Explore ways to save on auto insurance in Grand Prairie.
The average cost of car insurance in Grand Prairie, Texas, is $1,561 each year. That's more than the statewide average in Texas ($1,415) and more expensive than the national average of $1,548. Our guide to Grand Prairie auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
|Grand Prairie Average (annual)||Texas Average||National Average|
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Grand Prairie, USAA provides the most affordable rates for the typical insurance customer. We've gathered the best cheap car insurance companies in Grand Prairie below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
|Insurer||Average Rate (annual)|
The best age for car insurance rates as a driver in Grand Prairie is your 50s: drivers in this age group pay an average of $1,359 per year. Those in their 60s don't pay much more ($1,407).
Teenage drivers pay Grand Prairie's most expensive auto insurance rates. When Grand Prairie drivers hit their 20s, their insurance rates drop substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Grand Prairie is $1,959, the largest such difference between any two age brackets.
|Age||Average Yearly Rate|
Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In Grand Prairie, married motorists pay $97 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Grand Prairie, single drivers pay more than those who are widowed.
Gender is another factor that can influence auto insurance rates. Grand Prairie's car insurance cost gap by gender is $6 per year, with male drivers paying more than female drivers.
|Marital Status/Gender||Average Annual Rate|
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Grand Prairie, a reckless driving citation results in an average insurance rate increase of $859 per year, compared to the citywide average. For comparison's sake, a DUI offense results in an $880 increase, and a speeding ticket triggers a $136 rate hike.
|Incident||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,998|
|At-fault Accident (damages greater than $2,000)||$2,379|
|Speeding Ticket (16-20 mph over speed limit)||$1,697|
It's no secret credit score is closely correlated with auto insurance rates. In Grand Prairie, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 61% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Grand Prairie, improving your credit to "Fair" could help you earn a $1,365 decrease in annual car insurance rates.
|Credit Tier||Average Yearly Rate|