Buy Cheap Garland, TX Auto Insurance

The cheapest Garland, TX auto insurance is from State Farm, although rates will vary by driver. In order to drive legally, drivers in Garland need to carry at least the state minimum auto insurance of 30/60/25 in liability coverages. Compare online quotes to find the best Garland, TX car insurance for you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • State Farm offers the cheapest average auto insurance rates in Garland, TX
  • Garland is part of the larger Dallas-Fort Worth area
  • Heavy traffic contributes to the higher than average auto insurance in Garland, TX

Garland, TX auto insurance is more expensive than both the state and national averages. This isn’t surprising since Texas auto insurance rates for full coverage are higher than the U.S. average. However, rates for low coverage are actually cheaper in Texas.

It is possible to find affordable Garland, TX auto insurance rates if you know where to look. Shop around and compare rates to find the best company for you.

Enter your ZIP code now to compare Garland, TX auto insurance quotes.

What is the cheapest auto insurance company in Garland, TX?

USAA is actually the cheapest auto insurance company in Garland, but it only offers coverage to the military, veterans, and their families. the cheapest company that offers coverage to everyone is State Farm.

The top-rated Garland, TX auto insurance companies listed from cheapest to most expensive are:

  • USAA – $2,705.29
  • State Farm – $3,592.39
  • GEICO – $3,812.81
  • Nationwide – $3,991.80
  • Progressive – $4,880.13
  • American Family – $5,898.45
  • Allstate – $6,166.16

Since Garland is located near Dallas, drivers see similar rates to a big city. For example, auto insurance rates in Garland, TX are only a little cheaper than car insurance in Houston, Texas.

There are many factors that are used to determine your auto insurance rates. Age, gender, marital status, driving record, credit history, and ZIP code are all used to calculate your rates.

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What auto insurance coverage is required in Garland, TX?

Almost every state requires drivers to carry at least a  minimum amount of auto insurance. Texas is no different.

The minimum auto insurance requirements in Garland, TX are:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

With the rising cost of health care and car prices, you can see that you can exhaust these limits very quickly. Consider increasing coverage limits to avoid out-of-pocket costs.

What affects auto insurance rates in Garland, TX?

As part of the Dallas-Fort Worth area, Garland drivers have to deal with a lot of traffic. More traffic can mean more auto accidents and higher insurance rates.

INRIX doesn’t list data for Garland, but it does rank Dallas, TX as the 20th most congested city in the U.S.

City-Data reports that commuters in Garland, TX spend an average of 35 minutes in traffic. Although there is public transportation available, the overwhelming majority of people prefer to drive alone.

Theft can also lead to higher auto insurance rates. According to the FBI, there were 810 motor vehicle thefts in Garland.

Garland, TX Auto Insurance: The Bottom Line

Auto insurance in Garland is higher than the state and national averages, but that doesn’t mean you can’t find a good deal.

Before you buy Garland, TX auto insurance, shop around and compare quotes from multiple companies. Since each company will charge different rates, it’s important to look at many different companies.

Enter your ZIP code now to compare Garland, TX auto insurance rates.

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