How to find affordable car insurance in Garland, TX
Even though your auto insurance rates in Garland might be a little higher than the average for the rest of the state, you may still be able to save. Use these tips to get the lowest car insurance costs available to you:
Shop with a broker. While an independent insurance agent may only be able to connect you to one (or only a few) insurance companies, brokers like
work with a variety of companies—helping you find the best rates for your insurance needs.
Check for discounts. Insurers frequently offer discounts for things like keeping a safe driving record, being a good student, paying your premium in full at the start of your policy term, or enrolling in auto-pay.
Bundle multiple insurance products. You may be able to save by combining your auto insurance policy with your homeowners insurance, renters insurance, or life insurance.
Keep a safe driving record. Not only will having a clean driving record keep your premiums down, but you may get an additional discount as well.
Enroll in telematics. Allow your car insurance company to track your driving via mobile app or plug-in device and you could save based on your good driving habits.
On average, car insurance in Garland costs around $133 per month for a full coverage policy and $56 per month for state minimum coverage. That’s close to both state and national averages.
Coverage type
Garland
Texas
United States
Full coverage
$133
$131
$130
Minimum coverage
$56
$53
$61
All coverage
$100
$97
$113
The best car insurance companies in Garland, TX
When you’re looking for the best car insurance in Garland, TX, start by comparing rates from companies known for their competitive pricing and trustworthy coverage.
The table below shows average rates for Garland drivers from reputable insurers in the area:
Nationwide’s low rates, customizable coverage options, and stand-out customer service make them a great option for most drivers in the Dallas-Fort Worth area.
Customers with Travelers tend to mention how easy it is to shop with the company. They also love Travelers’ excellent customer service and wide variety of discounts.
Safeco’s affordable policies and top-tier customer service keep them at the front of the pack in Texas. Customers also like their diminishing deductible, accident forgiveness, and claims-free features.
Auto insurance costs are on the rise across the United States—and Garland is no exception. In fact, rates went up at a slightly faster rate in Garland than in Texas as a whole.
The chart below compares rate changes from 2021 to 2022 in Garland and Texas.
Garland
Texas
Average rate 2021
$872
$812
Average rate 2022
$1,368
$1,229
Rate of change
57%
51%
Inflation and supply-chain shortages have contributed to a steep rise in repair costs, medical expenses, and vehicle purchases. All of these make it more expensive for insurers to pay claims, and those costs are passed on to the consumer in the form of premium hikes.
What is the minimum car insurance required in Texas?
The state of Texas requires all drivers to carry at least the following liability insurance:
$30,000 of bodily injury liability per person
$60,000 of bodily injury liability per accident
$25,000 of property damage liability per accident
However, only carrying the state required minimum liability insurance coverage could leave you underprotected. If you cause a serious accident and the other parties’ vehicle repairs or medical bills exceed these liability limits, you could be sued for the remainder.
To better protect yourself, experts recommend raising your liability limits to $100,000 of bodily injury liability per person, $300,000 bodily injury liability per accident, and $100,000 of property damage liability per accident.
A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.
Liability vs full coverage: Which should you get in Garland, TX
In Garland, the average cost of state-required liability-only coverage is around $56 a month, while the average full-coverage policy is around $133 a month.
But while it might seem like purchasing a liability-only policy is the best way to save money, it could actually cost you more in the long run. Liability insurance won’t cover any damage to your own vehicle—for that, you’ll need
: Once you pay your deductible, collision coverage will pay to repair or replace your vehicle after an accident with another car, or a single-car accident where your car falls, flips, or hits an object.
: Once you pay your deductible, comprehensive coverage will pay to repair or replace your vehicle if it’s stolen or damaged due to vandalism, severe weather, falling objects, a collision with an animal, and more.
It’s almost always a good idea to carry full coverage on your vehicle—especially with the rising costs of new and used vehicles.
If you lease your vehicle or you have a car loan, your lender will likely require you to carry full coverage as part of your financing terms.
Optional add-on coverages
In addition to liability and full coverage, you can customize your car insurance policy with a number of additional types of coverage. Some of the most popular include:
: UM/UIM provides coverage if you’re in an accident with a driver who doesn’t have insurance or whose liability insurance doesn’t cover all of your expenses. In Texas, both bodily injury and property damage UM/UIM are available.
: Rental reimbursement helps you pay for a rental car if your own vehicle is being repaired due to a covered incident.
Insurance companies in Texas are required to offer UM/UIM and PIP when you buy a policy. You’re not required to carry them, but these valuable coverages are usually worth the additional cost.
Penalties for driving without insurance in Garland, TX
In Texas, driving without insurance is considered a serious offense, and the consequences can really add up:
First offense:
Fines: $175 to $350
Possible SR-22 requirement
Second offense:
Fines: $350 to $1,000
Possible SR-22 requirement
Possible court-ordered vehicle impoundment (180 days)
If you get into an accident without insurance, you’ll face additional penalties:
Automatic suspension of driver’s license and vehicle registration for 2 years
Mandatory SR-22 requirement for 3 years
Fine of up to $4,000 if you cause serious injury or death
One year in jail if you cause serious injury or death 1
What affects the cost of car insurance in Garland, TX?
Insurance rates are based on a number of highly variable factors, which is why you might pay a lot more with one insurer than another. Insurers often consider the following when they’re setting rates:
Age
More experienced drivers typically pay less for their insurance than drivers under the age of 25. Here’s how age affects insurance rates for drivers in Garland.
Age
Average monthly cost of insurance
18–21
$238
22–25
$125
26–34
$97
35–44
$89
55–64
$88
65+
$80
Marital status
Insurers often offer lower rates to married drivers than those who are single. These averages show what married and unmarried individuals pay on average in Garland.
Marital status
Average annual cost of minimum liability insurance
Average annual cost of full coverage
Married
$736
$1,794
Unmarried
$823
$1,951
Housing situation
Many car insurance providers give lower rates to homeowners than to renters—and if you bundle your home insurance with your car insurance, you could save even more. This chart shows the difference in insurance costs for homeowners and people who rent in Garland.
Rent/Own
Average annual cost of minimum liability insurance
Average annual cost of full coverage
Renter
$656
$1,626
Homeowner
$739
$1,412
Credit score
In many states, including Texas, insurers are allowed to consider your credit score when setting your rates. A higher credit score indicates more financial reliability, so you’ll get a better rate if you have Good or Excellent credit.
Credit score
Average monthly cost of insurance
< 600
$118
601–699
$117
700+
$84
Vehicle
Practical, safe-to-drive vehicles usually cost less to insure than luxury cars, sports cars, and vehicles decked out in top-tier trims. Here’s how the cost breaks down for some of the most popular vehicles in Texas.
Model
Average monthly cost of minimum liability coverage
The neighborhood where you park your car can have an impact on your insurance rates. This is often due to crime rates in the area—if your vehicle is more likely to be stolen or vandalized, you’ll pay higher insurance costs.
Here are the average insurance costs for each Garland ZIP code.
ZIP code
Average monthly cost of insurance
75041
$200
75043
$174
75048
$166
75042
$165
75040
$156
75044
$154
Driving record
Your driving record will have one of the biggest impacts on your car insurance rates. A driver with a clean record will pay far less for auto insurance than a driver who’s had multiple violations or at-fault accidents.
This chart shows the average monthly car insurance cost for Garland drivers after receiving common violations:
Violation
Average monthly cost of insurance
Failure to Obey Traffic Sign
$278
Other
$227
Speeding over 15
$222
Speeding under 15
$183
SR-22 insurance in Garland, TX
If your license is suspended for driving without insurance or you’re charged with a serious violation like a DUI, you may be required to file an SR-22 certificate. An SR-22 is a form that your insurance company must send to the state to verify that you’re carrying at least state-required liability insurance.
If you have to file an SR-22, the initial charges that led to the requirement will also mean that you’ll pay significantly higher car insurance costs. It may even be difficult to find coverage, as some insurers will consider you too high-risk to cover.
To ensure you’re getting the best car insurance rates, even with an SR-22 requirement, compare rates from multiple insurance companies. Be sure to check with non-standard insurance providers as well—these insurers specialize in coverage high-risk drivers who have a troubled driving history.
FAQs
Who has the cheapest car insurance in Texas?
Providers like Nationwide, Progressive, Travelers, GEICO, and State Farm are known for their low rates in Texas. But there’s not one single insurance agency that can provide the lowest insurance premiums to all drivers. To find the cheapest car insurance for you, compare free quotes from several companies before you buy a policy.
How much is car insurance per month in Garland, TX?
Car insurance in Garland costs an average of $100 a month—$56 a month for minimum liability coverage and $133 a month for full coverage.
How much is car insurance per month in Texas?
The average cost of car insurance in the state of Texas is around $97 a month—$53 a month on average for minimum liability insurance and $131 a month for full coverage.
What percentage of Texans have car insurance?
According to the Insurance Information Institute (III), about 8.3% of drivers in Texas do not have car insurance. That actually ranks them 10th in the nation for having the most insured drivers on the roads.
Methodology
All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states.
Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle at time of writing (December 13, 2023).
Minimum coverage refers to policies with the following coverage limits:
$30,000 bodily injury liability per person
$60,000 bodily injury liability per accident
$25,000 property damage liability per person
Full coverage refers to policies that contain at least the minimum liability required by law in Texas, along with comprehensive and collision insurance with deductibles of either $500 or $1,000.
Meet our experts
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
