Grand Prairie Car Insurance

The Zebra
May 30, 2018

Car Insurance in Grand Prairie

On average, Grand Prairie premiums are 8% greater than Texas' average, so in Grand Prairie, it is important to cut costs while insuring a vehicle. Let’s go over some ways to save on car insurance in Grand Prairie.

  • City Average: $1,961
  • State Average: $1,810
  • National Average: $1,427

Grand Prairie Car Insurance by Gender and Marital Status

Car insurance premiums in Grand Prairie can be influenced by gender and marital status. However, males have premiums that are only slightly more expensive than those for females. Believe it or not, marital status has a substantial impact on premiums. You spend around 11% more per year if you're single or divorced as opposed to married. Rates for those who are widowed are also way cheaper than rates for those who are single.

  • Female: $1,948
  • Male: $1,961
  • Single: $1,961
  • Married: $1,769
  • Divorced: $1,961
  • Widowed: $1,773

Grand Prairie Car Insurance by Credit Rating

Those with Very Poor credit (300-579) typically pay more than twice as much each year for car insurance than those with Exceptional credit (800-850). Drivers can save close to $405 per year when they raise their credit tier from Very Good (740-799) to Exceptional (800-850).

  • Very Poor: $3,412
  • Fair: $2,890
  • Good: $2,401
  • Very Good: $2,028
  • Exceptional: $1,623

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Grand Prairie Car Insurance by Accident or Violation History

Knowing which driving mishaps can make the expense of insurance rates spike will help you make better decisions and save money. Many people look at speeding as a minor offense, but did you know that getting pulled over for speeding (16-20mph over the limit) can cost you extra $81 per year on car insurance? Expect your yearly car insurance premiums to grow by $980 if you are found at-fault in an accident in Grand Prairie.

  • DUI: $2,774
  • Reckless Driving: $2,710
  • At-fault Accident (damages less than $1000): $2,941
  • At-fault Accident (damages greater than $2000): $2,941
  • Speeding Ticket (16-20 mph over speed limit): $2,042

Grand Prairie Car Insurance by Age

Drivers in Grand Prairie see the most significant dip in premiums when they reach their 20s, as they pay an average of 62% less after moving out of the teenage age range. Car insurance premiums continue to trend downward up until drivers hit 60. Teenage drivers have the largest premiums of any age group. They have car insurance payments that average $6,309 per year. Drivers in their 50s save money on car insurance payments, as they have the lowest rates among all age groups, paying only $1,673 every year. Those in their 60s ($1,748) have premiums that aren't much higher.

  • Teenagers: $6,309
  • 20s: $2,372
  • 30s: $1,933
  • 40s: $1,873
  • 50s: $1,673
  • 60s: $1,748
  • 70s: $2,172