Cheap Car Insurance in Grand Prairie, Texas
Grand Prairie is one of Texas’ most attractive small cities. It is a medium-sized town with roughly 200,000 residents, making it the 16th largest city in Texas. Some of our favorite things to do in the area include Bolder Adventure Park, the 172-acre Epic Central Park, and the Grand Prairie Historical Museum, with artifacts that celebrate the history of this great city.
If you want to legally drive in Grand Prairie and throughout the state of Texas, you must have valid auto insurance. Failure to have an active auto insurance policy when pulled over at a traffic stop can result in fines, driver’s license/registration suspension, and plenty of aggravation. Keep reading to learn more about car insurance in Texas, including the average rates paid by zip code, age, and nearby cities in the region.
Quick Facts
- Grand Prairie is located in Dallas County
- Famous singer Selena Gomez was born in Grand Prairie
- Grand Prairie is considered a suburb of both Dallas and Fort Worth
How Much Does Car Insurance Cost in Grand Prairie, TX?
Residents in Grand Prairie pay an average monthly premium of $173 for full coverage car insurance, higher the national average of $148 and higher than the state average of $155.
For the cheapest auto insurance in Grand Prairie, you’ll want to look at the state minimum liability, which averages $54 per month. That’s higher than the national average for liability at $47 and the state at $46.
Why is Car Insurance in Texas so Expensive?
There are a good number of people driving around with no insurance, plenty of insurance claims and personal lawsuits around accidents and large, congested cities with high crime rates.
Getting a Free Auto Insurance quote with Freeway is easy!
Low-Cost Car Insurance Rates Comparison by Cities
For the average monthly premium paid in other Texas cities, check out our breakdown below.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Grand Prairie | $173 | $54 |
| Dallas | $192 | $58 |
| Houston | $201 | $63 |
| San Antonio | $165 | $53 |
| Waco | $136 | $41 |
Affordable Car Insurance Rates by Zip Code in Grand Prairie, TX
Some zip codes pay higher premiums than others due to population density, crime rate, vehicle theft rate, and other factors determining each zip code’s risk profile.
See our breakdown below for the average monthly premium paid by Grand Prairie residents by zip code.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 75050 | $173 | $54 |
| 75051 | $178 | $56 |
| 75052 | $169 | $54 |
| 75053 | $178 | $56 |
| 75054 | $166 | $52 |
Low-Cost Car Insurance Rates by Age in Grand Prairie, TX
Generally, younger drivers pay higher rates than older drivers, due to an overall lack of driving experience and a higher number of claims as a demographic.
See our breakdown below for the average monthly premium paid by Grand Prairie residents by age.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $455 | $157 |
| 20s | $259 | $80 |
| 30s | $173 | $54 |
| 40s | $163 | $52 |
| 50s | $154 | $49 |
| 60s | $163 | $54 |
| 70s | $172 | $59 |
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Texas. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Driving Conditions in Grand Prairie, TX
How Many Fatal Accidents Happen in Grand Prairie?
In 2019, there were nine fatal road traffic accidents in Grand Prairie involving a total of 15 vehicles and resulting in 9 fatalities. There were 16 people involved, two of whom were pedestrians.
How Are the Road Infrastructure and Bridges in Grand Prairie, TX?
The City of Grand Prairie has a very active Public Works Department with a Street Services division, which works to maintain and upgrade all traffic signals, stormwater systems, and other vital infrastructure in the region.
Minimum Car Insurance Requirements in Grand Prairie, Texas
All drivers in Grand Prairie must carry the following minimum liability insurance limits to drive in the state legally:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
Minimum liability requirements only cover damages and medical bills for the third party. It does not offer first-party benefits such as full coverage, which offers comprehensive and collision insurance to protect against a broader range of traffic-related scenarios such as rollover collisions.
If you can afford it, we encourage you to get full coverage over state minimum liability for greater peace of mind.
Getting a Free Auto Insurance quote with Freeway is easy!
What Are the Penalties for Driving Without Insurance in Grand Prairie, TX?
Driving without insurance in Grand Prairie is a risky proposition.
- A first conviction for someone caught driving without insurance in Grand Prairie will result in fines up to $200 on top of penalty assessments.
- Second convictions will be even harsher punishments, with fines increasing to $500 on top of penalty assessments. You will also have your driver’s license and registration suspended until proof of insurance is provided to the DMV.
Remember, Texas drivers must carry minimum liability coverage of $30,000 of bodily injury liability per person, $60,000 of bodily injury liability coverage per accident, and $25,000 in property damage liability coverage. This is also referred to as a 30/60/25 policy.
Car Insurance Factors Allowed in Grand Prairie, TX
There are many ways auto insurance providers determine how much in premiums you pay.
Factors contributing to your premium include age, gender, and zip code of residence. Other factors include your vehicle make and model and the annual miles you drive.
Other factors include the following:
- Marital status
- Driving record
- Credit score
- Employment
Discounts for Car Insurance in Grand Prairie, Texas
There are many car insurance discounts Grand Prairie residents can take advantage of to lower their insurance premiums.
Some of these auto insurance discounts include:
One of our best recommendations is to call your insurance provider every couple of months to see if you qualify for any new discounts. Even one phone call could cut $20 off your monthly premium, which could make a world of difference to your monthly budget.
Get an Online Quote for Low-Cost Car Insurance in Grand Prairie, TX
Freeway Insurance will be more than glad to help you find the right auto insurance policy for you and your family.
If you are ready to start, you may reach out to us in three ways. Request a quote online, visit one of our office locations , or call 800-777-5620 for a free no-obligation consultation with one of our friendly agents.