Cheapest Car Insurance in Grand Prairie, TX (2025)

Grand Prairie drivers pay an average of $1,104 per year for minimum coverage and $2,364 per year for full coverage. This city has some of Texas's highest rates due to high population density, heavy traffic in the Dallas-Fort Worth metro area and elevated crime rates. 

• Cheapest minimum liability coverage: State Farm has Grand Prairie's cheapest minimum coverage at $678 per year ($57 monthly). That's 38% lower than the city average of $1,104, saving you $426 annually. Mercury ranks second for minimum coverage at $944 per year ($79 monthly), a 14% savings compared to the city average.
• Cheapest full coverage: State Farm offers the lowest full coverage at $1,468 per year ($122 monthly), 37% below the city average of $2,364. That's $896 in annual savings. GEICO's full coverage costs $1,932 per year ($161 monthly), which is still 18% below the city average but $464 more than State Farm's annual cost.

Young drivers in Grand Prairie have the highest car insurance costs, while adults and seniors enjoy more affordable options. Here are the most budget-friendly insurers by age group:

• Adults: State Farm and Mercury have the lowest monthly costs
• Seniors: State Farm and GEICO
• Young drivers: State Farm and GEICO provide the best value 

State Farm helps young drivers cut costs through its Good Student Discount, offering up to 25% savings for maintaining a B average until the age of 25. Its Steer Clear program provides interactive training for an additional 15% discount. GEICO's Prime Time contract benefits drivers 50 and older with guaranteed policy renewal, plus defensive driving course discounts.

Car insurance is more expensive if you have driving violations. Here are your cheapest car insurance options in Grand Prairie by violation type: 

• Accident: State Farm at $66 and Farmers at $101 monthly
• Ticket: State Farm at $56 and GEICO at $93 monthly
• DUI: State Farm at $92 and Mercury at $107 monthly

Minor violations in Texas stay on your record for three years, and rates decrease after this period.

Grand Prairie drivers see different car insurance costs depending on their neighborhood. ZIP code 75054 offers the most affordable full coverage at $165 monthly, while residents in 75051 pay the highest rates at $229 monthly. Check the table below to find exact car insurance costs for your specific Grand Prairie ZIP code.

State Farm earned 94 out of 100 on MoneyGeek's rating scale, securing the top spot for car insurance in Grand Prairie. Mercury follows closely with a solid 90 out of 100 score.

State Farm dominates in affordability and customer experience. We based our evaluation on agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews.

Mercury excels in coverage options, earning high marks for the number of standard and specialty coverages available, plus unique add-ons. 

See below for why each insurer is best and which fits your needs.

Grand Prairie residents have high auto insurance costs among the highest in Texas. Shop around, secure lower premiums and select appropriate coverage:

Get answers to common questions about finding affordable car insurance in Grand Prairie:

Grand Prairie drivers pay some of Texas's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Texas Department of Insurance and Quadrant Information Services. Our research covered all Grand Prairie ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. The analysis was complicated by Grand Prairie's specific risks including severe weather like hailstorms and tornadoes, above-average crime rates with higher vehicle theft, and dense traffic from its Dallas-Fort Worth Metroplex location leading to more accidents.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Texas's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hail damage claims or handling hit-and-run accidents.

Coverage options (10%): More choices mean better odds of matching coverage to Grand Prairie risks like storm damage, uninsured motorists and theft in high-risk areas.