The average annual cost of car insurance in Garland is $1,598. It is slightly higher than the statewide average of $1,405 and the United State’s average of $1,538. However, every company provides different deals and policies. Hence, it is best to compare multiple car insurance companies in Garland to get the best rate that suits your unique driving profile.

Jump to Garland car insurance rates by:

• Insurance Company
• Age Bracket
• Driving Record
• Credit Score
• Location
• Weather Conditions

Garland Cheapest Car Insurance Rates by Companies

If you choose the most applyable car insurance company for your driver’s record, you will be able to save on your insurance policy. Going for the cheapest policy is not always an option if you reside in Garland areas that are prone to theft, crime, or potential driving hazards and if you have a past violation on your record. However, if you have a clean driving history, it is likely for you to receive cheaper quotes. USAA offers the most affordable car insurance rates, near Garland.

Garland Most Affordable Car Insurance Rates Per Company

Garland Car Insurance Rates by Age Bracket

The driver’s age is applied by insurance companies to judge their driving capabilities. Garland drivers in their fifties and sixties pay lower rates, while drivers in their seventies pay slightly higher rates. On the other hand, teenage drivers in Garland are considered high-risk drivers. Therefore, they have the highest rates, with a substantial price gap between age groups. However, they will be entitled to a significant rate decrease on their 20th birthday.

Garland Car Insurance Rates Per Age Group

Garland Car Insurance Rates by Marital Status and Gender

The driver’s marital status is applied to car insurance rates in Garland. Many married drivers in Garland pay lower rates, than single drivers. Married drivers are considered more responsible on the road and more financially stable. Additionally, widowed drivers pay lower rates than single drivers.

Male drivers in Garland, pay $5 more than female drivers. Female drivers are considered more responsible and have cleaner driving records than males.

Garland Car Insurance Cost by Marital Status and Gender

Garland Car Insurance Rates by Citation and Driving Record

Your driving record impacts your car insurance rates in Garland. If you are found guilty of driving recklessly or speeding, your insurance premium will substantially increase.

An additional $877 will be added to your yearly auto insurance quotes if you are given a reckless driving citation, while a $121 rate increase will be added to your annual rate due to speeding. Additionally, DWI/DUI violators will receive an additional $896 on their annual rates. Therefore, it is essential to maintain a clean driving history to access a cheaper car insurance rate in Garland.

Garland Car Insurance Rates by Violation Record

Garland Car Insurance Rates by Credit Level

The credit tier of Garland drivers can result in different car insurance rates. If the driver elevates their credit score from “Very Poor” (300-579) to “Exceptional” (800-850), it can result in as much as 62% savings on their car insurance premium. Therefore, if you take a small increase towards the “Fair” credit tier from the “Very Poor” tier, this will also gain you significant savings on your yearly rate. Hence, increasing one’s credit score is one way to save on your car insurance premium in Garland.

Garland Car Insurance Rates by Credit Level

Garland Car Insurance Rates by Location

Location is another contributing factor to your car insurance rate in Garland. If you live in areas considered high-risk, it is likely for your car insurance rate to increase. Certain places in Garland are prone to accidents, theft, crime, and uninsured motorists. These areas have more expensive rates, in comparison to areas considered lower-risk.

Garland Car Insurance Rates by ZIP Codes

Garland Driving and Weather Conditions

Weather conditions trigger lots of car accidents in Garland. Drivers may experience wet brakes, slick roads, low-visibility, and other driving hazards during bad weather.

Garland experiences 81 rainy days annually with occasional thunderstorms and flash floods. Hence, bad weather is one of the leading causes for car crashes in the region.

List of Car Insurance Companies in Garland

Garland Car Insurance FAQs

Is it a requirement to have insurance before changing the car title in Garland?

Since it is required in Texas to have car insurance, you must acquire insurance first before changing the title.

Can undocumented immigrants buy car insurance in Garland?

Yes. It is possible for undocumented individuals to buy car insurance in Garland, but it will be challenging. Insurance companies typically check the background of their potential clients, and for undocumented immigrants, it will be more difficult and expensive.

Is it possible to insure a salvage title car in Garland?

Yes, it can be insured but it will be expensive due to the added risks it poses for the company.

Is there a need to file a police report when filing a claim in Garland?

If you have been involved in an accident or if your vehicle was vandalized, it is best to file a police report to back your claim and undefined liability.

How do I determine or estimate the value of my compensation if I have been in an accident in Garland, and who will do it?

If you have been in an accident in Garland, typically your insurance provider will be the one to estimate the amount of your claim following the information you provided, their investigation, your policy, and the local pricing in your area or state.