Garrard was born in
Clay County, Kentucky near
Manchester at the
Goose Creek Salt Works (later Union Salt Works) to Colonel Daniel Garrard (1780–1886) and Lucinda Jane Toulmin (1790–1849). He was a grandson of Kentucky Governor
James Garrard and cousin of Israel Garrard, Jeptha Garrard, and
Kenner Garrard. Garrard attended
Centre College in
Danville, Kentucky. On March 26, 1832, Garrard married Nancy Brawner, who died on March 31, just five days after their wedding. He then married Lucinda "Lucy" Burnham Lees on March 9, 1849; together they had eleven children, six boys and five girls. Garrard ran for office in the
Kentucky House of Representatives in 1841 and 1842, but was defeated both times. He ran again in 1843, beating his opponent, General
Elijah Combs. He was reelected in 1844 with no opposition. During the
Mexican-American War he served as a captain of Company E,
16th U.S. Infantry, from March 5, 1847, until August 5, 1849, but never saw combat. Four companies, Garrard's included, were stationed at
Cerralvo,
Mexico on the
Rio Grande, with the remaining six companies at
Monterrey. Garrard stated, "I think the 8 months I stayed there were the most pleasant part of my life. The Mexicans were fond of us. We had no trouble with them. The climate was pleasant and everything went well." Garrard left Kentucky in 1849 to seek his fortune in the
California Gold Rush, but returned to Kentucky in 1850, not having found a fortune. He won a seat in the
Kentucky Senate in 1857 and resigned in 1859 to run for the United States Congress, but was defeated by
Green Adams. He was elected again to the Kentucky Senate on August 4, 1861, but declined to serve as he had received his commission as colonel July 27, 1861. Although a staunch
Unionist, Garrard was a
slave owner. The
1840 U.S. Census shows that he owned 11 slaves. By 1860, his total worth was $20,000 (over $694,000 in 2007 dollars), and he owned nine slaves, thus making him the sixth-wealthiest citizen of Clay County. ==Civil War==