Car Insurance in Garland, Texas
Estimated full coverage in Garland runs about $2,160 a year ($180/month) — ▲ +14% versus the Texas average, ranking 2nd most expensive of the 57 Texas cities we cover.
Why car insurance in Garland costs more than the Texas average
Insurers price by territory, and Garland's numbers explain most of the gap. With 250,431 residents on 56.9 square miles, the city's density (4,405 people per square mile) is 6.6 times the density where the typical Texas resident lives (670). The average commute is 29.7 minutes (Texas: 26.7), and 73% of workers drive alone. Together these put our location factor at 1.14× the state baseline for liability and collision, and 1.15× for comprehensive once FEMA weather risk for Dallas County is included.
| Factor | Garland | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 4,405 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 29.7 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 6.9% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 72.7% | — | Share of workers commuting by car. |
| Public transit to work | 0.9% | — | Transit use lowers how much residents drive. |
| Work from home | 12.4% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 4.1% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 94.3 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Garland
Rates can change from one ZIP code to the next. Across 5 Garland ZIP codes, our full-coverage estimate ranges from $2,120 in 75044 to $2,210 in 75043. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 75040 | 64,606 | 4,117 | 28.5 min | 3.4% | $2,135 | −1% |
| 75043 | 63,152 | 4,339 | 32.7 min | 5.7% | $2,210 | +2% |
| 75044 | 47,529 | 4,503 | 27.1 min | 2.5% | $2,120 | −2% |
| 75042 | 38,112 | 4,994 | 29.0 min | 5.3% | $2,165 | 0% |
| 75041 | 32,943 | 4,157 | 30.7 min | 3.7% | $2,175 | +1% |
Minimum car insurance in Garland
Garland drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Garland at $790 a year, and $1,100 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Garland premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Dallas County as very high for hail, very high for inland flooding and very high for strong wind, and relatively low for hurricanes.
Traffic & commuting
6.9% of Garland commuters spend an hour or more getting to work, and there are 2.03 vehicles per household. 12.4% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 100.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.8 | Comprehensive; dwelling | |
| Hurricane | 73.6 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 99.6 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 98.5 | Comprehensive; dwelling | |
| Winter weather | 98.7 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Garland by driver profile
A clean-record driver in their 50s pays the least in our Garland model (about $1,990 for full coverage); an 18-year-old on their own policy pays about $5,945, and a DUI pushes a 30-something to $4,000.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,165 | $3,020 | $5,945 | $495 |
| Young adult (22) | $1,260 | $1,755 | $3,460 | $288 |
| Adult in their 30s | $790 | $1,100 | $2,160 | $180 |
| Adult in their 50s | $725 | $1,010 | $1,990 | $166 |
| Senior (72) | $880 | $1,230 | $2,420 | $202 |
| 30s, one at-fault accident | $1,140 | $1,590 | $3,135 | $261 |
| 30s, DUI on record | $1,455 | $2,030 | $4,000 | $333 |
Minimum vs. standard vs. full coverage in Garland
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $790 | $66 | $645–$930 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,100 | $92 | $900–$1,295 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,160 | $180 | $1,775–$2,550 |
Estimate your premium in Garland
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Cheap car insurance in Garland: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Garland's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $145 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $150 | You're among the 12.4% of Garland workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $585 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $1,060 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $475 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Garland
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 62 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Garland, our estimates differ by up to $90 a year between neighborhoods.
Car insurance agents near Garland, TX
We found 62 insurance offices within about 6 miles of central Garland, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Gene Pool - Farmers Insurance
615 Main St, Garland, TX 75040 -
Ranae Candia - State Farm
351 N 5th Street, Suite B, Garland, TX 75040 -
Freeway Insurance
1815 S 1st St, Garland, TX 75040 -
Fred Loya Insurance
TX -
Mike Chen - Allstate
1847 N Garland Ave, Garland, TX 75040 -
Anna Luna - Farmers Insurance
1918 E Miller Rd, Garland, TX 75041 -
Freeway Insurance
1529 Buckingham Rd, Garland, TX 75042 -
Brandon Flores Chavez - Farmers Insurance
102 N Shiloh Rd, Garland, TX 75042 -
Nat Martin - State Farm
2441 W Walnut Street, Suite 239, Garland, TX 75042 -
Lydia Barrientos - Farmers Insurance
3115 S 1st St, Garland, TX 75041 -
Diana Wickman - Allstate
3200 Broadway Blvd, Ste 150, Garland, TX 75043 -
Celeste Victoria Rodriguez - Farmers Insurance
1919 S Shiloh Rd, Garland, TX 75042 -
Freeway Insurance
115 E. Centerville Rd., Garland, TX 75041 -
Temi Yakubu - Farmers Insurance
1456 Belt Line Rd, Garland, TX 75044 -
Sylvia Taylor - Farmers Insurance
5501 Gordon Smith Dr, Rowlett, TX 75089 -
Greg Adams - Farmers Insurance
3623 Broadway Blvd, Garland, TX 75043 -
Bill Gharis - Farmers Insurance
3631 Broadway Blvd, Garland, TX 75043 -
Freeway Insurance
520 N Jupiter Rd, Garland, TX 75042 -
Farmers Insurance - Juanita Vank
629 West Centerville Road, #200, Garland, TX 75041 -
Christina Adcock - Allstate
675 Town Square Blvd, Ste 250, Garland, TX 75040 -
Shawn Burns - Allstate
3601 S Shiloh Rd, Ste A, Garland, TX 75041 -
Bobby Reneau - Allstate
1019 Northwest Hwy, Garland, TX 75041 -
AAA Insurance
TX -
Purnell Insurance Agency: Allstate Insurance
3927 Broadway Boulevard, Garland, TX 75043 -
Vicente Caballero - Farmers Insurance
2121 Northwest Hwy, Garland, TX 75041 -
Raul Holguin - Allstate
3605 Main St, Rowlett, TX 75088 -
Aaron Toews - State Farm
3706 Main St, Rowlett, TX 75088 -
Shayla Boles - GEICO
3337 Beltline Rd, Garland, TX 75044 -
Monica Dinh - Farmers Insurance
3112 N Jupiter Rd, Garland, TX 75044 -
Melanie Melton - Allstate
2402 Rowlett Rd, Rowlett, TX 75088 -
Thuy Thi Bich Hoang Hobbs - Farmers Insurance
12959 Jupiter Rd, Dallas, TX 75238 -
Eva Berenice Vazquez - Farmers Insurance
10720 Miller Rd, Dallas, TX 75238 -
Tom Rapp - Farmers Insurance
10990 Switzer Ave, Dallas, TX 75238 -
Muhammad Shamim - Farmers Insurance
4550 W Buckingham Rd, Garland, TX 75042 -
Tyme Insurance & Tax Services
11420 East Northwest Highway, #120, , TX -
Fred Loya Insurance
12414 Jupiter Road, , TX -
Nationwide
TX -
Freeway Insurance
TX -
Goosehead Insurance Foster Agency
TX -
Scott Bogue - State Farm
4325 Miles Road, Suite 103, Sachse, TX 75048
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Garland
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,620 | −25% |
| Subaru Outback | Wagon | $1,630 | −25% |
| Tesla Model 3 | Midsize car | $2,250 | +4% |
| Subaru Forester | Small SUV | $1,595 | −26% |
| Honda Civic | Compact car | $2,435 | +13% |
| Toyota Corolla | Compact car | $2,285 | +6% |
| Jeep Wrangler | Midsize SUV | $1,770 | −18% |
| Mazda CX-5 | Small SUV | $1,815 | −16% |
| MINI Cooper | Subcompact car | $1,630 | −25% |
| Tesla Model Y | Midsize SUV | $2,025 | −6% |
More car insurance topics in Garland
Car insurance in nearby Texas cities
- Richardson $2,040/yr · 6 mi
- Mesquite $2,165/yr · 11 mi
- Dallas $2,070/yr · 11 mi
- Plano $2,065/yr · 12 mi
- Allen $2,120/yr · 14 mi
- Carrollton $2,030/yr · 17 mi
- Irving $2,040/yr · 20 mi
- McKinney $2,085/yr · 20 mi
- Frisco $2,105/yr · 20 mi
- Lewisville $2,030/yr · 22 mi
- Grand Prairie $2,080/yr · 27 mi
- Southlake $1,955/yr · 30 mi
All Texas cities and state rules · Homeowners insurance in Garland
Frequently asked questions
How much is car insurance in Garland, TX?
We estimate full coverage in Garland at about $2,160 a year ($180 a month) for a driver in their 30s with a clean record, and about $790 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Garland more expensive than the Texas average?
Our Garland estimate is 14% higher than the statewide figure. The model reflects a population density of 4,405 people per square mile (the typical Texas resident lives at about 670) and an average commute of 29.7 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Garland?
Drivers in Garland follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Garland has the cheapest car insurance?
Among Garland's 5 ZIP codes, 75044 has the lowest estimate (about $2,120 a year for full coverage) and 75043 the highest (about $2,210), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Garland?
An 18-year-old with their own full-coverage policy would pay around $5,945 a year in Garland by our estimate ($2,165 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Garland?
Yes. FEMA's National Risk Index rates Dallas County for hail (very high), inland (river) flooding (very high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Garland?
We list 62 insurance offices in and around Garland, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Garland and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places