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How much is car insurance in Garland?
|Area||Average Monthly Car Insurance Premium|
Auto insurance policies in Garland are about $6 a month more expensive than the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Garland. It's about $10 cheaper than the national average to insure your vehicle in Garland.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model,driving record, and in some cases, credit score.
Don't sweat it however, we've broken down the average rate for Garland residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may begin to go back up in Garland.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Garland, however, the difference in monthly rates for auto insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Garland, a driving record with a single accident will usually get you a rate around $81 a month. In addition, drivers with a single ticket on their record can expect to pay around $91 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$68|
The cheapest vehicles to insure in Garland are typically SUVs, with each type typically costing about $66 per month.
Car owners can expect to pay an average of around $72 a month for their policy, while truck and van drivers are usually around $67 to insure each month.
The age of your vehicle also plays a role in your monthly payment. Overall, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Garland, for example, are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Garland, with married couples paying about $18 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$111|
Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $10 a month more than those who own their own home in Garland. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Garland, TX
Recent trends in car insurance for Garland drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of car insurance in Garland dropped from 2016-2017, when it hit a low of $67, but started to rise from 2018-2019. It finished up in 2021, at $81.
How does Garland compare to neighboring areas?
Why are car insurance rates in Garland different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around your home address. These factors include things like:
- Total amount of drivers in the community
- Local crime rates
- Area regulations
- Off-street parking accessibility
- Rate of car accidents
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Garland?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just put in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer coverage in Garland.
Garland Insurance FAQs
What factors affect car insurance quotes in Garland?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Garland different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Garland?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Garland?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Garland or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.