Car Insurance in Grand Prairie, TX [Cheap Rates + Best Coverage]

NO matter where you move to in Texas, you’ll need car insurance for your vehicle. Moving to a new city can be overwhelming, though, especially when you are trying to find a car insurance provider and learn new traffic patterns.

Car insurance in a new city doesn’t have to be stressful.

We will help you determine if you should stick with your current provider or switch by looking at rates in Grand Prairie. Our comprehensive guide will cover everything from Grand Prairie’s providers to its unique city laws.

Let’s get started.

Want to start comparison shopping today? Enter your zip code in our FREE tool to see your area’s rates.

The Cost of Car Insurance in Grand Prairie

Car insurance in Texas is an expensive necessity. Shopping around for providers can help, but it is important to also know what factors providers base their rates on.

By being aware of providers’ costs and the different rate factors, you can make sure you are getting the best deal possible.

That’s why we are going to go through everything you need to know about the cost of car insurance in Grand Prairie, as we partnered with Quadrant to bring you data on everything from demographic factors to driving record.

– Male vs. Female vs. Age

Drivers are often surprised to learn that their gender is a determining factor in their rates. While a few states have banned gender discrimination in insurance rates, Texas is not one of them.

Age is also a major factor in how providers determine rates. If you are a teen or elderly driver, you can expect to have higher rates.

Why?

Because teens are considerably less experienced than older drivers, and elderly drivers can suffer from eyesight problems or decreased reaction times.

With this in mind, let’s take a look at the median age in Grand Prairie to see what most drivers’ rates will be.

According to Data USA, the median age in Grand Prairie is 32.9.

Let’s see what rates 30-year-old drivers will receive in Grand Prairie, as well as rates for other ages.

35-year-old drivers have the second-cheapest rates, with 60-year-old drivers earning the best rates (though rates will increase slightly as drivers become older and move into geriatric years). As predicted, teens have also have significantly higher rates than any other age.

Now that we’ve covered age, let’s take a look at the different rates by gender.

In Grand Prairie, male drivers pay an average of $4,384 annually for car insurance. This is compared to $4,143 annually for female drivers.

This price difference is common, as insurers consider females to be safer drivers based on accident data. Wondering now how much you pay based on your age and gender?

Below you can see what your demographic’s average cost is in Grand Prairie.

The data shows that female drivers consistently pay less than male drivers, and drivers also pay less as they age. This is common across the U.S., so Grand Prairie’s demographic rates have no hidden surprises.

– Cheapest Zip Codes in Grand Prairie

If you’ve moved multiple times, you probably know by now that rates vary greatly by location. To see what the cost of car insurance is by your zip code, take a look at the rates by zip code below.

The rate differences in Grand Prairie aren’t terrible. There is about a $600 difference between the cheapest and most expensive zip codes, so if you decide to move around Grand Prairie, there shouldn’t be a huge price increase in your car insurance.

Of course, $600 can be a strain on the budget, so make sure to check different provider’s prices when moving.

– What’s the Best Car Insurance Company in Grand Prairie?

It can be hard to pick an insurance provider. While reading customer reviews is a great way to get a feel for a provider, price is also an important factor.

To help you pick a provider right for you, we are going to go through rates by insurance companies.

This way, you can pick the one that is right for you based on factors like commute distance and driving record rates.

Let’s jump right into it.

– Cheapest Car Insurance Rates by Company

Since cost is such an important factor in picking a provider, let’s take a look at Grand Prairie providers’ rates.

American Family and Allstate have the highest overall rates in Grand Prairie. These companies cost thousands more than the cheapest providers (USAA and State Farm).

Don’t just pick a provider based on its overall rate, though.

A provider that’s more expensive overall may have a cheaper rate for your demographic so make sure to shop around.

– Best Car Insurance for Commute Rates

A long commute to work can be made even worse by a higher insurance bill. The more you drive, the more insurers charge because your risk factor of being in a crash goes up.

The average Texas driver travels 15,533 miles a year, which qualifies most drivers as long commuters.

Below are Grand Prairie’s rates based on commute distance.

The good news is that about half the providers in Grand Prairie don’t charge based on commute distance. Those who do increase their prices generally keep costs under $200 (with the exception of Allstate).

– Best Car Insurance for Coverage Level Rates

Good coverage is important, as spotty coverage will cost you in an accident. Let’s take a look at how much it costs to upgrade your coverage in Grand Prairie.

All of Grand Prairie’s providers have reasonable rate increases. Going from low to high coverage will cost you a thousand or LESS. In some cases, you’ll only pay a few hundred more for high coverage.

This is great, as it usually costs over a thousand for an upgrade from low to high coverage in other areas.

– Best Car Insurance for Credit History Rates

Credit history is an important factor to Texas insurers. While some states don’t allow insurers to base rates on credit score, Texas providers look at credit score just as thoroughly as your driving record.

At all Grand Prairie providers, the decline from a good to a poor credit score will cost drivers THOUSANDS of dollars a year. For drivers that are trying to correct their bad credit scores, this is a detrimental expense.

– Best Car Insurance for Driving Record Rates

Driving record is another factor that can destroy your budget for car insurance. Let’s take a close look at what common driving offenses can do to your rates.

Providers differ in how to penalize driving offenses. At Geico, for example, a speeding ticket or accident will cost you more than a DUI.

As well, while speeding tickets generally cost less than accidents and DUIs, some providers do charge more for a speeding ticket in Grand Prairie.

Bear in mind, too, that these rates are for a first offense. Multiple offenses will cost you much more than the rates shown in the table above.

– Car Insurance Factors in Grand Prairie

There are more factors insurers use beyond just demographics and driving record. Insurers also care about economic factors in a city, such as income and employment.

These factors are important, as a city that struggles with poverty will have more uninsured drivers on the road.

That’s why we are going to take a look at everything you need to know about Grand Prairie’s car insurance factors with information collected by Data USA.

– Median Household Income

Have you ever wondered what percentage of your income goes to car insurance? We are going to take a look at how much of Grand Prairie residents’ income is being spent on insuring their cars.

To start, let’s take a look at what the median household income is in Grand Prairie.

The average Grand Prairie household earns $62,589 a year, which is more than both  Texas and U.S. average incomes.

Since the average cost of insurance in Grand Prairie is $6,083, most households pay 9.72 percent of their income on car insurance.

Almost ten percent is fairly high, though the percentage of income you pay to car insurance will be different, as everyone has different incomes.

If you want to see what percentage you’ll pay, check out our free calculator below.

CalculatorPro

– Homeownership in Grand Prairie

If you own your home, you may receive a better rate on your car insurance. Not only are there home and auto bundling discounts, but insurers also view homeowners as more reliable in making monthly payments.

In Grand Prairie, 62.7 percent of residents own their homes. This is slightly more than the Texas average (62 percent) and slightly less than the U.S. average (63.8 percent).

Grand Prairie has a decent rate of homeownership, falling right in between the Texas and U.S. averages. Let’s now see how much the average homeowners’ properties are valued at.

The 2017 median property value of a home in Grand Prairie is $139,600, an increase from 2016 median property value of $132,600. While this increase in property value is great for those wishing to sell, it does mean it will cost you a bit more to buy a house.

Grand Prairie’s homes are also cheaper than the Texas state average ($151,500), which means you could save by picking Grand Prairie as your Texas residence.

– Education in Grand Prairie

If you are looking to get your college degree, the last thing you want to do is move to a city without higher education opportunities. Let’s see what universities Grand Prairie has to offer within city boundaries.

Grand Prairie’s largest school is the Lincoln College of Technology, which awarded 586 degrees in 2017.

Grand Prairie’s universities awarded a total of 1,690 degrees in 2017.

The bad news is that Grand Prairie doesn’t have a community college. The good news is that there is one close by in Arlington, TX.

The Tarrant County College has multiple two-year associate degrees and transfer programs, from science to welding technology. There are also online courses, which are always a reasonable option if you find yourself too busy to attend classes.

– Wage by Race and Ethnicity in Common Jobs

Now that we’ve covered education, let’s look at the common wages Grand Prairie residents receive after graduation. Specifically, we want to see what the wages are by race and ethnicity in miscellaneous managers.

The difference in salaries between races and ethnicities means that the highest-paid (Asians) pay about 6 percent less of their income to car insurance.

– Wage by Gender in Common Jobs

Let’s dig a little deeper into wage differences by also looking at gender. Below, you can see how wages are different between genders in common jobs.

Data USA reports that in 2017, female employees made 1.41 times LESS than male employees in Grand Prairie. Below are the average salaries for male versus female employees in Grand Prairie.

• Average male salary = $64,953
• Average female salary = $45,959

That’s roughly a $19,000 difference between genders. Because of this, females will have a higher percentage of their income going to car insurance.

– Poverty by Age and Gender

Because females earn less, it makes sense that there are more females than males living in poverty in Grand Prairie. Sadly, the largest demographic living in poverty in Grand Prairie are young females aged 6-11.

The next highest demographics in poverty in Grand Prairie are females aged 25-34, and 35-44.

12.8 percent of Grand Prairie’s population living in poverty live below the poverty line, which is lower than the national average (13.4 percent).

While more females than males are poverty-stricken in Grand Prairie, there are more males living in poverty at the ages <5, 5, and 15.

– Poverty by Race and Ethnicity

Other poverty demographics we want to touch on are poverty by race and ethnicity.

The largest demographic living in poverty in Grand Prairie are whites, with 16,005 white people living in poverty in 2017. The second-highest demographic are Hispanics (14,104 people), followed by Blacks (5,192 people).

The other races and demographics have a very small percentage of people living in poverty.

– Employment by Occupations

Now that we’ve covered wages and poverty in Grand Prairie, let’s take a look at the three most common employments.

1. Office and Administrative Support Occupations (14,514 people)
2. Sales and Related Occupations (9,367 people)
3. Management Occupations (7,611 people)

Grand Prairie’s employment rate grew from 2016 to 2017 at a rate of 2.5 percent. In 2016, there were 92,200 employees, which grew to 94,500 employees in 2017.

Driving in Grand Prairie

City driving can be a major hassle. From traffic to toll roads, city driving can make even the most patient person frustrated.

To help you navigate Grand Prairie’s roads, from rural to urban, we are going to go through everything you need to know about driving in Grand Prairie.

From major highways to traffic conditions, keep reading to learn about the best routes to take around Grand Prairie and what to avoid.

– Roads in Grand Prairie

City roads are critical to getting around, and the last thing you want is to drive around on poorly maintained or dangerous roads.

That’s why we are going to start by taking an in-depth look at Grand Prairie’s roads, from major highways to red light cameras, so you know what to keep an eye out for.

Let’s dive right in.

– Major Highways

Every city needs access to major highways. The state of Texas has 25 active routes, making up 3,501 miles of roadway.

One of these major routes (I-30) runs right through Grand Prairie, making it easy to get around.

I-30, the major route that passes through Grand Prairie, has been around since 1964.

As for toll roads, the good news is that most of the active toll roads on I-30 are near Austin, not Grand Prairie. If you are driving in Texas, though, there is a high likelihood that you will run into toll roads.

Some Texans are actually pushing for the removal of toll roads after the roads are paid off, as Texas has a high number of roll roads across the state.

Since the removal of toll roads may never happen, it is worth it to invest in a TxTag if you frequently go through tolls. You will have to pay a fee to buy the device, but you will then only pay for the tolls you go through (you can even set up autopay).

TxTag users also get the cheapest rates, which can be up to 50 percent less. If you go through tolls frequently, a TxTag will save you money over time and save you the hassle of scrounging up change.

– Popular Road Trips/Sites

Most people want the city they move into to be entertaining, especially on the weekends. Luckily, there are activities to do both within and outside of Grand Prairie.

Once you’ve seen everything Grand Prairie has to offer, you can venture outside the city for road trips.

• Christmas Town Road Trip — Can’t get enough of the holiday season? This road trip will take you through some of the best displays in Texas (Grand Prairie itself even made it on the list).
• Fall Foliage Road Trip — Like pumpkin spice better than candy canes? Take this road trip to see Texas’s arrays of fall foliage.
• Bargain Store Road Trip — If you like thrift shopping, this trip will take you to the best thrift stores in Texas.
• Candy Store Road Trip — Those with sweet tooths will enjoy this trip to the seven greatest candy stores in Texas.
• Best Restaurants Road Trip — If you want to spend a week eating great food, this trip will take to iconic and great tasting restaurants throughout Texas. Just be prepared to hit the gym after.
• Historical Site Road Trip — Love history? This trip will take you to some of the most important historical sites in Texas, from battlefields to museums.

These are just some of the great road trips you can take from Grand Prairie. You can also visit nearby cities like Dallas or Fort Worth for a day of fun and to experience what other cities in Texas have to offer.

– Grand Prairie Speeding and Red Light Cameras

According to the Insurance Institute for Highway Safety (IIHS), Texas currently only uses red light cameras in the state, not speeding cameras.

However, this won’t be the case for long.

Texas recently passed a bill banning red light cameras, which will go into effect September 1st of 2019.

In fact, Grand Prairie has already decommissioned its red light cameras and ceased giving out red light tickets as of May 31, 2019. Though the cameras are still up, they are turned off and will soon be removed.

So while you should never go through a red light, you can rest assured that you won’t get a ticket for going slightly over the white line at an intersection when stopping.

– Vehicles in Grand Prairie

Getting your first car is an important and exciting milestone, but vehicle owners quickly come to realize that a car also comes with a new set of issues and worries.

Beyond unexpected breakdowns, there are also issues like keeping your vehicle safe from theft, sitting in traffic for miles, or driving on dangerous roads.

To help give you an idea of what car ownership is like in Grand Prairie, we are going to go through everything you need to know about driving a vehicle in Grand Prairie.

Let’s get started.

– Grand Prairie Cars Per Household

Data USA’s research shows that the majority of Grand Prairie households own two cars. A very small percentage (4.21 percent) of Grand  Prairie’s residents own five or more cars.

So if you own two to three cars, you’ll match Grand Prairie’s statistics perfectly.

– Households Without a Car

There are also those in Grand Prairie who depend entirely on public transit or rides to get around the city.

The percentage of households without cars decreased slightly from 2016 to 2017, meaning multiple households bought their first vehicle that year.

– Speed Traps in Grand Prairie

We are all guilty of sometimes viewing posted speed limits as suggestions rather than the law. The result is that cops will hide on roads notorious for speeding to catch drivers going over the speed limit.

Grand Prairie, though, hasn’t made it onto the list of the top-10 worst speed trap cities in Texas.

While Grand Prairie isn’t notorious for speed traps, it is still good practice to follow posted speed limits to avoid a ticket. Remember, speeding tickets will cost more than just the paying the fine — they will also raise your insurance rates.

– Vehicle Theft in City

Having your car stolen is not a pleasant experience. Unfortunately, if you live in a city prone to crime, there is a greater chance a thief will steal your vehicle.

 The FBI’s 2013 report found that 590 vehicles were stolen in Grand Prairie that year.

In 2017, Neighborhood Scout found that there were 495 stolen vehicles, which is a slight decline from 2013.

If you want less risk of theft, Neighborhood Scout listed the safest neighborhood in Grand Prairie as Watson Rd/Route 360.

The other safest neighborhoods listed by Neighborhood Scout are below.

• Lake Ridge Pky/Garden Rd
• Fm 1382/S Belt Line Rd
• Sandra Ln/Matthew Rd
• Timber Ct/Garden Oaks Pl
• S Belt Line Rd/E Fishcreek Rd
• W Polo Rd/Matthew Rd
• Mayfield Rd/S Robinson Rd
• Florence Hill
• Tanner Way/Endicott Dr

Now that you know the safest places to be, let’s take a look at safe the city is overall.

Your chances of being the victim of a violent crime in Grand Prairie is one out of 338. This is better chance than the Texas average, where you have a one in 228 chance.

Below is a breakdown of Grand Prairie’s violent crime rates.

Compared to other Texas cities, Grand Prairie has a low number of violent crimes. However, Grand Prairie did only receive a crime index rating of 20, meaning it is safer than only 20 percent of U.S. cities.

Up next is Grand Prairie’s number of annual crimes, which could be why Grand Prairie has a lower crime index rating.

The good news is that Grand Prairie does have a fairly low rate of violent crimes, although there is still a decent rate of thefts. Compared to 0ther Texas cities, though, Grand Prairie is definitely NOT the most dangerous.

– Traffic

We have good news for you. Grand Prairie doesn’t appear on any major traffic scorecards, such as Inrix or TomTom. 

While Grand Prairie will have normal traffic, you won’t be sitting in it for hours like other cities. We should note that Dallas and Fort Worth did make it onto some of the scorecards, so if you drive to those cities you will have to deal with more traffic than usual.

For the most part, though, you won’t have to deal with huge traffic backups if you live in Grand Prairie.

– Transportation

While Grand Prairie didn’t make it onto traffic scorecards, Grand Prairie residents do have longer commute times than the U.S. average.

The average Grand Prairie resident spends 27.8 minutes commuting to and from work, making for a total of 55.6 minutes of commute time a day.

This is more than the U.S. average of 25.1 minutes. This may not seem like much of a difference, but a few minutes saved a day can be the difference between grabbing an actual breakfast or eating a stale protein bar.

This longer commute time isn’t necessarily due to traffic, as it could be due to other factors like workplaces being farther away.

– Commuter Transportation

Let’s take a look at how most Grand Prairie residents take their longer-than-average commute to work.

Over 82 percent of Grand Prairie resident drive alone to work, though a small percentage (10 percent) carpool. The remaining residents take other methods of transportation (or work from home).

– How Safe are Grand Prairie’s Streets and Roads?

Beyond traffic and vehicle theft, there is also road safety to consider. We want to take an in-depth look at the National Highway Traffic Safety Administration’s (NHTSA) data on crash fatalities in Grand Prairie.

This way, we can see just how safe Grand Prairie’s roads are for drivers.

The first crash data we want to look at is the total number of fatalities in the multiple counties that Grand Prairie is a part of.

Dallas County has the highest fatality rates, followed by Tarrant County. Let’s next take a look at major crash types in Grand Prairie, from speeding to drunk driving.

Dallas County has a fairly high number of fatalities, especially those involving speeding and drunk driving. Let’s see how Ellis County compares.

Ellis County has a low number of intersection related deaths, as well as a fairly low number of drunk driving or speeding deaths. Finally, let’s take a look at major crashes in Tarrant County.

While Tarrant County doesn’t have as many fatalities as Dallas County, it does have a fairly high number of drunk driving and roadway departure deaths.

Road safety isn’t just about car occupants — a number of cyclists and pedestrians are killed each year. Let’s take a look at person type fatalities by counties.

In Dallas County and Tarrant County, you should keep a close eye out when driving (or walking) on roadways. Let’s now take a look at the highways with the most fatal crashes in Texas.

A majority of fatal crashes in Texas occur on minor and collector arterial roads. What’s the difference between these road types?

Arterial roads are high traffic roads (such as highways) that can be classified as arterial or minor arterial depending on the volume of traffic. A collector road collects local traffic and takes it to arterial roads.

Anytime you are around high-traffic areas, be extra alert to avoid a crash with another vehicle.

– Allstate America’s Best Drivers Report

Allstate America’s Best Drivers Report rates cities’ safety based on driving data. Let’s take a look at how Grand Prairie ranks.

Allstate ranked Grand Prairie as the 146th city for best drivers.

Below is a breakdown of how Allstate ranked Grand Prairie’s drivers.

Grand Prairie’s 2018 rating actually dropped from 2017, when Grand Prairie was ranked 139th. The drivers in Grand Prairie, though, only make a claim (on average) every 7-8 years.

While there aren’t specifics on what types of claims are made, it seems the majority of drivers in Grand Prairie aren’t getting into accidents frequently.

– Ridesharing

Ridesharing is a great service for when you need a ride home from an airport or bar. With so many ridesharing options in a city, though, it can be hard to know which one best fits your budget.

Below, we’ve listed the rideshare options available in Grand Prairie, from cheapest to most expensive.

1. Uber — Uber X is the cheapest option in Grand Prairie, but a general Uber ride falls in the middle price-wise.
2. Lyft — Like Uber, Lyft’s basic options make it a cheaper option for ridesharing.
3. Curb — Curb taxis fall in the middle of the prices, making it an affordable option for short trips.
4. Taxi — A general taxi is the most expensive option, although Uber Black and Lyft Lux will cost more than a taxi.

For the most part, Uber and Lyft are the cheapest options in Grand Prairie (as long as you don’t choose the luxury rides). A good way to compare prices is to check ridesharing apps to see how much it will cost to get to your destination.

– EStar Repair Shops

Esurance’s program, EStar, helps drivers find the best repair shops in their neighborhood. Below, we’ve listed the top ten repair shops in Grand Prairie, according to EStar.

You may have noticed that only one repair shop is situated directly in Grand Prairie. The good news is that the other repair shops are very close, within 20 miles (and usually less than ten miles).

– Weather

The last thing you want to do is move to a state and end up hating the weather. That’s why we want to take a look at what Grand Prairie’s weather is like year-round.

Below is Grand Prairie’s annual weather information from U.S. Climate Data.

Grand Prairie is a little hotter than some other areas in Texas, which means it also receives less snowfall. With only an average of one inch of snow falling a year, Grand Prairie’s winters are fairly mild.

While snow is rare, Grand Prairie has had a number of natural disasters, as Dallas County has had a total of 19 natural disasters (higher than the national average of 13).

Dallas County’s number of natural disasters include the following: storms, hurricanes, floods, tornadoes, fires, winds, flash floods, and winter storms.

Some of these natural disasters have occurred more than others, as Dallas County has seen a number of storms but only one winter storm.

Because Grand Prairie does have a higher than the average number of natural disasters, it may be worth it to get comprehensive coverage on your car.

Comprehensive coverage will protect your vehicle when it’s damaged by something other than a collision with another car.

This means you will be covered for everything from vandalism to natural disasters.

– Public Transit

The nice thing about living in a city is that you can get away with not driving a car to get around town. Unfortunately, Grand Prairie does NOT have a public transit system.

It does have a Grand Connection transit system for qualifying residents that are over 60 or have mental/physical disabilities. There is also a park and ride on I-30 (east of the beltline).

While there isn’t public transit within Grand Prairie, you will be able to take public transit in nearby cities like Dallas.

– Alternate Transportation

Grand Prairie also lacks alternate transportation, such as rent-a-scooter or rent-a-bike.

Once again, though, these are available in the next city over in Dallas.

So if you want to experience alternate transportation methods like Lime or Bird, you can use them on a day trip out of Grand Prairie.

– Parking in Metro Areas

While there is metered street parking in Grand Prairie, there are public parking places where you can park for free in Grand Prairie. Garage parking is also an option in Grand Prairie, though you will have to pay to park.

There is also a park and ride on I-30, as we mentioned before. A few hotels in Grand Prairie also offer valet parking, though the rates can be expensive.

As for residential parking, you will need to make sure you follow the city’s regulations. These rules are fairly commonsense, such as not blocking the sidewalk or parking on yards.

– Air Quality in Grand Prairie

Do you how clean the air you breath is where you live? City air can sometimes be problematic, due to the higher number of vehicle emissions.

Car air pollutants can be detrimental to people’s health, which is why we want to take a close look at Grand Prairie’s air quality.

The data below is from an extensive air quality study by the Environmental Protection Agency. Let’s start by looking at the air quality for Dallas County, before moving on to Ellis and Tarrant Counties.

Dallas County had zero unhealthy days in 2016 and 2017, but in 2018 it experienced three unhealthy days. There has also been an increase in unhealthy days for sensitive groups over the years.

Let’s see if Ellis County is similar in air quality.

Ellis County’s air quality is better than Dallas County’s, but it too has seen a slight increase in unhealthy days for sensitive groups.

Finally, let’s take a look at Tarrant County’s air quality.

Tarrant County has had a few unhealthy days over the years, but not as many as Dallas County. Out of all three counties, Ellis County definitely has the best air quality.

If you are sensitive to bad air quality, you may want to live in the part of Grand Prairie that belongs to Ellis County.

Military and Veterans

If you are military personnel or a veteran moving to Grand Prairie, there are different factors that can affect your car insurance rates.

Luckily, these changes to car insurance are positive, such as military discounts. It can be confusing to know what companies provide these discounts, though, as well as what your eligible for.

So stick with us as we go through everything you need to know about the military in Grand Prairie, from the number of veterans to USSA availability.

– Veterans by Service Period

Let’s take a look at what the most common service periods are for veterans in Grand Prairie.

The most common service period in Grand Prairie is Vietnam veterans (2,574 veterans). There is also a small number of WWII veterans in Grand Prairie (89 veterans).

– Military Bases within an Hour

Now that we’ve focused on veterans, we want to take a look at active military near Grand Prairie.

The Naval Air Station Joint Reserve Base at Fort Worth is only about half an hour from Grand Prairie.

The base focuses on training and equipping aircrews and employs over 11,000 people. So if you are thinking of working at the Naval Air Station in Fort Worth, you could potentially commute from Grand Prairie.

– Military Discounts by Providers

A number of providers offer discounts to military personnel or veterans. Below is a list of known providers who offer military discounts, as well as the percentage saved (when known).

*USSA also has a military garaging discount.

Always ask a potential provider if they have military discounts, as some insurers that are local to Grand Prairie or Texas (that aren’t on our list of major insurers) may offer a discount.

– USAA Available in State

USAA, a provider that sells only to military personnel and their families, is available in Texas. USAA is known for its economical rates, and the table below shows USAA’s rates compared to other Texas providers.

USAA is nearly 60 percent cheaper than the Texas state average. If you are military personnel, you should definitely consider USAA as a provider.

Unique Grand Prairie Laws

Moving to a new city is overwhelming, and the last thing you need to worry about is a new city’s driving laws. Not knowing your local city’s laws can result in a traffic ticket to add to moving expenses.

To help you navigate some of Grand Prairie’s unique driving laws, we are going to go through everything from hands-free laws to parking laws.

Let’s get started.

– Hands-Free Law

In Texas, drivers are not allowed to text or use hand-held devices in certain areas. Below, you can see the details of Texas’s hands-free law.

Primary means law enforcement can ticket drivers just for texting (law enforcement doesn’t need another reason to pull you over). Grand Prairie enforces the texting and driving law by fining drivers up to $200.

Exceptions to the texting and driving law in Grand Prairie are as follows:

• The “Vehicle is stopped or out of moving lanes of the roadway (the driver must pull off the road
  and park in a safe place, such as a parking lot)”
• You are “Strictly engaging in a telephone conversation, including dialing or deactivating the call”
• You are using the cellphone “As a global positioning or navigation device (as long as it is hands-free)”
• You are “Communicating with an emergency response operator, fire department, law enforcement
  agency, hospital, physician’s office or health clinic”
• You have “Reasonable belief that a person’s life or safety is in immediate danger”
• You are using the cellphone “Solely in a voice-activated or hands-free mode”

Unless you meet one of these exceptions, you will be fined for texting and driving in Grand Prairie (as in the rest of Texas).

– Food Trucks

Nothing says city more than a food truck. If you are thinking of operating a food truck in Grand Prairie, you will need to make sure you are following the city’s ordinances.

You will need to attain food service permits, as well as follow parking laws.

For example, you can’t park your food truck near an intersection or block a mailbox. Your food truck will also need to be up to code and pass inspection.

Below are the costs of mobile food truck permits and inspection in Grand Prairie.

• $250 for a hot truck
• $200 for a cold truck
• $175 for an ice cream truck
• $10.00 for an additional ID photo
• $200 for an application fee for new permits

You can also contact a city department for more information about operating your food truck in Grand Prairie.

– Tiny Home

Tiny homes have taken off across the U.S. If you are thinking of owning a tiny home in Texas, you will need to follow Grand Prairie’s laws.

Generally, a tiny home falls under the same regulations as a mobile home.

This means you will need to park your tiny home in a mobile home park or apply to park it privately on land. If you park it on private land, generally it must pass inspection if you are planning on using it, such as connection to water and sewer.

– Parking Laws

It can be tempting to park illegally when parking is impossible to find, but the end result is usually a ticket. For example, it is illegal to park in the wrong direction.

This means that you can’t just whip into a spot on the other side of the street — you have to turn around first. If you aren’t facing the same way as traffic, you may be ticketed.

Wrong-way parking is dangerous, as you are pulling into oncoming traffic. To resist the temptation, consider reserving a spot at a parking garage.

This way, you can rest assured that there is parking available for you.

Grand Prairie Car Insurance FAQs

Since living and driving in cities can be confusing, and we’re sure you still have questions, we are going to go through commonly asked questions about Grand Prairie.

This way, you can feel confident that you are making the right choice about your future city.

– How Safe is Grand Prairie, Texas?

For the most part, Grand Prairie’s crime rates aren’t terrible. It’s safer than 20 percent of U.S. cities and has a low violent crime rate compared to other major Texas cities.

Grand Prairie’s vehicle theft has also declined since 2013, which is good news. If you want to be as safe as possible, though, make sure to pick a good neighborhood.

– Is Grand Prairie Affordable to Live in?

The cost of living in Grand Prarie isn’t bad at all. Grand Prairie’s property values are cheaper than the Texas average and are cheaper than closeby cities like Dallas and Fort Worth.

The average income of Grand Prairie residents is also higher than the state average, which is good news. Higher incomes, combined with cheaper homes, make Grand Prairie more affordable than most major Texas cities.

– What is there to do in Grand Prairie?

Grand Prairie has a variety of attractions to explore, from sporting events to its local lake. Grand Prairie also has a convenient location, as it is right by major Texas cities (Dallas and Fort Worth).

Because Grand Prairie is so close to these cities, there is always something to see or do.

– What do I need to do for Car Insurance when I move?

If you are new to Texas, then you will have to get a Texas driver’s license and register your car. You will also need to notify your current provider of your move so that it can change your coverages to meet Texas’s minimums.

If you are moving within Texas, you will still need to send updates to your provider, as rates change from city to city.

– What Happens if I’m in a Car Crash in Grand Prairie?

Texas is an at-fault state. This means that if you caused the crash, you will be held liable for accident costs, such as personal injury and property damage costs.

So if you are new to Texas, make sure you have the proper coverage in case of an accident.

We hope this guide proved useful to you.

Now that you’ve read our guide, you should be more than ready to live and drive in Grand Prairie.

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