Garland, TX Car Insurance

On average, Garland drivers pay around $71 a month for their car insurance. To find out more check out our guide below.
Are rates in Garland higher or lower than those in neighboring areas? How do they compare to the rest of Texas? How much can residents of Garland expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Garland?

Area Average Monthly Car Insurance Premium
Garland$71
TX$65
United States$81

As you can see in the chart above, it is around $6 a month more expensive to insure your vehicle in Garland than it is in the rest of Texas.

However, the expected monthly payments for an auto insurance policy in Garland are below the national average. The average monthly payment in Garland is about $10 cheaper than the rate for the rest of the United States.

Bear in mind that while these rates represent the expected monthly payments for drivers in Garland, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

But don't worry, 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 your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$211
18-24$115
25-34$71
35-44$61
45-54Not Enough Data
55-64$53
65+$57

Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $58 more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may rise again in Garland.

Average Car Insurance Rates by Gender

Gender Average
Male$73
Female$69

Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Garland is around $4 per month. As you can see in the table above, female drivers in the area typically pay $69 on average, while female drivers typically pay $73 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$84
Multiple Accidents$98
1 Ticket$86
Multiple Tickets$116

Rates can change drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Garland with one accident will pay around $84 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $86.

Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$67
2-3 Years$69
4-5 Years$74
6-7 Years$78
8-10 Years$73
11-14 Years$72
15 Years or Older$69

In terms of affordable coverage, the cheapest vehicles to insure in Garland are typically SUVs, at $67 per month.

Truck and van drivers will see rates of about $69, while the rates for car owners average out to about $73 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Garland, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$78
Married$60
Divorced$59
Widowed$60

Overall, those who have settled down into marriage will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

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
Own$62
Rent$71
Live with parents$110

Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Garland. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Garland, TX

Recent trends in car insurance for Garland drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.

The rates for car insurance in Garland rose from 2017-2019, before steadying out in 2020. Insurance rates increased again recently, hitting a high of $87 in 2022.

How does Garland compare to neighboring areas?

Why are car insurance rates in Garland different from other areas?

Car insurance companies will take into account numerous factors when choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

  • Local regulations
  • Amount of off-street parking
  • Road Safety (how many accidents each locality has)
  • Amount of drivers in the region
  • Regional crime rates

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Garland?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Good news! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing plans in Garland.

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Garland Insurance FAQs

What factors affect car insurance quotes in Garland?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Garland different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Garland?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use 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 getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Garland or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes