The best insurer for you will depend on your needs and driver profile. For example, teen drivers will find the best rates at Nationwide, while drivers with a DUI will find the cheapest rates at State Farm. If you’re focused on getting the best service, consider Chubb. But if you want a balance between price and customer satisfaction, Texas Farm Bureau Group is a solid choice.
Cheapest and Best Car Insurance in Grand Prairie
Cheapest Minimum Liability Car Insurance in Grand Prairie
The following companies offer the cheapest minimum coverage policies in Grand Prairie:
- State Farm: $394 per year
- Texas Farm Bureau Group: $437 per year
Dairyland has the highest rates at $1,327 per year. As of October 2022, State Farm also offers the cheapest car insurance in Texas at about $300. The average state cost is lower than Grand Prairie's, illustrating how location can affect insurance prices.
In the state of Texas, a minimum coverage policy must include the following:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
The insurer will cover up to $30,000 of bodily injury liability per person and up to $60,000 per accident, regardless of how many persons are injured. All costs beyond that are the policyholder’s responsibility.
Cheapest Full Coverage Car Insurance in Grand Prairie
The following companies offer the cheapest full coverage car insurance in Grand Prairie:
- State Farm: $791 per year
- Allstate: $943 per year
Dairyland offers the most expensive full coverage policy at $2,312 per year. As of October 2022,State Farm also offers the cheapest full coverage can insurance in Texas at an average of $711 per year.
Full coverage policies include comprehensive and collision insurance.
- Collision Insurance: Pays to fix or replace your car if you are at fault in a collision with another vehicle or an object.
- Comprehensive Insurance: Pays to fix or replace your car if it’s by weather, vandalism, or theft.
A full coverage policy may not be worth the investment if you own an older car. The policy can sometimes cost more than the car is worth.
Cheapest Car Insurance in Grand Prairie After a Driving Offense
The following companies offer the cheapest car insurance for those with driving violations in Grand Prairie:
- Speeding ticket: State Farm ($791 per year)
- At-fault accident: State Farm ($982 per year)
- DUI: Mercury ($1,363 per year)
For comparison, Dairyland is the most expensive after a speeding ticket ($2,853 per year), Foremost after at-fault accidents ($3,732 per year, and Chubb after a DUI ($2,856 per year). If you have a bad driving record, even the cheapest rates will be higher than rates for safe drivers.
Note that insurance rates increase depending on the severity of the violation. In Grand Prairie, insurance rates for those with a DUI hover around $572 more than for those with a speeding ticket. Note that you can still find the cheapest car insurance for a poor driving record by shopping around.
Cheapest Car Insurance in Grand Prairie for Teens and Their Families
The cheapest car insurance companies for teens on a family policy in Grand Prairie are:
- Nationwide: $1,896 per year for male teens and $1,663 per year for female teens
- State Farm: $2,494 per year for male teens and $2,062 per year for female teens
Allstate offers the most expensive policy at $6,656 for females and $7,833 for males. Male teens are viewed as riskier to insure and pay higher rates. However, the gender difference drops off by early adulthood.
On average, a 16-year-old male pays $7,077 for his own insurance policy in Grand Prairie. In contrast, adding him to a family policy costs an average of $3,810. That's a difference of $3,267. Always shop around to find the cheapest car insurance for teens.
Cheapest Car Insurance in Grand Prairie for Military Drivers
The cheapest car insurance for military families in Grand Prairie are:
- State Farm: $791 per year
- USAA: $902 per year
State Farm offers the cheapest minimum insurance policies at $394 per year, followed by USAA at $415 per year.
How to Compare Cheap Grand Prairie Car Insurance Quotes Online
Getting a car insurance quote online in Grand Prairie, Texas, can take 15 minutes or more and may require entering a lot of personal information. MoneyGeek's car insurance calculator, on the other hand, can quickly give you a rough estimate based on your age, vehicle type, level of coverage and driving record.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Grand Prairie: Summary
The best car insurance for you depends on how much cost, service, coverage and other factors matter to you. Based on our scoring system, the best auto insurance companies in Grand Prairie are:
- Best overall: Texas Farm Bureau Group (MoneyGeek score 77 out of 100)
- Best for service: Chubb (MoneyGeek score 76 out of 100)
- Best cheap: Texas Farm Bureau Group (MoneyGeek score 79 out of 100)
A company's total MoneyGeek score can differ depending on the category. Texas Farm Bureau Group, the overall winner, also offers the best car insurance in Texas. With a MoneyGeek score of 82 out of 100, USAA is a good option for veterans.
Best Overall Car Insurance in Grand Prairie
The top auto insurance providers in Grand Prairie are:
- Texas Farm Bureau Group: MoneyGeek score 77 out of 100 ($971 per year)
- State Farm: MoneyGeek score 76 out of 100 ($791 per year)
High satisfaction and affordability scores set Texas Farm Bureau Group apart from the competition. Policyholders tend to be happy with their coverage and feel they're getting good value for their money.
High customer service and affordability scores
Offers roadside assistance and rental car coverages
Lacking in coverage options, such as accident forgiveness
Low rating in claims performance
Texas Farm Bureau Group's coverages may be few, but they are useful to most drivers. Its rental reimbursement coverage pays for a rental car while your vehicle is repaired due to a covered loss. It's an optional coverage, which you can tailor to your specific needs, including the length of time you need the rental and how much you're willing to spend on it. For example, if you're traveling for business and would like access to a car while yours is in the shop, you can purchase rental reimbursement coverage with a flexible limit.
The company also offers roadside assistance, which is useful if your car breaks down while you’re on the road. The service is available around the clock and covers up to $120 in emergency expenses incurred due to a disability.
Best Car Insurance in Grand Prairie for Customer Service
According to our evaluation criteria that exclude price, the Grand Prairie car insurance companies offering the best customer service are:
- Chubb: MoneyGeek score 76 out of 100 ($1,458 per year)
- Foremost: MoneyGeek score 67 out of 100 ($1,591 per year)
Chubb is particularly strong in claims handling and customer satisfaction, making it our top insurer in this category. However, it’s pricier than competitors, so policyholders pay more for better service with this company.
High scores in claims management and general satisfaction
Offers original equipment manufacturer (OEM) coverage
Not the cheapest option
Chubb offers OEM coverage, which pays to repair your vehicle using original equipment manufacturer parts and procedures. This means you can be confident your vehicle will be restored to its pre-accident condition so it performs properly in the event of a subsequent accident. Replacing parts with OEM components also helps protect against product liability issues, ensuring that all parts used in the repair are manufactured by the same company that made your car.
Chubb's optional Agreed Value coverage is also an innovative auto insurance option that provides a payout on your claim. You and Chubb mutually agree on the value of your car when the policy is drafted. In the event of a theft or total loss, Chubb will simply issue a check for the agreed-upon sum.
Best Cheap Car Insurance Companies in Grand Prairie
Grand Prairie's top-rated insurers, according to our research on price and quality of service for policies with the minimum coverage required by Texas law, are:
- Texas Farm Bureau Group: MoneyGeek score 79 out of 100 ($437 per year)
- State Farm: MoneyGeek score 78 out of 100 ($394 per year)
Remember that minimum coverage insurance policies in Grand Prairie provide limited liability protection and don’t cover damages to your car.
An affordable minimum coverage policy costs $437 per year
Offers multiple-car and safe driving discounts
Above-average scores in price and satisfaction
No airbag, paperless or pay-in-full discounts
Limited coverage and below-average score in claims
Texas Farm Bureau Group stands out from its rivals due to its high customer satisfaction and low prices. This could mean a win-win situation for those who want to avoid a trade-off between service and affordability. Policyholders can further reduce their costs through discounts such as bundling their auto insurance with other types under one single policy and staying claims-free for a certain period.
Rarer discounts such as anti-theft and defensive driving can also help you save money while remaining safe. The former gives a premium reduction if you have safety devices installed in your car, while the latter entitles those under 25 who complete an accredited driving education program to a discount.
Average Cost of Car Insurance in Grand Prairie
The average cost of full coverage auto insurance in Grand Prairie is $1,287 per year, slightly higher than the average cost of car insurance in other parts of Texas at $1,201. The average national car insurance rate is $1,265.
This cost is for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
About Mark Fitzpatrick