Best Cheap Auto Insurance in Garland, TX (2021)

The average Garland, TX auto insurance rates are $370 per month. The minimum auto insurance in Garland is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Garland, Texas, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The minimum auto insurance required in Garland, Texas is 30/60/25
  • The average commute length in Garland is 29.5 minutes
  • Average auto insurance rates in Garland, TX for senior drivers are $2,682 per year

Garland, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Garland can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Garland, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Garland to other Texas cities, including El Paso auto insurance rates, Dallas auto insurance rates, and San Antonio auto insurance rates to see how Garland, Texas auto insurance rates stack up.

Before you buy Garland, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Garland, Texas auto insurance quotes.

Minimum Auto Insurance in Garland, Texas

Garland, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Garland, Texas.

Minimum Required Auto Insurance Coverage in Garland, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Garland, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Garland, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Garland, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,981 $4,007 $3,928 $3,928 $10,639 $12,818 $4,918 $5,109
American Family $3,408 $3,828 $3,236 $3,742 $9,633 $12,579 $5,023 $5,738
GEICO $2,810 $3,042 $2,719 $3,102 $6,272 $6,483 $3,045 $3,028
Nationwide $2,489 $2,528 $2,199 $2,326 $7,134 $9,154 $2,933 $3,172
Progressive $2,589 $2,467 $2,303 $2,346 $10,918 $12,202 $3,081 $3,136
State Farm $2,479 $2,479 $2,218 $2,218 $6,083 $7,775 $2,706 $2,781
USAA $1,718 $1,718 $1,651 $1,627 $4,914 $5,315 $2,280 $2,419

Cheap Garland, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Garland, Texas is a challenge. Take a look at the annual teen auto insurance rates in Garland, Texas.

Annual Auto Insurance Rates for Teen Drivers in Garland, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,639 $12,818
American Family $9,633 $12,579
GEICO $6,272 $6,483
Nationwide $7,134 $9,154
Progressive $10,918 $12,202
State Farm $6,083 $7,775
USAA $4,914 $5,315

Cheap Garland, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Garland, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Garland, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,928 $3,928
American Family $3,236 $3,742
GEICO $2,719 $3,102
Nationwide $2,199 $2,326
Progressive $2,303 $2,346
State Farm $2,218 $2,218
USAA $1,651 $1,627

Cheap Garland, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Garland, Texas compared to the annual auto insurance rates with a clean record in Garland, Texas.

Annual Garland, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,753 $7,418 $7,740 $4,753
American Family $5,358 $6,869 $6,008 $5,358
GEICO $3,229 $4,297 $3,561 $4,165
Nationwide $3,461 $3,461 $5,134 $3,911
Progressive $4,252 $5,506 $4,971 $4,792
State Farm $3,175 $3,664 $4,355 $3,175
USAA $2,008 $2,987 $3,521 $2,306

Cheap Garland, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Garland, Texas is not easy. Compare the annual rates for DUI auto insurance in Garland, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Garland, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,740
American Family $6,008
GEICO $3,561
Nationwide $5,134
Progressive $4,971
State Farm $4,355
USAA $3,521

Cheap Garland, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Garland, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Garland, Texas

Insurance Company Poor Fair Good
Allstate $7,834 $5,743 $4,921
American Family $8,013 $5,170 $4,512
GEICO $5,905 $3,327 $2,207
Nationwide $4,788 $3,847 $3,341
Progressive $5,494 $4,748 $4,399
State Farm $5,080 $3,169 $2,529
USAA $3,953 $2,304 $1,859

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Garland, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Garland, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Garland, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Garland, Texas

ZIP Code Average Annual Rates
75040 $6,391
75041 $6,652
75042 $6,801
75043 $6,507
75044 $6,282

Cheap Garland, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Garland, Texas auto insurance. Find the cheapest annual Garland, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Garland, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,013 $6,319
American Family $5,898 $5,898
GEICO $3,744 $3,882
Nationwide $3,992 $3,992
Progressive $4,880 $4,880
State Farm $3,592 $3,592
USAA $2,671 $2,740

Cheap Garland, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Garland, Texas? Check out the comparison of annual Garland, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Garland, Texas

Insurance Company Low Medium High
Allstate $6,020 $6,111 $6,368
American Family $5,433 $5,650 $6,612
GEICO $3,605 $3,768 $4,065
Nationwide $4,286 $3,822 $3,868
Progressive $4,653 $4,860 $5,127
State Farm $3,382 $3,578 $3,817
USAA $2,599 $2,693 $2,824

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Garland, Texas

Compare the cheapest auto insurance companies in Garland, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Garland, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Garland, Texas Auto Insurance Companies

What auto insurance companies in Garland, Texas are the cheapest? Compare the top Garland, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Garland, Texas

Insurance Company Average Annual Rates
Allstate $6,166
American Family $5,898
GEICO $3,813
Nationwide $3,992
Progressive $4,880
State Farm $3,592
USAA $2,705

What affects auto insurance rates in Garland, Texas?

There are a lot of reasons why auto insurance rates in Garland, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Garland, Texas. Many local factors may affect your Garland auto insurance rates.

Garland Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Garland, Texas auto theft statistics, there have been 827 auto thefts in the city.

Garland Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Garland, Texas commute length is 29.5 minutes according to City-Data.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Garland, Texas Auto Insurance Quotes

Before you buy Garland, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Garland, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption