Garrard will have surgery on the middle finger of his right hand Thursday. Trent Edwards is likely to start in Garrard's place, essentially giving the former Buffalo Bills starter an audition with Jacksonville.
Garrard injured his finger when he hit it on an opposing player's helmet at Indianapolis on Dec. 19. He threw a crucial interception late in the that game, and threw two more picks in a 20-17 overtime loss to Washington on Sunday. He also fumbled twice.
The Jaguars (8-7) also likely will be without star running back Maurice Jones-Drew, who missed his fourth consecutive practice Wednesday because of an injured right knee.