At $1,373 yearly, the average car insurance premium in Grand Prairie is $57 higher than the Texas state average. MoneyGeek analyzed various insurers and rated them based on coverage level and driver profile. The cheapest insurer in this city is Farmers, with an average rate of $839. For those looking for affordable rates with quality service, MoneyGeek has recommendations for the best insurers in Grand Prairie.
Compare the Cheapest Car Insurance Quotes in Grand Prairie, TX
The Cheapest and Best Car Insurance in Grand Prairie
The Cheapest Car Insurance Companies in Grand Prairie
For a car insurance policy offering full coverage in Grand Prairie, the following two companies are the most affordable:
- Farmers: $839 yearly
- USAA: $869 yearly (only serving current and former military members)
MoneyGeek used a sample profile for this data analysis. For this scenario, we gathered quotes for a 40-year-old male driver with a full coverage policy, including liability insurance and comprehensive and collision coverage.
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Average Cost of Car Insurance in Grand Prairie
The average cost of car insurance in Grand Prairie is $1,373 per year. This is quite similar to the state and national averages, with drivers in Grand Prairie paying just 4.3% more than the state average and 3.6% less than the national average.
The Best Car Insurance Companies in Grand Prairie
If you're a driver in Grand Prairie looking for an affordable insurance policy with quality service, MoneyGeek's ranking of the best insurance companies can help. Based on MoneyGeek’s scoring system, the following two companies are the best options:
- GEICO: MoneyGeek score of 85 out of 100
- State Farm: MoneyGeek score of 85 out of 100
USAA received the highest score in Grand Prairie by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To calculate the scores out of a possible 100, MoneyGeek evaluated several criteria, including J.D. Power’s user satisfaction, affordability and financial stability data.
Personalized Quotes to Get You the Cheapest Car Insurance in Grand Prairie
In Grand Prairie, car insurance companies evaluate premiums by assessing risk factors like age, driving history, the car’s make and model, ZIP code and coverage level. Your rates can change as your situation changes. The best way to get accurate rates is to regularly compare quotes from multiple providers and find out if you qualify for discounts and rebates.
Shopping around for car insurance in Grand Prairie could save you $534, which is enough to buy:
Cheapest Car Insurance in Grand Prairie by Coverage Amount
Whether you live in Grand Prairie or elsewhere, the amount of coverage you purchase is one of the major factors affecting your insurance rate. A state minimum liability plan covering bodily injuries and property damage costs an average of $686 yearly. In contrast, a full coverage policy with higher liability limits costs almost exactly twice as much on average.
Texas Minimum Liability Requirements
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Car insurance providers offer several different coverage levels. If you are looking for cheap car insurance in Grand Prairie, the most affordable option can be a state minimum liability plan from Farmers that costs $426 annually on average. However, it might be prudent to opt for additional coverage. A 50/100/50 liability-only or full-coverage plan includes $50,000 for medical bills per person with a limit of $100,000 per vehicle, along with $50,000 for property damage.
You can get coverage for your own expenses if you choose the full-coverage option, but this will cost more. For example, a 50/100/50 liability-only policy from State Farm costs an average of $563, while their full-coverage plan has an average cost of $844 per year.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Grand Prairie if You Have Driving Violations
If you are looking for cheap car insurance in Grand Prairie, a clean driving record can help. Premiums can increase substantially if you have tickets, at-fault accidents or DUIs on your record. For a driver with no violations, a policy from Farmers in Grand Prairie costs about $839. However, a driver with a speeding ticket would have to pay about $262 more. For a driver involved in an at-fault accident, the premium increases by about $355, while a DUI could add $397.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
Your location can have some impact on car insurance costs. The difference between the cheapest and most expensive neighborhoods in Grand Prairie for auto insurance costs is about $38. Drivers from ZIP code 75052 typically pay around $1,354 every year, while drivers from the 75050 area have an average annual premium of about $1,392.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Grand Prairie
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Grand Prairie. How Grand Prairie ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Grand Prairie are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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