Best
Why Pay More ?
Garland is a big, busy city in Texas, right in the middle of everything. It's like a mix of fancy neighborhoods and super-fast city life. There are many cool things to do, like visiting parks and special places like the Reunion Tower and Old City Park. And if you want to have a blast, you can visit fun spots like the Hawaiian Falls Garland Waterpark, the Texas Skatium, and the Plaza Theatre.
A bunch of really important companies help Garland's economy grow, and there are a lot of people who work there. This means many folks are driving to their jobs every day. SmartAsset found out that in Garland, Texas, 86.1% of the people who work there have to drive to their jobs, so they need to have best car insurance .
Get a quick insurance quote right away for a stress-free trip, and travel with confidence, knowing that CINCO Auto Insurance is on your side.
Quick Facts About the Auto Insurance in Garland:
- On average, 29.7 minutes are spent commuting to work every day in Garland, according to the findings of 2021.
- Most people from the workforce prefer driving alone in Garland, making up around 76.6% of the population.
How much does Auto Insurance in Garland Cost?
In Garland, regular car insurance costs about $133 a month for basic coverage and around $190 a month for full coverage. Drivers in Garland pay 1% less than the Texas average. Here at CINCO Auto Insurance we can help you compare almost 50 different insurance plans, and it won't cost you a thing! We want to make sure you feel good about your choice. We also consider how much money you can afford because we know it's important to you.
Auto Insurance Costs by Zip Code in Garland:
In Garland, there are different areas with their own special zip codes, and the cost of car insurance can be really different depending on which area you're in. The things that make the price go up or down in each area are things like how many drivers don't have insurance around there, how much crime there is, and how many robberies happen.
| Zip Code | Average Monthly Quote (Liability) |
| 75040 | $108 |
| 75041 | $126 |
| 75042 | $100 |
| 75043 | $115 |
| 75044 | $85 |
| 75048 | $84 |
Car Insurance Rates by Age in Garland:
Your age can affect how much you pay for car insurance in Garland. You might pay the most if you're a young teenage driver, but older, more experienced drivers usually pay less. That's because you usually have more practice and show more responsibility as you get older.
Here at CINCO Auto Insurance , we'll do our best to come up with a plan that fits your budget. We want to make sure you get suitable Auto Coverage in Garland, even if your budget is tight. These are the usual monthly prices from different insurance companies in Texas, depending on how old you are.
Driving Conditions in Garland:
How many accidents happen in Garland every year?
Garland, Texas, has a tricky situation when it comes to accidents and road safety. The number of accidents has been going up and down over the past few years. The police have been working hard to make the roads safer, but the accident rates have still been changing. The condition of the roads is a big reason why.
How bad are the roads in Garland?
Some neighborhoods have problems like potholes and not enough light, but important areas have pretty good roads. The differences in road conditions might be a reason why accidents happen in certain spots. The city leaders are aware of this and plan to improve the roads.
In Garland, Texas, the Street Department is responsible for making sure Garland's roads, paths, and other related structures are in great shape. They regularly fix, care for, and sometimes even replace parts of the city's roads.
Minimum Car Insurance Requirements in Garland:
In Garland, Texas, you have to have a type of insurance called Liability coverage. It is commonly known as the "30/60/25" plan. Here are the minimal coverages you must have according to the State Guidelines:
- $30,000 for each person's Bodily Injury Liability (BI).
- $60,000 for Bodily Injury Liability (BI) in total for one accident
- $25,000 for Property Damage Liability (PD).
So, if there's an accident, your insurance will pay up to $60,000 for injuries but no more than $30,000 for one person. It also covers up to $25,000 for property damage. Unless you decline it in writing, you must get at least $2,500 in Personal Injury Protection (PIP) insurance.
Major Discounts for Automobile Insurance in Garland:
Who doesn’t love discounts? Responsible driving can earn you a discount while purchasing Auto Insurance in Garland . You can even qualify for discounts if you have a clean driving record for a certain period.
CINCO Auto Insurance is here to assist you in finding the perfect coverage to secure you and your vehicle at a reasonable cost; we also provide free quotes, comparisons, and a wide range of discounts!
There are multiple discount options, which may include:
| Military discounts | Renewal Discounts | Continuos insurance discounts |
| Multi-policy Discounts | Marriage Discount | Loyalty discounts |
| Multi-car Discounts | Bundling Discounts | Accident-free Discount |
| Costco Discount | Defensive Driving Course Discount | Teen Drivers |
| Lien Holder Discount | Senior Drivers, | Bundling Policies |
| Good driver Discounts | Paid-in-Full | Automatic Payments |
| Occupational discounts | Paperless Billing | Vehicle Safety Ratings and Features |
| First Responders | Affiliation Discounts | Low Mileage Discounts |
| Mature, retired, or senior discount | User-Based | Telematics-Based |
Penalties for Traffic Violations/Offenses in Garland:
It's really important to have proof of insurance when driving in Texas. If a police officer stops you, they'll ask you to pull out the following: your driver's license, your Texas vehicle registration, and any papers that prove you have Vehicle Insurance in Garland.
If it's your first time getting caught without insurance, you might have to pay fines between $175 and $350. But if it happens again, the fines could go up to between $350 and $1000. If you break these rules, your insurance costs could increase. Here's a list of violations and how much they might increase the rates of your insurance premium.
| Violation | Premium Increase After Infraction |
| Red Light Infraction | 23% |
| Speeding Ticket | 27% |
| Reckless Driving Infraction | 98% |
| Suspended Driver’s License Infraction | 104% |
| DUI | 107% |
Major Amenities in Garland:
Garland is known for being really convenient because it has many important services in the area. They have several DMV (Department of Motor Vehicles) offices in accessible locations, which makes things like registering your vehicle or renewing your license much easier. The "Texas Department of Motor Vehicles," in particular, is well-known for giving citizens smooth and hassle-free service.
The Nicholson Memorial Library is one of the many libraries with lots of information on different topics and runs community programs throughout the year. It is great for citizens looking out for information on subjects. Apart from that, there are tax offices from Dallas and Collin County right here to help people and businesses in the area. These services make Garland stand out as a city that's easy to get around and enjoyable to be a part of.
From License Renewals to Title Transfers, We've Got You Covered; Discover the top 4 DMV offices near your town!
| Name | Address | Contact Number | Official Website |
| Texas Department of Public Safety | 4445 Saturn Rd Ste A Garland, TX 75041 | 1 214-861-3700 | Link |
| Dallas/OakCliff Tax Collector Office | 408 S Beckley Ave Dallas, TX 75208 | 1 214-653-7811 | Link |
| Texas Department Of Transportation | 350 W Interstate 30 Garland, TX 75043 | 1 214-861-2125 | Link |
| North Texas DPS Testing | 3905 Melcer Dr. Ste 504 Rowlett, TX 75088 | 469-844-1377 | Link |
Get a Quote for Car Insurance in Garland Right Away!
Being a responsible driver demands more than just hitting the road - it includes taking care of yourself and your vehicle side by side. At CINCO Auto Insurance , we realize the great importance of safety alongside stability. We provide Affordable Auto Insurance in Garland at the most suitable rates!
Let CINCO Auto Insurance be your guiding light toward a reliable car insurance policy . Receive a quote online, call us at 855-336-8555, or email your query to startsaving@cincoautoinsurance.com .