Garland, TX
Garland, TX car and homeowners insurance
Commute, vehicle, and housing data for Garland, plus what it means for your auto and homeowners quotes. A quote is not a binder.
In Garland (250,431 people), 73% of workers commute by driving alone, compared with 71% across Texas. Homeownership runs at 62%.
Garland driving profile
| Measure | Garland | Texas |
|---|---|---|
| Drive alone to work | 73% | 71% |
| Carpool | 12% | 10% |
| Work from home | 12% | 14% |
| Commute of 45 minutes or more | 20% | 17% |
| Commute under 15 minutes | 14% | 25% |
| Households with no vehicle | 4% | 5% |
| Households with 3 or more vehicles | 26% | 22% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Long commutes are longer in Garland than statewide: 20% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Only 12% of Garland workers mostly work from home, below the Texas share of 14%. Daily commuting tends to raise mileage, so compare quotes with realistic annual miles.
26% of Garland households keep three or more vehicles, and 4% have none. Multi-car households can usually save by insuring every vehicle on one policy.
The Garland homeowners picture
Homes in Garland carry a median value of $270,800 and a median construction year of 1978. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show Texas HO-3 policyholders with $250,000–$274,999 of dwelling coverage paying an average of $2,306; the all-amounts state average was $2,864.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Texas auto minimums that apply in Garland
The state minimum is 30/60/25. Additional requirement: none beyond liability (PIP and UM must be rejected in writing). See our state minimums guide for how these compare across our ten states.
Should Garland homeowners bundle?
With 62% of households owning their home, bundling is an option for most Garland families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
What can go wrong in Garland
Plan for flash flooding, along with large hail. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
Garland compared with nearby cities
Dallas: 67% drive alone, 14% commute 45+ minutes, median home $320,700. Irving shows 20% working from home and a median home value of $315,600. Grand Prairie: 73% drive alone, 17% commute 45+ minutes, median home $295,500. For share of 45-minute-plus commutes, Garland is 2nd of 30 Texas cities on this site.
Gathering details for a Garland auto and home quote
- Everyone in the household who drives
- Your Garland address, square footage, and year built
- Accidents, tickets, and claims from the last five years
- Liability limits you want
- When the roof was replaced
- Current declarations pages for auto and home
Garland auto and home insurance FAQ
What auto insurance is required in Garland?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
Do Garland drivers have long commutes?
About 20% of Garland workers commute 45 minutes or more and 14% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Garland?
There is no single price. As context, Texas HO-3 policies averaged $2,864 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research