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 Average||State Average||National Average|
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
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 Violation||Average Annual Premium|
|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 Score||Average Rate|
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/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
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200, Dallas, TX 75244
American Option Insurance Agency
5412 W Plano Pkwy Ste 100, Plano, TX 75093
5999 Summerside Dr Ste 200, Dallas, TX 75252
Assured Advantage Insurance
5700 Granite Pkwy Ste 200, Plano, TX 75024
Champion Commercial Insurance
3025 Commerce St, Dallas, TX 75226
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Ste 150, Dallas, TX 75205
Harris F. Underwood III, Inc.
3114 Main Street, Dallas, TX 75226
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148, Dallas, TX 75238
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
Frederiksen & Frederiksen
12900 Preston Road, Suite 500, Dallas, TX 75230
Benefit Resource Group
6211 W. Northwest Hwy Suite 151, Dallas, TX 75225
Bibby, Brilling & Associates, LLP
5031 McKinney Ave, Dallas, TX 75205
Goosehead Insurance Agency, LLC
100 E Royal Ln Ste. 320, Irving, TX 75039
Preferred Personal Insurance Agency, LLP
1431 Greenway Dr Ste 145, Irving, TX 75038
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Ste. 600, Dallas, TX 75248
16980 Dallas Pkwy Suite 210, Dallas, TX 75248
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