requested to speak to her supervisor who wasn't available at the time. I was told I would receive a call back, but I never heard back from them.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.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
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.
$63/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.
$128/mo
4.2
Best choiceBased on 68 verified guest reviews and ratings
▲
Mile Auto's score
▲▼
Industry average
▲▼
Coverage options
3.9
3.2
Customer service
3.7
3.6
Discounts
4
2.9
Policy transparency
3.8
3.1
Value
4
2.9
Reviews (36)
Richard
January 13, 2025
Verified Purchase
Loose Time Frames
They give you two days to submit a picture of your mileage, and then they threaten to charge you for 40 miles a day.
James
January 13, 2025
Verified Purchase
So far, so good. It's better than paying six or seven hundred a month. I'll let others know. Thanks.
So far, so good. It's better than paying six or seven hundred a month. I'll let others know. Thanks.
Matthew
January 9, 2025
Verified Purchase
Great Cheap Auto Insurance!
Give them a try if you are a new driver and drive an old car that will get totaled in any accident due to the repair costs exceeding the fair market value of your car.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.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).
NR
Why 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 $41 per month
Secure. Free. Easy-to-use.
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 $41 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$41
GEICO
$44
Allstate
$58
Mile Auto
$63
USAA
$73
Nationwide
$93
Root
$95
Mercury
$97
Progressive
$109
Dairyland
$120
Safeco
$122
Chubb
$125
National General
$137
Direct Auto
$141
The General
$141
Clearcover
$142
21st Century
$144
Bristol West
$144
Commonwealth Casualty
$148
AssuranceAmerica
$149
Elephant
$162
GAINSCO
$181
Liberty Mutual
$238
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 $77.
Here, you can see a collection of full-coverage rates available from leading area insurers.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$77
GEICO
$83
Allstate
$108
Mile Auto
$128
USAA
$137
Mercury
$164
Nationwide
$173
Root
$184
Progressive
$190
Clearcover
$206
Safeco
$207
Chubb
$233
Elephant
$262
Direct Auto
$267
21st Century
$268
National General
$278
The General
$302
Bristol West
$306
Dairyland
$307
AssuranceAmerica
$328
Liberty Mutual
$361
GAINSCO
$386
Commonwealth Casualty
$409
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 in and around Garland, Texas have found policies from Allstate, Liberty Mutual, Progressive, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Garland, Texas within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 January 20, 2025. 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 January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 January 20, 2025. 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.
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 $50 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 $181 per month, and you can see the rates offered by leading insurers here.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
State Farm
$41
$52
GEICO
$44
$56
Allstate
$58
$74
Mile Auto
$63
$81
USAA
$73
$93
Nationwide
$93
$120
Root
$95
$131
Mercury
$97
$133
Progressive
$109
$139
Dairyland
$120
$154
Safeco
$122
$159
Chubb
$125
$162
National General
$137
$176
Direct Auto
$141
$181
The General
$141
$185
Clearcover
$142
$182
21st Century
$144
$191
Bristol West
$144
$186
Commonwealth Casualty
$148
$204
AssuranceAmerica
$149
$189
Elephant
$162
$200
GAINSCO
$181
$249
Liberty Mutual
$238
$327
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 $277 per month.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
State Farm
$41
$55
GEICO
$44
$60
Allstate
$58
$79
Mile Auto
$63
$87
USAA
$73
$99
Nationwide
$93
$127
Root
$95
$138
Mercury
$97
$141
Progressive
$109
$150
Dairyland
$120
$161
Safeco
$122
$166
Chubb
$125
$170
National General
$137
$185
Direct Auto
$141
$196
The General
$141
$196
Clearcover
$142
$207
21st Century
$144
$200
Bristol West
$144
$195
Commonwealth Casualty
$148
$196
AssuranceAmerica
$149
$196
Elephant
$162
$216
GAINSCO
$181
$235
Liberty Mutual
$238
$343
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 $316 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: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$41
$67
GEICO
$44
$72
Allstate
$58
$95
Mile Auto
$63
$103
USAA
$73
$120
Nationwide
$93
$153
Root
$95
$141
Mercury
$97
$149
Progressive
$109
$179
Dairyland
$120
$197
Safeco
$122
$188
Chubb
$125
$205
National General
$137
$225
Direct Auto
$141
$231
The General
$141
$231
Clearcover
$142
$233
21st Century
$144
$236
Bristol West
$144
$236
Commonwealth Casualty
$148
$243
AssuranceAmerica
$149
$245
Elephant
$162
$266
GAINSCO
$181
$297
Liberty Mutual
$238
$391
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 $152 per month for coverage, and you can see insurers offering more affordable rates below.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
State Farm
$31
$58
GEICO
$34
$64
Allstate
$45
$84
Mile Auto
$46
$94
USAA
$57
$107
Nationwide
$68
$126
Mercury
$76
$128
Progressive
$76
$133
Root
$79
$152
Chubb
$89
$166
Dairyland
$93
$239
National General
$102
$206
Safeco
$102
$174
21st Century
$105
$195
Direct Auto
$107
$202
AssuranceAmerica
$110
$243
The General
$111
$237
Bristol West
$113
$239
Commonwealth Casualty
$115
$319
Clearcover
$121
$175
Elephant
$127
$205
GAINSCO
$148
$315
Liberty Mutual
$194
$294
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 $363 per month.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
GEICO
$75
$142
State Farm
$75
$141
Allstate
$110
$205
Mile Auto
$128
$261
USAA
$130
$244
Root
$151
$292
Nationwide
$173
$322
Mercury
$180
$304
Progressive
$201
$350
Dairyland
$203
$520
The General
$237
$508
Safeco
$243
$412
Chubb
$254
$474
Bristol West
$256
$544
21st Century
$260
$483
Commonwealth Casualty
$269
$743
Clearcover
$269
$390
Direct Auto
$272
$515
Elephant
$280
$452
National General
$283
$575
AssuranceAmerica
$287
$632
GAINSCO
$328
$700
Liberty Mutual
$428
$649
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.
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
Category
▲▼
Price
▲▼
Excellent
191
Good
212
Fair
233
Poor
339
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.
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.
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 $254. 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 $41 per month. GEICO and Allstate also offer cheap rates, at $44 and $58 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 $237 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
CDC. "Teen Drivers and Passengers: Get the Facts."
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.
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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