Auto Insurance in Garland (75040)
Texas · Below Average · 42th percentile statewide
Carrier Rates in 75040
6-month premiums from SERFF rate filings. Standard driver profile.
How 75040 Compares
Garland (75040) is below average for auto insurance in Texas, ranking in the 42th percentile.
The cheapest carrier is GEICO at $388/6mo — 42% less than the most expensive (State Farm at $668).
The median premium of $446 is 12% below the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in Garland (75040)?
The median 6-month premium in Garland (75040) is $446 across 5 carriers. Premiums range from $388 to $668, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 75040?
GEICO offers the lowest rate in 75040 at $388/6mo. That's 42% less than the most expensive option (State Farm at $668/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance below average in 75040?
Auto insurance rates in Garland (75040) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Garland ranks in the 42th percentile statewide, meaning it's below average compared to other Texas ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Texas
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Access ZIP-level rate data across all 5 carriers, 504 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.