Lowest Premium
$428 / YEAR
Average Premium
$646 / YEAR
Highest Premium
$811 / YEAR
The average annual premium in Garland is around $646 and can go upto $811. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.
Texas Car Insurance Minimum Requirement by Law
As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:
- $30,000 coverage for all types of bodily injury suffered by one individual in one accident
- Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
- Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered
The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.
Company | Annual premium (50/100/50) | Market share | Complaints |
---|---|---|---|
Geico | $350 | 6.00% ($1,151,485,019) | 1 |
Farmers | $385 | 7.98% ($1,530,613,603) | 2 |
State Farm | $390 | 16.03% ($3,074,590,659) | 119 |
Allstate | $495 | 7.38% ($1,416,050,038) | 4 |
Liberty Mutual | $550 | 4.36% ($836,938,040) | 64 |
Progressive | $660 | 8.75% ($1,678,264,745) | 0 |
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Car Insurance Rates in Garland by ZIP codes
The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Garland. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.
Zip | Avg. Premium |
---|---|
75040 | $622 |
75041 | $654 |
75042 | $659 |
75043 | $623 |
75044 | $621 |
Insurance Agents in Garland, TX and Near by
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0 miAAA Insurance4280 Lavon Dr Ste 216, Garland, TX 75040(972) 926-1535View |
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0 miCBE Insurance Group675 Town Square Blvd Ste 200, Garland, TX 75040(214) 960-4449View |
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0 miFrancisco Noriega675 Town Square Blvd Ste 200, Garland, TX 75040(214) 299-7605View |
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0 miChristina Adcock245 Cedar Sage Dr Ste 230, Garland, TX 75040(972) 495-7788View |
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0 miSunday Omenihu1802 Garrison Way, Garland, TX 75040(214) 395-8701View |
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0 miDaniel Skiba1847 N Garland Ave, Garland, TX 75040(214) 396-8797View |
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0 miJim Rosales1837 N Garland Ave, Garland, TX 75040(972) 276-2886View |
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0 miInsurance One Agency1225 Belt Line Rd Ste 103, Garland, TX 75040(972) 495-8657View |
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0 miClay Bachman615 Main St, Garland, TX 75040(214) 935-1055View |
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0 miGene Pool615 Main St, Garland, TX 75040(972) 494-2200View |
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0 miMark Van Riper600 Main St, Garland, TX 75040(214) 227-4291View |
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0 miScott Bogue201 S Glenbrook Dr, Garland, TX 75040(972) 285-8821View |
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0 miRanae Candia351 N 5th Street Suite B, Garland, TX 75040(972) 276-1116View |
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0 miAltima Auto Insurance107 S 1st St Ste 107, Garland, TX 75040(972) 232-7901View |
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0 miAi United Insurance413 S Garland Ave, Garland, TX 75040(972) 379-9969View |
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0 miBaja Auto Insurance1815 S 1st St Ste C, Garland, TX 75040(214) 301-7029View |
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0 miPayless Auto Insurance1908 S 1st St, Garland, TX 75040(972) 924-6986View |
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0 miBill McKee2376 Lavon Dr Ste 122, Garland, TX 75040(972) 233-2455View |
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0 miMike Makara828 Belt Line Rd, Garland, TX 75040(972) 530-6300View |
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0 miCowboy Insurance901 Belt Line Rd Ste 110, Garland, TX 75040(214) 227-4723View |
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0 miRoger Ledebur3046 Lavon Dr Ste 112, Garland, TX 75040(972) 675-2121View |
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0 miSawyer Insurance3110 Pecan Meadow Dr, Garland, TX 75040(972) 496-6510View |
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0 miDominic Schillace5255 N President George Bush Hwy Ste 425, Garland, TX 75040(972) 530-1111View |
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3.08 miMai Dinh3112 N Jupiter Rd Ste 201, Garland, TX 75044(972) 675-1400View |
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3.08 miTWFG Insurance Services - Paul Ly4750 N Jupiter Rd Ste 122, Garland, TX 75044(214) 299-9020View |
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3.08 miYeshitila Insurance2014 N Jupiter Rd, Garland, TX 75044(972) 414-8783View |
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3.08 miTonNu Insurance Agency3315 Belt Line Rd, Garland, TX 75044(972) 743-9331View |
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3.08 miDavid House Insurance Agency2205 Rolling Oak Ln, Garland, TX 75044(972) 414-2066View |
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3.08 miAshley Orf3443 W Campbell Rd Ste 200, Garland, TX 75044(469) 931-0193View |
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3.08 miJacob Ashwander7602 N Jupiter Rd Ste 110, Garland, TX 75044(469) 334-0991View |
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3.08 miLiam Nguyen1456 Belt Line Rd Ste 140b, Garland, TX 75044(214) 396-7633View |
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3.32 miA-Max Auto Insurance1802 N Plano Rd, Garland, TX 75042(972) 272-7000View |
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3.32 miCommunity Auto Insurance4460 W Walnut St Ste 108a, Garland, TX 75042(972) 366-6577View |
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3.32 miVilla Texas Insurance Services4529 Forest Ln # 102, Garland, TX 75042(469) 208-9400View |
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3.32 miDieu Le3733 W Walnut St, Garland, TX 75042(214) 206-1735View |
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3.32 miUniversal Insurance Agency3542 W Walnut St, Garland, TX 75042(972) 859-0330View |
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3.32 miBaja Auto Insurance520 N Jupiter Rd, Garland, TX 75042(214) 301-7027View |
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3.32 miMinh Quach520 N Jupiter Rd Ste B, Garland, TX 75042(972) 272-8462View |
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3.32 miSanchez Insurance & More Services3341 W Walnut St Ste 104, Garland, TX 75042(972) 485-9500View |
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3.32 miSuguros TNT3715 Forest Ln, Garland, TX 75042(214) 550-0606View |
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3.32 miLuc V Tran3306 W Walnut St Ste 403, Garland, TX 75042(972) 272-7398View |
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3.32 miRodriguez Insurance Services729 S Jupiter Rd Ste 104, Garland, TX 75042(972) 487-2089View |
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3.32 miWemson Insurance Services2425 W Walnut St Ste 216, Garland, TX 75042(972) 272-4103View |
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3.32 miNat Martin Jr2441 W Walnut St Ste 239, Garland, TX 75042(972) 272-5411View |
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3.32 miAmmouri Insurance2408 W Walnut St, Garland, TX 75042(972) 276-9000View |
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3.32 miJagwan Insurance Agency1505 W Buckingham Rd Ste A, Garland, TX 75042(972) 332-3590View |
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3.32 miBaker & Affiliates Insurance Agency2045 Forest Ln Ste 190, Garland, TX 75042(972) 276-8100View |
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3.32 miKevin Wagner1409 Forest Ln, Garland, TX 75042(972) 961-9835View |
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3.32 miPaul Baker1449 Forest Ln, Garland, TX 75042(972) 271-9502View |
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3.71 miWhite Wolf Insurance Agency2406 S Jupiter Rd Ste 4, Garland, TX 75041(469) 814-0515View |
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3.71 miTexas Quality Insurance2025 Saturn Rd Ste 1, Garland, TX 75041(972) 840-8028View |
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3.71 miAuto Insurance Latinos2909 S 5th St, Garland, TX 75041(972) 271-0700View |
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3.71 miHumberto Chao149 W Kingsley Rd Ste 206, Garland, TX 75041(972) 926-7070View |
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3.71 miCerra Insurance119 W Kingsley Rd Ste 116, Garland, TX 75041(972) 840-2423View |
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3.71 miAllsafe Auto Insurance220 W Kingsley Rd, Garland, TX 75041(972) 864-8844View |
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3.71 miDanback Insurance Agency2940 Broadway Blvd Ste 102, Garland, TX 75041(972) 271-9600View |
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3.71 miDon Ferguson Insurance Agency2940 Broadway Blvd Ste 101, Garland, TX 75041(972) 271-8098View |
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3.71 miLydia Barrientos3115 S 1st St Ste 100, Garland, TX 75041(972) 926-7179View |
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3.71 miFreeway Insurance3035 Broadway Blvd, Garland, TX 75041(972) 426-5083View |
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3.71 miBarrons Insurance Agency1530 W Kingsley Rd, Garland, TX 75041(214) 239-4444View |
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3.71 miPayless Auto Insurance1810 W Kingsley Rd Ste 201, Garland, TX 75041(972) 597-0088View |
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3.71 miHarold Buchanan755 E Centerville Rd, Garland, TX 75041(972) 926-4300View |
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3.71 miAlbert Guerrero Jr307 E Centerville Rd, Garland, TX 75041(972) 271-1616View |
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3.71 miBaja Auto Insurance115 E Centerville Rd, Garland, TX 75041(214) 301-7028View |
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3.71 miConnect Insurance Agency108 E Centerville Rd, Garland, TX 75041(972) 271-6504View |
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3.71 miA-Max Auto Insurance118 W Centerville Rd, Garland, TX 75041(972) 271-6789View |
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3.71 miAi United Insurance232 W Centerville Rd, Garland, TX 75041(214) 800-5551View |
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3.71 miShawn Burns3601 S Shiloh Rd, Garland, TX 75041(972) 864-6865View |
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3.71 miCastros Insurance Agency4316 Saturn Rd, Garland, TX 75041(972) 926-8550View |
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3.71 miPat Birmingham1303 Northwest Hwy, Garland, TX 75041(972) 271-0531View |
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3.71 miThe Beyer Agency629 W Centerville Rd Ste 251, Garland, TX 75041(972) 499-4333View |
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3.71 miJuanita Vank629 W Centerville Rd Ste 200, Garland, TX 75041(972) 840-0304View |
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3.71 miWilliam Timmerman629 W Centerville Rd Ste 200, Garland, TX 75041(214) 320-5757View |
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3.71 miTexas Farm Bureau Insurance1212 Northwest Hwy, Garland, TX 75041(214) 341-5223View |
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3.71 miBobby Reneau1019 Northwest Hwy, Garland, TX 75041(972) 840-8300View |
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5.42 miFred Laughlin2306 Guthrie Rd Ste 260h, Garland, TX 75043(972) 270-7579View |
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5.42 miRalph Brownell2306 Guthrie Rd Ste 260h, Garland, TX 75043(972) 279-0404View |
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5.42 miBest Texas Insurance2302 Guthrie Rd Ste 204, Garland, TX 75043(469) 206-8048View |
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5.42 miAntoinette D'Souza6442 Broadway Blvd, Garland, TX 75043(972) 226-6500View |
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5.42 miDavid L Smith5626 Kerry Ln, Garland, TX 75043(469) 352-8050View |
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5.42 miBradford Chapman6330 Broadway Blvd Ste A2, Garland, TX 75043(972) 226-8500View |
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5.42 miFrank Nolan366 W Interstate 30, Garland, TX 75043(972) 226-9980View |
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5.42 miIntegra USA366 W Interstate 30, Garland, TX 75043(972) 226-1914View |
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5.42 miTWFG Insurance Services - Cornel Cernat350 Oaks Trl Ste 200, Garland, TX 75043(469) 857-5915View |
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5.42 miClarence Knighten310 E Interstate 30 Ste B104, Garland, TX 75043(972) 200-0133View |
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5.42 miKen Allen Insurance310 E Interstate 30, Garland, TX 75043(972) 226-1330View |
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5.42 miTony Callaway310 E I 30 Ste M104, Garland, TX 75043(972) 226-6666View |
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5.42 miMullen Insurance Agency337 Oaks Trl Ste 200, Garland, TX 75043(972) 681-6297View |
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5.42 miGuy Luna Insurance Agency552 W Interstate 30 Ste 317, Garland, TX 75043(972) 613-4911View |
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5.42 miFiesta Auto Insurance6565 Duck Creek Dr, Garland, TX 75043(469) 304-2430View |
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5.42 miBaja Auto Insurance5509 Broadway Blvd Ste A, Garland, TX 75043(972) 426-5065View |
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5.42 miTerrence Burney Insurance & Notary Services5335 Broadway Blvd Ste 206, Garland, TX 75043(469) 206-0728View |
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5.42 miMarion Suits1546 Rowlett Rd Ste 111, Garland, TX 75043(972) 303-0774View |
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5.42 miRick Taylor402 Country View Ln, Garland, TX 75043(972) 682-9999View |
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5.42 miJim Hines Insurance3960 Broadway Blvd Ste 220l, Garland, TX 75043(972) 226-2678View |
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5.42 miR & S Insurance3960 Broadway Blvd Ste 145b, Garland, TX 75043(972) 278-8181View |
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5.42 miHatcher Kimrey Insurance4222 Rosehill Rd, Garland, TX 75043(888) 412-8908View |
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5.42 miDavis Dyer Max3200 Broadway Blvd Ste 400, Garland, TX 75043(972) 864-0400View |
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5.42 miDiana Wickman3200 Broadway Blvd Ste 450, Garland, TX 75043(972) 271-1413View |
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5.42 miJulie Carter Agency3200 Broadway Blvd, Garland, TX 75043(972) 278-3646View |
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5.42 miDon A Herbert Insurance Agency1008 Stonewall St Ste E, Garland, TX 75043(972) 494-1591View |
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5.42 miJerry McGill Insurance Agency1008 Stonewall St Ste E, Garland, TX 75043(972) 840-1262View |
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5.42 miRoland Jones Insurance1008 Stonewall St Ste D, Garland, TX 75043(214) 368-3357View |
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5.42 miGary Schwarz750 Colonel Dr Ste 1a, Garland, TX 75043(972) 278-5011View |
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5.42 miExpress Insurance Agency3420 Broadway Blvd Ste 117, Garland, TX 75043(972) 840-3288View |
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5.42 miGreg Adams3623 Broadway Blvd Ste A, Garland, TX 75043(972) 840-6540View |
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5.42 miBill Gharis3631 Broadway Blvd, Garland, TX 75043(972) 278-3356View |
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5.42 miTim Brooks3927 Broadway Blvd, Garland, TX 75043(972) 278-2109View |
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5.42 miRaul Lopez4133 Broadway Blvd Suite D120, Garland, TX 75043(972) 271-2239View |
Learn More About Car Insurance in Garland, TX
Helpful Info on Texas Car Insurance
Here is a list of useful information regarding Texas car insurance and driving in Texas roads.
Total vehicles registered | 24,527,939 |
Total uninsured motorists | 14.1% |
Estimated economic loss of all vehicle crashes | $38.4 billion |
Sources: uninsured motorists, 2015, crash report, 2018
Different car insurance coverage options available in Texas
There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.
- Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
- Collision covers for the expenses on your car caused by accident.
- Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
- Medical payments cover your's and your passenger's medical bills
- Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
- Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
- Towing and labor covers for the pay for towing your car and labor cost.
- Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.