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
5999 Summerside Dr Ste 200 Dallas, TX 75252
Stogner & Associates Insurance
5538 South Hampton Road Dallas, TX 75232
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200 Dallas, TX 75244
Preferred Personal Insurance Agency, LLP
1431 Greenway Dr Irving, TX 75038
Harris F. Underwood III, Inc.
3114 Main Street Dallas, TX 75226
Bibby, Brilling & Associates, LLP
5031 McKinney Ave Dallas, TX 75205
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
Goosehead Insurance Agency, LLC
100 E Royal Ln Irving, TX 75039
Benefit Resource Group
6211 W. Northwest Hwy Dallas, TX 75225
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Dallas, TX 75248
16980 Dallas Pkwy Dallas, TX 75248
A R SCHELL & SON AGENCY - INSURANCE
1001 E 15th Street Plano, TX 75074
American Option Insurance Agency
5412 W Plano Pkwy Plano, TX 75093
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Dallas, TX 75205
Assured Advantage Insurance
5700 Granite Pkwy Ste 200 Plano, TX 75024
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
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Garland Car Insurance
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