Garrett was born in 1908 in Sparta, Georgia, and her family moved to Indianapolis when she was 14. She and husband James Garrett had two daughters. He died in 1993.
To celebrate her birthday last year, cars rolled slowly past her house, honking and yelling encouragement as she sat outdoors. Garrett began showing signs of dementia about five years earlier and needed constant care, family members told the Indianapolis Star in 2020.