What's the Average Cost of Car Insurance in Garland?


If you are insuring a vehicle in Garland, cutting costs is vital because Texas premiums are recognized for being costly. They are generally 14% higher than the national average. Let's compare car insurance costs in Garland versus premiums across the nation.


INSURANCE PREMIUMS: GARLAND VS. US/STATE MEAN
City AverageState AverageNational Average
$2,020$1,792$1,569


Garland Car Insurance Costs by Age

The most significant reduction in premiums for Garland drivers happens when they reach their 20s. Once out of the teenage age range, they pay $4,799 less in premiums. Premiums for drivers in Garland continue to shrink through their 50s, but they can expect a change when they turn 60. Among all age groups, drivers in their 50s have the lowest rates, with rates of $1,728. However, people in their 60s ($1,801) also have relatively low premiums. With rates of $6,527 on average, teenage drivers are the ones who pay the most in car insurance premiums.


GARLAND AUTO INSURANCE RATES BY DRIVER AGE
AgeAverage Rate
Teenagers$6,527
20s$2,554
30s$1,994
40s$1,940
50s$1,728
60s$1,801
70s$2,150


Garland Auto Insurance for High-Risk Drivers


Do you have a history of accidents or violations? That may influence your prices on car insurance. Speeding 16-20mph over the speed limit can drive up your insurance prices. People with a speeding ticket on their driving record spend, on average, 5% more per year. The amount of damage caused by an accident plays a role in how much insurance rates will increase. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you an extra 18% per year in premiums.


AVERAGE GARLAND INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Annual Premium
DUI$2,797
Reckless Driving$2,859
At-fault Accident (damages less than $1,000)$2,603
At-fault Accident (damages greater than $2,000)$3,073
Speeding Ticket (16-20 mph over speed limit)$2,122


Garland Auto Insurance by Credit Score


For those with Exceptional credit (800-850), as opposed to Very Poor credit (300-579), car insurance premiums are $1,823 less a year. Drivers can save nearly 35% per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).


GARLAND AUTO INSURANCE COSTS BY CREDIT LEVEL
Credit ScoreAverage Rate
Very Poor$3,586
Fair$2,339
Good$2,020
Very Good$1,903
Exceptional$1,764


Garland Car Insurance by Marital Status and Gender


There are numerous factors, including marital status and gender, that can come into play when determining car insurance rates in Garland. In your city, marital status actually has a substantial impact on premiums. Being single can cost you approximately $200 more per year compared to being married. Rates for those who are widowed are also much cheaper than rates for those who are single. Unfortunately for men, their premiums are generally somewhat more pricey than for women.


GARLAND CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$2,010
Male$2,020
Single$2,020
Married$1,821
Divorced$2,020
Widowed$1,913


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. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

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

Find Local Garland Agents

Bibby, Brilling & Associates, LLP

5031 McKinney Ave Dallas, TX 75205

Preferred Personal Insurance Agency, LLP

1431 Greenway Dr Irving, TX 75038

Harris F. Underwood III, Inc.

3114 Main Street Dallas, TX 75226

Twfg- Burridge Family Insurace

10925 Estate Lane Suite 148 Dallas, TX 75238

Frederiksen & Frederiksen

12900 Preston Road, Suite 500 Dallas, TX 75230

Benefit Resource Group

6211 W. Northwest Hwy Dallas, TX 75225

Assured Advantage Insurance

5700 Granite Pkwy Ste 200 Plano, TX 75024

Bell Insurance

16980 Dallas Pkwy Dallas, TX 75248

CoVerica

5999 Summerside Dr Ste 200 Dallas, TX 75252

Champion Commercial Insurance

3025 Commerce St Dallas, TX 75226

Stogner & Associates Insurance

5538 South Hampton Road Dallas, TX 75232

American Option Insurance Agency

5412 W Plano Pkwy Plano, TX 75093

Goosehead Insurance Agency, LLC

100 E Royal Ln Irving, TX 75039

TexCap-Concord Insurance Services, LP

13465 Midway Rd Ste 200 Dallas, TX 75244

Davidson Stewart Morelock Independent Insurance Group

3110 Webb Ave Dallas, TX 75205

A R SCHELL & SON AGENCY - INSURANCE

1001 E 15th Street Plano, TX 75074

AmeriCap Insurance Group LLC

15770 N. Dallas Parkway 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

Just enter your zip code to get started

or
Location pin icon
Your information is secure.

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.