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How much is car insurance in Grapevine?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Grapevine is about $5 cheaper than it is in the rest of Texas.
Similarly, car insurance rates in Grapevine are more affordable than the national average. You can expect to pay about $20 below the national average for auto insurance in Grapevine.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Grapevine and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
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Grapevine Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $37 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Grapevine drivers may see their rates climb back up a bit once they hit retirement.
Grapevine Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. This is true in Grapevine, where women pay around $5 less a month. As you can see in the table above, female drivers in the area typically pay $57 on average, while female drivers typically pay $62 each month.
Grapevine Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Grapevine with a single accident on their record is about $74 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $69 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Grapevine Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$61|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Grapevine, with drivers paying around $54 per month for auto insurance coverage.
Car owners can expect to pay an average of around $59 a month for their policy, while SUVs usually cost around $64 a month to insure.
Vehicle age can also affect your monthly bill. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is close to 5 years old, however, you may see your bill start to shrink a bit. In Grapevine, vehicles four-to-five years old are the most expensive to insure.
Grapevine Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Generally, those who have settled down into marriage will pay slightly less for car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Grapevine, the difference in rates based on relationship status can be as much as $16 a month.
Grapevine Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $7 a month more than homeowners in Grapevine. But if you live with your parents, your rates will be significantly higher.
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 Grapevine, TX
Recent trends in car insurance for Grapevine drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Grapevine, the rates for car insurance dropped from 2017-2018, before leveling out in 2019. Car insurance rates increased again recently, reaching a high of $73 in 2022.
How does Grapevine compare to neighboring areas?
Why are car insurance rates in Grapevine different from other areas?
Car insurance companies will take into account several factors when figuring out how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Off-street parking availability
- Crime rates
- Community laws
- Total number of drivers in the area
- Road Safety (frequency of local car accidents)
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Grapevine?
Equipping 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.
But hold on! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Grapevine.
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Grapevine Auto Insurance FAQs
What factors affect car insurance quotes in Grapevine?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Grapevine different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Grapevine?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Grapevine?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Grapevine or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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