Average car insurance rates for Garland, Texas are $649 annually for minimum coverage, and $2,047 annually to cover full coverage. This is higher than the $1674 annually national average. Drivers in Garland will likely be looking for the lowest cost auto insurance and maximum protection.
Bankrate compared rates from national and local carriers using data from 2021 Quadrant Information Service to determine the best rates. Other attributes were also examined, such as the AM Best financial strength ratings or JD Power overall customer satisfaction ratings.
The best car insurance companies near Garland
Our editorial team evaluated customer service ratings, financial strength and coverage options to find the best Garland car insurance.
USAA
The highest points were awarded to USAA by J.D. Power, but this provider is not eligible to rank because it is restricted to veterans, military personnel, and eligible family members. This carrier offers some of the best rates in Garland and has a number of great discounts. You can get discounts for taking defensive driving courses, multi-policy, claims-free, and multiple-policy policies.
Geico
Geico offers affordable auto insurance rates in Garland, as well as higher-than-industry average ratings through J.D. Power. Geico offers many of the same benefits as national carriers such as financial strength, lots of policy options, discounts, and options that fit most budgets. Geico’s highly-rated mobile application is another area where it excels. You can manage your policy from anywhere you are by using the app.
All over the country
Nationwide gives you many options to personalize your policy and help you save even more on premiums. Nationwide offers a variety of coverage options, including standard coverages like rental car reimbursement, towing and labor, and gap coverage. Garland drivers can save up to 20 percent on their premiums by bundling a Nationwide auto insurance policy with a homeowners/renters policy. Nationwide was not rated for Texas, but it did receive slightly lower scores in other regions.
Allstate
Allstate offers drivers in Garland many benefits, including lower premiums than the average. Allstate offers a wide range of coverage options that can be customized to your policy, such as rideshare coverage and sound system protection. Allstate offers a variety of programs, including Accident Forgiveness (r) and Drivewise(r). These programs reward you for allowing Allstate to examine your driving habits and provide feedback.
Car insurance at the lowest price in Garland
Average car insurance rates in Garland are $649 for a minimum coverage policy, and $2,047 annually for full coverage. These rates are higher that the national average of $1,674 per year for full coverage. Although the rates are higher in Garland, you can still find affordable car insurance if you’re willing to compare multiple carriers.
Bankrate reviewed multiple carriers and found that Allstate, Geico, Nationwide and Mercury offered the best average rates. These carriers also have an A rating at AM Best. This indicates financial strength and better rates. You can also customize your auto policy by choosing from the many coverage options offered by these carriers.
Garland insurance requirements
Texas requires drivers to carry insurance, which includes a Minimum 30/60/25 liability coverage. The following is:
- $30,000 per person for bodily injury liability
- $60,000 per accident for bodily injury liability
- $25,000 per accident for property damage liability
You could be in financial trouble if you only have the minimum liability coverage, especially if there is an at-fault incident. You can reduce your financial risk by adding options to a stronger policy. Comprehensive and collision coverage offer coverage in the event that your vehicle is damaged by an accident or something beyond your control, such as hail. If you are in an accident with someone without auto insurance, uninsured motorist coverage covers medical expenses and lost wages.
Garland car insurance discounts
Garland drivers have multiple ways to save . To lower your premiums, you should take advantage of every discount that is available. You should look for:
- Premiums can be saved by not making claims and keeping your records clean.
- Paid-infull: Another way to save is to pay your semi-annual or annual premiums in one payment, rather than monthly or quarterly installments. You can save money and not worry about coverage lapses throughout the year.
- Safe driver: Many carriers offer safe driver programs that monitor your driving habits via an app or telematics device. Your safety record may qualify you for additional savings based on your feedback.
- Multi-policy: You should get a significant discount if you buy an auto policy from the same company as your homeowners and renters policies.
While discounts are a great way to save money, there are other options. If you have comprehensive or collision coverage, you can increase your deductible. Your premiums will be lower if you have a higher deductible. This can also mean higher out-of pocket expenses.
Questions frequently asked
Which is the best auto insurance company?
It is important to consider a number of factors when choosing the best auto insurance company. These include financial strength ratings, customer service marks and coverage options.
What is the cost of car insurance in Garland?
Garland’s average cost for car insurance is $649 annually for a minimum coverage policy, and $2,047 annually for full coverage. This is higher than the national average. However, your rates could be lower or higher depending upon several factors. The exact premiums are determined by personal information such as your zip code, age and gender, marital status, vehicle type, and mileage.
