Best cheap car insurance in Garland for 2021

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The average car insurance rates in Garland, Texas, are $649 for minimum coverage and $2,047 annually for full coverage. Because this is above the national average of $1,674 annually, drivers in Garland are likely searching for the best cheap auto insurance while still getting maximum protection.

Bankrate reviewed local and national carriers using 2021 Quadrant Information Services rate data, to find the best rates. Other attributes were examined too, including the AM Best financial strength ratings and JD Power overall customer satisfaction ratings.

Best car insurance companies in Garland

To find the best car insurance Garland offers, our editorial team considered customer service ratings, financial strength, coverage options and discounts.

Insurance company J.D. Power customer satisfaction score
(Texas region)
Average annual premium for minimum coverage Average annual premium for full coverage
USAA 879 / 1,000 $476 $1,457
Geico 832 / 1,000 $486 $1,500
Nationwide Not rated in region $553 $1,430
Allstate 836 / 1,000 $671 $1,880

USAA

USAA received the highest number of points with J.D. Power, although this provider is not eligible for ranking because it is only open to military service members, veterans and their eligible family members. What is also impressive with this carrier is the number of discounts available, on top of offering some of the lowest rates for drivers in Garland. Possible discounts include claims-free, multi-policy, number of years as a policyholder and taking a defensive driver course.

Learn more: USAA Insurance review

Geico

Geico offers both cheap auto insurance rates in Garland as well as above-industry average ratings with J.D. Power. Geico offers the bonuses of many of the national carriers, such as financial strength, a decent number of policy options, plenty of discounts and options for most budgets. Where Geico also excels is with its highly-rated mobile app. The app allows you to completely manage your policy on the go, while also submitting claims, calling for roadside assistance and using the Geico Virtual Assistant.

Learn more: Geico Insurance review

Nationwide

Nationwide offers you plenty of ways to customize your policy and save further on premiums with discounts. In addition to standard coverages, you will find options for adding towing and labor, rental car reimbursement and gap coverage through Nationwide. Drivers in Garland may save up to 20% on premiums simply by bundling a Nationwide auto policy with a homeowners or renters policy. Although Nationwide was not rated in the Texas region, it received only slightly below-average scores in other regions.

Learn more: Nationwide Insurance review

Allstate

Allstate offers drivers in Garland a variety of advantages, including lower-than-average premiums. Allstate has extensive coverage options for your policy for true customization, including adding rideshare coverage or sound system protection. Allstate has a number of programs available, including Accident Forgiveness and Drivewise®, which reward you when you allow Allstate to review your driving habits and offer feedback.

Learn more: Allstate Insurance review

Cheapest car insurance in Garland

Car insurance rates in Garland average $649 for a minimum coverage policy and $2,047 for a full coverage annually. These rates are higher than the national average, which is $1,674 annually for full coverage. While the rates in Garland are higher, it is still possible to find cheap car insurance, as long as you are willing to compare several carriers.

Bankrate has reviewed multiple carriers, both national and local to Garland, and found USAA, Geico, Nationwide, Mercury and Allstate offered the most competitive average rates. Another positive aspect about these carriers is each of them carry at least an A rating with AM Best, indicating the financial strength in addition to better rates. The carriers listed below also provide numerous coverage options for customizing an auto policy based on your preferences and driving history.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $476 $1,457
Geico $486 $1,500
Nationwide $553 $1,430
Mercury $643 $1,919
Allstate $671 $1,880

Garland insurance requirements

Texas requires drivers to carry insurance, which includes a minimum of 30/60/25 in liability coverage, outlined as:

  • $30,000 for bodily injury liability per person
  • $60,000 for bodily injury liability per accident
  • $25,000 for property damage liability per accident

However, only carrying the minimum liability insurance could leave you vulnerable to further financial trouble, especially if you are involved in an at-fault accident. To help lower your financial risk, consider adding on options for a more robust policy. Options such as collision or comprehensive coverage provide coverage if your vehicle is damaged either in an accident or by something out of your control (such as hail). Uninsured motorist coverage helps cover expenses related to medical payments or lost wages if you are involved in an accident with someone who does not have auto insurance and it is ruled their fault.

Car insurance discounts in Garland

Drivers in Garland have access to multiple ways to save. One of the most effective tactics for lower premiums is to take advantage of as many discounts as possible. Look for discounts such as:

  • Claims-free: Keeping your record spotless and not making any claims is one way to save on premiums.
  • Paid-in-full: Choosing to pay your annual or semi-annual premiums all at once, instead of in monthly or quarterly installments is another way to save. Not only do you save on the cost, but you do not have to worry about a lapse in coverage throughout the year.
  • Safe driver: Most carriers offer a safe driver program, where your driving habits are monitored via an app or telematics device. Based on your feedback, your good safety habits may make you eligible for further savings.
  • Multi-policy: If you purchase an auto insurance policy from the same carrier as your homeowners or renters policy, you should receive a substantial discount.

Discounts are an excellent way to save, but there are other strategies to try too. For instance, you can raise your deductible if you carry comprehensive and collision coverage. The higher your deductible — which also means higher out-of-pocket expenses for you — the lower your premiums.

Frequently asked questions

What is the best car insurance company?

To find the best car insurance company, it is essential to look at a variety of points, including financial strength ratings, customer service marks, coverage options and discounts.

How much does car insurance in Garland cost?

The average cost of car insurance in Garland is $649 for a minimum coverage policy and $2,047 for full coverage annually. While this is higher than the national average, your own rates may be lower or higher depending on several personal factors. Your zip code, age, gender, marital status, vehicle type and miles driven are all examples of personal information used to determine the exact premiums.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Sara Coleman
Insurance Contributor
Sara Coleman has three years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor