{
  "entity": "Texas Insurance",
  "state": "TX",
  "licensed": true,
  "published": {
    "state": "TX",
    "city": "Garland",
    "zip": "75040",
    "basis": "filed sample rate",
    "source": "Texas Department of Insurance sample rates, effective 2025-06-01",
    "effective": null,
    "unit": "USD per year",
    "profile": "a driver born in 1986, 2021 Toyota RAV4, standard coverage, clean record, 12,000 miles a year",
    "note": "Liability only at the chosen limits, for a standard 2024 vehicle, average credit. Your rate will differ.",
    "rows": [
      {
        "carrier": "FARMERS TEXAS COUNTY MUTUAL INSURANCE COMPANY",
        "monthly": 50,
        "annual": 594,
        "am_best": "A",
        "complaint_index": 1.15
      },
      {
        "carrier": "PROGRESSIVE COUNTY MUTUAL INSURANCE COMPANY",
        "monthly": 53,
        "annual": 631,
        "am_best": "A+",
        "complaint_index": 0.66
      },
      {
        "carrier": "UNITED SERVICES AUTOMOBILE ASSOCIATION",
        "monthly": 53,
        "annual": 640,
        "am_best": "A++",
        "complaint_index": 1.18
      },
      {
        "carrier": "USAA CASUALTY INSURANCE COMPANY",
        "monthly": 56,
        "annual": 676,
        "am_best": "A++",
        "complaint_index": 1.41
      },
      {
        "carrier": "PROGRESSIVE COUNTY MUTUAL - DIRECT RATES",
        "monthly": 62,
        "annual": 745,
        "am_best": "A+",
        "complaint_index": 0.66
      },
      {
        "carrier": "USAA GENERAL INDEMNITY COMPANY",
        "monthly": 63,
        "annual": 759,
        "am_best": "A++",
        "complaint_index": 1.57
      },
      {
        "carrier": "GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY",
        "monthly": 64,
        "annual": 773,
        "complaint_index": 1.7
      },
      {
        "carrier": "MERCURY COUNTY MUTUAL INSURANCE COMPANY",
        "monthly": 81,
        "annual": 968,
        "am_best": "A",
        "complaint_index": 0.9
      },
      {
        "carrier": "ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY",
        "monthly": 86,
        "annual": 1033,
        "am_best": "A+",
        "complaint_index": 1.16
      },
      {
        "carrier": "INFINITY COUNTY MUTUAL INSURANCE COMPANY",
        "monthly": 90,
        "annual": 1085,
        "am_best": "A-",
        "complaint_index": 3.06
      },
      {
        "carrier": "ECONOMY FIRE & CASUALTY COMPANY",
        "monthly": 94,
        "annual": 1125,
        "am_best": "A",
        "complaint_index": 1.98
      },
      {
        "carrier": "STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY",
        "monthly": 96,
        "annual": 1153,
        "am_best": "A+",
        "complaint_index": 0.3
      },
      {
        "carrier": "MID-CENTURY INSURANCE COMPANY OF TEXAS",
        "monthly": 97,
        "annual": 1158,
        "am_best": "A",
        "complaint_index": 0.46
      },
      {
        "carrier": "FARMERS PROPERTY AND CASUALTY INSURANCE COMPANY",
        "monthly": 100,
        "annual": 1196,
        "am_best": "A",
        "complaint_index": 1.07
      },
      {
        "carrier": "AUTO CLUB COUNTY MUTUAL INSURANCE COMPANY",
        "monthly": 103,
        "annual": 1234,
        "am_best": "A+",
        "complaint_index": 1.46
      },
      {
        "carrier": "CONSUMERS COUNTY MUTUAL INSURANCE COMPANY",
        "monthly": 106,
        "annual": 1272,
        "complaint_index": 0.69
      },
      {
        "carrier": "Travelers Quantum Auto 2.0 Program",
        "monthly": 106,
        "annual": 1272,
        "complaint_index": 0.69
      },
      {
        "carrier": "ALLSTATE COUNTY MUTUAL INSURANCE COMPANY",
        "monthly": 106,
        "annual": 1273,
        "am_best": "A+",
        "complaint_index": 0.24
      },
      {
        "carrier": "AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY",
        "monthly": 108,
        "annual": 1291,
        "am_best": "A",
        "complaint_index": 1.45
      },
      {
        "carrier": "STATE FARM COUNTY MUTUAL INSURANCE COMPANY OF TEXAS",
        "monthly": 121,
        "annual": 1457,
        "am_best": "A+",
        "complaint_index": 1.02
      },
      {
        "carrier": "FOREMOST COUNTY MUTUAL INSURANCE COMPANY",
        "monthly": 134,
        "annual": 1609,
        "am_best": "A",
        "complaint_index": 0.66
      },
      {
        "carrier": "FARMERS LLOYDS INSURANCE COMPANY OF TEXAS",
        "monthly": 141,
        "annual": 1695,
        "am_best": "A",
        "complaint_index": 2.27
      },
      {
        "carrier": "Titan Insurance Services, Inc.",
        "monthly": 155,
        "annual": 1862,
        "am_best": "A",
        "complaint_index": 0.67
      },
      {
        "carrier": "AMICA MUTUAL INSURANCE COMPANY",
        "monthly": 222,
        "annual": 2666,
        "am_best": "A+",
        "complaint_index": 0.76
      },
      {
        "carrier": "DAIRYLAND COUNTY MUTUAL INSURANCE COMPANY OF TEXAS",
        "monthly": 230,
        "annual": 2765,
        "am_best": "A+",
        "complaint_index": 0.41
      },
      {
        "carrier": "Safeco General Agency (Safeco)",
        "monthly": 234,
        "annual": 2812,
        "am_best": "A",
        "complaint_index": 1.22
      },
      {
        "carrier": "AMICA PROPERTY AND CASUALTY INSURANCE COMPANY",
        "monthly": 254,
        "annual": 3051,
        "am_best": "A+",
        "complaint_index": 0
      },
      {
        "carrier": "SENTINEL INSURANCE COMPANY, LTD.",
        "monthly": 286,
        "annual": 3434,
        "am_best": "A+",
        "complaint_index": 1.94
      },
      {
        "carrier": "ENCOMPASS INDEPENDENT INSURANCE COMPANY",
        "monthly": 316,
        "annual": 3793,
        "am_best": "A+",
        "complaint_index": 18.57
      }
    ]
  },
  "average": {
    "basis": "published statewide average",
    "source": "NAIC, 2023 Auto Insurance Database Average Premium Supplement (June 2025)",
    "year": 2023,
    "state": "TX",
    "liability_avg_premium": 798,
    "collision_avg_premium": 529.05,
    "comprehensive_avg_premium": 400.01,
    "average_expenditure": 1428.94,
    "combined_avg_premium": 1726.91,
    "monthly_combined": 144,
    "note": "Statewide averages per insured vehicle for the latest published year. A person's price varies widely around them. Not a quote."
  },
  "faq": [
    {
      "q": "What is the cheapest car insurance in Garland?",
      "a": "In the Texas Department of Insurance sample rates published sample for Garland (a driver born in 1986, 2021 Toyota RAV4, standard coverage, clean record, 12,000 miles a year), the lowest premium of 29 insurers is FARMERS TEXAS COUNTY MUTUAL INSURANCE COMPANY at about $50 a month ($594 a year), and the highest is ENCOMPASS INDEPENDENT INSURANCE COMPANY at about $316 a month. These are the state's fixed-example sample rates, not quotes; a licensed agent confirms your rate."
    },
    {
      "q": "What does car insurance cost on average in Garland?",
      "a": "The published statewide average is about $144 a month, $1,726.91 a year per insured vehicle: liability $798, collision $529.05, comprehensive $400.01 a year (NAIC, 2023 Auto Insurance Database Average Premium Supplement (June 2025), 2023). A person's price varies widely around it."
    },
    {
      "q": "Why would my quote differ from these numbers?",
      "a": "A sample rate prices one fixed example the state chose. A quote prices you: your record, your car, your address, and where the law allows it your credit history. Use the samples to see who is cheap and who is expensive near you, then let a licensed agent quote you."
    },
    {
      "q": "How do I get a real quote?",
      "a": "Give the ZIP code, the vehicle year, make and model, the driver's date of birth and the coverage level on the quote form; no phone number is needed for a price. If you want licensed agents to contact you, say so: up to 4 of them, and only after you agree to the exact words."
    }
  ],
  "note": "Published sample rates and statewide averages with their sources. Not quotes; no person is priced here.",
  "price_tool": "get_quotes",
  "page": "https://texasautoquotes.com/rates/garland",
  "city": "Garland"
}