Best Auto Insurance Rates in Garland, Texas

On average, your neighbors pay $77 a month.

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Garland, Texas is often included in the Dallas metropolitan area, but it can hold its own as a unique city. For example, Garland was the inspiration for the TV show, King of the Hill. And, Garland’s famous Star Trek Lane is the first place officially named for the show. So, if you live in Garland, you’ll want to live long and prosper, and not overpay for car insurance.

Average Garland Car Insurance Rates

How much is car insurance in Garland, TX? The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices may vary depending on your limits, coverage, and the number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Garland, Texas and save up to 40% on your premium.

Last year, 6,023 people used QuoteWizard to compare auto insurance quotes in Garland, TX in from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Garland, TX

These were the most common car insurance companies reported by QuoteWizard users living in Garland, Texas last year. 910 of these users were uninsured when they requested quotes.

Other popular Garland, Texas car insurance companies: Safeco, USAA, MetLife, Texas Farm Bureau, Travelers, 21st Century, Country Financial, Infinity, and Hartford.

Top 10 Vehicles in Garland

This is our list of the most common car makes and models owned by Garland, TX drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Nissan Altima 2.5 S
  4. Ford Taurus SE
  5. Toyota Camry LE/XLE/SE
  6. Chevrolet Impala LS
  7. Ford Mustang
  8. Ford Explorer
  9. Chrysler PT Cruiser
  10. Kia Soul
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Minimum Car Insurance Requirements in Garland, TX

Garland, Texas has a minimum coverage requirement known as the 30/60/25 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum your insurance carrier will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The total amount your insurance company will pay for property damage caused by a car accident.

Garland, TX Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Garland ranked 177th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 6.6 years. Of the 6,023 Garland drivers that requested quotes through QuoteWizard last year, 303 of them had incidents on their driving records.

Garland drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Several factors influencing your insurance rates are the weather, driving, and road conditions.

Weather

Like Dallas, Garland is part of the humid subtropical region of the United States. For local residents, this means that summers are hot and humid with cool but not terribly cold winters. The wettest month is May and spring storms can pack a punch, dumping lots of rain onto city streets quickly, creating slick driving conditions and urban flooding.

Road Conditions

TRIP reports that 40% of the major roads in the greater Dallas metropolitan area, which includes Garland, are in poor condition and another 44% are mediocre. The increasing number of potholes is especially troubling because of the damage they can cause, some of which is severe enough to warrant an insurance claim. According to TRIP, the poor condition of city streets costs local drivers an additional $1,740 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

Garland is ranked together with Dallas as having the 34th worst traffic congestion in the United States. An average driver spends an extra 23 minutes per hour stuck in traffic for every 60 minutes spent commuting during peak hour and an extra 90 hours a year for commutes lasting 30 minutes.

In another study, the Texas A&M Transportation Institute (TTI) ranked Dallas-Garland 11th in the nation for yearly delay per commuter. According to the TTI study, residents spend an extra 53 hours a year stuck in traffic congestion and waste 22 gallons of fuel annually. The total cost per commuter is estimated by the TTI to be $1,185 per year.

Moving Violations

Moving violations such as speeding tickets, drunk driving and accidents will go on your driving record and raise your rates.

Traffic Tickets

The City of Garland tickets Citations page allows you to plead guilty and pay traffic citations, tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local agents from top companies that specialize in Garland DWI insurance.

Car Accident Statistics

Garland officials reported 3,501 car crashes in 2016. These crashes resulted in 1,979 injuries, 140 of them incapacitating.

DWI Crashes and Injuries

Garland reported 132 crashes involving alcohol or drugs in 2016. These accidents involving impaired drivers caused 62 injuries and 16 fatalities.

Traffic Fatalities

Garland experienced 28 fatal collisions in 2016 resulting in 34 deaths in motor vehicle crashes.

This works out to a fatality rate of 14.47 per 100,000 residents. All traffic deaths are a tragic loss, and considering Garland’s estimated population of 234,943, this ranks among the nation's worst cities in terms of traffic fatalities per capita.

Vehicle Theft Rates

Garland reported 754 vehicle thefts in 2016. This is a rate of 3.18 per 1,000 residents.

Car Insurance Discounts in Garland

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. Below are only some of the car insurance discounts available to drivers in Garland, TX.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 15% off your premium
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  4. Safe driver. If you have a perfect driving record, with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  5. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  6. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  7. Are you married or getting married soon? Some insurers offer drivers a marriage discount
  8. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  9. Take a defensive driving course from an accredited driver safety school
  10. Shop around and compare low-cost Garland car insurance quotes

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