Table of contents
How much is car insurance in Grapevine?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Grapevine is about $5 a month cheaper than it is for the rest of Texas.
Similarly, when compared to the national average, the cost for auto insurance in Grapevine is lower. The average monthly payment for the U.S. as a whole is about $21 more expensive than in Grapevine.
Although these are the average rates for auto insurance in Grapevine, it's important to remember that you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
We've analyzed the average rate for Grapevine and broken down the different factors to help you understand what your policy's monthly premium will be. 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!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It would make sense that older drivers have more driving experience, right? When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. You may see your rates climb back up a bit once you hit retirement in Grapevine.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This is true in Grapevine, where male drivers pay about $6 more a month. Looking at the table above, you can see that female drivers pay around $56 on average, while male drivers typically pay $62 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. 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 $72 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$62|
As you can see in the first table above, the cheapest vehicles to insure in Grapevine are typically trucks and vans, which run about $54 per month.
Car owners, on the other hand, usually pay around $60 per month, while SUV drivers can expect to pay about $63 a month for insurance.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Grapevine, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$65|
Overall, people who are married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Grapevine is about $15 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||$92|
One other element taken into consideration is your living accommodations. In Grapevine, homeowners can expect to pay around $7 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Grapevine, TX
Recent trends in car insurance for Grapevine drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Grapevine, auto insurance rates increased from 2017-2018, before leveling out in 2019. Car insurance rates have been increasing again recently, and finished up at $115 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 numerous factors when they're deciding how much to charge for a policy. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Local regulations
- Rate of crime
- Total number of drivers in the region
- Availability of off-street parking
- Road Safety (total number of local car accidents)
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing 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 Grapevine?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer policies in Grapevine.
Grapevine Insurance FAQs
What factors affect car insurance quotes in Grapevine?
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 credit score, address, marital status and driving record.
Why is the cost of car insurance in Grapevine different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Grapevine?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Grapevine?
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 Grapevine 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.