Cheapest Auto Insurance in Garland, Texas (2024)

Garland drivers pay an average of $198 per month for car insurance. This is higher than the national average of $160 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.

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.

Best insurer for affordable coverage: State Farm

Best insurer for discounts: GEICO

Best insurer for low-mileage drivers: Mile Auto

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.

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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.

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 $70.

Here, you can see a collection of full-coverage rates available from leading area insurers.

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:

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.

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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 $190 per month, and you can see the rates offered by leading insurers here.

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 $303 per month.

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 $343 per month in Garland, and here you can see some of the rates offered by top insurers.

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 $144 per month for coverage, and you can see insurers offering more affordable rates below.

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 $347 per month.

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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.

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.

Garland car insurance FAQs