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Cheap Auto Insurance Quotes in Garland, TX (January 2022)

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Last Updated: January 2022
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Car Insurance in Garland, TX

The average cost of Texas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Garland, TX to find you the cheapest quotes in the area.
$113
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State FarmAllstateMercuryNationwideDirect Auto

Cheapest Car Insurance in Garland, TX

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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TexasHoustonSan AntonioDallasAustinGarland
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Garland, TX Driving Facts

texas

Minimum Car Insurance Requirements in TX

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas are as follows:

  • $30,000/$60,000 bodily injury liability per person/accident

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Texas state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance providers list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Texas law.

  • $25,000 propery damage liability per accident

The state minimum amount of property damage liability coverage required in the state of Texas is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Insurify Insights: How Garland Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Garland, TX
suspended licenses
#97
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Garland drivers measure up to their fellow Texas motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Garland

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Garland drivers rank 51 in the number of car accidents per driver across all cities in Texas.

  • Rank within state: #51
  • Percent of drivers in Garland with an accident: 10.98%
  • Drivers in Garland, TX with an accident in their driving history paid on average 17.45% more than drivers with a clean record

Speeding in Garland

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Garland drivers rank 49 in the number of speeding infractions per driver.

  • Rank within state: #49
  • Percent of drivers in Garland with a speeding ticket: 9.8%
  • Drivers in Garland, TX with a speeding ticket in their driving history paid on average 30.21% more than drivers with a clean record

DUI/DWIs in Garland

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Garland drivers rank 115 in the number of DUI’s per driver across all cities in Texas.

  • Rank within state: #115
  • Percent of drivers in Garland with a DUI: 1.18%
  • Drivers in Garland, TX with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Garland

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Garland is the Nissan Altima.

Rude Drivers in Garland

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Garland drivers rank 83 in rude driving infractions.

  • Rank within state: #83
  • Percent of drivers in Garland with a reckless driving violation: 1.14%
  • Drivers in Garland, TX with a reckless driving violation in their driving history paid on average 49.79% more than drivers with a clean record.

Safest Drivers in Garland

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Garland drivers rank 73 in clean driving records across all cities in Texas.

  • Rank within state: #73
  • Percent of drivers in Garland with clean record: 81.08%

Failure to Yield the Right of Way in Garland

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Garland drivers rank 2 in failure to yield violations per driver across all cities in Texas.

  • Rank within state: #2
  • Percent of drivers in Garland with a failure to yield violation: 0.08%
  • Drivers in Garland, TX with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Garland

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Garland drivers rank 41 in the number of reckless driving offenses per driver.

  • Rank within state: #41
  • Percent of drivers in Garland with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership in Garland

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Garland drivers rank 90 in hybrid and electric vehicle ownership across all cities in Texas.

  • Rank within state: #90
  • Percent of drivers in Garland with a hybrid/electric vehicle: 0.81%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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