Garland Car Insurance

How much does car insurance cost in Garland, TX? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Garland?

Garland, Texas is located 19 miles northeast of Dallas and is located almost entirely in Dallas County with just a small section of the city in Collin and Rockwall counties. Garland was named after Augustus Hill Garland, a U.S. Attorney General. Garland was incorporated in 1891.

A new electrical generator plant was built in Garland in 1920 and this led to the formation of Garland Power and Light, which still powers the city today. In 1937, KRLD, a major Dallas radio station, built its radio antenna in Garland and it is still operational to this day.

During World War II, several aircraft plants opened in Garland. After the war, Kraft Foods bought a plant in Garland and is still one of the largest employers in Garland.

Other large employers in Garland include Garland Independent School District, the city of Garland, U.S. Food Service and Hatco. Garland is home to a variety of industries including electronics, steel fabrication, oilfield equipment, aluminum die casting, hat manufacturing and dairy.

Garland is famous for the firewheel, a wild flower that grows in the area in the spring and summer. The flowers grow in many parks throughout the city including Rowlett Creek Preserve which is filled with gazebos, lush trails and picnic tables for outdoor dining.

Garland Landmark Museum houses local artifacts from 1850 to the present. The museum is housed in a former 1901 Santa Fe train depot. The Granville Arts Center is a performing arts center, where residents can catch a play, a concert, a ballet or a film. Some nights all three stages have performances.

You can hear live bluegrass music on Garland’s downtown square on Saturday nights. You’ll also find your fair share of Tex-Mex cuisine in restaurants throughout the city.

To explore Garland and to commute to work, you’ll need a car. SmartFinancial can help you figure out which coverages you need and which insurer can best serve you. Here’s some information about insurance requirements in Garland, Texas.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Garland typically pay around $136.82 per month compared to the national average of $145.24 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $145.24
Texas $129.25
Garland, Texas $136.82

Garland, TX Best Car Insurance Companies

car insurance in Garland

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Texas Farm Bureau Group generally has the most affordable car insurance in Garland coming in around $92.82 per month. Other companies to consider if you live in Garland is Direct Auto with an average cost of $117.37 per month and State Farm which typically runs around $120.26 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Garland.

RankCompanyAverage Monthly RateComparison State Average
1 Texas Farm Bureau Group $92.82-28.19%
2 Direct Auto $117.37-9.20%
3 State Farm $120.26-6.96%
4 USAA $136.125.31%
5 Mercury Insurance $142.3810.16%
6 Clearcover $154.0719.20%
7 SafeAuto $163.5926.56%
8 Mercury $185.6643.64%
9 Nationwide $188.6945.98%
10 Republic Indemnity $197.6252.89%

How Much is Car Insurance in Garland, TX?

how much is auto insurance in Garland

Rates can vary from city to city. The residents of Amarillo typically pay $116.98 per month while people who live in Arlington will pay $133.98 per month on average. See what people pay for car insurance in other cities in Texas.

Texas CitiesMonthly Average Rate
Amarillo $116.98
Arlington $133.98
Austin $126.95
Beaumont $131.54
Corpus Christi $124.20
Dallas $139.74
El Paso $124.64
Fort Worth $125.06
Garland $136.82
Houston $148.79
Irving $137.17
Lubbock $118.26
San Antonio $129.24
Tyler $121.68
Waco $105.62

Cheap Car Insurance in Garland by Zip Codes

find cheap auto insurance in Garland

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Garland, TX ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Garland

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $303.92 per month in Garland. Compare that to drivers in their 30’s who typically pay around $115.85 per month drivers in their 40s at $118.19 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Garland

If you are teen in Garland you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Texas Farm Bureau Group typically charges around $181.17 per month. This is likely the most affordable option in Garland. You might also want to consider USAA and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Texas Farm Bureau Group$181.17
State Farm$270.98
Direct Auto$274.25
Mercury Insurance$367.17

Cheapest Insurance for 20 Year-olds in Garland

20 year-olds in Garland might want to consider Texas Farm Bureau Group who, on average, offers car insurance rates around $120.64 per month. Direct Auto , State Farm , USAA and SafeAuto are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Texas Farm Bureau Group$120.64
Direct Auto$135.06
State Farm$157.91

Cheapest Insurance for 30 Year-olds in Garland

If you are in your 30s in Garland our research has found that Texas Farm Bureau Group typically has the most affordable coverage coming in around $93.37 per month, followed by Direct Auto at $93.88 and State Farm at $106.09.

CompanyAverage Monthly Rate
Texas Farm Bureau Group$93.37
Direct Auto$93.88
State Farm$106.09
National General Value$124.17

Cheapest Insurance for 40 Year-olds in Garland

On average, Direct Auto offers car insurance for 40 year-olds in Garland for around $83.09 per month. If you are looking for affordable coverage, you may also want to consider Texas Farm Bureau Group or Mercury Insurance. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$83.09
Texas Farm Bureau Group$88.32
Mercury Insurance$102.72
State Farm$106.10

Cheapest Insurance for 50 Year-olds in Garland

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Garland we found that Texas Farm Bureau Group generally offers the most affordable coverage at $77.29 per month.

CompanyAverage Monthly Rate
Texas Farm Bureau Group$77.29
Direct Auto$83.92
State Farm$99.06

Cheapest Insurance for 60 Year-olds in Garland

If you live in Garland and you’re in your 60s, our data indicates that Texas Farm Bureau Group usually has the best rates at $71.32 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Texas Farm Bureau Group$71.32
Direct Auto$89.81
State Farm$99.90

Driver's Coverage Auto Insurance Rates in Garland, TX

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Garland, the average monthly rate for a driver who is currently insured is $130.70 while drivers who are not currently covered will pay around $143.80.

CoverageAverage Monthly Rate
Not Currently Insured $143.80
Currently Insured $130.70

Compare Recent Car Insurance Quotes in Garland

auto insurance quotes in Garland city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Garland a driver of a 2004 Chevrolet Trailblazer can expect to pay around $55.78 per month while someone that owns a 2021 Honda Cr-V may pay around $180.72 per month. Check out the list of recent quotes in Garland below.

VehicleAverage Monthly Rate
2004 Chevrolet Trailblazer$55.78
2021 Honda Cr-V$180.72
2019 Toyota Prius$98.15
2017 Toyota Corolla$55.44
1999 Buick Lesabre$60.75
2016 Nissan Maxima$55.68
2015 Ford F150$168.86

FAQ's for Drivers in Garland, TX

driver’s frequently asked question in Garland

What Is the Minimum Liability Coverage Requirement in Garland, TX?

Every state requires drivers to have a minimum amount of liability coverage. Texas drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $30,000; Bodily injury coverage per person; Max. payment for a single person that you injure in an auto accident.
  • $60,000; Bodily injury coverage per accident; Max. payment for all injuries that you cause in an accident when more than one person is hurt.
  • $25,000; Property damage per accident; Max. payment for damaged property in an accident caused by you.

You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Texas, you are legally required to obtain something called liability insurance. This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!

Since Texas is a “no-fault” state, drivers are financially responsible for any accidents they cause. Consider this: $30,000 is the maximum payment for property damage but you collide with a $40,000 vehicle. If you are found at fault, you are on the hook for any damages beyond $30,000. And, other drivers can sue you for those damages. Between this and the high cost of medical care, we recommend you carry more than the minimum required coverage!

What Is the Blood Alcohol Concentration (BAC) limit in Garland, TX?

It is illegal for an individual to operate a motor vehicle in Texas with the following BAC percentages:

  • .08%+ @ 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .01%+ @ < 21 years old

Can I use my digital insurance card in Texas?

Yes! Getting pulled over in Texas is slightly less panicky since you don’t have to locate the hard copy of your insurance card for the officer. BUT, be mindful of unlocking your phone to access your digital insurance card before the officer has determined whether you were cell-phoning and driving!

Check Out Other Rates in Garland, TX Nearby Cities:

Allen, TX

Plano, TX

Carrollton, TX

Richardson, TX

Dallas, TX

Rockwall, TX

Farmers Branch, TX

Rowlett, TX

Mesquite, TX

Wylie, TX


Commute Time in Garland, TX

28.7 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Garland, TX


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Answer a few questions and let Penny find the best rates in your area.