Find Car Insurance in Garland, TX
What You Should Know About Car Insurance in Garland, TX
Just a 30-minute northeast drive from Dallas, you will find a gem of a city. With a 2020 Census population of over 245,000, this bustling municipality offers a host of experiences, from unique shops that sell everything from Stetson cowboy hats to leather rugs — all manufactured in Garland — to endless entertainment and cultural events. Enjoy the 21,000-acre Lake Ray Hubbard, a variety of parks, and hotel stays that range from economical to luxurious.
Before traveling around or through Garland, contact an expert InsureOne agent who will help you obtain the best auto insurance with the white-glove service you deserve.
How Much Does Car Insurance Cost in Garland, Texas?
Obtaining car insurance in Texas is not too costly compared to other U.S. states. A full coverage policy will cost you about $2,019 per year, and a minimum liability policy will average $565. The national averages for these policies are $2,314 and $644, respectively.
What Does Full Coverage vs. Minimum Liability Mean?
If you are wondering why these policy types have different price tags, it is because they offer different levels of coverage. A full coverage policy offers you liability, collision and comprehensive coverage. So, even if you are at fault for an accident or if someone damages your vehicle while it is parked, this type of policy will help you pay to repair or replace your car.
On the other hand, a minimum liability policy will only pay for damages you cause to others, which explains why it is the less costly option.
Affordable Car Insurance Rates Comparison by Cities in Texas
Auto coverage rates within each city or zip code are affected by a variety of statistics. The table below shows monthly rates for Garland and several cities in its proximity.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Garland | $176 | $54 |
| Arlington | $168 | $53 |
| Dallas | $171 | $52 |
| Fort Worth | $163 | $49 |
| Irving | $215 | $59 |
How Bundling Your Car and Homeowners Insurance Can Save You Money in Garland
If you need to insure your house in addition to your vehicle, you should consider bundling your home and auto insurance. When you get more than one policy with the same carrier, insurers call it bundling. Getting multiple policies from a single vendor helps you streamline your bill management, and, in this case, you could save as much as 25% on both your auto and homeowners insurance.
Getting the best deal through bundling requires shopping for the most affordable car and home coverage and ensuring that the vendors offering these rates also offer favorable bundling discounts. While this seems like a lot of work, it is included in the white-glove services offered to you by your expert InsureOne agent. They do all the hard work so you do not have to, saving you time and money as they deliver a personalized package of policies with the best coverage and the most affordable premiums available.
What Types of Car Insurance Discounts Are Available in Garland?
If you are like every other car owner in Texas, you would probably love to lower your insurance premiums even further. You can accomplish this by taking advantage of the many discounts insurers offer. These are some examples you can mention to your InsureOne agent:
- Anti-theft discount
- Defensive driving discount
- Multi-vehicle discount
- Premium up-front discount
- Loyalty discount
Notable Car Insurance Laws in Garland
Insurers in Garland follow state law when it comes to insurance. Here are some Texas policies that might affect insurance in this city.
What Are the Mandatory Car Insurance Requirements in Garland?
Texas requires its drivers to obtain the following minimum levels of coverage in order to protect other drivers on the road and their property:
- $30,000 liability coverage for bodily injury per person
- $60,000 liability coverage for bodily injury per accident
- $25,000 liability coverage for property damage
What Is the Penalty for Driving Without Insurance in Garland?
It is never a good idea to operate a vehicle without having the proper coverage. If you get into an accident and have to pay for the damages without the help of an insurer, the loss could be financially devastating. In addition, if you are caught driving uninsured in Texas, you will face the following fines and penalties:
- $175 to $350 fine, possibly lower in cases of economic hardship
- $350 to $1,000 fine for a second offense
- A yearly insurance surcharge of $250 for three years
- Possible license suspension
- Possible vehicle impoundment
Do Garland-Specific Laws Play a Role in Determining Your Insurance Premiums?
Insurers delve into many details about you and the vehicle you intend to insure. These are some of the factors Texas law allows carriers to use as they determine your premium amounts:
- Options you choose: If you choose to add coverages like rental car reimbursement or 24/7 roadside assistance, your premiums will increase.
- Probability of theft: Every vehicle has a different probability of getting stolen based on statistics. The higher the probability, the more your insurer will charge.
- Vehicle safety rating: The safer your car is, the less likely you are to cause a crash, which lowers your insurer’s risk and, therefore, your policy cost.
- Gender: Based on statistics, women are less likely to cause an accident than men. Given similar circumstances, females will pay lower premiums than males.
- Marital status: Similarly, statistics show that married people are less likely to cause a crash than single individuals.
What Is the Best Car Insurance for Teenagers and Their Families in Texas?
Teens are expensive to insure because, statistically, they are the most likely drivers to be involved in an accident. Here are some things you can do to lower the high cost of insuring your teenage driver:
- Instead of getting your teen their own policy, you will save money by adding them to your policy.
- Make sure you have more than the minimum required level of coverage to protect you in case your teen causes an accident.
- Choose a carrier that offers student discounts.
- Get your teen a low-priced vehicle that is more affordable to insure than other vehicles.
The expert agents at InsureOne will help you find the best auto insurance with customizable options that best meet your and your teenager’s needs.
Typical Driving Conditions in Garland
Garland gets plenty of traffic during the busier hours of the day. This applies to both local roadways and highways like the 635 and the 30, both of which help commuters make their daily trip to Dallas. The downtown area is very walkable and does not require much driving, and you can connect from there to the Dallas Area Rapid Transit system.
How Many Car Accidents Happen in Garland Per Year?
The Texas Department of Transportation reports the following as total crashes in Garland and several nearby cities in 2023:
| City | Total Crashes |
|---|---|
| Garland | 2,979 |
| Arlington | 5,699 |
| Dallas | 31,678 |
| Fort Worth | 13,445 |
| Irving | 4,625 |
How Many Uninsured/Underinsured Motorists Are in Garland?
TexasSure, a division under the Texas DMV, estimates that 20% of drivers in the state were uninsured in 2022. The Insurance Information Institute shows that 13.8% of Texas drivers were uninsured, a much lower number that still points to the importance of obtaining uninsured motorist coverage.
Get Covered by the Best Car Insurance in Garland, Texas, Today
Garland is a happening city that is just a relatively short drive from major economic hubs like Dallas and Fort Worth. If you are thinking of staying in the area you will be doing a lot of driving, which means that you will need an excellent car insurance policy.
InsureOne is a one-stop shop for all your insurance policies. Take advantage of our concierge services as we connect you with top-tier carriers who provide the best coverage at the best prices. Contact us by stopping by one of our physical locations, calling us at (800) 836-2240, or visiting our website.