What drives up car insurance rates in Garland?
Car Insurance in Garland
Garland is recognized for its costly premiums, as its mean premium is $204 higher than Texas' average. So saving while insuring a vehicle in Garland is important. Who doesn't like to save money? Check out some methods to save on car insurance in Garland.
- City Average: $2,014
- State Average: $1,810
- National Average: $1,427
Garland Car Insurance by Accident or Violation History
Do you know how much an accident or violation history can cost you in terms of car insurance premiums? $839 is the extra cost per year for drivers with a DUI in Garland, compared to the city average of $2,014. Reckless driving will bump your premiums up as well, with average rates of $2,785, which are 38% higher than the city average. No one plans on getting into an accident, but life happens, so be aware of what can happen to your rates following one. If you are found at-fault in an accident in Garland, expect your annual car insurance premiums to increase by $1,007.
- DUI: $2,853
- Reckless Driving: $2,785
- At-fault Accident (damages less than $1000): $3,021
- At-fault Accident (damages greater than $2000): $3,021
- Speeding Ticket (16-20 mph over speed limit): $2,097
Garland Car Insurance by Credit Rating
For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. Drivers will see the largest decrease in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $417 per year.
- Very Poor: $3,506
- Fair: $2,969
- Good: $2,467
- Very Good: $2,083
- Exceptional: $1,666
Garland Car Insurance by Gender and Marital Status
There are a variety of factors, including gender and marital status, that have an effect on car insurance premiums in Garland. Did you know that in your city marital status can actually change your premiums substantially? 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. Premiums for women are usually cheaper than for men, but not by much.
- Female: $2,001
- Male: $2,014
- Single: $2,014
- Married: $1,817
- Divorced: $2,014
- Widowed: $1,825
Garland Car Insurance by Age
Teenage drivers have the most expensive rates amongst all the age groups, with car insurance payments of $6,544 on average. The most significant fall in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Garland start seeing a reduction in premiums of $4,096. Premiums for drivers continue to decline through their 50s, but they can expect an increase when they hit 60. At $1,722, drivers in their 50s have the smallest car insurance premiums among any age group. However, people in their 60s ($1,800) aren’t paying significantly more.
- Teenagers: $6,544
- 20s: $2,448
- 30s: $1,984
- 40s: $1,924
- 50s: $1,722
- 60s: $1,800
- 70s: $2,242
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
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200 Dallas, TX 75244
Assured Advantage Insurance
5700 Granite Pkwy Ste 200 Plano, TX 75024
Benefit Resource Group
6211 W. Northwest Hwy Dallas, TX 75225
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Dallas, TX 75205
5999 Summerside Dr Ste 200 Dallas, TX 75252
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Dallas, TX 75248
Stogner & Associates Insurance
5538 South Hampton Road Dallas, TX 75232
A R SCHELL & SON AGENCY - INSURANCE
1001 E 15th Street Plano, TX 75074
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
Harris F. Underwood III, Inc.
3114 Main Street Dallas, TX 75226
American Option Insurance Agency
5412 W Plano Pkwy Plano, TX 75093
Bibby, Brilling & Associates, LLP
5031 McKinney Ave Dallas, TX 75205
Preferred Personal Insurance Agency, LLP
1431 Greenway Dr Irving, TX 75038
16980 Dallas Pkwy Dallas, TX 75248
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230
Goosehead Insurance Agency, LLC
100 E Royal Ln Irving, TX 75039
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Garland Car Insurance
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