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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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The average monthly cost of car insurance in Garland, Texas, is $190, compared to the national average of $151, according to Compare.com data. Drivers pay an average of $134 for liability coverage and $246 for full coverage.
But your actual rate may be different, since every driver is unique and insurers consider many factors when calculating rates. Here’s what you need to know about finding the best and cheapest car insurance companies in Garland for all types of drivers.
State Farm offers the cheapest car insurance rates to drivers in Garland.
State Farm, GEICO, and USAA are three of the best insurance companies for Garland drivers.
Texas law requires drivers to purchase at least $30,000 per person and $60,000 per accident of bodily injury liability coverage and $25,000 in property damage liability.
Where you live plays a big role in your car insurance costs. Insurance companies assess various factors related to your location — like weather patterns, uninsured motorists, traffic trends, and crime rates — when setting your insurance premiums.
The table below shows the average car insurance rates for various policy and driver types in Garland, according to Compare.com data. Take a look to see how much you can expect to pay.
Driver/Coverage Type  | Average Monthly Premium |
|---|---|
| All Garland drivers | $190 |
| State-minimum coverage | $134 |
| Full coverage | $246 |
| Teens | $363 |
| Seniors | $150 |
| Clean driving record | $190 |
| Recent ticket | $260 |
| Recent at-fault accident | $268 |
| DUI conviction | $306 |
| Poor credit | $238 |
We found that the overall average monthly cost for car insurance in Garland is $190, but certain drivers pay more for car insurance. For example, Teens pay some of the highest rates, at an average of $363 per month. Drivers with a recent at-fault accident pay an average of $268 per month.
But these average rates are broad. Your rate may be higher or lower, since your unique driver profile determines your rates. The insurer you choose also affects your rates, which is why it’s crucial to compare car insurance quotes from multiple companies before buying a policy.
Texas, like nearly every state in the country, requires all drivers to have car insurance. Every driver must have the following coverages:
$30,000 per person in bodily injury liability coverage
$60,000 per accident in bodily injury liability coverage
$25,000 per accident in property damage liability coverage
While Texas law doesn’t require uninsured motorist coverage, every car insurance company must offer it. To learn more about Texas car insurance laws, see the Texas Department of Insurance (TDI) website.[1]
While minimum coverage is enough by legal standards, it’s typically not enough for the average Garland driver. Insurance experts strongly recommend buying more coverage for greater financial protection.
Drivers generally buy collision and comprehensive coverage along with state-minimum liability coverage — also known as full-coverage car insurance. Your lender will likely require you to purchase full coverage if you lease or finance your vehicle.
Full-coverage insurance provides costs more but provides more protection than a liability-only policy. It pays for your injuries and vehicle damages rather than just the other driver’s expenses.[2]
Regardless of Garland’s average rates, you can still find ways to lower your car insurance premiums. Numerous insurance companies offer rates below the city average.
Take a look at the table below for the cheapest car insurance companies in Garland, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $43 |
| GEICO | $46 |
| Allstate | $61 |
| Mile Auto | $65 |
| USAA | $76 |
| Nationwide | $97 |
| Mercury | $99 |
| Root | $114 |
| Progressive | $118 |
| Dairyland | $125 |
| Safeco | $129 |
| Chubb | $130 |
| Clearcover | $141 |
| National General | $143 |
| The General | $143 |
| Direct Auto | $144 |
| AssuranceAmerica | $145 |
| Bristol West | $146 |
| 21st Century | $150 |
| Commonwealth Casualty | $150 |
| Elephant | $164 |
| GAINSCO | $182 |
| Liberty Mutual | $254 |
State Farm is the cheapest car insurance company in Garland, with an average monthly rate of $43.
In the next section, we’ll dive into the cheapest insurer for each type of driver and policy.
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The companies above are a good starting point if you’re looking for cheap car insurance in Garland, but your personal rates will likely differ. Again, companies consider your age, ZIP code, driving record, and other factors when setting your premiums.
The table below highlights the cheapest car insurance companies for different coverages and driver types, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $43 |
| Full coverage | State Farm | $78 |
| Teens | State Farm | $81 |
| Seniors | State Farm | $32 |
| Drivers with a speeding ticket | State Farm | $55 |
| Drivers with an at-fault accident | State Farm | $57 |
| Drivers with a DUI | State Farm | $70 |
| Drivers with excellent credit | State Farm | $38 |
| Drivers with poor credit | GEICO | $55 |
The best way to get an accurate estimate of how much you’ll pay for car insurance is to compare quotes from as many car insurance companies as you can. A car insurance comparison site is one of the best ways to do this efficiently.
In the next section, we’ll highlight the top auto insurance companies in Garland.
Compare personalized quotes from Garland’s top insurers.
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While there’s no single best car insurance company for every Garland driver, a few stand out above the rest. We chose the following three based on a combination of factors, including average rates, available discounts, coverage types, and customer ratings and reviews.
Above-average customer satisfaction
Plenty of discounts available
Strong local agent network
Below-average digital shopping experience score[3]
Accident forgiveness not available
Gap coverage not available
State Farm tops our list for affordable auto insurance in Garland. It offers one of the cheapest rates for both liability and full-coverage car insurance and numerous discounts. You’ll find discounts such as safe driver and good student, and you can save up to 30% with its Drive Safe & Save telematics program.
The insurance company offers highly rated customer service and has a strong local agent network to provide top-notch service.[4] State Farm also earned an AM Best financial strength rating of A++ (Superior).[5] Overall, it’s an excellent choice for just about any Garland driver.
Above-average J.D. Power rating
Below-average number of complaints[6]
Many discounts available
Low Trustpilot score[7]
Rideshare coverage not available
Gap insurance not available
GEICO offers affordable car insurance rates in Texas and nearly two dozen car insurance discounts you can take advantage of. You’ll find plenty of savings opportunities with a wide range of discounts, including policy-related, vehicle equipment, affiliation, and driver education. It’s a great choice for Garland drivers looking for ways to reduce rates drastically.
The insurer also earned an AM Best financial strength rating of A++ (Superior), indicating its reliability in paying out claims.
Competitive rates
Above-average customer satisfaction
Savings of up to 30% with SafePilot
Available only to military members and family
Many complaints on Trustpilot
No brick-and-mortar locations
USAA car insurance is the best option for Garland drivers who are active military, veterans, and eligible family members. It offers numerous coverages and discounts for its members, making it an excellent option for Garland’s roughly 8,000 veterans and their families.
Safe drivers can save even more with SafePilot, and low-mileage drivers can save up to 20% for driving fewer miles with its usage-based program. The insurer has an AM Best financial strength rating of A++ (Superior), so you can rely on the company to pay out its claims.
Compare quotes side-by-side and lock in cheaper rates.
Taking advantage of discounts is one of the easiest ways to lower your premium and save on car insurance. Availability of discounts can vary by state, but most are available across the country.
Here are some of the best car insurance discounts you can get in Garland.
Safe driver: Many insurers offer safe driver discounts to drivers who go without a claim for a certain amount of time. Driving safely is one of the best ways to keep your rates low, as they’ll likely start low if you’re incident-free.
Loyalty: If you stay loyal to your insurer for an extended period of time — typically at least two years — you could see reduced rates.
Multi-policy: Bundling multiple policies — typically home and auto — with one insurer can often get you a hefty discount.
Telematics: Some insurers offer telematics programs that track your driving, which can result in lower rates for safe drivers. But if you drive unsafely, you could see your rates go up.
Anti-theft: If your car has specialty safety devices that make it harder to break into or steal, you could see cheaper car insurance rates.
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You can get cheaper car insurance in Garland beyond applying for discounts. Here are some additional money-saving strategies.
Keep a clean driving record. Maintaining an incident-free driving history is the best way to get cheaper car insurance. Insurance companies strongly consider your driving record when setting rates, so practice safe driving to keep your premium low.
Increase your deductible. Raising your deductible will automatically lower your monthly premiums. Just make sure you can afford to pay the increased amount out of pocket if you need to file an insurance claim.
Read customer reviews. Always read customer reviews and ratings before choosing a car insurance company. And make sure you understand what you can expect if you ever need to file a claim.
Compare car insurance quotes. Before buying a policy, always compare car insurance quotes from as many insurers as possible. Every insurer determines rates differently, so quote comparison is essential for finding the cheapest car insurance.
Compare personalized quotes and get cheaper rates in minutes.
Take a look at these answers to some of the most commonly asked questions about Garland auto insurance to buy the right policy for your needs and budget.
State Farm is the cheapest auto insurance company in Garland, with an average monthly rate of $43, according to Compare.com data. But your auto insurance premium will depend on your unique driver profile.
Car insurance in Garland costs an average of $190 per month, according to our research. Drivers pay an average of 43 monthly for liability insurance and $78 for full-coverage car insurance.
Car insurance in Texas costs an average of $176 per month, according to our data. Drivers pay an average of $123 per month for liability insurance and $230 for full-coverage car insurance. Shopping around for auto coverage can help you find the cheapest rates.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Danny Smith is a licensed property and casualty insurance agent who has written for Compare.com since 2024. A former insurance editor, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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