Find Car Insurance in Grand Prairie, TX  

What You Should Know About Car Insurance in Grand Prairie, TX

Everything about Grand Prairie speaks to people who want balance. The city has an excellent blend of urban and suburban neighborhoods, providing ample types of housing options. As an 81-square-mile municipality with a population of nearly 200,00 by the 2020 Census, Grand Prairie has its own bustling economy and amenities without the constant congestion of big cities. Yet, it is located 13 miles east of Dallas and 20 miles west of Fort Worth, which means residents can certainly choose to commute for further economic opportunities or to enjoy the sports teams and all the other conveniences of these major cities.

Grand Prairie is home to Epic Waters Waterpark, the largest waterpark in North Texas; Lone Star Park, a horse racing track with races seven days a week; Grand Prairie Premium Outlets for all the shoppers out there; and a Ripley’s Believe it or Not, among endless other attractions and entertainment options. You can hit the town to enjoy the action, just make sure you have the right coverage for your vehicle. Expert InsureOne agents can help you find the best auto insurance in Texas so you can drive around town with peace of mind.

How Much Does Car Insurance Cost in Grand Prairie, Texas?

Car insurance in Texas is very affordable. A full coverage policy costs $2,019 on average for a year, and a minimum liability policy costs $565. Nationally, the averages for these policies are $2,314 and $644.

Why Is Insurance So Cheap in Texas?

One of the factors insurers used to determine the price of a policy is how much it would cost them to repair or replace a vehicle. The cost of living in Texas is below the national average, so if an insured driver files a claim, it should cost less to fix in Texas than in California. Since insurers typically have to spend less in this state, it makes sense that they would charge less for coverage.

Furthermore, the rate of accidents per licensed driver in Texas is below the U.S. average. Since insurers only have to cover damages caused by drivers who are licensed and insured, this statistic might explain why costs are low in Texas.

Affordable Car Insurance Rates Comparison by Cities in Texas

The table below shows the effects of location on coverage costs. You can see the difference in monthly rates for Grand Prairie and other cities in the area.

City	Full Coverage Insurance	Liability Insurance Coverage
Grand Prairie	$176	$52
Dallas	$171	$52
Duncanville	$174	$51
Gainesville	$149	$111
Kennedale	$157	$47

What Types of Car Insurance Discounts Are Available in Grand Prairie?

Bundling is a great way to lower your insurance premiums, but insurers typically also offer many other types of discounts. The following are a few examples, several of which you should easily qualify for:

• Safety feature discount
• Military discount
• Paperless billing discount
• Auto-pay discount
• Paid-in-full discount

Notable Car Insurance Laws in Grand Prairie

Grand Prairie does not have its own insurance laws. Rather, the city follows the state’s laws that govern how insurers must operate in Texas.

What Are the Mandatory Car Insurance Requirements in Grand Prairie?

Although you can get a basic minimum liability policy, you have to make sure it meets the state’s guidelines for minimum levels of coverage, which include the following:

• $30,000 liability coverage for bodily injury per person
• $60,000 liability coverage for bodily injury per accident
• $25,000 liability coverage for property damage

What Is the Penalty for Driving Without Insurance in Grand Prairie?

For your own good, it is always worthwhile to have a good auto policy in place. Without one, you would be responsible for paying for any damages you cause, which can add up to significant money. But, in Texas, you do not even have the option of risking it and driving without coverage because driving while uninsured is against the law and makes you subject to these fines and penalties:

• $175 to $350 fine, possibly lower in cases of economic hardship
• $350 to $1,000 fine for a second offense
• A yearly insurance surcharge of $250 for three years
• Possible license suspension
• Possible vehicle impoundment

Do Grand Prairie-Specific Laws Play a Role in Determining Your Insurance Premiums?

When determining your premiums, state law allows insurers to use many different factors that help calculate risk or otherwise increase their bottom line. The following are a few examples of such factors:

• The cost of your vehicle: Your insurer may have to replace your vehicle after an accident or if it is stolen, so its cost will influence how much they charge you.
• The type of vehicle: Cars of different classes have varying levels of likelihood of getting into an accident. For example, a sports car that drivers may race down the highway is more of a risk than an executive sedan.
• Driving experience: The longer you have been driving, the more you will understand the dangers of the road and how to avoid getting into a crash.
• Mileage: If you rarely use your vehicle, you are less likely to get into an accident. Conversely, if you are on the road a lot, you are more likely to be in an accident.
• Loss probability: Every make and model — and even every trim — can have its own theft and accident rates, which means your insurer’s risk level depends heavily on the exact car you are trying to insure.

What Happens If I Damage Property in Grand Prairie?

Accidents can rattle even the calmest of people, but you must do your best to remain composed after an accident. If anyone gets hurt in a crash or a vehicle is obstructing traffic, Texas law requires you to call the police immediately. Even if you are not required to call the authorities, it usually makes sense to do so where there is damage.

If the other party is present, you can swap information with them. As you wait for an officer to arrive, take pictures of the scene so you have proof of the damage caused in case someone makes false claims or other issues about the scene arise at a later time. The officer will file a police report stating the nature of what occurred and who was at fault. You can then contact your insurer, who will help you reimburse the other party.

At InsureOne, in addition to our expert agents helping you find the best auto insurance with customizable options that best meet your needs, we stay with you and help you through the entire claims process to guide you to close out unpleasant accidents.

How Many Car Accidents Happen in Grand Prairie Per Year?

The Texas Department of Transportation reports the following as total crashes in Grand Prairie and several nearby cities in 2023:

City	Total Crashes
Grand Prairie	3,311
Dallas	31,678
Duncanville	906
Gainesville	331
Kennedale	115

 

How Many Uninsured/Underinsured Motorists Are in Grand Prairie?

According to TexasSure, a division of the Texas DMV, an estimated 20% of drivers in Texas are uninsured. The Insurance Information Institute found that only 13.8% of drivers in Texas were uninsured in 2022.

Either way, it means someone driving around you is likely to be uninsured. To protect yourself, purchasing uninsured motorist coverage (UM) is worth every penny.