Buy Cheap Grand Prairie, TX Auto Insurance
On average, Grand Prairie, TX auto insurance costs $365 per month or $4,384 annually. However, both driving and non-driving factors impact your insurance premiums in Texas. The cheapest Grand Prairie, TX auto insurance company is USAA, followed by State Farm. By law, all Grand Prairie residents must carry the Texas minimum auto insurance limits of 30/60/25 in liability coverage to drive on the roads.
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UPDATED: Jul 15, 2021
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- On average, Grand Prairie, TX auto insurance costs $365 per month or $4,384 annually
- USAA offers the cheapest average auto insurance quotes in your city, followed by State Farm
- Overflow traffic congestion from Dallas impacts your regional Grand Prairie insurance premiums
Grand Prairie, TX auto insurance rates are high compared to other Texan cities due to its proximity to Dallas.
Keep reading to compare actual annual premiums from the top Grand Prairie providers and learn how to secure cheap Texas auto insurance.
When you’re ready, enter your ZIP code into our free quote tool above to buy Grand Prairie, TX auto insurance.
What is the cheapest auto insurance company in Grand Prairie, TX?
USAA offers the cheapest average Grand Prairie, TX auto insurance quotes. However, only military personnel are eligible to use this company.
The next cheapest Grand Prairie, TX auto insurance company available to everyone is State Farm.
Below, compare the average annual rates from the top providers in your city:
- USAA – $2,714.36
- State Farm – $3,336.72
- GEICO – $3,918.43
- Nationwide – $3,931.09
- Progressive – $4,745.56
- Allstate – $6,022.89
- American Family – $6,023.85
Every insurance provider uses a different formula to calculate insurance premiums. Your age, driving record, and coverage needs impact your overall rates.
In Texas, even non-driving factors like gender and credit history can influence your monthly rates.
To secure your most affordable Grand Prairie, TX auto insurance rates, compare quotes from multiple companies online.
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What auto insurance coverage is required in Grand Prairie, TX?
By law, all Grand Prairie residents must carry the Texas minimum auto insurance limits to drive on the roads.
Currently, Texas requires the following coverages:
- $30,000 per person and $60,000 per incident in bodily injury liability coverage
- $25,000 per incident in property damage liability coverage
Texas is an at-fault or tort state. If you’re responsible for causing an accident, your liability auto insurance covers damages to the other driver involved.
Keep in mind this is only a basic policy. Experts recommend investing in full coverage auto insurance for more thorough coverage.
What affects auto insurance rates in Grand Prairie, TX?
Overflow traffic congestion from Dallas, located just 12 miles away, negatively impacts your Grand Prairie insurance rates.
According to INRIX, Dallas is the 10th-most congested city in America.
Many Grand Prairie residents commute to Dallas daily, but that bumper-to-bumper traffic increases the risk of automobile accidents.
City-Data reports that it takes 27.8 minutes on average for Grand Prairie Residents to commute to work.
Fortunately, auto theft statistics in Grand Prairie mirror the Texas average, which helps your local insurance costs.
The Federal Bureau of Investigation (FBI) recorded only 495 stolen vehicles in your town in 2017. That’s a rate of 256.1 auto thefts per 100,000 residents.
Grand Prairie, TX Auto Insurance: The Bottom Line
Ultimately, Grand Prairie insurance rates are higher than average due to its proximity to the busy city of Dallas.
Compare Grand Prairie auto insurance to the following Texan cities:
Fortunately, by researching ahead of time, asking about auto insurance discounts, and comparing quotes online, you’ll quickly secure cheap Grand Prairie insurance rates.
Find the best Grand Prairie, TX auto insurance company for you right now by entering your ZIP code into our free quote tool below.