Is Garage Insulation Worth It?
It depends on which surface you mean. The ceiling under a bonus room and the wall shared with the house are part of your home's shell, and insulating them does what insulating any outside wall or floor does. The U.S. Department of Energy's insulation fact sheet says the bigger gains are in parts of a house that were never insulated at all, and it gives an uninsulated floor over a garage as an example.
The outer walls, the attic and the door of a garage you don't heat are a different question. They border space nobody is paying to heat or cool, so there's little energy for them to save. That work is for comfort in the garage itself: a workshop you heat, a home gym, a space you plan to finish. If that's not your garage, we leave those lines off the estimate. We don't upsell.
Then there's the air. The Building America guide says the air barrier between a garage and the rooms above does two jobs. It stops moving air from stripping heat out of the insulation, and it keeps car exhaust and chemical fumes out of the house, which the guide calls the more important of the two. We won't promise a number on your bill. ENERGY STAR's well-known savings figure describes sealing a whole house and adding insulation in its attic and other easy-to-reach spots, and a garage isn't on that list.