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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 Average||National Average|
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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 Company||Average Annual Rate|
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 tier||Average Annual Rate|
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 Status||Average Annual Rate|
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
|Citation||Average Annual Rate|
|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|
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 Level||Average Yearly Rate|
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Garland
Find Local Garland Agents
American Option Insurance Agency
5412 W Plano Pkwy Ste 100, Plano, TX 75093
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Ste. 600, Dallas, TX 75248
Harris F. Underwood III, Inc.
3114 Main Street, Dallas, TX 75226
16980 Dallas Pkwy Suite 210, Dallas, TX 75248
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Ste 150, Dallas, TX 75205
Bibby, Brilling & Associates, LLP
5031 McKinney Ave, Dallas, TX 75205
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200, Dallas, TX 75244
Frederiksen & Frederiksen
12900 Preston Road, Suite 500, Dallas, TX 75230
A R SCHELL & SON AGENCY - INSURANCE
1001 E 15th Street Suite 100, Plano, TX 75074
Stogner & Associates Insurance
5538 South Hampton Road, Dallas, TX 75232
Goosehead Insurance Agency, LLC
100 E Royal Ln Ste. 320, Irving, TX 75039
Assured Advantage Insurance
5700 Granite Pkwy Ste 200, Plano, TX 75024
Champion Commercial Insurance
3025 Commerce St, Dallas, TX 75226
Preferred Personal Insurance Agency, LLP
1431 Greenway Dr Ste 145, Irving, TX 75038
5999 Summerside Dr Ste 200, Dallas, TX 75252
Benefit Resource Group
6211 W. Northwest Hwy Suite 151, Dallas, TX 75225
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148, Dallas, TX 75238
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.