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

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 13, 2022

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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Just What's Essential

  • Average car insurance rates in Garland, TX are $370/month
  • Average car insurance rates in Garland, TX for senior drivers are $2,682/year
  • The cheapest car insurance company in Garland for teen drivers is USAA

Average car insurance rates in Garland, Texas are $370 a month. But with a little research you can get a great deal from the top car insurance companies in Garland, TX. Before you buy Garland, Texas car insurance, make sure your coverage meets or exceeds the Texas minimum of 30/60/25.

It may even be helpful to compare Garland car insurance rates with Plano car insurance rates, Corpus Christi car insurance rates, or San Antonio car insurance rates to make sure you’re getting the best Garland, TX car insurance quotes available.

Need affordable Garland, TX car insurance? Enter your ZIP code to compare Garland car insurance quotes from multiple car insurance companies near you.

Garland, TX Minimum Car Insurance Coverage

Garland, Texas law requires drivers carry a minimum of 30/60/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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

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

secured lock Secured with SHA-256 Encryption

Garland, TX Car Insurance Rates by Coverage Level

Some Garland drivers can get by with the Texas minimum coverage of 30/60/25. Other drivers may need more. See how much your Garland, Texas car insurance rates may be based on the coverage you need.

Annual Car 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

Garland, TX Car Insurance Rates by Age, Gender, and Marital Status

Garland, Texas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Garland, TX car insurance, get quotes from multiple car insurance companies in the Garland area and see how these criteria affect your rates.

Annual Car 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

Garland, TX Car Insurance Rates for Teens

How much is Garland, Texas car insurance for teens? Compare rates from top Garland car insurance companies below to help find the cheapest teen car insurance in Garland, TX.

Annual Car 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

Garland, TX Car Insurance Rates for Seniors

Before seniors buy Garland, Texas car insurance, they should make sure to shop around. Some Garland, TX car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car 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

Garland, TX Car Insurance Rates by Credit History

How does your credit history affect Garland, TX car insurance rates? Review the numbers here to find out.

Annual Car 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

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

secured lock Secured with SHA-256 Encryption

Garland, TX Car Insurance Rates by Driver History

How does a single speeding ticket affect your Garland, Texas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Garland.

Annual Garland, Texas Car 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

Garland, TX Car Insurance Rates With a DUI

Even a single DUI can increase your Garland, TX car insurance rates. Compare rates below to see which Garland car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Garland, Texas

Insurance Company Annual Car 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

Garland, TX Car Insurance Rates by ZIP Code

Just like Garland car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Garland, TX car insurance rates fluctuate by ZIP code.

Annual Car 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

Garland, TX Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Garland, TX car insurance rates may be. Let’s take a look at average car insurance rates from top Garland companies based on commute time.

Annual Car Insurance Rates by Commute Length in Garland, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

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

secured lock Secured with SHA-256 Encryption

Garland, TX Cheapest Car Insurance Rates

How do the top Garland, Texas car insurance companies’ average rates stack up against the Garland average monthly car insurance rates of $370? Take a look and see.

Best Annual Car 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

Garland, TX Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Garland, Texas car insurance companies to help you find one that best fits your needs.

Average Annual Car 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

Other Factors Affecting Garland, TX Car Insurance Rates

Before you buy Garland, Texas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Garland, TX Car Theft Rates

The car theft rate in Garland, TX will affect your car insurance rates. FBI data shows that the annual car theft rate for Garland, Texas is 827 stolen cars.

Garland, TX Commute Time

How does your Garland, TX commute time compare with the average driver? In Garland, the average commute is 29.5 minutes.

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

secured lock Secured with SHA-256 Encryption

Garland, TX Car Insurance Quotes

Compare Garland, TX car insurance quotes from multiple companies by entering your ZIP code now.