Best Auto Insurance Rates in Grand Prairie, Texas

On average, your neighbors pay $77 a month.

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Compare Auto Insurance in Grand Prairie

Monday, January 7 2019 By Shantae Young

Grand Prairie, Texas has been steadily growing since its founding in 1909. It was building a new home at an average rate of every four hours in 2004, making it the fastest growing city in the nation that year. With all Grand Prairie has to offer, like beautiful parks, AirHogs baseball games, and mild winter weather, its sure to continue to grow at a healthy rate. Get a quote and see if your car insurance rates have grown too large.

Average Grand Prairie Car Insurance Rates

How much is car insurance in Grand Prairie, TX? Residents shouldn't be surprised that average rates in Grand Prairie are higher than the national average. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices may vary depending on your driving record, policy limits, coverage, and the number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

QuoteWizard helps Grand Prairie residents compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Grand Prairie, Texas and save up to 40% on your premium.

Last year, 4,939 people used QuoteWizard to compare car insurance quotes in Grand Prairie, TX from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Grand Prairie, TX

These were the most common car insurance companies reported by QuoteWizard users living in Grand Prairie, Texas last year. 205 of these users were uninsured when they requested a quote.

  1. Allstate
  2. GEICO
  3. Progressive
  4. Farmers
  5. Nationwide
  6. Liberty Mutual
  7. AAA
  8. Esurance
  9. USAA
  10. 21st Century
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles

These are the most common car makes and models owned by Grand Prairie, TX drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Honda Civic EX/LX
  4. Chevrolet Impala/ LS/LT
  5. Ford Mustang
  6. Ford Focus SE
  7. Nissan Altima 2.5 S
  8. Chevrolet C1500 Silverado
  9. Chevrolet Malibu LS
  10. Toyota Camry LE/XLE/SE
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Grand Prairie, TX

Grand Prairie, Texas has a minimum coverage requirement known as the 30/60/25 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The total your carrier will pay for property damage caused by a car accident.

Grand Prairie Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Grand Prairie, TX ranked 139th out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 7.9 years. Of the 4,939 Grand Prairie drivers that used QuoteWizard to request quotes, only 84 had incidents on their driving record including DWIs, tickets, and accidents.

Grand Prairie drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Major factors that can influence insurance rates in a city are weather and road conditions.

Weather

Grand Prairie’s weather is warm and humid, with hot summers and no dry season, and with chilly but not frigid winters. Spring and fall are pleasant, however springtime is when rain is most likely. Annually, Grand Prairie averages around 37 inches of rainfall between May and September. Snowfall and icy roads are rare in Grand Prairie.

Road Conditions

TRIP reports that 84% of the major roads in the Dallas-Fort-Worth-Arlington metropolitan area, which also includes Grand Prairie, are in poor or mediocre condition. The increasing number of potholes is especially troubling because of the damage they can cause, some of which are severe enough to warrant an insurance claim. According to TRIP, the poor condition of Grand Prairie streets costs local drivers an additional $791 a year, on average, due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

Grand Prairie is ranked together with Dallas as having the 34th worst traffic congestion in the United States. An average commuter spends an extra 23 minutes per hour stuck in traffic for every 60 minutes spent commuting during peak hour and an extra 90 hours a year for commutes lasting 30 minutes.

Moving Violations

Moving violations such as speeding tickets, accidents, and reckless driving will be added to your driving history and can have a dramatic impact on your rates. This is because tickets can go on your driving record for up to three years. If you get a lot of tickets in a short period, your insurer could change your status to non-preferred driver. This is the first step in a process that could end with a requirement to purchase a non-standard, high-risk car insurance policy.

Traffic Tickets

The Grand Prairie Municipal Court website allows you to pay traffic citations, tells drivers how to contest tickets,  and provides helpful traffic court information.

DWI Arrests

In 2015, Grand Prairie Police arrested 384 drivers for suspicion of driving while intoxicated.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local insurance agents from top insurance companies that specialize in Grand Prairie DWI insurance.

DWI Crashes and Injuries

Grand Prairie, TX Police reported 147 crashes involving alcohol or drugs in 2017. These accidents involving impaired drivers caused 102 injuries and eight fatalities.

Car Accident Statistics

Grand Prairie officials reported 3,335 car crashes in 2017. These accidents resulted in 1,539 insuries, 79 of them serious.

Traffic Fatalities

Grand Prairie experienced 11 fatal motor vehicle crashes in 2017 resulting in 13 deaths. Given Grand Prairie’s estimated population of 193,837, this city ranks among the nation's safest in terms of traffic fatalities per capita.

Vehicle Theft Rates

Grand Prairie Police reported 495 stolen vehicles in 2017. That's a rate of 2.55 car thefts per 1,000 residents. This was slightly higher than the national rate average of 2.37 per 1,000 people.

Car Insurance Discounts

Are you looking for more affordable car insurance? Discounts are one of the best ways to lower your rates. Below are only some of the insurance discounts available to drivers in Grand Prairie, TX.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 20% off your premium
  2. Are you married or getting married soon? Many insurers offer a discount for married couples
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  5. Get a new car with advanced safety like electronic stability control or anti-lock brakes
  6. Install anti-theft devices or a car alarm system

Sources:

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