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Yes, you can install insulation over ductwork, and doing so can save you money. Without insulation, the HVAC unit must work harder to force warm or cool air around the home, and once the air reaches the vent, it may not be the correct temperature. Insulating HVAC ducts makes your system work more efficiently, saving you money on heating and cooling bills.

Insulating an unheated garage can still be worth it. For instance, insulating an attached garage can help with heat loss from your house in general, and it can also make it easier to store electronics in your garage without worrying about them being exposed to extreme temperatures.

If you use your detached garage as a workspace, insulation can still make a difference. Plus, you can use space heaters and a window unit AC to help condition the space while you work without installing heating.

The cost of installing spray foam insulation is $2,760 on average, but this cost can be as low as $650 or as high as $7,700. The main cost factor is the size of the insulated area and the type of spray foam insulation. 

Polyurethane spray foam costs between $0.44 and $1.50 per board foot, where a board foot is equal to the volume of a one-foot length of a board. More expensive options, like soybean or vegetable oil spray foam, range from $1.50 to $3.00 per board foot.

Whether you should remove old insulation before blowing in new insulation depends on your particular situation. Fiberglass insulation attracts insects and mold over time, so if it has been decades since your last insulation upgrade, consider removing the old materials before placing the new ones. However, most types resist mold, insects, and mildew, so once you get the go-ahead from your contractor that your space is free from all three, feel free to install the new insulation directly on top of the pre-existing materials.