Garland, TX Car Insurance

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
$1,606	$1,415	$1,548

Jump to:

• Provider
• Age group
• Gender
• Driving record
• Credit score

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
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 tier	Average 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 Status	Average 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

Citation	Average 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 Level	Average 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