In Grand Prairie, the average cost of insurance is $606 for minimum coverage and $1,968 for full coverage. This is more than the Texas average of $1,823 per year for full coverage. It is even more expensive than the national average of $1,674, making finding the best car insurance rates even more critical.
The graph below depicts a snapshot of five national carriers that provide low-cost insurance in Grand Prairie. Not only do these carriers have rates that are lower than the market average, but they all have at least an Excellent A rating from AM Best. Each company provides an app for those who prefer to manage their policies on their smartphone or tablet, but Allstate and Geico have received the most positive feedback for their digital experience overall.
Insurance requirements in Grand Prairie
Texas, like almost every other state, requires drivers to carry a minimum amount of liability insurance. This includes 30/60/25, which translates to:
Per person, bodily injury liability coverage of $30,000 is provided.
Per accident, bodily injury liability coverage of $60,000 is provided.
Property damage liability coverage of $25,000 per accident
Uninsured and underinsured motorist coverage, as well as personal injury protection (PIP), must be provided but may be declined in writing.
Grand Prairie car insurance discounts
Look for discounts offered by carriers to find the best rates in Grand Prairie. Some of the discounts require little effort but result in significant savings.
Airbags, anti-lock brakes, daytime running lights, and other safety equipment features: If a vehicle has airbags, anti-lock brakes, daytime running lights, or other safety equipment features, the driver may be eligible for additional savings.
Multi-policy: Adding an auto insurance policy with the same carrier from which you purchase a homeowners or rental policy can potentially lower your premiums.
Good student: Most carriers offer a potential good student discount to high school or college students who maintain at least a B average as a way to stay motivated and save.
Paid-in-full: Another way to potentially save money on rates is to pay premiums in one lump sum rather than monthly or quarterly instalments.
This list only represents a small portion of the discounts that are available. Many carriers provide much more, such as discounts for signing up or receiving an online quote. Other carriers, such as Geico, provide affiliation discounts, which provide additional savings simply for belonging to a specific alumni association or club membership.
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