Car Insurance Rates in Garland, Texas

The average rates for car insurance in Garland, Texas, are $141.42/mo, but you can save up to 20% on car insurance rates by comparing quotes online.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 12, 2020

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Here's what you need to know...

  • Garland is a city in Texas and therefore is subject to Texas insurance laws
  • Driving without insurance can result in a fine and suspension of your license
  • Trucks are the most stolen vehicles in the Dallas area
  • Insurance companies must report canceled policies and police have access to this information, which makes it extra-risky to drive without insurance in Texas

Garland, Texas is a city with an ever-growing population. With the growing population comes drivers and the need for auto insurance! We can help you find Garland car insurance when you enter your ZIP code into our FREE search tool above!

As of the 2010 census, the population of Garland was 226,876 making it one of the largest populated areas in the United States. Garland is also the proud home of Amberton University.

Amberton University is a private, Christian institution of higher learning which primarily focuses on students over the age of 21.

According to some car insurance studies, Garland residents pay an estimated $1,697 annually for car insurance. Garland car insurance rates are slightly above the nationwide average which is $1,414.

Since rates are different for each insurance carrier, it’s best to request an online quote prior to speaking with an insurance agent, to make sure that the insurance company selected is the one with the lowest rates.

With an estimated 650,000 miles of paved highways around Garland, there are plenty of open roads for the cars and trucks to travel for work, recreation, and exploration.

All drivers in Garland must comply with the financial responsibility legal limits law when operating a motor vehicle.

The State of Texas requires both car and truck drivers in Garland to carry the following minimum vehicle liability insurance limits:

  1. $30,000 per person for bodily injury for a single accident
  2. $60,000 per accident for bodily injury
  3. $25,000 per accident for property damage per accident
  4. Total Provision per accident is $85,000

These limits are set by the Texas Department of Insurance. Every person operating a vehicle on a public road in Garland must carry this mandatory amount of liability insurance.

They may, however, decide to raise their deductibles and to raise their limits to exceed the mandatory $85,000 at the time of policy purchase.

Failure to Maintain Insurance in Garland

Driving a car in Garland is a privilege and it’s a privilege that shouldn’t be taken lightly. Owners and operators are required to maintain these minimum policy limits to prove financial responsibility for all registered vehicles.

If for any reason a driver fails to maintain minimum automobile insurance requirements, they could face a fine and suspension of their driver’s license.

Failure to comply not only results in suspension of driving privileges and stiff financial penalties, but also makes it harder to get car insurance in the future. In order to have the suspension lifted, an SR22 filing is required in the State of Texas.

There’s an annual fine of $100 for every year that suspension remains in effect. If the suspension persists for more than three years, for every year following the person must pay up to $900.

The cost to reinstate a suspended driver’s license is more than it costs to maintain the state financial responsibility limits.

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What Liability Insurance Covers in Garland

The following are what liability insurance covers:

  • Accident repair or replacement of the vehicle not at fault
  • Medical expenses of the occupants of the not at fault vehicle

If you want your own vehicle damage covered if you’re at fault for an accident, you will need to purchase the appropriate additional insurance.

In Garland, there’s a preference for big trucks. The big, lifted trucks are driven for work and play and they account for over half of the traffic on major highways.

Because Garland is a suburb that’s located northeast of Dallas, the roads and highways are filled with drivers in this densely populated area at all times of the day and night. Remember, those big trucks can cause serious damage.

Thieves target trucks in Garland, so that’s why it’s very important to ensure that your vehicle is protected against theft, vandalism, and accidents with a good auto insurance policy.

In addition to big trucks, there are other types of vehicles that are targets of car thieves. In Garland in 2013, there were 647 car thefts. To avoid becoming a statistic, it’s helpful to install anti-theft devices and to be careful where you park.

If you don’t have a garage, it will cost more to insure a vehicle in neighborhoods with a high theft rate.

Five of the vehicles that are most commonly stolen in Garland are:

  1. Ford pickup
  2. Chevrolet pickup
  3. Dodge pickup
  4. Honda Civic
  5. Chevrolet Tahoe

In Garland, there are many different car insurance companies.

The best way to ensure that you purchase car insurance from a reputable company is research and ask for free rate quotes and compare the policies from several companies. It’s also the best way to check for additional savings and discounts.

Some of the leading car insurers in Garland include:

  1. eSurance
  2. MetLife
  3. The Hartford
  4. Allstate
  5. Geico
  6. Progressive
  7. Nationwide
  8. 21st Century Insurance
  9. Farmers
  10. State Farm

Garland Car Insurance Laws

Drivers in Garland, Texas must follow a system of financial responsibility for car accidents. It’s called a tort system, which means that the Garland resident who’s at fault for causing the auto accident and their insurance company are responsible for the damages.

The at-fault party must pay all the medical expenses of the other party involved in the accident. The responsible party may also be held liable for lost wages and additional damages for emotional pain and suffering, as required.

Insurance Cancellation Laws in Garland

Effective in 2007, Garland car insurance companies are legally required to report all insurance policy cancellations.

The law also made it necessary to file the effective date of all issued car insurance policies, along with the expiration date. This information is entered into a local law enforcement database, which enables road officers to instantly verify valid insurance policy coverage.

A Garland resident caught operating a motor vehicle without car insurance will have their driver’s license suspended even if they don’t have any car accidents, moving violations, or citations issued.

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Average Garland Car Insurance Rates

There are many variables that are used to determine the rates of Texas car insurance. These include:

  • Age
  • Marital status
  • Driving record
  • Gender
  • Annual miles
  • Number of drivers there are for the insured vehicle
  • Type of vehicle

Statistical analysis has revealed that teenagers and drivers under the age of twenty-five are most likely to cause a car accident, so insurance for drivers under the age of twenty-five is relatively expensive.

Young drivers can qualify for good driver discounts, as well as discounts for installed anti-theft devices and safety features such as airbags. Since almost every car nowadays is equipped with at least airbags, that means you can qualify for an instant discount from most auto insurance carriers.

Another way to qualify for Garland car insurance discounts is by completing an approved defensive driving course.

Garland Demographics

Rates can be affected by excessive annual mileage. Any driver who travels a great deal will pay more for their insurance premiums, since their additional time on the road equates to a greater risk of being in an accident. Cancellations and lapses in coverage often result in a demand for a higher down payment amount at policy renewal time.

It’s a good idea to request a quote before selecting an insurance policy to find out the exact criteria for discounted rates. Requesting a Garland car insurance quote will ensure that the proper amounts for deductibles, legal limits, and accident coverage are included in the policy.

If you’re involved in a car accident, the last thing that you want to worry about is paying for damage to vehicles and for medical expenses.

It may take a while to find the perfect insurance company which suits your personal situation, but it will be well worth the effort.

When it comes time to make a decision about purchasing car insurance, request several quotes and then compare rates before contacting an insurance agent.

Start comparing car insurance quotes online for free by using our free tool below!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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