120+ more*Quotes generated for Insurify users in and around Garland, Texas within the last 10 days. Last updated on June 22, 2026. 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 June 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
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Licensed property and casualty insurance agent
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NPN: 21630969
Updated
Minimum liability coverage in Garland averages $127 per month, and the average rate for full coverage is $232 per month. Garland is part of the greater Dallas metropolitan area, which is why these two cities have similar rates. Rates in more rural areas, like Greenville, are noticeably lower.
Multiple cities across the greater Dallas area, including Garland, are experiencing population growth and increases in commute time.[1] Along with its flood- and wildfire-prone neighborhoods, these risk factors often increase car insurance rates in Texas.
Texas state law requires drivers to buy at least $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage insurance.[2] Liability-only coverage doesn’t include optional coverages like medical payments, personal injury protection (PIP), or uninsured/underinsured motorist coverage.
State Farm has the cheapest liability-only insurance across the board, including for drivers of any credit and driving history. Take a look at the cheapest rates for liability-only car insurance in Garland below.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $49 |
| Allstate | $69 |
| Mile Auto | $72 |
| Progressive | $72 |
| GEICO | $80 |
| USAA | $88 |
| Mercury | $98 |
| First Acceptance | $100 |
| The General | $104 |
| Alinsco | $105 |
| Lone Star | $108 |
| Nationwide | $111 |
| Commonwealth Casualty | $112 |
| GAINSCO | $112 |
| Bristol West | $115 |
| Clearcover | $115 |
| Dairyland | $116 |
| Root | $116 |
| Covercube | $118 |
| Mendota | $121 |
| AssuranceAmerica | $122 |
| Excepsure | $126 |
| Sun Coast | $128 |
| Safeco | $130 |
| Direct Auto | $131 |
| National General | $132 |
| Loop | $137 |
| Elephant | $138 |
| Chubb | $150 |
| Trexis One | $156 |
| 21st Century | $173 |
| Insurify Car | $178 |
| Hugo | $179 |
| Liberty Mutual | $211 |
Minimum coverage starts as low as $49/mo.
Garland drivers may want a full-coverage policy for peace of mind — especially if they lease or finance their vehicles.
Garland is located in Dallas County, which has one of the highest vehicle theft rates in the nation, Insurify data shows. Comprehensive insurance covers vehicle theft.
Garland also has hundreds of public infrastructure projects in progress at any given time, some of which can create road risks for city drivers.[3] Construction and redevelopment projects, like in the Garland Medical District Plan and the Interstate 30 corridor, raise risks of hitting potholes or clipping curbs, which collision insurance covers.
State Farm offers the lowest full-coverage rates for Garland drivers, at $97 per month. Progressive and Allstate also have rates that compete well against the citywide average of $232 per month.
The table below shows the companies with the cheapest full-coverage car insurance rates for drivers in Garland, Texas.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $97 |
| Progressive | $133 |
| Allstate | $137 |
| Mercury | $157 |
| Mile Auto | $158 |
| GEICO | $167 |
| USAA | $173 |
| Root | $191 |
| Safeco | $193 |
| Clearcover | $201 |
| Alinsco | $205 |
| Direct Auto | $205 |
| Elephant | $213 |
| GAINSCO | $214 |
| Nationwide | $218 |
| National General | $219 |
| Bristol West | $222 |
| AssuranceAmerica | $227 |
| The General | $230 |
| Mendota | $235 |
| Commonwealth Casualty | $244 |
| First Acceptance | $246 |
| Loop | $251 |
| Sun Coast | $253 |
| Lone Star | $254 |
| Covercube | $271 |
| Dairyland | $279 |
| Chubb | $293 |
| Liberty Mutual | $308 |
| Trexis One | $321 |
| 21st Century | $338 |
Garland’s car insurance rates are among the highest in Texas. Abilene has the lowest overall average rates, at $130 per month, while Houston has the highest, at $212 per month.
Abilene is a mid-sized city, while Garland is considered a suburb of Dallas. Garland’s bigger population and more traffic congestion contribute to its higher car insurance costs.
The table below shows the overall average monthly quotes for Garland and other Texas cities.
City | Average Monthly Quote |
|---|---|
| Abilene | $130 |
| Amarillo | $151 |
| Arlington | $164 |
| Austin | $164 |
| Beaumont | $173 |
| Brownsville | $161 |
| Corpus Christi | $164 |
| Dallas | $179 |
| Denton | $153 |
| El Paso | $139 |
| Fort Worth | $157 |
| Galveston | $163 |
| Garland | $180 |
| Grand Prairie | $168 |
| Houston | $212 |
| Huntsville | $153 |
| Irving | $168 |
| Killeen | $145 |
| Laredo | $153 |
| Lubbock | $146 |
| McAllen | $171 |
| Mesquite | $179 |
| Midland | $147 |
| Odessa | $162 |
| Plano | $158 |
| San Antonio | $166 |
| San Marcos | $151 |
| Spring | $181 |
In general, Texas has higher car insurance costs than many other states. Garland’s rates are even higher than the state average, largely because of its population size, traffic congestion, and one of the highest vehicle theft rates in Dallas County.[4]
But Garland drivers may be able to lower their costs with some car insurance discounts they’re particularly suited to. For example, 61% of all housing units in Garland are owner-occupied, which means those residents might be able to save by buying a home and auto insurance bundle.
*Quotes generated for Insurify users in and around Garland, Texas within the last 10 days. Last updated on June 22, 2026. 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 June 22, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Spending less on car insurance means more money for Firewheel Golf Course and the Granville Arts Center. Here’s where Garland residents can find the cheapest car insurance quotes, depending on your driving record.
Cheapest car insurance for Garland drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Garland: State Farm
Cheapest car insurance for Garland drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Garland: State Farm
Less than 4% of drivers in Garland have either a ticket or an accident on their driving records, according to Insurify data.
Dallas County routinely has one of the highest rates of driving while intoxicated (DWI) fatalities in the state. But less than 1% of drivers in Garland have a DWI, possibly because Garland police roll out DWI crackdown initiatives around major events like New Year’s and spring break.
Even if you’ve had a fender-bender on the President George Bush Turnpike or failed a DWI checkpoint near a local brewery, you can still find affordable insurance coverage in Garland.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $180 |
| Speeding ticket | $226 |
| At-fault accident | $239 |
| DUI | $250 |
Garland is a suburb of Dallas, which means the Big D’s advantages and disadvantages spill over into the Cowboy Hat Capital of Texas. The Kraft Heinz plant is a leading employer in Garland, and the city is home to more than 300 manufacturers. The city’s strong business sector means rush hour can be intense.
A bevy of parking garages/lots and free street-parking options is an allure for tourists visiting Garland, whether they’re buying cowboy hats and eating their way through the Garland Tamale Trail. Even in less congested areas like Duck Creek Greenbelt, Garland drivers still face risks like potential flooding.
Dallas has one of the worst commute times in the country, despite its well-developed highway system.[5] Garland residents could find themselves stuck in significant traffic congestion just to get into the city.
Garland was among the Texas cities that abandoned the use of red-light cameras in 2019. But initiatives like the Neighborhood Traffic Control Program still seek to prevent speeding through residential streets. Car insurance agencies take into account the number of fender-benders and speeding tickets in an area when determining auto insurance quotes.
One quarter of Garland’s population is younger than the age of 18. In 2024, teen drivers accounted for nearly 7% of all fatal accidents in Texas.[6] Garland’s highway system and traffic congestion present challenging environments for teen drivers, and their car insurance rates reflect this.
But teen drivers can find affordable coverage from State Farm, Allstate, and Progressive in Garland. Teens can also save by staying on their parents’ policies for as long as possible.
The following table shows insurance rates from top companies for teen drivers in Garland.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $98 |
| Progressive | $141 |
| Allstate | $141 |
| GEICO | $150 |
| Mile Auto | $153 |
| USAA | $168 |
| Root | $183 |
| Mercury | $186 |
| The General | $194 |
| First Acceptance | $195 |
| Clearcover | $197 |
| Alinsco | $205 |
| GAINSCO | $206 |
| Dairyland | $210 |
| Lone Star | $211 |
| Bristol West | $212 |
| Commonwealth Casualty | $218 |
| Nationwide | $224 |
| Covercube | $231 |
| Mendota | $236 |
| Excepsure | $246 |
| Sun Coast | $250 |
| Elephant | $257 |
| AssuranceAmerica | $261 |
| Direct Auto | $263 |
| Loop | $268 |
| National General | $272 |
| Safeco | $273 |
| Trexis One | $305 |
| Chubb | $318 |
| 21st Century | $322 |
| Hugo | $342 |
| Insurify Car | $348 |
| Liberty Mutual | $384 |
Minimum-coverage rates for Garland teens start at $98/mo.
About 12% of Garland’s population is older than 65. Drivers 65 and older accounted for nearly 9% of fatal crashes in Texas in 2024, according to Texas Department of Transportation data. On average, senior drivers in Garland pay $197 per month for full coverage and $108 per month for liability-only policies.
The following table illustrates average rates from top Garland car insurance companies for senior drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $38 |
| Allstate | $56 |
| Mile Auto | $56 |
| Progressive | $61 |
| GEICO | $63 |
| USAA | $71 |
| Mercury | $77 |
| Nationwide | $84 |
| First Acceptance | $85 |
| The General | $88 |
| Alinsco | $89 |
| Commonwealth Casualty | $90 |
| Lone Star | $92 |
| AssuranceAmerica | $95 |
| GAINSCO | $95 |
| Bristol West | $95 |
| Dairyland | $98 |
| Covercube | $100 |
| Clearcover | $101 |
| National General | $103 |
| Mendota | $103 |
| Root | $106 |
| Direct Auto | $107 |
| Excepsure | $107 |
| Sun Coast | $109 |
| Elephant | $112 |
| Chubb | $112 |
| Safeco | $113 |
| Loop | $117 |
| Trexis One | $133 |
| 21st Century | $135 |
| Insurify Car | $151 |
| Hugo | $154 |
| Liberty Mutual | $174 |
Whether you live in Forest Crest or Rose Hill, you’re probably looking for the best deal you can find on car insurance. Here’s some additional information to help you find the best car insurance in Garland.
Car insurance in Garland costs an average of $232 per month for full coverage and $127 per month for minimum coverage, Insurify data shows. Your rate may fluctuate if you include coverages like roadside assistance and uninsured motorist coverage or select only the minimum bodily injury and property damage coverages.
State Farm offers the cheapest car insurance in Garland. The company’s liability-only coverage averages $49 per month for Garland drivers.
Progressive offers substantially cheaper monthly auto insurance quotes for both liability-only and full-coverage policies in Garland. But State Farm has a lower average premium than GEICO and Progressive for Garland drivers.
Garland’s proximity to Dallas creates greater roadway congestion and accident risks, which affect car insurance rates. The city’s relatively high rate of vehicle thefts and wildfire risk are also factors in Garland’s car insurance costs.
Drivers with clean records tend to get the cheapest car insurance in Garland, Texas. Less than 5% of drivers living in Garland have imperfect driving records, so even a single infraction can significantly increase rates.
Insurify data scientists analyzed more than 190 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 500+ 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:
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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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
Featured in
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.