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TGS Insurance  »  Auto Insurance  »  Grand Prairie

Grand Prairie Car Insurance

Home to 194,522 Texans, Grand Prairie is growing year-by-year. As the city’s population grows, so does the congestion on the roads. According to the Texas Department of Transportation, the city of Grand Prairie has seen a 61.21% increase in annual car accidents since 2010. Having Grand Prairie car insurance is legally and ethically necessary if you want to keep yourself, your passengers, other drivers, and pedestrians safe.

What Does Grand Prairie Car Insurance Cover?

You love your car. It goes with you most places, and you take good care of it. You want it covered if something happens to it. Texas has a required minimum auto insurance limit that is called 30/60/25. After minimum requirements are met, you should look at your other needs. Minimum liability coverage does NOT cover your car or injuries, just the other party in the accident and their property. Your passengers are also not protected. This is why many people opt into full coverage auto insurance, including the minimum state requirements and comprehensive and collision coverage. This coverage combination offers protection against damage to your car from an accident, theft, or another object hitting your car. You can add extra coverage to your policy if you want more protection, like against uninsured motorists. Here is a breakdown of different coverage options you can add to your car insurance policy:

Type of CoverageDescription
Property Damage LiabilityPays for the damage you may cause to someone else’s property.
Bodily Injury LiabilityHelps you cover the cost of injuries of others involved in an accident you caused.
CollisionPays for the damage to your car from a collision with another car or object.
Personal Injury ProtectionPays for treating injuries to you or the passengers of your car.
ComprehensiveReimburses you for loss due to theft or damage caused by something else other than a collision.
Uninsured and Underinsured Motorist CoverageReimburse you if you are hit by a driver who is either completely uninsured or does not have enough coverage to pay for the damages they caused.

How Much Does Grand Prairie Car Insurance Cost?

The average cost for full coverage auto insurance in Grand Prairie is $1,019.91 among TGS Insurance Agency customers. Car insurance rates differ considerably due to several constituents, based on you, your vehicle, and your location, among many other things. These factors include, but are not limited to:

  • Age
  • Car make and model
  • High-risk violations
  • Yearly mileage
  • Credit history
  • Driving record
  • Zip code
  • Marital status
  • Gender
Some factors that affect your rates are entirely in your control, such as your driving record or credit history. Other factors, like your age and the population of Grand Prairie, are not.

How Does Location Affect Car Insurance Rates in Grand Prairie?

Similar to homeowners insurance, location is an important factor in determining your auto insurance rates in Grand Prairie. If your neighborhood has a higher rate of theft than the neighborhood a few blocks down, your rates will be higher. If there is a higher than the average number of uninsured motorists in your area, your rates will be higher. If auto insurance companies identify anything in your area that might make your vehicle riskier to insure, you will see that reflected in your premium. Likewise, there are things you can do like parking your car in a garage or covered area versus the street that can help reduce your premium. Because carriers get so granular with their risks evaluations, rates can vary greatly- even within the same city. Below is a breakdown of the average premium for auto insurance around Grand Prairie:

Bar chart of annual auto insurance premium in Grand Prairie, TX broken down by zip code

Grand Prairie Auto Insurance Rates by Company

Choosing your car insurance provider is about more than just the price, even though we know the cost is certainly a factor. Because each provider is in charge of setting their own rates, the same coverage can vary between carriers. The top carrier in Grand Prairie is Progressive. TGS customers in Grand Prairie pay an average of $945.94 when insured by Progressive. Looking at the numbers, an overwhelming number of people in your area have chosen Progressive over our next most popular carrier, Allstate. The average premium for Allstate is $1,031.32 for TGS Insurance customers. Here is a breakdown of the different carriers used in Grand Prairie.

Bar chart of Grand Prairie auto insurance premiums by carrier where Progressive is the cheapest option in Grand Prairie.

Getting a Grand Prairie Car Insurance Quote is as Easy as 1-2-3!

Getting the best car insurance in Grand Prairie is simple when you use TGS Insurance’s proprietary online quoting tool for a free, no-obligation quote.

  1. Enter your name and address
  2. View your quote
  3. Customize your coverage with the guidance of one of our expert independent agents

Disclaimer

Every driver is unique. Insurance premium costs are impacted by several factors; therefore, we recommend obtaining an individualized quote to find your rates. Our data is representative of quality, publicly sourced, and internal data, but should not be deciphered as bindable.