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How much is car insurance in Grand Prairie?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $5 a month more expensive to insure your vehicle in Grand Prairie than it is in the rest of Texas.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Grand Prairie is rather affordable. The average monthly payment in Grand Prairie is about $10 less than the rate for the rest of the U.S.
While these numbers are the average rates for auto insurance in Grand Prairie, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Grand Prairie residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Grand Prairie Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experienced you are on the roads. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay $62 more than someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Grand Prairie may see their rates climb back up a bit once they hit retirement.
Grand Prairie Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. While female drivers pay slightly less than male drivers on their monthly premiums, the difference in Grand Prairie is only about $3 a month.
Grand Prairie Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Grand Prairie, a driving record with one accident will usually get you a rate around $80 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $82.
Accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Grand Prairie Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$73|
|15 Years or Older||$64|
The cheapest vehicles to insure in Grand Prairie are typically SUVs, with each type typically costing about $63 per month.
Car owners can expect to pay an average of around $72 a month for their policy, while truck and van drivers are usually around $64 to insure each month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Grand Prairie, vehicles eight-to-ten years old are the most expensive to insure.
Grand Prairie Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Generally, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
According to the table above, the difference in rates based on relationship status in Grand Prairie can be as much as $21 a month, so it's worth taking into consideration.
Grand Prairie Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$107|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Grand Prairie, expect to pay around $7 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Grand Prairie, TX
Recent trends in car insurance for Grand Prairie drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending when choosing your car insurance policy.
Car insurance rates in Grand Prairie went up from 2017-2018, before leveling out in 2019. Rates increased again, reaching a high of $86 in 2021, and finished down at $71 in 2022.
How does Grand Prairie compare to neighboring areas?
Why are car insurance rates in Grand Prairie different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. Where you live will also have a significant impact on your personal policy. This may include things like:
- Amount of drivers in the community
- Off-street parking access
- Community laws
- Road Safety (frequency of local car accidents)
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Grand Prairie?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Grand Prairie.
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Grand Prairie Auto Insurance FAQs
What factors affect car insurance quotes in Grand Prairie?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Grand Prairie different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Grand Prairie?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Grand Prairie?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Grand Prairie or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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