Average cost of condo insurance in Garland

The average cost of condo insurance (HO-6) in Garland is $974 per year, which is $81 per month, for a coverage level of $40,000 for personal property and liability protection of $100,000 with a $1,000 deductible.

However, insurance rates vary depending on your location in the city, the company and the coverage limits. The highest average rate for condo insurance in Garland is $1,378, $847 more than the lowest average rate of $531.

Average annual cost$974
Average per month cost$81
Highest average rate$1,378
Lowest average rate$531

Cheapest condo insurance in Garland

The most affordable condo insurance company in Garland is Farmers, with an average yearly cost of $531. The second most affordable option is State Farm, with an average annual rate of $600.

These rates are only averages, so it's a good idea to compare quotes from different companies to find the best option for your needs.

CompanyAverage annual premiumAverage monthly premium
Farmers$531$44
State Farm$600$50
Allstate$836$70
Progressive$857$71
Nationwide$1,171$98
USAA$1,192$99

Condo insurance cost in Garland compared with the state average

The average cost of condo insurance in Garland is $974 per year. That is $119 more than the state average of $855.

City average cost$974
State average cost$855

Condo insurance cost in Garland by coverage level

Several factors affect your HO-6 condo insurance. One key factor is your location, and another is the amount of personal property coverage you choose. The higher your coverage limit, the higher the condo insurance cost.

For example, the average annual cost for $40,000 in personal property coverage is $974, or about $81 per month.

Condo insurance rates in Garland with $100,000 liability

The following table shows the cost of condo insurance for four coverage levels with a liability limit of $100,000 and $1,000 deductible.

CoverageAverage annual rateAverage per month rate
$40,000$974$81
$60,000$1,115$93
$80,000$1,242$103
$100,000$1,358$113

Condo insurance cost in Garland with $300,000 liability

The following table shows the cost of condo insurance for four coverage levels with a liability limit of $300,000 and $1,000 deductible.

CoverageAverage annual rateAverage per month rate
$40,000$985$82
$60,000$1,126$94
$80,000$1,253$104
$100,000$1,369$114

Methodology

Insurance.com compared condo insurance rates provided by Quadrant Information Services from 2023 for around 29,000 cities in all states and Washington D.C for multiple coverage levels. The content has been updated for 2025.