What is the average cost of car insurance in Garland?


The average cost of car insurance in Garland, Texas, is $1,606 each year. That's more than the statewide average in Texas ($1,415) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Garland.


AUTO INSURANCE COSTS: GARLAND VS. STATE AND US AVERAGES
Garland Average (annual)Texas AverageNational Average
$1,606$1,415$1,548

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Garland auto insurance rates by company


The difference in auto insurance rates from company to company can be substantial. In Garland, USAA provides the most affordable rates for the typical insurance customer. Reference below the top options for affordable insurance in Garland. Don't forget to get car insurance quotes based on your unique driving profile.


GARLAND CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Annual Rate
USAA$1,336
GEICO$1,404
State Farm$1,528
Allstate$2,635

Check out our guide to learn how to find the best cheap car insurance.



Garland auto insurance premiums by age

The age group that pays the least for car insurance in Garland are drivers in their 50s ($1,399per year). Those in their 60s don't pay much more ($1,448).

Young drivers aged 16 to 19 pay the most for car insurance in Garland. One of the easiest ways to lower your car insurance rates as a driver in Garland is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Garland is $2,035, the largest such difference between any two age groups.


GARLAND CAR INSURANCE PREMIUMS BY DRIVER AGE
Age tierAverage Annual Rate
Teenagers$4,126
20s$2,091
30s$1,582
40s$1,542
50s$1,399
60s$1,448
70s$1,784

Learn more about the impact of age on car insurance premiums.



Garland auto insurance rates by marital status and gender


Marital status and gender are contributing factors to car insurance rates in many cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Garland pay $101 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Garland, widowed drivers pay less than those who are single.

Another component of auto insurance pricing is gender. The typical male driver in Garland pays $6 more each year for car insurance than does his female counterpart.


GARLAND AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,600
Male$1,606
Single$1,505
Married$1,505
Divorced$1,606
Widowed$1,467

Learn more about how gender and marital status have on car insurance rates.



Garland car insurance costs by accident and violation history


If you want to keep your car insurance costs reasonable, keep your driving record clean. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Garland drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $887 per year versus the city average. A ticket for speeding results in a $137 rate hike, on average, while a DUI violation costs $908per year in insurance premiums.


GARLAND CAR INSURANCE RATES AFTER A COLLISION OR CITATION
CitationAverage Annual Rate
DUI/DWI$2,514
Reckless Driving$2,494
At-fault Accident (damages less than $1,000)$2,046
At-fault Accident (damages greater than $2,000)$2,441
Speeding Ticket (16-20 mph over speed limit)$1,744

Learn more about how citations can raise your auto insurance rates.



Garland car insurance rates by credit score


Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In Garland, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 61% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Garland, improving your credit to "Fair" corresponds with a $1,403 decrease in annual car insurance rates.


GARLAND CAR INSURANCE RATES BY CREDIT TIER
Credit LevelAverage Yearly Rate
Very Poor$3,405
Fair$2,002
Good$1,606
Very Good$1,490
Exceptional$1,318

Learn more about the relationship between poor credit and car insurance.



What drives up car insurance rates in Garland?

Where you live in Garland affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Garland is no exception to the rule. From ZIP code 75044 to 75042, premiums rise by 8 percent—that’s $130.

Expensive Garland ZIP codes: 75043, 75041, 75042

Cheap Garland ZIP codes: 75044, 75040, 75043

Garland Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, & decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Garland, you can expect 73 rainy days with an annual rainfall of 38 inches. Garland is also known to experience thunderstorms and flash floods.

73

Rainy Days a Year

38"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Garland

2
Major Highways
I-30 I-635 SH 78
2
Public Transit
DART Rail DART Bus
2
Toll Roads
President George Bush Turnpike

Car Insurance Companies in Garland

21st Century AAA AFI Access Affirmative Aggressive Insurance Allstate AmWINS Heritage AmWINS Star Amica Mutual Insurance Apparent AssuranceAmerica Bristol West CAIC Cal Casualty Clearcover Commonwealth Casualty Dairyland Direct Auto Elephant Empower Encompass Esurance FIMC Falcon Farmers Foremost GAINSCO GEICO Germania Mutual Hallmark Hippo Infinity Jupiter Auto Kemper Auto Kemper Preferred Lamar General Agency Liberty Mutual Mendota Mercury MetLife Multi-State National General Nationwide Progressive Pronto Pronto Flex Safe Auto Safeco Safeway Insurance Company State Auto State Farm Stillwater Texas Farm Bureau The General The Hartford Titan Travelers UPC USAA Unitrin Windhaven

Find Local Garland Agents

Frederiksen & Frederiksen

12900 Preston Road, Suite 500, Dallas, TX 75230

Stogner & Associates Insurance

5538 South Hampton Road, Dallas, TX 75232

American Option Insurance Agency

5412 W Plano Pkwy Ste 100, Plano, TX 75093

Champion Commercial Insurance

3025 Commerce St, Dallas, TX 75226

CoVerica

5999 Summerside Dr Ste 200, Dallas, TX 75252

Harris F. Underwood III, Inc.

3114 Main Street, Dallas, TX 75226

Assured Advantage Insurance

5700 Granite Pkwy Ste 200, Plano, TX 75024

Goosehead Insurance Agency, LLC

100 E Royal Ln Ste. 320, Irving, TX 75039

Davidson Stewart Morelock Independent Insurance Group

3110 Webb Ave Ste 150, Dallas, TX 75205

TexCap-Concord Insurance Services, LP

13465 Midway Rd Ste 200, Dallas, TX 75244

Benefit Resource Group

6211 W. Northwest Hwy Suite 151, Dallas, TX 75225

Bibby, Brilling & Associates, LLP

5031 McKinney Ave, Dallas, TX 75205

Preferred Personal Insurance Agency, LLP

1431 Greenway Dr Ste 145, Irving, TX 75038

Twfg- Burridge Family Insurace

10925 Estate Lane Suite 148, Dallas, TX 75238

A R SCHELL & SON AGENCY - INSURANCE

1001 E 15th Street Suite 100, Plano, TX 75074

Bell Insurance

16980 Dallas Pkwy Suite 210, Dallas, TX 75248

AmeriCap Insurance Group LLC

15770 N. Dallas Parkway Ste. 600, Dallas, TX 75248

2

$1,624

The average Garland resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

260

That's equal to 260 cups of coffee or $650 in savings

See How Much You Can Save in Garland

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Recent Questions:

Garland Car Insurance

Will my insurance policy cover me while I drive in a different state?

Whether you work in a different state than where you reside or are leaving the state on vacation, your insurance policy will follow you. Each state requires differing amounts of coverage so your current policy will adjust if you happen to be driving in a state that requires more coverage than the state where your vehicle is insured.