Texas Cheapest Car Insurance, Minimum Requirements & Strategies to Lower Your Premium

For drivers with a decent driving history, the overall least expensive car insurance companies in Texas are with Texas Farm Bureau, State Farm, and Progressive.

Depending on the city your reside in, each carrier can offer quotes from 22% to nearly 38% lower than the median rate for drivers of similar age and profile. 

Other carriers to put on your bucket list to get quotes are Mercury, Nationwide, and Allstate.

Depending on your age, all three insurers can offer cheap quotes from 17% to over 25% lower than the median rate for similar age drivers.

For current or former military, your best option is with USAA.

In this article, I am going to cover the cheapest auto insurance companies in Texas, the minimum coverage requirements, and a few cost-saving tips along the way.

If you would like to skip to a certain portion of the article, there is a table of contents down a little and to the right.

Minimum Auto Insurance Requirements in Texas

Coverage	Texas Minimum Liability Coverage	Recommended Coverage
Bodily Injury Protection	$30,000 / $60,000	$100,000 / $300,000
Property Damage	$25,000	$50,000
Uninsured Motorist Bodily Injury Coverage*	$30,000 / $60,000	$100,000 / $300,000
Uninsured Motorist Property Damage*	$25,000	$50,000
Personal Injury Protection (PIP)*	$2,500	$2,500
Comprehensive Coverage	Optional	$250 - $1,000 deductible
Collision Coverage	Optional	$250 - $1,000 deductible

*Coverage can be rejected in writing.

Bodily Injury Liability

Bodily injury liability covers the doctor’s expenses of the other driver and their passengers when the insured is discovered to be at-fault for an accident.

Under the minimum auto insurance coverage, the insurer will pay up to $30,000 for a single person and $60,000 for multiple people injured in the accident.

Note: For a 25 year old driver the lowest quotes are from GEICO, Texas Farm Bureau, and State Farm, as illustrated. For further comparison please see table below.

Property Damage Liability

Property damage liability covers repairs for damages that happen to the other person’s car as well as damage to any private and public property.

When the minimum coverage is purchased the insurer will pay as much as $25,000 for repairs that are required.

Note: As illustrated, the best premium options are from GEICO, State Farm, and TX Farm Bureau for a 30 year old driver.

The list number for the minimum requirements is 30/60/25 which is always in thousands.

Since Texas is the second largest state population wise, the minimum requirements are relatively low for a state with a high number of drivers.

Note: The cheapest carriers clustered near $1,600 for a 35 year old driver. For further details please see table below.

Cheapest Auto Insurance Companies by Rate & Age

I queried more than 20 companies in the state to find out who has the least expensive rates.

With each carrier I queried at least 5 times to get an average.

Overall the lowest quotes are offered by GEICO, Texas Farm Bureau, and State Farm.

If you shop for quotes your price could be higher or lower depending on factors such as your location, age, and past driving history.

Texas Company	Average Annual Rate 25 Y/O Driver	30 Y/O Driver	35 Y/O Driver	40 Y/O Driver	45 Y/O Driver	55 Y/O Driver
GEICO	$2,331	$1,978	$1,598	$1,185	$989	$832
Texas Farm Bureau	$2,344	$1,987	$1,612	$1,232	$1,009	$834
State Farm	$2,362	$2,009	$1,614	$1,245	$1,011	$845
Progressive	$2,387	$2,014	$1,616	$1,265	$1,023	$867
Nationwide	$2,388	$2,034	$1,623	$1,278	$1,041	$887
Mercury	$2,401	$2,060	$1,668	$1,285	$1,056	$902
Allstate	$2,489	$2,089	$1,679	$1,341	$1,078	$904
Farmers	$2,554	$2,121	$1,700	$1,347	$1,080	$909
American Family	$2,605	$2,122	$1,706	$1,349	$1,098	$900
Unitrin	$2,623	$2,122	$1,706	$1,357	$1,213	$910
Allied	$2,699	$2,209	$1,745	$1,378	$1,211	$920
MetLife	$2,749	$2,278	$1,778	$1,441	$1,211	$921
Encompass	$2,750	$2,278	$1,899	$1,456	$1,214	$931
Amica	$2,755	$2,332	$1,867	$1,441	$1,243	$956
Unitrin	$2,756	$2,378	$1,878	$1,456	$1,244	$978
21st Century	$2,777	$2,345	$1,867	$1,488	$1,234	$1,008
Liberty Mutual	$2,788	$2,479	$1,943	$1,490	$1,256	$999
Esurance	$2,787	$2,502	$1,944	$1,556	$1,231	$1,002
Kemper	$2,805	$2,422	$1,942	$1,576	$1,230	$1,021
Safeco	$2,799	$2,448	$1,977	$1,488	$1,231	$998

As recommend, no matter the state you reside in, the minimum coverage is not adequate, particularly if you have a newer model vehicle.

Policy-holders want to be sure they are covered for any unforeseen accidents.

Comprehensive & Collision Coverage

Comprehensive coverage is recommended in the state since there can be harsh weather with heavy rainfall during hurricane season.

The state also has a high rate of auto theft and if you have comprehensive cover your stolen vehicle will be covered.

If you have a newer model vehicle it would be wise to think about collision coverage too.

Even older model cars should consider have some level of collision coverage, particularly driving in big cities such as Dallas, and if you have a loan on your vehicle collision coverage is going to be required.

Uninsured Motorist Protection

Uninsured motorist protection would be a good to consider since the state has an uninsured motorist rate of one out of every ten drivers driving uninsured.

In the northern part of Texas the uninsured motorist rate is lower than in the southern part of the state.

Gap Coverage for Financed Vehicles

Since the majority of the vehicles are financed getting Gap coverage would be a good idea.

Gap coverage is going to cover the “gap” between the “actual value” of the vehicle and what is “left over” or the “gap” from financing the vehicle.

For example, if you vehicle has a blue book value of 18,000 dollars and you financed $24,000, but have left to pay the bank an amount of $22,000 dollars then you have a 4,000 dollar “gap”

Best Insurance Companies by Rating, Rate Change over 18 Months, and Complaints

Below is a table with the best insurance companies by rate change, complaints, and consumer rating.

The amount of written premiums is included however the important data for consumers are the latter three columns.

The amount of complaints for each insurer is normal since those with a higher amount of written premiums will have more complaints.

The rate change shouldn’t be alarming since it is within the state average.

And the data for consumer ratings is from JD Power & Associates, AM Best, and other reputable online portals to get an average.

Texas Company	Premiums	Rate Change < 18 Months	# of Complaints	Consumer Rating out of 5 Stars
GEICO	$535,701,791	+3.1%	88	4.3
Texas Farm Bureau	$415,641,543	+3.4%	76	4.0
State Farm	$547,875,321	+3.4%	101	4.4
Amica	$121,528,000	+3.4%	14	4.1
USAA	$459,137,823	+3.8%	121	4.4
Progressive	$631,273,206	+3.3%	138	4.5
Farmers	$199,742,542	+3.9%	43	3.9
Mercury	$84,920,209	+4.1%	23	4.1
MetLife	$81,253,753	+2.9%	31	3.9
Nationwide	$408,631,874	+2.8%	211	4.4
Liberty Mutual	$134,165,829	+2.9%	29	4.4
Allstate	$246,012,635	+4.3%	29	4.3
21st Century	$87,863,887	+2.9%	21	4.2
Travelers	$51,504,011	+3.1%	8	4.1
American Family	$78,715,033	+2.9%	37	4.4
Esurance	$76,331,911	+3.6%	8	4.3
Safeco	$17,456,343	+3.5%	6	3.8
Ameriprise	$21,010,361	+3.0%	8	3.9
State Auto	$10,243,521	+2.6%	9	3.9
Kemper	$7,125,841	+4.1%	12	3.8
Titan	$9,912,218	+3.1%	26	3.8
Hartford	$43,954,567	+3.4%	48	4.0
Horace Mann	$15,719,994	+3.5%	14	3.9
Home State County	$21,854,032	+3.8%	31	3.7
Allstate Indemnity Company	$32,340,768	+4.1%	16	3.8

Source III.org

Average Rate by City

Included in the data below are 40 cities in the state with the average premium.

If your quotes are substantially higher than those below you may want to inquire with your current insurer.

You can look into any contributing factors such as your credit or driving history.

Some driving infractions can be used even if they happened 2 or 3 years ago.

If you would like detailed comparison by city please read further below.

City	Average Rate	Population	City	Average Rate	Population	City	Average Rate	Population	City	Average Rate	Population
Abilene	$1,823	117,063	Bayside	$1,611	325	Del Rio	$1,865	35,998	Huntsville	$1,754	38,548
Addison	$1,844	13,056	Baytown	$1,763	71,802	Denton	$1,887	113,383	Ingleside	$1,769	9,387
Alamo	$1,852	18,862	Beaumont	$1,933	118,296	Duncanville	$1,711	38,524	Jasper	$1,861	7,590
Allen	$1,763	18,353	Bedford	$1,943	46,979	Edinburg	$1,832	77,100	Killeen	$1,893	127,921
Angleton	$1,887	18,862	Brownsville	$1,978	175,023	El Campo	$1,761	11,602	La Grange	$1,897	4,690
Alvarado	$1,944	3,993	Bryan	$1,951	76,201	Flower Mound	$1,723	64,669	Lewisville	$1,891	95,290
Arcola	$2,076	2,202	Burnet	$1,808	5,987	Galveston	$1,895	50,550	Lufkin	$1,751	35,067
Bacliff	$1,954	8,619	Caldwell	$2,132	4,326	Grand Prairie	$1,941	175,396	McKinney	$1,861	131,117
Bayou Vista	$1,765	1,537	Cedar Hill	$1,965	45,028	Greenville	$2,004	25,557	Mesquite	$1,769	139,824
Bay City	$1,843	17,614	Cleburne	$1,945	30,223	Harlingen	$1,954	64,849	Odessa	$1,892	99,940

Dallas, TX

Residents of Dallas can find cheap car insurance if they get quotes from GEICO, Texas Farm Bureau, and State Farm.

I queried each at $1,411, $1,487, and $1,490 respectfully for a 30 year old driver.

This is 29% lower than the average insurance rate of nearly $2,000 per year.

Progressive and Nationwide are well below the “mean” rate clustering just under $1,600 per year.

For a 45 year old driver I found the lowest rates are offered by GEICO at $1,008 per year for full coverage.

This is nearly 50% lower than the average rate of Dallas.

Texas Farm Bureau and State Farm are worth getting quotes from since both are well below the average rate.

A family of 4 should get quotes from all insurers illustrated for maximum savings and optimum coverage.

Each insurer will independently find a quote which is tailored to a family’s needs.

Dallas Company	30 Y/O Driver	45 Y/O Driver
GEICO	$1,411	$1,008
Texas Farm Bureau	$1,487	$1,032
State Farm	$1,490	$1,090
Progressive	$1,564	$1,122
Nationwide	$1,587	$1,143
Mercury	$1,688	$1,156
Allstate	$1,690	$1,189
Farmers	$1,754	$1,214
American Family	$1,888	$1,356

With more than 1.2 million residents, Dallas is one of the largest cities in the United States, and is located at the center of the Dallas-Fort Worth-Arlington metropolitan area.

It is home to many Fortune 500 companies, including Halliburton, Southwest Airlines, and Texas Instruments.

Founded by John Neely Bryan in 1841, today it is a center for arts and culture.

Houston, TX

Getting cheap auto insurance in Houston is easy for residents if they know where to look.

The cheapest carriers I queried are Progressive, Texas Farm Bureau, and GEICO.

I queried each at $1,411, $1,423, and $1,476 respectfully.

In my list of top 5 for a 30 year old driver includes Mercury at $1,534.

This is more than 25% lower than the average rate of $2,090 in Houston.

A 45 year old driver can find affordable car insurance with Progressive, Texas Farm Bureau, and GEICO.

Each of them clustered under the $1,100 mark.

This is over 35% lower than the “mean” rate. State Farm, Mercury, and Nationwide are not far behind with quotes below the $1,200 mark.

A family of 4 should consider getting quotes from all 5 insurance firms illustrated.

Farmers and American Family are higher than other insurers I queried, but well below the average rate.

Houston Company	30 Y/O Driver	45 Y/O Driver
Progressive	$1,411	$1,007
Texas Farm Bureau	$1,423	$1,043
GEICO	$1,476	$1,078
State Farm	$1,490	$1,132
Mercury	$1,534	$1,163
Nationwide	$1,590	$1,178
Allstate	$1,611	$1,190
Farmers	$1,654	$1,216
American Family	$1,782	$1,289

Houston was founded by two New York real estate promoters, John Kirby Allen and Augustus Chapman Allen, who purchased the land in 1836 and founded a town named after Sam Houston.

The city was incorporated in 1837 and was the capital of the Republic until early 1839, when the capital was moved to Austin. 

Austin, TX

The average premium in Austin is over $2,000 per year.

I queried top carriers and found quotes 40% lower on average.

At the top of the list is TX Farm Bureau, GEICO, and Progressive.

Each at $1,232, $1,267, and $1,267 respectfully for a 30 year old driver.

State Farm and Mercury are under the $1,400 mark which is nearly 30% lower than the average rate.

For a 45 year old driver I found two car insurance firms under $1,000 – GEICO and Texas Farm Bureau.

Progressive and State Farm are not far behind clustering under the $1,100 mark.

A family of 4 should be able to find affordable insurance rate for any of the 10 carriers I queried.

All of them landing at least 16% lower than then “mean” rate of Austin.

Austin Company	30 Y/O Driver	45 Y/O Driver
Texas Farm Bureau	$1,232	$932
GEICO	$1,267	$987
Progressive	$1,267	$1,009
State Farm	$1,345	$1,076
Mercury	$1,378	$1,103
Nationwide	$1,427	$1,143
Allstate	$1,487	$1,176
Farmers	$1,505	$1,213
American Family	$1,550	$1,214

Austin has nearly 1 million residents and is considered the live music capital of the world which boasts over a hundred live music venues.

Austin was founded as the village of Waterloo in 1837.

Waterloo was chosen to become the capital of the Republic of Texas in 1839.

San Antonio, TX

Getting the lowest premium for residents of San Antonio is pretty easy if you get quotes from Progressive, Texas Farm Bureau, and GEICO.

Each of the carriers clustered under the $1,400 mark for a 30 year old driver.

This is 25% lower than the city average of $2,000 per year.

State Farm and Mercury are just over $1,500 per year for full coverage.

A 45 year old driver can find inexpensive insurance with Texas Farm Bureau, GEICO, and Progressive.

I queried each at $1,007, $1,043, and $1,078 respectfully.

Or more than 40% lower than the “mean” rate.

All of the 10 carriers I queried are at least 26% lower than the “mean” rate and should be considered when trying to lower your auto premium.

San Antonio Company	30 Y/O Driver	45 Y/O Driver
Progressive	$1,409	$1,021
Texas Farm Bureau	$1,444	$1,054
GEICO	$1,487	$1,089
State Farm	$1,500	$1,156
Mercury	$1,532	$1,167
Nationwide	$1,589	$1,189
Allstate	$1,600	$1,243
Farmers	$1,698	$1,267
American Family	$1,743	$1,330

With nearly 1.5 million residents San Antonio has become a tourist hub for the state.

The famed RiverWalk (Paseo Del Rio) takes visitors along 3 miles of cool shady pathways lined with unique quaint shops, cafes, restaurants, and nightclubs.

El Paso, TX

El Paso’s average auto insurance rates are high compared to the U.S. average hovering at $2,100 per year.

I found the top 5 illustrated are 25% lower than then average rate.

If want the cheapest rates start with Progressive since I was offered a quote at $1,423 for a 30 year old driver with decent driving history.

Texas Farm Bureau and State Farm offered similar, but a little higher, quote at $1,441 and $1,465 respectfully.

GEICO and Mercury clustered near the $1,500 mark for a 30 year old.

A 45 year old driver can find the same low rates with Progressive, Texas Farm Bureau, and State Farm.

With each clustering at $1,050 mark for a 45 year old.

Although during our queries for El Paso Progressive was the cheapest, this doesn’t mean not to get quotes from the others down the list illustrated in the table and/or chart.

El Paso Company	30 Y/O Driver	45 Y/O Driver
Progressive	$1,423	$1,034
Texas Farm Bureau	$1,441	$1,056
State Farm	$1,465	$1,087
GEICO	$1,490	$1,093
Mercury	$1,501	$1,132
Nationwide	$1,556	$1,176
Allstate	$1,604	$1,206
Farmers	$1,645	$1,254
American Family	$1,708	$1,290

El Paso is the 6th largest city in the state of Texas with nearly 700,000 residents. 

The comfortably dry heat of the El Paso sun allows outdoor recreation throughout the year.

El Paso is known for wonderful and breathtaking golf courses, including highly-acclaimed Painted Dunes.

Fort Worth

Drivers in Forth Worth can find the lowest premiums with Texas Farm Bureau, Progressive, and State Farm.

I queried each at $1,236, $1,355, and $1,426 per year for a 30 year old driver.

Which is 16% to 27% lower than the “mean” rate of a driver with a similar profile.

Since the average premium is $1,680 per year any of the insurers illustrated are worth getting quotes.

Each carrier is at least 10% lower than the average premium.

A 45 year old can get the cheapest prices with TX Farm Bureau, Progressive, and State Farm.

Each queried at $987, $1,008, and $1,043 respectfully for full coverage.

All three carriers are more than 25% lower than the citywide average premium.

Fort Worth Company	30 Y/O Driver	45 Y/O Driver
Texas Farm Bureau	$1,236	$987
Progressive	$1,355	$1,008
State Farm	$1,426	$1,043
Mercury	$1,487	$1,097
Nationwide	$1,552	$1,132
GEICO	$1,574	$1,176

The 5th largest city is Forth Worth with over 850,000 residents and covering over 350 square miles. 

Named after army commander William J. Worth, the city was founded during the Mexican War in 1849 as a military outpost.

Arlington

Arlington drivers can find the cheapest premiums with TX Farm Bureau, Progressive, and State Farm.

I queried each at $1,311, $1,324, and $1,480 per year for a 30 year old driver.

Each are 10% to 20% lower than the Arlington average of $1,632 per year.

Mercury is another carrier which is 7% lower than average making worth getting quotes from.

A 45 year old can get the least expensive quotes with Texas Farm Bureau.

I queried them at $1,032 per year for full coverage.

Which is 23% lower than the average premium for a driver of similar age and profile.

In fact, a 45 year old should compare all carrier illustrated to find the most savings and optimum coverage.

Arlington Company	30 Y/O Driver	45 Y/O Driver
Texas Farm Bureau	$1,311	$1,032
Progressive	$1,324	$1,055
GEICO	$1,436	$1,128
State Farm	$1,480	$1,200
Mercury	$1,556	$1,215
Nationwide	$1,600	$1,280

Arlington is the 7th largest city in the state and is part of the metropolitan area of Dallas-Fort Worth which is nearly 7 million residents.

Home to one of the most prestigious engineering colleges, the University of Texas, other major corporations call Arlington home such as General Motors and National Semiconductor. 

Corpus Christi

Drivers in Corpus Christi can find the lowest quotes with TX Farm Bureau, Progressive, and State Farm.

I queried each at $1,187, $1,235, and $1,400 per year for a 30 year old driver.

Which is 14% to 27% lower than the citywide average premium of $1,607.

All carriers illustrated are at least 8% lower than the “mean” rate.

A 45 year old can get affordable quotes with TX Farm Bureau and Progressive.

Each queried at $903 and $955 respectfully for full coverage.

Which is 26% to 29% lower than the average premium for a driver of similar age and profile.

A 45 y/o driver with good driving history should be able to get quotes below $1,000 in Corpus Christi.

Corpus Christi Company	30 Y/O Driver	45 Y/O Driver
Texas Farm Bureau	$1,187	$903
Progressive	$1,235	$955
GEICO	$1,327	$980
State Farm	$1,400	$1,065
Mercury	$1,440	$1,144
Nationwide	$1,511	$1,200

Corpus Christi, meaning the body of Christ in Latin, was founded in 1839 with less than 100 residents.

Today there are nearly 325,000 and is considered on the most beautiful cities on the coast of Texas.

Plano

When I queried for quotes for a 30 year old driver in Plano I found the cheapest to be Progressive, TX Farm Bureau, and Mercury.

I queried each at $1,322, $1,336, and $1,409 per year for full coverage.

Which is 12% to 17% lower than the average premium of $1,580 in Plano.

There are a few carriers which offered quotes near or above the “mean” rate.

A 45 year old can get the cheapest premium with Progressive and TX Farm Bureau.

I queried each at $985 and $1,045 per year for full coverage.

Which is 19% to 21% lower than the average premium for a similar age driver in Plano.

Some of the insurers are near or above the average premium, however, getting quotes from them are free and therefore you should consider them when shopping for a new policy.

Plano Company	30 Y/O Driver	45 Y/O Driver
Progressive	$1,322	$985
Texas Farm Bureau	$1,336	$1,045
Mercury	$1,409	$1,080
GEICO	$1,456	$1,132
State Farm	$1,530	$1,187
Nationwide	$1,558	$1,203

The only city in the state with a AAA bond rating is Plano.

Incorporated as a city in 1873 with only a few hundred residents, today, it boasts 270,000 residents.

Plano’s economy is thriving and the government is interested in forming successful partnerships with local businesses. 

Laredo

Drivers in Laredo can get the cheapest quotes with TX Farm Bureau, Progressive, and Mercury.

I queried each at $1,106, $1,180, and $1,255 per year for a 30 year old driver.

Which is 20% to 30% lower than the average premium of $1,554 in Laredo.

All the insurers illustrated are below the “mean” quote and therefore should be considered when shopping for quotes.

A 45 year old can get low quotes with TX Farm Bureau. I queried them at $897 which is 35% lower than the average premium.

Any of the carriers illustrated for a 45 year old are worth comparing quotes to find optimum coverage and maximize savings.

Laredo Company	30 Y/O Driver	45 Y/O Driver
Texas Farm Bureau	$1,106	$897
GEICO	$1,144	$943
Progressive	$1,180	$1,032
Mercury	$1,255	$1,068
State Farm	$1,328	$1,143
Nationwide	$1,407	$1,170

Laredo was settled in 1755 with less than 100 residents.

Today, it is the 10th most populated city in the state with a population of approximately 240,000 people.

Since the 1990’s, Laredo’s economy is based on international trade with Mexico.

Lubbock

Drivers in Lubbock can find the cheapest car insurance quotes with TX Farm Bureau, Progressive, and Mercury.

Each queried at $1,125, $1,155, and $1,208 per year for a 30 year old driver.

Which is 20% to 24% lower than the citywide premium of $1,508.

All of the insurers illustrated are at least 11% lower than the “mean” rate.

A 45 year old can get affordable quotes with Farm Bureau and Progressive.

I queried each at $901 and $935 per year for full coverage.

Which is 25% to 27% lower than the average policyholder in Lubbock.

Lubbock Company	30 Y/O Driver	45 Y/O Driver
Texas Farm Bureau	$1,125	$901
Progressive	$1,155	$935
Mercury	$1,208	$965
GEICO	$1,235	$990
State Farm	$1,307	$1,087
Nationwide	$1,356	$1,105

One of the fastest growing cities in the state is Lubbock.

Settled in 1890 and incorporated as city in 1909, today it has nearly 250,000 residents with projections of 340,000 in the near future.

The area is the largest contiguous cotton-growing region in the world.

Irving

To find the least expensive quotes in Irving start with TX Farm Bureau, Progressive, and State Farm.

I queried each at $1,121, and $1,154, and $1,236 respectfully per year for a 30 year old driver.

Which is 20% to 27% lower than the citywide average quote of $1,527 per year.

In fact, all the insurers illustrated are at least 7% lower than the “mean” quote in Irving.

A 45 year old can get affordable quotes with Farm Bureau and Progressive.

Each queried at $870 and $904 per year for full coverage.

Which is 27% to 31% lower than the average policyholder.

Irving Company	30 Y/O Driver	45 Y/O Driver
Texas Farm Bureau	$1,121	$870
Progressive	$1,154	$904
State Farm	$1,236	$943
Mercury	$1,387	$980
GEICO	$1,400	$1,043
Nationwide	$1,438	$1,080

Irving began in 1889 as a settlement called Gorbit.

In 1894 the name of the settlement was changed to Kit, and its location was shifted to accommodate an anticipated railroad route.

Today, Irving is the 13th most populated city in the state with approximately 240,000 residents.

Garland

Drivers can find inexpensive car insurance in Garland if they get quotes from TX Farm Bureau, Progressive, and Mercury.

I queried each at $1,078, $1,100, and $1,154 per year for a 30 year old driver.

Which is 26% to 31% lower than the “mean” rate of $1,550 per year.

I found quotes clustering between $1,078 and $1,154 then jumping up significantly for other carriers.

However, this shouldn’t deter you since all of them are at least 10% lower that the average rate.

For a 45 year old I found quotes clustering between $862 and $1,052.

With Farm Bureau the cheapest at $862.

Which is 33% lower than the citywide average premium.

With a variance of $190 among all carriers illustrated this could mean more than 25% in price.

Which would make sense to compare quotes to find the most savings.

Garland Company	30 Y/O Driver	45 Y/O Driver
Texas Farm Bureau	$1,078	$862
Progressive	$1,100	$897
Mercury	$1,154	$921
State Farm	$1,238	$938
GEICO	$1,369	$987
Nationwide	$1,400	$1,052

One of the most family friendly cities in Texas is Garland.

Incorporated as city in 1891 with less than 1,000 residents, today, there are nearly 230,000 people residing in Garland.

Most of the city resides in the Dallas-Forth Worth metropolitan area.

There is ease of access to downtown Dallas through Blue Dart stations and buses.

Resources & DMV Information

Department of Insurance	Department of Transportation	Department of Motor Vehicles
333 Guadalupe St, Austin, TX 78701 (800) 578-4677	1009 Court St, Newton, TX 75966 (409) 379-4681	1925 E Belt Line Rd #100, Carrollton, TX 75006 (972) 478-5200
Website	Website	Website

Sources

https://www.safeauto.com/

https://www.allstate.com/

https://www.thesimpledollar.com/

https://www.tdi.texas.gov/consumer/index.html

https://www.txfb-ins.com/