State Farm offers the lowest car insurance rates in Grand Prairie, with average annual premiums of $678 for minimum coverage and $1,468 for full coverage. Other affordable insurers in the city include Mercury, AAA and GEICO.
Car Insurance in Grand Prairie
Updated: August 11, 2025
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Key Takeaways
The cheapest car insurance companies in Grand Prairie are State Farm, AAA and GEICO, with savings up to 42% compared to the city average.
Grand Prairie car insurance costs average $197 per month for full coverage and $92 for minimum coverage.
To get the best cheap auto insurance in Grand Prairie, decide on coverage beforehand and compare quotes from multiple sources.
Who Has The Cheapest Car Insurance in Grand Prairie?
| State Farm | $57 | $122 | -42% |
| AAA | $80 | $161 | -21% |
| GEICO | $81 | $161 | -21% |
| Mercury | $79 | $167 | -20% |
| Progressive | $109 | $183 | -5% |
Compare The Cheapest Grand Prairie Car Insurance For You
Your car insurance rates depend heavily on your personal details and driving history. Check the table below to find the cheapest insurance company based on your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $152 | $1,829 | -48% |
| Germania Insurance | $192 | $2,307 | -34% |
| AAA | $228 | $2,736 | -22% |
| Geico | $249 | $2,986 | -15% |
| Farmers | $292 | $3,502 | 0% |
Cheapest Car Insurance by Age Group in Grand Prairie
Car insurance prices in Grand Prairie vary significantly by age. Based on our research, here's who offers the lowest rates for each age group:
- Cheapest Car Insurance for Young Drivers (16 to 25): State Farm at $130 per month
- Cheapest Car Insurance for Adults (26 to 64): State Farm at $57 per month
- Cheapest Car Insurance for Seniors (65+): State Farm at $66 per month
Cheapest Car Insurance for Young Drivers in Grand Prairie
State Farm and GEICO provide the most affordable car insurance options for young drivers in Grand Prairie, with monthly premiums starting at $130 and $145 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $130 | $1,556 | -44% |
| Geico | $145 | $1,742 | -37% |
| AAA | $182 | $2,184 | -21% |
| Germania Insurance | $218 | $2,612 | -5% |
| Farmers | $227 | $2,722 | -1% |
Cheapest Car Insurance for Adult Drivers in Grand Prairie
In Grand Prairie, State Farm provides the lowest rates for adult drivers (26 to 64), saving drivers around 42% on average. AAA and GEICO are also among the most affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $57 | $678 | -42% |
| Mercury | $79 | $944 | -19% |
| AAA | $80 | $958 | -18% |
| Geico | $81 | $968 | -17% |
| Farmers | $97 | $1,160 | -1% |
Cheapest Car Insurance for Senior Drivers in Grand Prairie
For seniors in Grand Prairie, State Farm provides the lowest rates for both coverage types. Minimum coverage costs $66 per month ($793 annually), while full coverage runs $138 monthly ($1,662 per year).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $66 | $793 | -47% |
| Geico | $108 | $1,292 | -14% |
| AAA | $108 | $1,298 | -13% |
| Germania Insurance | $112 | $1,346 | -10% |
| Dairyland | $144 | $1,730 | 15% |
Cheapest Car Insurance for High-Risk Drivers in Grand Prairie
If you have a high-risk profile, these insurance companies offer the lowest rates in Grand Prairie:
- Cheapest for Bad Credit: GEICO (from $117 per month)
- Cheapest With a DUI: State Farm (from $92 per month)
- Cheapest With an Accident: State Farm (from $67 per month)
- Cheapest With a Speeding Ticket: State Farm (from $57 per month)
Cheapest Car Insurance for Bad Credit in Grand Prairie
GEICO offers the cheapest car insurance for bad credit drivers in Grand Prairie, with monthly rates starting at $117 for minimum coverage and $268 for full coverage. Both affordable options come from the same provider, making comparing and choosing protection for your budget easier.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Geico | $117 | $1,400 | -47% |
| Allstate | $156 | $1,876 | -29% |
| Dairyland | $166 | $1,993 | -24% |
| Chubb | $170 | $2,046 | -22% |
| Germania Insurance | $176 | $2,109 | -20% |
Cheapest Car Insurance With a DUI in Grand Prairie
State Farm offers the cheapest car insurance for Grand Prairie drivers with a DUI. You'll save 40% on minimum coverage and 39% on full coverage compared to typical city rates.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $92 | $1,109 | -40% |
| Mercury | $107 | $1,288 | -30% |
| Farmers | $110 | $1,317 | -28% |
| AAA | $124 | $1,494 | -19% |
| Progressive | $125 | $1,499 | -19% |
Cheapest Car Insurance With an Accident in Grand Prairie
State Farm has the lowest car insurance rates in Grand Prairie for drivers with an accident, with premiums starting at $67 per month. Their rates are 52% below the city average for accident coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $67 | $803 | -52% |
| Farmers | $102 | $1,220 | -26% |
| Germania Insurance | $107 | $1,282 | -23% |
| Geico | $113 | $1,354 | -18% |
| AAA | $117 | $1,406 | -15% |
Cheapest Car Insurance With a Speeding Ticket in Grand Prairie
State Farm offers the cheapest car insurance for Grand Prairie drivers with speeding tickets. Their minimum liability coverage costs about $57 per month, while full coverage runs around $122 monthly.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $57 | $678 | -51% |
| Geico | $94 | $1,124 | -19% |
| Germania Insurance | $105 | $1,263 | -9% |
| AAA | $106 | $1,266 | -9% |
| Mercury | $110 | $1,318 | -5% |
Best Car Insurance Companies in Grand Prairie
In Grand Prairie, the top car insurance companies are State Farm, Mercury, AAA, Progressive and GEICO. These insurers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| Mercury | 90 | 4 | 5 | 4 |
| AAA | 90 | 2 | 4 | 6 |
| Progressive | 90 | 5 | 2 | 2 |
| GEICO | 89 | 3 | 6 | 6 |
State Farm: Best Cheap Overall
pros
Strong customer service ratings
Multiple driver discounts available
Excellent claims handling process
cons
Limited add-on coverage options
COMPANY HIGHLIGHTS
State Farm ranks as Grand Prairie's top car insurance provider, offering rates well below the city average. The company stands out for its exceptional customer service and efficient claims process. State Farm proves particularly affordable for most driver categories, including seniors, young drivers, and those with accidents on their record.
Mercury: Best Balanced Coverage
pros
Competitive rates for most drivers
Strong coverage options
Easy claims process
cons
Fewer discounts than competitors
COMPANY HIGHLIGHTS
Mercury earns the second spot in Grand Prairie with its well-rounded coverage options and competitive rates. The company offers premiums below the city average while maintaining solid customer service standards. Mercury's strength lies in its comprehensive coverage options, making it a smart choice for drivers wanting robust protection.
How Much Is Car Insurance in Grand Prairie?
In Grand Prairie, minimum coverage costs about $92 per month or $1,100 per year, ranking 1,448th out of all Texas cities for affordability. Full coverage averages $197 monthly or $2,362 annually, ranking 1,322nd among Texas cities.
| Full Coverage | $197 | $2,362 |
| Minimum Coverage | $92 | $1,100 |
Compare Personalized Grand Prairie Car Insurance Costs
Filter Grand Prairie car insurance rates by your age, driving record and other personal factors to find prices that match your exact profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $289 | $3,467 | 34% |
Grand Prairie Car Insurance Costs by ZIP Code
In Grand Prairie, car insurance rates by ZIP code range from $71 to $229 per month. ZIP code 75051 is the most expensive, while 75054 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:75051
| 75051 | $113 | $229 |
How to Get the Best Cheap Grand Prairie Car Insurance
Car insurance rates in Grand Prairie run higher than many Texas cities, and sorting through coverage options can feel overwhelming. Our step-by-step guide shows you exactly how to find affordable coverage that fits your needs.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your Grand Prairie driving situation. Use our car insurance coverage needs calculator to evaluate your vehicle's value, assets to protect and risk tolerance.
- 2
Explore alternative coverage types
Look into specialized types of car insurance that might better fit your needs. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? A non-owner policy could be your best option.
- 3
Know the local price range
Research average vehicle insurance costs in Grand Prairie to set realistic expectations. Understanding typical rates for your age group, vehicle type and location helps you recognize genuinely competitive quotes and avoid overpaying.
- 4
Maximize available discounts
Explore every car insurance discount opportunity. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, defensive driving courses and good student discounts can significantly reduce your premium.
- 5
Check insurer reputation and service
Research insurance companies' customer service ratings and claims satisfaction scores in Texas. Look for providers with strong financial stability and positive reviews from Grand Prairie customers. A lower premium isn't worth it if the company provides poor service.
- 6
Get quotes from multiple providers
Contact at least three different insurance providers for quotes. Use a mix of national carriers and local Texas insurers. Compare identical coverage levels across all quotes to ensure you're making fair comparisons.
- 7
Review coverage annually
Set a yearly reminder to review your policy and shop for better rates. Insurance companies regularly adjust their pricing, and your circumstances may change. Stay proactive about finding the best deals in Grand Prairie.
Cheapest Car Insurance in Grand Prairie: Bottom Line
Your car insurance rates in Grand Prairie depend on your age, driving record and credit score. While State Farm and AAA offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.
Cheap Grand Prairie Car Insurance: FAQ
Find straightforward answers about affordable car insurance in Grand Prairie. We'll help you understand coverage options and get the cheapest rates that fit your needs.
What is the cheapest car insurance company in Grand Prairie, Texas?
State Farm offers the lowest rates in Grand Prairie, with average annual premiums of $678 for minimum coverage and $1,468 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Grand Prairie?
State Farm leads Grand Prairie's insurance providers with a MoneyGeek score of 95 out of 100, scoring five points higher than Mercury. The company excels in both affordability and customer service.
What is the average cost of car insurance in Grand Prairie?
In Grand Prairie, drivers pay $2,362 for full coverage and $1,100 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Grand Prairie expensive?
Car insurance in Grand Prairie costs more than average, ranking 1,448th for minimum coverage affordability and 1,322nd for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Grand Prairie, TX
To help Grand Prairie drivers find the most affordable auto insurance companies, MoneyGeek analyzed Grand Prairie auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Grand Prairie and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Grand Prairie Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Grand Prairie with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Grand Prairie
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Grand Prairie based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.