How Much Are Car Insurance Rates in Garland?
If you are insuring a vehicle in Garland, being knowledgeable about premiums is especially crucial because premiums in Garland are known for being expensive. They generally surpass the state average by $204. Review our ways to save on Garland car insurance and save money.
CAR INSURANCE PRICES: GARLAND VS. US/STATE MEAN
|City Average||State Average||National Average|
Garland Car Insurance by Age Bracket
The most significant fall in premiums for Garland drivers happens when they reach their 20s. Once out of the teenage age range, drivers save an average of 63%. The first time drivers can expect their age to trigger an increase in insurance rates is when they turn 60. Teenage drivers are the ones who pay the most in car insurance premiums, with payments of $6,544 on average. When looking across all age groups, drivers in their 50s have the lowest insurance premiums. Their rates typically average $1,722/year. However, those in their 60s ($1,800) aren’t paying much more.
GARLAND CAR INSURANCE COSTS BY AGE
Garland Auto Insurance by Credit Rating
Improving your credit can save you a sizable chunk of money. Those in the bottom credit tier (300-579) normally pay more than twice as much for car insurance than those in the top credit tier (800-850). Drivers can save close to $417 per year when they improve their credit tier from Very Poor (300-579) to Fair (580-669).
GARLAND CAR INSURANCE COSTS BY CREDIT LEVEL
|Credit Quality||Average Car Insurance Rate|
Garland Auto Insurance With Accidents or Violations
Do you know the impact an accident or violation can have on your premiums? On average, a DUI in Garland will cost you 42% more in car insurance premiums versus the city average of $2,014. Reckless driving will also bump your premiums up, with average rates of $2,785. That is 38% higher than the city average. $1,007 is what you can expect to add on to your annual insurance premium in Garland if you have an at-fault accident on your driving record.
AVERAGE GARLAND INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Mean Rate|
|At-fault Accident (damages less than $1,000)||$3,021|
|At-fault Accident (damages greater than $2,000)||$3,021|
|Speeding Ticket (16-20 mph over speed limit)||$2,097|
Garland Auto Insurance by Gender and Marital Status
There are a variety of factors, including gender and marital status, that play a part in car insurance premiums in Garland. However, premiums for women are typically only a bit cheaper than for men. Believe it or not, marital status has a substantial impact on premiums. Being single, as opposed to married, can cost you $197 more per year on car insurance. Rates for those who are widowed are also strikingly cheaper than rates for those who are single.
GARLAND AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average 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. 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Garland Agents
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
5999 Summerside Dr Ste 200 Dallas, TX 75252
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Dallas, TX 75205
Stogner & Associates Insurance
5538 South Hampton Road Dallas, TX 75232
Benefit Resource Group
6211 W. Northwest Hwy Dallas, TX 75225
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200 Dallas, TX 75244
Bibby, Brilling & Associates, LLP
5031 McKinney Ave Dallas, TX 75205
Assured Advantage Insurance
5700 Granite Pkwy Ste 200 Plano, TX 75024
Goosehead Insurance Agency, LLC
100 E Royal Ln Irving, TX 75039
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
American Option Insurance Agency
5412 W Plano Pkwy Plano, TX 75093
A R SCHELL & SON AGENCY - INSURANCE
1001 E 15th Street Plano, TX 75074
16980 Dallas Pkwy Dallas, TX 75248
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Dallas, TX 75248
Preferred Personal Insurance Agency, LLP
1431 Greenway Dr Irving, TX 75038
Harris F. Underwood III, Inc.
3114 Main Street Dallas, TX 75226
The average Garland resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Garland
Click below to get free quotes in seconds!Start Saving Now!
Garland Car Insurance
Sharing is Caring: How to Share the Road with Cyclists
Feb 13, 2018
In recent years, there has been an alarming increase in cyclist fatalities in the U.S., and according to the National...
Get Smart about Sinkholes: Is Your Home Protected?
Nov 08, 2017
There are altogether too many unfortunate scenarios which might cause damage to your home and property, and your home insurance...
Can You Bring a Gun in an Uber?
Oct 19, 2017
For many people, when rideshare companies like Uber and Lyft came onto the scene it completely changed how they viewed...
Uber vs. Lyft: Which is Better for Riders and Drivers?
Oct 12, 2017
In 2015, Josh Waldrum from The Zebra did an experiment to see if it was possible to give up your car...
Criminal Background Checks for Rideshare Drivers: Do You Believe in Second Chances?
Oct 10, 2017
If you knew your Uber or Lyft driver was convicted of a crime, would you still hitch a ride? What...
Is This the End of Car Ownership?
Sep 05, 2017
For many, driving a car is a rite of passage. I remember counting down the days until I could walk...
How to Protect Yourself and Your Home Against Wildfires
Aug 21, 2017
Ever used the expression “spread like wildfire?” Fire is an incredible force of nature, and while it has its uses...
Top Insurance Tech Conferences to Attend
Aug 16, 2017
Technology is quickly changing the landscape for many industries, and insurance is no exception. Consumers have access to online resources...
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Work Zone Safety: The Rising Danger Facing Workers AND Drivers
Jul 05, 2017
We’re in the peak season for deadly crashes in road-work zones, according to the Federal Highway Administration’s Work Zone Management...
What Questions Do Insurance Agents Get Asked Most? (An Ask-iversary)
Jun 23, 2017
Howdy, folks! This week marks the one-year anniversary of The Zebra’s resource for all of your insurance questions: Ask an...
Uber vs. Ambulances: Comparing Price, Safety & Response Time
Jun 21, 2017
Imagine it’s the middle of the night, and you wake up to intense pain. You’re alone and in no condition...
8 of America’s Favorite Pit Stops: Buc-ee’s vs. Wawa and Beyond
May 25, 2017
Picture this: You’re on a road trip, making great time, when all of a sudden you feel a familiar rumble...
Zipcar vs. car2go: Which Car Sharing Service is King?
May 09, 2017
Over the past few years, car sharing has taken the world by storm. Car sharing businesses are now operating in...
3 Tech Innovations That Will (Hopefully) Reduce Traffic
Apr 04, 2017
If there’s one thing everyone can agree to hate in this world, it’s traffic. People in the United States spend...
#ZebraChat on April 4: Distracted Driving Awareness Twitter Chat
Mar 29, 2017
April is Distracted Driving Awareness Month. Here at Quoted, we’ve written about this highly dangerous behavior in great detail. Here...
Everything You Need to Know about Buying a Car from Walmart
Mar 21, 2017
Soon people all over the U.S. may be able to come home with groceries for the week, new school clothes...
Is Government Disrupting Disruption? Mark Cuban & Adam Lyons Discuss at SXSW
Mar 15, 2017
On Sunday March 12, The Zebra Founder and CEO Adam Lyons joined Mark Cuban, entrepreneur, “Shark Tank” star, Dallas Mavericks...
Sweeten Up Your Sweetheart with a Delightfully Romantic (Driving) Date
Feb 10, 2017
We know celebrating Valentine’s Day isn’t always the coolest game in town, but we argue that any day with chocolate,...
Uber’s Latest: Should Driverless Cars Require Voter Approval?
Feb 09, 2017
Driverless vehicle technology isn’t ready for the mainstream public, but it’s getting there: automakers and technology giants across the world...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
You Just Paid Off Your Car, Now What?
Nov 30, 2016
Making the last payment on a car loan is a great accomplishment and, for most of us, a welcome relief....
‘Tis the Season to Volunteer (with Your Car)
Nov 29, 2016
For those looking to keep the spirit of giving alive this holiday season, the old standbys are still excellent: gift...
When Is It Worth It to Pay for More Liability Coverage?
Nov 23, 2016
Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...
Does Car Insurance Cover You Out of State?
Nov 14, 2016
Not only do traffic laws vary by state, auto insurance rules and coverage do too. And while the general idea of...