Grand Prairie, TX Car Insurance

What's the average cost of car 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!


CAR INSURANCE RATES IN GRAND PRAIRIE
Grand Prairie Average (annual)Texas AverageNational Average
$1,561$1,415$1,548

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Grand Prairie car insurance costs by insurer


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.


GRAND PRAIRIE CAR INSURANCE RATES BY COMPANY
InsurerAverage Rate (annual)
USAA$1,290
State Farm$1,399
GEICO$1,416
Allstate$2,556

Read our guide to finding the best cheap auto insurance.



Grand Prairie car insurance costs by age

The best age for car insurance rates as a driver in Grand Prairie is your age_50s: drivers in this age group pay an average of $1,359per year. Those in their age_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.


GRAND PRAIRIE AUTO INSURANCE COSTS BY AGE
AgeAverage Yearly Rate
Teenagers$3,985
20s$2,026
30s$1,538
40s$1,499
50s$1,359
60s$1,407
70s$1,734

Learn more about the impact of age on auto insurance rates.



Grand Prairie auto insurance premiums by gender and marital status


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.


GRAND PRAIRIE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,555
Male$1,561
Single$1,464
Married$1,464
Divorced$1,561
Widowed$1,426

Learn more about how gender and marital status have on auto insurance rates.



Grand Prairie auto insurance costs by violation history


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.


GRAND PRAIRIE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DUI/DWI$2,441
Reckless Driving$2,420
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

Get more info on how a bad driving history can impact your car insurance costs.



Grand Prairie car insurance costs by credit level


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.


GRAND PRAIRIE AUTO INSURANCE RATES BY CREDIT TIER
Credit TierAverage Yearly Rate
Very Poor$3,312
Fair$1,946
Good$1,561
Very Good$1,449
Exceptional$1,280

Get additional information on how credit impacts car insurance costs.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.