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How much is car insurance in Grand Prairie?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Grand Prairie is about $5 a month more expensive than 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. It's around $11 less to insure your vehicle compared to the average rate for the United States as a whole.
Keep in mind that while these are the average car insurance rates for Grand Prairie, it isn't guaranteed that it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rate for Grand Prairie residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay $62 more than someone who is at retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Drivers in Grand Prairie may see their rates rise again once they hit retirement age.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The price for car insurance in Grand Prairie, however, is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Grand Prairie, drivers with one accident on their record will experience rates around $80 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $85.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average 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, trucks, and vans, with each type typically costing about $63 per month.
Car owners, meanwhile, pay on average $73 per month for insurance coverage.
Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Grand Prairie are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Grand Prairie is about $21 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
Your housing status is another component of how insurance companies calculate your monthly rate. In Grand Prairie, homeowners can expect to pay around $8 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Grand Prairie, TX
Recent trends in car insurance for Grand Prairie drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Grand Prairie, car insurance rates rose from 2017-2018, before steadying out in 2019. Car insurance rates increased again, hitting a high of $86 in 2021, and finished down at $85 in 2022.
How does Grand Prairie compare to neighboring areas?
Why are car insurance rates in Grand Prairie different from other areas?
Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Prevalence of crime
- Off-street parking access
- Total number of drivers
- Local regulations
- Road Safety (frequency of car accidents)
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies providing auto coverage in Grand Prairie.
Grand Prairie Insurance FAQs
What factors affect car insurance quotes in Grand Prairie?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Grand Prairie different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Grand Prairie?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Grand Prairie?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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 point, no matter how much time is left on your current policy. If you're thinking about moving to Grand Prairie or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.