Garrison Property and Casualty Insurance Company Review [2023]
Garrison Property and Casualty Insurance Company sells several types of insurance. The company offers competitive rates, but coverage is only available in California.
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UPDATED: Dec 20, 2022
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The Bottom Line
If you’re shopping for insurance products in California, you may want to consider Garrison Property and Casualty Insurance Company. With Garrison, you can buy auto, home, business, life insurance, and many other insurance products.
It’s impossible to know how much you’ll pay for insurance with Garrison. Still, you can call the Garrison Insurance claims phone number for more information and to learn about your insurance options.
Before you choose Garrison or any other company for your insurance needs, you should find and compare rates from multiple companies in your area. Doing so will help you ensure you do not overpay for coverage.
You won’t find much if you look online for Garrison Property and Casualty insurance reviews. The company has maintained obscurity in most cases. However, because Garrison is affiliated with USAA, the company benefits from USAA’s ratings and reviews.
A.M. Best, S&P, and Moody’s are financial strength and credit rating agencies. Garrison Property and Casualty share USAA’s ratings. Each rating listed in our research shows that USAA carries a stable financial outlook and has low credit risk. It has proven in many instances that it is a stable and sound company with a good outlook regarding future investments and endeavors.
USAA has an A++ (superior) rating with A.M. Best, suggesting the company is financially stable.
It has similar ratings with S&P — AA+, and it has an Aaa with Moody’s as well.
According to the National Association of Insurance Commissioners (NAIC), USAA’s complaint index ratio is average. This means USAA has its fair share of complaints, but no more than the average company of its size.
While Garrison Property and Casualty Insurance Company has its own name, its association with USAA means the company can benefit from some of USAA’s positive and strong insurance ratings.
Is Garrison Property and Casualty Insurance Company a Good Choice?
Garrison Insurance may be a great fit if you’re on the hunt for property and casualty insurance. Garrison Property and Casualty Insurance Company offers several different insurance products, and the company may have more competitive rates than other companies in your area, depending on what you’re looking for.
Garrison Insurance offers auto, home, life, business, and motorcycle insurance — along with other insurance products — with competitive rates. Unfortunately, Garrison products are only available in California.
Keep Garrison Property and Casualty Insurance in mind as you search for the insurance you need, especially if you live in Chula Vista or San Diego. You may find the company offers just what you need in terms of insurance coverage.
It’s important for anyone looking for insurance to shop online and compare quotes from multiple providers before making any official coverage decisions. When you compare quotes online, you can determine which company offers the coverage you’re looking for at a rate that works with your budget.
Depending on where you live, you may find that several companies offer insurance coverage in your area. You need to take time to find the best option and ensure you get all the details before making any final decisions.
Garrison Property & Casualty Insurance Company could be exactly what you’re looking for in terms of an insurance company. If that’s the case, you can learn more about the company to determine which products might work best.
Garrison Property and Casualty Insurance Company Rates
Garrison does not offer specific rate information online. However, since the company is a subsidiary of USAA, we can assume pricing may be similar to what USAA offers.
Garrison Auto Insurance for Teen Drivers
When it comes to teen drivers, USAA charges around $3,055 annually, or $255 each month, for coverage. The national average for auto insurance for teen drivers is $4,962 annually or $414 per month.
How much is auto insurance for a 16-year-old? Auto Insurance Company Rates Comparison
| Company | 16-Year-Old Male | 16-Year-Old Female |
|---|---|---|
| Safeco | $1,364.10 | $1,161.50 |
| USAA | $1,660.64 | $1,414.01 |
| Farmers | $2,664.75 | $1,932 |
| Geico | $2,881.30 | $2,453.37 |
| Travelers | $3,046.81 | $2,594.30 |
| Liberty Mutual | $3,180.60 | $2,708.22 |
| Nationwide | $3,016 | $2,036 |
| Progressive | $2,640 | $1,989 |
| State Farm | $3,782 | $3,022 |
| Allstate | $3,185 | $2,357 |
USAA’s auto insurance rates are lower than average, and there’s potential for Garrison to charge the same low rates on car insurance for a 16-year-old.
Garrison Auto Insurance for Young Adult Drivers
Young adult drivers pay roughly $1,189 annually or $99 each month for auto insurance with USAA. Comparatively, the national average for the same coverage is around $1,734 annually or $145 per month.
Young adults pay around 40% less for coverage with USAA than with many other companies.
Garrison Auto Insurance for Adult Drivers
People over 25 pay around $922 annually for auto insurance with USAA. This breaks down to about $77 each month for coverage.
| Companies | 25-Year-Old Female | 25-Year-Old Male | 17-Year-Old Female | 17-Year-Old Male |
|---|---|---|---|---|
| Allstate | $219.51 | $220.97 | $678.65 | $733.87 |
| Farmers | $172.13 | $179.75 | $810.38 | $773.12 |
| Geico | $108.35 | $111.96 | $259.76 | $385.52 |
| Liberty Mutual | $279.38 | $296.29 | $544.95 | $882.56 |
| Nationwide | $170.12 | $216.52 | $304.87 | $452.46 |
| Progressive | $192.71 | $187.71 | $527.40 | $587.72 |
| State Farm | $181.32 | $192.87 | $497.40 | $641.39 |
| Travelers | $247.44 | $255.98 | $558.84 | $664.92 |
| USAA | $162.66 | $179.06 | $520.49 | $617.89 |
The national average for coverage for adult drivers is $1,476 annually or $123 each month. USAA’s rates are around 45% lower than the national average.
Garrison Auto Insurance for Senior Drivers
With many companies, senior drivers pay higher rates for coverage. But with USAA, senior drivers have rates that are lower on average than adult driver rates.
With USAA, senior drivers pay around $853 annually or $71 monthly for coverage. The national average for this demographic is $1,332 annually or $111 per month.
Garrison Auto Insurance for Speeding Tickets
If you have a speeding ticket on your driving record, it is likely to increase your monthly or annual rates for auto insurance coverage.
| Company | Average Rates with Clean Record | Average Rates with 1 Speeding Violation |
|---|---|---|
| Allstate | $318.33 | $373.63 |
| American Family | $224.47 | $252.15 |
| Farmers | $288.38 | $339.92 |
| Geico | $178.83 | $220.45 |
| Liberty Mutual | $397.86 | $475.11 |
| Nationwide | $228.85 | $259.47 |
| Progressive | $282.76 | $333.52 |
| State Farm | $235.10 | $265.50 |
| Travelers | $287.31 | $355.07 |
| USAA | $161.14 | $182.77 |
USAA charges $1,203 annually or $100 each month for coverage. The national average for car insurance after a speeding ticket is around $1,911 annually or $159 each month. USAA beats most companies by around $700 in terms of cheap rates after a speeding ticket.
Garrison Auto Insurance for At-Fault Accidents
If you have an at-fault accident on your record, you can expect higher-than-average car insurance rates to follow. You may even need auto insurance for high-risk drivers.
| Company | Average Rates with Clean Record | Average Rates with 1 Accident |
|---|---|---|
| Allstate | $318.33 | $415.64 |
| American Family | $224.47 | $310.23 |
| Farmers | $288.38 | $376.56 |
| Geico | $178.83 | $266.06 |
| Liberty Mutual | $397.86 | $517.07 |
| Nationwide | $228.85 | $283.08 |
| Progressive | $282.76 | $398.09 |
| State Farm | $235.10 | $283 |
| Travelers | $287.31 | $357.48 |
| USAA | $161.14 | $209.69 |
USAA charges $1,404 annually or $117 per month for coverage. The national average for coverage after an accident is $2,180 annually, or $182 each month. If you can get cheap rates, like those offered by USAA, you could save a great deal of money. USAA charges $800 less per year than the national average.
Garrison Auto Insurance for DUI Convictions
If you have a DUI on your record, car insurance rates may be the last thing on your mind. You could face extreme fines, a license suspension, and even jail time. But anyone with a DUI on their driving record can expect their insurance rates to increase significantly.
| Company | Average Monthly Rates with Clean Record | Average Monthly Rates with 1 DUI |
|---|---|---|
| Allstate | $318.33 | $521.73 |
| American Family | $224.47 | $360.85 |
| Farmers | $288.38 | $393.23 |
| Geico | $178.83 | $406.32 |
| Liberty Mutual | $397.86 | $634.46 |
| Nationwide | $228.85 | $378.60 |
| Progressive | $282.76 | $330.80 |
| State Farm | $235.10 | $303.07 |
| Travelers | $287.31 | $478.45 |
| USAA | $161.14 | $292.17 |
With USAA, you will pay $1,905 annually or $159 monthly for car insurance with a DUI on your record. The national average for car insurance following a DUI is $2,601 annually or $217 each month. How long a DUI stays on your record will depend on the state you live in, but you can expect to pay higher rates for ten years in California.
Garrison Auto Insurance for Bad Credit
Believe it or not, your credit score can impact your car insurance rates. Many companies charge more when people have poor credit because there’s a likelihood they will make more claims on their car insurance coverage.
| Company | Good Credit Rating | Fair Credit Rating | Poor Credit Rating |
|---|---|---|---|
| Allstate | $3,859.66 | $4,581.16 | $6,490.65 |
| American Family | $2,691.74 | $3,169.53 | $4,467.98 |
| Farmers | $3,677.12 | $3,899.41 | $4,864.14 |
| Geico | $2,434.82 | $2,986.79 | $4,259.50 |
| Liberty Mutual | $4,388.18 | $5,604.24 | $8,802.22 |
| Nationwide | $2,925.94 | $3,254.83 | $4,083.29 |
| Progressive | $3,628.85 | $3,956.31 | $4,737.64 |
| State Farm | $2,174.26 | $2,853.00 | $4,951.20 |
| Travelers | $4,058.97 | $4,344.10 | $5,160.22 |
| USAA | $1,821.20 | $2,219.83 | $3,690.73 |
USAA offers rates for car insurance around $1,869 annually or $156 each month if you have poor credit. The national average for this demographic is $2,757 annually, or $230 each month. USAA’s rates are high compared to the company’s rates for other demographics. Still, USAA offers rates around $900 less than the national average.
Garrison Auto Insurance for Minimum Coverage
If you purchase a minimum coverage policy with USAA, you will pay the least amount for coverage. USAA, along with other auto insurance providers, charges cheaper rates for a minimum coverage policy.
| Companies | Monthly Liability-Only Coverage Auto Insurance Rates | Monthly Full Coverage Auto Insurance Rates |
|---|---|---|
| Allstate | $162 | $318 |
| American Family | $114 | $224 |
| Farmers | $147 | $288 |
| Geico | $91 | $179 |
| Liberty Mutual | $203 | $398 |
| Nationwide | $117 | $229 |
| Progressive | $144 | $283 |
| State Farm | $120 | $235 |
| Travelers | $147 | $287 |
| USAA | $82 | $161 |
| National Average | $133 | $260 |
A minimum coverage policy with USAA is around $948 annually or $79 per month. The national average for a minimum coverage car insurance policy is $1,463 annually, or $122 each month.
Garrison Auto Insurance for Full Coverage
Full coverage includes both collision and comprehensive coverage and provides added protection when you’re behind the wheel. You will pay more for car insurance if you purchase a full coverage policy.
With USAA, a full coverage policy costs around $1,056 annually, or $88 each month. The national average for a full coverage policy costs $1,622 annually or $135 per month.
Garrison Car Insurance vs. USAA Car Insurance
Unfortunately, there’s no way to know whether Garrison Property and Casualty Insurance Company offers the same rates as USAA. All rates listed above are an average based on USAA’s statistics throughout the U.S.
California can be an expensive place to live, and auto insurance in California is no different. As a California resident, you may find that Garrison’s auto insurance rates are more expensive than what’s listed above. Still, you should compare quotes from multiple companies to better understand what a typical auto insurance policy costs in your area.
If you are interested in an auto insurance policy with Garrison, you can contact the company to learn more about its products and services. You may find that Garrison Insurance offers competitive rates in your area, but you’ll have to compare Garrison’s quotes with quotes from other top companies to know for sure.
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Garrison Property and Casualty Insurance Company Discounts Available
Garrison Insurance does not state online whether it offers discounts on car insurance coverage. Its parent company, USAA, offers several discount options, including
- Multi-policy discount
- Military on-base discount
- Good student discount
- Clean driving record discount
- Safe driver discount
- Defensive driver training discount
- Basic driver training course discount
- SafePilot discount
- Bundling discount
- Newer vehicle discount
- Anti-theft devices discount
- Deployment/storing discount
- Driving less discount
- Loyal member discount
- Multi-vehicle discount
- Family discount
- Automatic payments discount
Discounts can save you up to 25% on car insurance coverage. If you’re interested in Garrison and believe you may qualify for a discount, you can call the company and speak with a representative to learn more about your options.
Garrison Property and Casualty Insurance Company Coverage Options
Garrison Property and Casualty offers several insurance products throughout California. Some of the most popular products Garrison Insurance offers include:
- Auto insurance
- Home insurance
- Boat insurance
- Life insurance
- Business insurance
- Motorcycle insurance
If you live in California and are looking for additional insurance options, you may want to contact Garrison Insurance. The company states on its website that it offers more than just the products listed above, though it is not specific.
What types of coverage does Garrison offer for auto insurance?
While Garrison Property and Casualty is not Garrison Auto Insurance Company, it is still well known for its car insurance coverage options. If you choose auto insurance coverage with Garrison, you’ll likely be able to choose from the following coverages
- Liability coverage. Liability offers coverage to others if you’re at fault in an accident. With liability coverage, your insurance will pay for repairs to other people’s vehicles as well as hospital and doctor visits if individuals were injured in an accident you caused.
- Uninsured/underinsured motorist coverage. Uninsured or underinsured motorist coverage will pay for repairs to your vehicle and medical bills incurred after an accident if someone else caused it and did not carry the proper insurance.
- Collision coverage. Collision insurance covers your vehicle if you were in an accident and your car was damaged. Collision works regardless of fault, so you will be covered even if you caused the accident.
- Comprehensive coverage. Comprehensive coverage helps if your vehicle was damaged by something other than an accident. Damage from inclement weather, wild animals, and vandalism are covered by comprehensive insurance.
In addition to the coverages listed above, Garrison Property and Casualty Insurance may offer the following optional coverage options.
- GAP insurance. With GAP insurance, your insurance provider will pay the difference between what you owe on your vehicle and what it is worth based on its actual cash value. GAP coverage is most helpful for new vehicles that are less than two years old.
- Rental car reimbursement. You may have to rent a vehicle when your car is damaged and in the shop for repairs. If this is the case, rental car reimbursement will pay you back if you had to spend money out of pocket on a rental car.
- Roadside assistance coverage. Roadside assistance coverage helps if you are stranded and in need of assistance. Most roadside assistance plans cover lockout services, flat tire repair, fuel delivery, and towing.
If you have an older car, you may want to purchase less coverage on your vehicle. You only have to carry 15/30/5 in minimum liability drive legally in California, which can save you hundreds per year on car insurance.
Still, it’s a good idea to consider buying additional coverage on your vehicle if you can afford it. Liability insurance only offers coverage to others if you are at fault in an accident. Liability will not help pay for repairs to your vehicle.
A full coverage policy, which includes both collision and comprehensive coverage, could be a great option for added protection. You can call Garrison Property and Casualty Insurance Company to learn more about your options.
Frequently Asked Questions
Is Garrison Property and Casualty Insurance Company the same as USAA?
Garrison and USAA are separate companies, but USAA bought Garrison Property and Casualty Insurance Company in 2008. Garrison is now a subsidiary of the company, operating in several areas of California.
Why does my USAA insurance say Garrison Insurance?
All Garrison Property and Casualty Insurance products are associated with USAA. If you live in a specific area, you may find that your USAA bill holds the Garrison Insurance title. This simply means the Garrison subsidiary is your area’s USAA subsidiary.
Where can I buy insurance with Garrison?
Unfortunately, Garrison Property and Casualty Insurance is only available in California. If you live in California, Garrison Insurance offers coverage throughout the state. If you do not live in California but are affiliated with the military, you may be able to purchase a policy with USAA.
Individuals with no military affiliation will not be able to get a policy with USAA. Instead, you will need to search online for auto insurance quotes in your area to discover which companies offer the coverage you want at a price that works for you.
Remember to find and compare car insurance quotes from multiple companies in your area to avoid paying too much for coverage.
Is Garrison Property and Casualty Insurance Company good?
There’s not a lot of information about Garrison online, so it’s difficult to find customer reviews of the company. However, Garrison’s affiliation with USAA could help potential customers feel more comfortable with the company.
USAA has positive ratings and reviews, and the company’s financial strength is very good. USAA has an A++ (superior) rating with A.M. Best, suggesting the company is financially stable.
It has similar ratings with S&P — AA+, and it has an Aaa with Moody’s as well.
According to the National Association of Insurance Commissioners (NAIC), USAA’s complaint index ratio is average. This means USAA has its fair share of complaints, but no more than the average company of its size.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Daniel Walker |
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Reviewed by
Daniel Walker
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