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

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

Major Highways
I-30 I-635 SH 78
Public Transit
DART Rail DART Bus
Toll Roads
President George Bush Turnpike

Car Insurance Companies in Garland

Find Local Garland Agents

Twfg- Burridge Family Insurace

10925 Estate Lane Suite 148 Dallas, TX 75238

Assured Advantage Insurance

5700 Granite Pkwy Ste 200 Plano, TX 75024

Champion Commercial Insurance

3025 Commerce St Dallas, TX 75226

A R SCHELL & SON AGENCY - INSURANCE

1001 E 15th Street Plano, TX 75074

Harris F. Underwood III, Inc.

3114 Main Street Dallas, TX 75226

CoVerica

5999 Summerside Dr Ste 200 Dallas, TX 75252

Benefit Resource Group

6211 W. Northwest Hwy Dallas, TX 75225

Preferred Personal Insurance Agency, LLP

1431 Greenway Dr Irving, TX 75038

Bell Insurance

16980 Dallas Pkwy Dallas, TX 75248

Frederiksen & Frederiksen

12900 Preston Road, Suite 500 Dallas, TX 75230

Bibby, Brilling & Associates, LLP

5031 McKinney Ave Dallas, TX 75205

Stogner & Associates Insurance

5538 South Hampton Road Dallas, TX 75232

AmeriCap Insurance Group LLC

15770 N. Dallas Parkway Dallas, TX 75248

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

American Option Insurance Agency

5412 W Plano Pkwy Plano, TX 75093

Goosehead Insurance Agency, LLC

100 E Royal Ln Irving, TX 75039

See All

Not sure about Garland

Check out these other Texas cities...

Houston

San Antonio

Dallas

Austin

Fort Worth

El Paso

Arlington

Corpus Christi

Plano

Laredo

Lubbock

Irving

$1,624

The average Garland resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

260

That's equal to 260 cups of coffee or $650 in savings

See How Much You Can Save in Garland

Click below to get free quotes in seconds!

Start Saving Now!
Additional Resources:

Garland Car Insurance

Sharing is Caring: How to Share the Road with Cyclists
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?
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?
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?
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?
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?
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
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
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
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
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)
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
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
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?
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
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
#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
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
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
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?
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
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?
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)
‘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?
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?
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...