Cheapest and Best Car Insurance in Garland, TX (2024)

In Garland, Texas, the best car insurance provider depends on your needs. For both minimum and full coverages, Texas Farm Bureau offers the lowest rates. Nationwide is the most affordable for families with teen drivers. Chubb stands out for its excellent customer service and overall value, balancing price with quality.

Texas Farm Bureau offers the cheapest car insurance for minimum coverage in Garland.

• Texas Farm Bureau: $393 per year
• Mercury: $527 per year

Dairyland has the most expensive car insurance at $2,560 per year, which is $2,167 more than the cheapest option. Comparing rates can help you find the best deal and maximize your savings.

Texas law requires all drivers to have car insurance. The minimum coverage includes:

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

If you cause an accident and only have minimum coverage, your insurance will pay up to $30,000 for one person’s injuries and up to $60,000 for everyone hurt in the accident. If the injuries cost more, you’ll have to pay the difference.

Texas Farm Bureau provides the cheapest full coverage car insurance in Garland.

• Texas Farm Bureau: $827 per year
• State Farm: $1,198 per year

Dairyland has the most expensive full coverage policy in Garland, costing $3,966 more than Texas Farm Bureau. Compare rates to find the best deal for full coverage, which is more expensive than minimum coverage due to its comprehensive protection.

A full coverage policy includes comprehensive coverage for damage to your vehicle and collision coverage. It also comes with increased liability limits.

• Collision insurance covers your vehicle against accidents involving other vehicles, objects like trees or light poles, rollovers and pothole damage.
• Comprehensive insurance covers non-collision incidents that cause vehicle damage or loss, such as theft, natural disasters and collisions with animals like deer.

Selecting full coverage insurance is wise for new cars to protect your investment. For older vehicles, the cost of additional coverage outweighs the benefits, adding hundreds to your premiums. If you lease or loan a car, full coverage is required.

To know how much car insurance you need, weigh the pros of increased protection against the cost of higher premiums. This balance is crucial, as lower coverage could leave you underinsured.

In Garland, Texas Farm Bureau has the cheapest car insurance for drivers with various violations. Here's the lowest rate per driving offense:

• Speeding ticket: $827 per year
• At-fault accident: $1,369 per year
• DUI: $1,659 per year

Dairyland charges the highest rates for driving offenses in Garland. For example, a speeding ticket with Dairyland can cost $6,007 annually, $5,180 more than Texas Farm Bureau for the same offense. This significant price difference makes comparing rates crucial, as the severity of driving offenses can greatly affect car insurance costs.

Insurance rates often go up with more serious driving violations. In Garland, drivers with a DUI might pay around $4,009 per year, while those with a speeding ticket might pay about $3,230. If you have driving offenses, comparing insurance rates can help you save a lot of money.

Nationwide offers the cheapest car insurance for teens in Garland. Here are the least expensive options for adding a teen to a policy shared with two parents:

• Nationwide: $1,705 per year for female teens and $1,944 per year for male
• State Farm: $2,184 per year for female teens and $2,642 per year for male

Allstate has the most expensive car insurance for families with teen drivers in Garland. For a female teenager, it costs $7,142 per year, which is a lot more than other companies. Compare rates to find the best deal for teen drivers, who are more likely to get into accidents.

Teens can face high car insurance costs. An individual policy for a teenager averages $7,894 per year, while adding a teen to a family plan costs about $4,039. Insurers see teen drivers as higher risk due to their inexperience, leading to higher premiums for individual policies. Families can save money and improve their approval chances by opting for a joint policy.

Texas Farm Bureau provides the cheapest car insurance for military backgrounds in Garland. For the most affordable rates, consider the following providers:

• Texas Farm Bureau: $827 per year
• USAA: $1,157 per year

USAA comes in second, with tailored services and coverage options for veterans and active military. For those eligible, USAA's specialized benefits can be particularly valuable.

In Garland, comparing rates helps you save on car insurance. However, it can take about 15 minutes per insurer and up to over an hour for three or more companies. MoneyGeek's car insurance calculator can help make the process much easier. Enter key details like age, driving history, credit rating and coverage preferences to get an instant estimate.

Choosing the right auto insurance depends on how you prioritize factors like service, cost and coverage. In Garland, Chubb leads in all categories and has the highest MoneyGeek scores.

• Best overall: 91 out of 100
• Best for service: 92 out of 100
• Best cheap: 90 out of 100

Chubb provides the best value, combining affordability with top-notch service. The insurer offers cost-effective insurance without sacrificing quality, making it the best choice for both value and customer experience.

Chubb offers the best car insurance for full coverage in Garland.

• Chubb: MoneyGeek score of 91 out of 100 ($1,877 per year)
• Foremost: MoneyGeek score of 74 out of 100 ($2,682 per year)

Chubb stands out in Garland for its comprehensive full coverage policy. The high MoneyGeek score reflects its excellent satisfaction and affordability ratings, indicating the quality and value Chubb offers to policyholders.

Chubb provides the best customer service for car insurance in Garland.

• Chubb: MoneyGeek score of 92 out of 100 ($1,877 per year)
• Foremost: MoneyGeek score of 77 out of 100 ($2,682 per year)

Chubb's leading MoneyGeek score reflects its strong service and support performance, which ensures reliable assistance when needed, such as during claims.

Chubb is the top choice in Garland for drivers seeking both affordability and quality in their car insurance.

• Chubb: MoneyGeek score of 90 out of 100 ($888 per year)
• Mercury: MoneyGeek score of 78 out of 100 ($527 per year)

Chubb's top MoneyGeek score reflects its excellent claims handling and high customer satisfaction while maintaining competitive rates.

In Garland, the average car insurance premium is $1,971, which is higher than Texas' average of $1,782 and the national average of $1,781.

Such differences prove how location affects insurance costs, with traffic density, accident rates, theft frequency and local laws playing key roles. For instance, Houston has the highest average annual premium in Texas, at $2,177, while Wichita Falls offers the lowest at $1,414, a significant $763 difference.