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Home » Car insurance » Texas » Cheap Car Insurance Garland

Cheap Car Insurance in Garland

Lowest Premium

$428 / YEAR

Average Premium

$646 / YEAR

Highest Premium

$811 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

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.

CompanyAnnual premium (50/100/50)Market shareComplaints
GEICO$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

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.

ZipAvg. Premium
75040$622
75041$654
75042$659
75043$623
75044$621

Insurance Agents in Garland, TX and Near by

Agents by ZIP code:
  • 0 mi
    AAA Insurance
    4280 Lavon Dr Ste 216, Garland, TX 75040
    (972) 926-1535
  • 0 mi
    CBE Insurance Group
    675 Town Square Blvd Ste 200, Garland, TX 75040
    (214) 960-4449
  • 0 mi
    Francisco Noriega
    675 Town Square Blvd Ste 200, Garland, TX 75040
    (214) 299-7605
  • 0 mi
    Christina Adcock
    245 Cedar Sage Dr Ste 230, Garland, TX 75040
    (972) 495-7788
  • 0 mi
    Sunday Omenihu
    1802 Garrison Way, Garland, TX 75040
    (214) 395-8701
  • 0 mi
    Daniel Skiba
    1847 N Garland Ave, Garland, TX 75040
    (214) 396-8797
  • 0 mi
    Jim Rosales
    1837 N Garland Ave, Garland, TX 75040
    (972) 276-2886
  • 0 mi
    Insurance One Agency
    1225 Belt Line Rd Ste 103, Garland, TX 75040
    (972) 495-8657
  • 0 mi
    Clay Bachman
    615 Main St, Garland, TX 75040
    (214) 935-1055
  • 0 mi
    Gene Pool
    615 Main St, Garland, TX 75040
    (972) 494-2200
  • 0 mi
    Mark Van Riper
    600 Main St, Garland, TX 75040
    (214) 227-4291
  • 0 mi
    Scott Bogue
    201 S Glenbrook Dr, Garland, TX 75040
    (972) 285-8821
  • 0 mi
    Ranae Candia
    351 N 5th Street Suite B, Garland, TX 75040
    (972) 276-1116
  • 0 mi
    Altima Auto Insurance
    107 S 1st St Ste 107, Garland, TX 75040
    (972) 232-7901
  • 0 mi
    Ai United Insurance
    413 S Garland Ave, Garland, TX 75040
    (972) 379-9969
  • 0 mi
    Baja Auto Insurance
    1815 S 1st St Ste C, Garland, TX 75040
    (214) 301-7029
  • 0 mi
    Payless Auto Insurance
    1908 S 1st St, Garland, TX 75040
    (972) 924-6986
  • 0 mi
    Bill McKee
    2376 Lavon Dr Ste 122, Garland, TX 75040
    (972) 233-2455
  • 0 mi
    Mike Makara
    828 Belt Line Rd, Garland, TX 75040
    (972) 530-6300
  • 0 mi
    Cowboy Insurance
    901 Belt Line Rd Ste 110, Garland, TX 75040
    (214) 227-4723
  • 0 mi
    Roger Ledebur
    3046 Lavon Dr Ste 112, Garland, TX 75040
    (972) 675-2121
  • 0 mi
    Sawyer Insurance
    3110 Pecan Meadow Dr, Garland, TX 75040
    (972) 496-6510
  • 0 mi
    Dominic Schillace
    5255 N President George Bush Hwy Ste 425, Garland, TX 75040
    (972) 530-1111
  • 3.08 mi
    Mai Dinh
    3112 N Jupiter Rd Ste 201, Garland, TX 75044
    (972) 675-1400
  • 3.08 mi
    TWFG Insurance Services - Paul Ly
    4750 N Jupiter Rd Ste 122, Garland, TX 75044
    (214) 299-9020
  • 3.08 mi
    Yeshitila Insurance
    2014 N Jupiter Rd, Garland, TX 75044
    (972) 414-8783
  • 3.08 mi
    TonNu Insurance Agency
    3315 Belt Line Rd, Garland, TX 75044
    (972) 743-9331
  • 3.08 mi
    David House Insurance Agency
    2205 Rolling Oak Ln, Garland, TX 75044
    (972) 414-2066
  • 3.08 mi
    Ashley Orf
    3443 W Campbell Rd Ste 200, Garland, TX 75044
    (469) 931-0193
  • 3.08 mi
    Jacob Ashwander
    7602 N Jupiter Rd Ste 110, Garland, TX 75044
    (469) 334-0991
  • 3.08 mi
    Liam Nguyen
    1456 Belt Line Rd Ste 140b, Garland, TX 75044
    (214) 396-7633
  • 3.32 mi
    A-Max Auto Insurance
    1802 N Plano Rd, Garland, TX 75042
    (972) 272-7000
  • 3.32 mi
    Community Auto Insurance
    4460 W Walnut St Ste 108a, Garland, TX 75042
    (972) 366-6577
  • 3.32 mi
    Villa Texas Insurance Services
    4529 Forest Ln # 102, Garland, TX 75042
    (469) 208-9400
  • 3.32 mi
    Dieu Le
    3733 W Walnut St, Garland, TX 75042
    (214) 206-1735
  • 3.32 mi
    Universal Insurance Agency
    3542 W Walnut St, Garland, TX 75042
    (972) 859-0330
  • 3.32 mi
    Baja Auto Insurance
    520 N Jupiter Rd, Garland, TX 75042
    (214) 301-7027
  • 3.32 mi
    Minh Quach
    520 N Jupiter Rd Ste B, Garland, TX 75042
    (972) 272-8462
  • 3.32 mi
    Sanchez Insurance & More Services
    3341 W Walnut St Ste 104, Garland, TX 75042
    (972) 485-9500
  • 3.32 mi
    Suguros TNT
    3715 Forest Ln, Garland, TX 75042
    (214) 550-0606
  • 3.32 mi
    Luc V Tran
    3306 W Walnut St Ste 403, Garland, TX 75042
    (972) 272-7398
  • 3.32 mi
    Rodriguez Insurance Services
    729 S Jupiter Rd Ste 104, Garland, TX 75042
    (972) 487-2089
  • 3.32 mi
    Wemson Insurance Services
    2425 W Walnut St Ste 216, Garland, TX 75042
    (972) 272-4103
  • 3.32 mi
    Nat Martin Jr
    2441 W Walnut St Ste 239, Garland, TX 75042
    (972) 272-5411
  • 3.32 mi
    Ammouri Insurance
    2408 W Walnut St, Garland, TX 75042
    (972) 276-9000
  • 3.32 mi
    Jagwan Insurance Agency
    1505 W Buckingham Rd Ste A, Garland, TX 75042
    (972) 332-3590
  • 3.32 mi
    Baker & Affiliates Insurance Agency
    2045 Forest Ln Ste 190, Garland, TX 75042
    (972) 276-8100
  • 3.32 mi
    Kevin Wagner
    1409 Forest Ln, Garland, TX 75042
    (972) 961-9835
  • 3.32 mi
    Paul Baker
    1449 Forest Ln, Garland, TX 75042
    (972) 271-9502
  • 3.71 mi
    White Wolf Insurance Agency
    2406 S Jupiter Rd Ste 4, Garland, TX 75041
    (469) 814-0515
  • 3.71 mi
    Texas Quality Insurance
    2025 Saturn Rd Ste 1, Garland, TX 75041
    (972) 840-8028
  • 3.71 mi
    Auto Insurance Latinos
    2909 S 5th St, Garland, TX 75041
    (972) 271-0700
  • 3.71 mi
    Humberto Chao
    149 W Kingsley Rd Ste 206, Garland, TX 75041
    (972) 926-7070
  • 3.71 mi
    Cerra Insurance
    119 W Kingsley Rd Ste 116, Garland, TX 75041
    (972) 840-2423
  • 3.71 mi
    Allsafe Auto Insurance
    220 W Kingsley Rd, Garland, TX 75041
    (972) 864-8844
  • 3.71 mi
    Danback Insurance Agency
    2940 Broadway Blvd Ste 102, Garland, TX 75041
    (972) 271-9600
  • 3.71 mi
    Don Ferguson Insurance Agency
    2940 Broadway Blvd Ste 101, Garland, TX 75041
    (972) 271-8098
  • 3.71 mi
    Lydia Barrientos
    3115 S 1st St Ste 100, Garland, TX 75041
    (972) 926-7179
  • 3.71 mi
    Freeway Insurance
    3035 Broadway Blvd, Garland, TX 75041
    (972) 426-5083
  • 3.71 mi
    Barrons Insurance Agency
    1530 W Kingsley Rd, Garland, TX 75041
    (214) 239-4444
  • 3.71 mi
    Payless Auto Insurance
    1810 W Kingsley Rd Ste 201, Garland, TX 75041
    (972) 597-0088
  • 3.71 mi
    Harold Buchanan
    755 E Centerville Rd, Garland, TX 75041
    (972) 926-4300
  • 3.71 mi
    Albert Guerrero Jr
    307 E Centerville Rd, Garland, TX 75041
    (972) 271-1616
  • 3.71 mi
    Baja Auto Insurance
    115 E Centerville Rd, Garland, TX 75041
    (214) 301-7028
  • 3.71 mi
    Connect Insurance Agency
    108 E Centerville Rd, Garland, TX 75041
    (972) 271-6504
  • 3.71 mi
    A-Max Auto Insurance
    118 W Centerville Rd, Garland, TX 75041
    (972) 271-6789
  • 3.71 mi
    Ai United Insurance
    232 W Centerville Rd, Garland, TX 75041
    (214) 800-5551
  • 3.71 mi
    Shawn Burns
    3601 S Shiloh Rd, Garland, TX 75041
    (972) 864-6865
  • 3.71 mi
    Castros Insurance Agency
    4316 Saturn Rd, Garland, TX 75041
    (972) 926-8550
  • 3.71 mi
    Pat Birmingham
    1303 Northwest Hwy, Garland, TX 75041
    (972) 271-0531
  • 3.71 mi
    The Beyer Agency
    629 W Centerville Rd Ste 251, Garland, TX 75041
    (972) 499-4333
  • 3.71 mi
    Juanita Vank
    629 W Centerville Rd Ste 200, Garland, TX 75041
    (972) 840-0304
  • 3.71 mi
    William Timmerman
    629 W Centerville Rd Ste 200, Garland, TX 75041
    (214) 320-5757
  • 3.71 mi
    Texas Farm Bureau Insurance
    1212 Northwest Hwy, Garland, TX 75041
    (214) 341-5223
  • 3.71 mi
    Bobby Reneau
    1019 Northwest Hwy, Garland, TX 75041
    (972) 840-8300
  • 5.42 mi
    Fred Laughlin
    2306 Guthrie Rd Ste 260h, Garland, TX 75043
    (972) 270-7579
  • 5.42 mi
    Ralph Brownell
    2306 Guthrie Rd Ste 260h, Garland, TX 75043
    (972) 279-0404
  • 5.42 mi
    Best Texas Insurance
    2302 Guthrie Rd Ste 204, Garland, TX 75043
    (469) 206-8048
  • 5.42 mi
    Antoinette D'Souza
    6442 Broadway Blvd, Garland, TX 75043
    (972) 226-6500
  • 5.42 mi
    David L Smith
    5626 Kerry Ln, Garland, TX 75043
    (469) 352-8050
  • 5.42 mi
    Bradford Chapman
    6330 Broadway Blvd Ste A2, Garland, TX 75043
    (972) 226-8500
  • 5.42 mi
    Frank Nolan
    366 W Interstate 30, Garland, TX 75043
    (972) 226-9980
  • 5.42 mi
    Integra USA
    366 W Interstate 30, Garland, TX 75043
    (972) 226-1914
  • 5.42 mi
    TWFG Insurance Services - Cornel Cernat
    350 Oaks Trl Ste 200, Garland, TX 75043
    (469) 857-5915
  • 5.42 mi
    Clarence Knighten
    310 E Interstate 30 Ste B104, Garland, TX 75043
    (972) 200-0133
  • 5.42 mi
    Ken Allen Insurance
    310 E Interstate 30, Garland, TX 75043
    (972) 226-1330
  • 5.42 mi
    Tony Callaway
    310 E I 30 Ste M104, Garland, TX 75043
    (972) 226-6666
  • 5.42 mi
    Mullen Insurance Agency
    337 Oaks Trl Ste 200, Garland, TX 75043
    (972) 681-6297
  • 5.42 mi
    Guy Luna Insurance Agency
    552 W Interstate 30 Ste 317, Garland, TX 75043
    (972) 613-4911
  • 5.42 mi
    Fiesta Auto Insurance
    6565 Duck Creek Dr, Garland, TX 75043
    (469) 304-2430
  • 5.42 mi
    Baja Auto Insurance
    5509 Broadway Blvd Ste A, Garland, TX 75043
    (972) 426-5065
  • 5.42 mi
    Terrence Burney Insurance & Notary Services
    5335 Broadway Blvd Ste 206, Garland, TX 75043
    (469) 206-0728
  • 5.42 mi
    Marion Suits
    1546 Rowlett Rd Ste 111, Garland, TX 75043
    (972) 303-0774
  • 5.42 mi
    Rick Taylor
    402 Country View Ln, Garland, TX 75043
    (972) 682-9999
  • 5.42 mi
    Jim Hines Insurance
    3960 Broadway Blvd Ste 220l, Garland, TX 75043
    (972) 226-2678
  • 5.42 mi
    R & S Insurance
    3960 Broadway Blvd Ste 145b, Garland, TX 75043
    (972) 278-8181
  • 5.42 mi
    Hatcher Kimrey Insurance
    4222 Rosehill Rd, Garland, TX 75043
    (888) 412-8908
  • 5.42 mi
    Davis Dyer Max
    3200 Broadway Blvd Ste 400, Garland, TX 75043
    (972) 864-0400
  • 5.42 mi
    Diana Wickman
    3200 Broadway Blvd Ste 450, Garland, TX 75043
    (972) 271-1413
  • 5.42 mi
    Julie Carter Agency
    3200 Broadway Blvd, Garland, TX 75043
    (972) 278-3646
  • 5.42 mi
    Don A Herbert Insurance Agency
    1008 Stonewall St Ste E, Garland, TX 75043
    (972) 494-1591
  • 5.42 mi
    Jerry McGill Insurance Agency
    1008 Stonewall St Ste E, Garland, TX 75043
    (972) 840-1262
  • 5.42 mi
    Roland Jones Insurance
    1008 Stonewall St Ste D, Garland, TX 75043
    (214) 368-3357
  • 5.42 mi
    Gary Schwarz
    750 Colonel Dr Ste 1a, Garland, TX 75043
    (972) 278-5011
  • 5.42 mi
    Express Insurance Agency
    3420 Broadway Blvd Ste 117, Garland, TX 75043
    (972) 840-3288
  • 5.42 mi
    Greg Adams
    3623 Broadway Blvd Ste A, Garland, TX 75043
    (972) 840-6540
  • 5.42 mi
    Bill Gharis
    3631 Broadway Blvd, Garland, TX 75043
    (972) 278-3356
  • 5.42 mi
    Tim Brooks
    3927 Broadway Blvd, Garland, TX 75043
    (972) 278-2109
  • 5.42 mi
    Raul Lopez
    4133 Broadway Blvd Suite D120, Garland, TX 75043
    (972) 271-2239
View all agents ↓

Learn More About Car Insurance in Garland, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.

References

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.