Compare Rates and Save on Auto Insurance

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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceGrand Prairie
2023

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.

Company
Annual Premium
Monthly Premium

State Farm

$367

$31

Texas Farm Bureau

$379

$32

State Farm

$394

$33

Texas Farm Bureau

$437

$36

Mercury

$448

$37

Allstate

$456

$38

Allstate

$468

$39

State Farm

$482

$40

Mercury

$489

$41

AAA Texas

$524

$44

AAA Texas

$552

$46

Texas Farm Bureau

$559

$47

Nationwide

$565

$47

Allstate

$571

$48

Mercury

$583

$49

Nationwide

$592

$49

Progressive

$626

$52

GEICO

$628

$52

Progressive

$640

$53

Chubb

$651

$54

GEICO

$661

$55

AAA Texas

$673

$56

Chubb

$715

$60

State Farm

$719

$60

GEICO

$723

$60

National General

$730

$61

National General

$754

$63

Progressive

$755

$63

Foremost

$769

$64

State Farm

$791

$66

Nationwide

$800

$67

Texas Farm Bureau

$802

$67

Allstate

$876

$73

Foremost

$904

$75

National General

$926

$77

Nationwide

$929

$77

Allstate

$943

$79

Texas Farm Bureau

$971

$81

Mercury

$994

$83

State Farm

$1,015

$85

Mercury

$1,048

$87

Foremost

$1,057

$88

AAA Texas

$1,094

$91

AAA Texas

$1,105

$92

GEICO

$1,120

$93

Nationwide

$1,138

$95

GEICO

$1,141

$95

Texas Farm Bureau

$1,192

$99

Chubb

$1,255

$105

Allstate

$1,261

$105

Chubb

$1,269

$106

Dairyland

$1,280

$107

Dairyland

$1,327

$111

GEICO

$1,339

$112

Mercury

$1,361

$113

Nationwide

$1,378

$115

AAA Texas

$1,440

$120

Chubb

$1,458

$121

Progressive

$1,539

$128

Dairyland

$1,570

$131

National General

$1,583

$132

Foremost

$1,591

$133

Progressive

$1,602

$133

Foremost

$1,718

$143

National General

$1,728

$144

National General

$1,958

$163

Progressive

$2,005

$167

Dairyland

$2,087

$174

Foremost

$2,134

$178

Chubb

$2,288

$191

Dairyland

$2,312

$193

Dairyland

$2,826

$235

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.

Company
Annual Premium
Monthly Premium

State Farm

$367

$31

Texas Farm Bureau

$379

$32

State Farm

$394

$33

Texas Farm Bureau

$437

$36

Mercury

$448

$37

Allstate

$456

$38

Allstate

$468

$39

State Farm

$482

$40

Mercury

$489

$41

AAA Texas

$524

$44

AAA Texas

$552

$46

Texas Farm Bureau

$559

$47

Nationwide

$565

$47

Allstate

$571

$48

Mercury

$583

$49

Nationwide

$592

$49

Progressive

$626

$52

GEICO

$628

$52

Progressive

$640

$53

Chubb

$651

$54

GEICO

$661

$55

AAA Texas

$673

$56

Chubb

$715

$60

State Farm

$719

$60

GEICO

$723

$60

National General

$730

$61

National General

$754

$63

Progressive

$755

$63

Foremost

$769

$64

State Farm

$791

$66

Nationwide

$800

$67

Texas Farm Bureau

$802

$67

Allstate

$876

$73

Foremost

$904

$75

National General

$926

$77

Nationwide

$929

$77

Allstate

$943

$79

Texas Farm Bureau

$971

$81

Mercury

$994

$83

State Farm

$1,015

$85

Mercury

$1,048

$87

Foremost

$1,057

$88

AAA Texas

$1,094

$91

AAA Texas

$1,105

$92

GEICO

$1,120

$93

Nationwide

$1,138

$95

GEICO

$1,141

$95

Texas Farm Bureau

$1,192

$99

Chubb

$1,255

$105

Allstate

$1,261

$105

Chubb

$1,269

$106

Dairyland

$1,280

$107

Dairyland

$1,327

$111

GEICO

$1,339

$112

Mercury

$1,361

$113

Nationwide

$1,378

$115

AAA Texas

$1,440

$120

Chubb

$1,458

$121

Progressive

$1,539

$128

Dairyland

$1,570

$131

National General

$1,583

$132

Foremost

$1,591

$133

Progressive

$1,602

$133

Foremost

$1,718

$143

National General

$1,728

$144

National General

$1,958

$163

Progressive

$2,005

$167

Dairyland

$2,087

$174

Foremost

$2,134

$178

Chubb

$2,288

$191

Dairyland

$2,312

$193

Dairyland

$2,826

$235

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.

Company
Annual Premium
Monthly Premium

State Farm

$367

$31

Texas Farm Bureau

$379

$32

State Farm

$394

$33

Texas Farm Bureau

$437

$36

Allstate

$456

$38

Allstate

$468

$39

State Farm

$473

$39

State Farm

$482

$40

State Farm

$503

$42

Texas Farm Bureau

$559

$47

Allstate

$571

$48

State Farm

$600

$50

Mercury

$628

$52

Mercury

$645

$54

Nationwide

$670

$56

Progressive

$695

$58

Texas Farm Bureau

$695

$58

Nationwide

$697

$58

Chubb

$703

$59

AAA Texas

$704

$59

GEICO

$716

$60

State Farm

$719

$60

State Farm

$733

$61

AAA Texas

$742

$62

Texas Farm Bureau

$747

$62

Progressive

$751

$63

GEICO

$755

$63

Mercury

$757

$63

Progressive

$759

$63

State Farm

$763

$64

Mercury

$771

$64

Chubb

$772

$64

Allstate

$780

$65

GEICO

$788

$66

Mercury

$788

$66

State Farm

$791

$66

AAA Texas

$792

$66

Allstate

$801

$67

Texas Farm Bureau

$802

$67

Mercury

$821

$68

Progressive

$821

$68

National General

$829

$69

AAA Texas

$831

$69

Allstate

$833

$69

AAA Texas

$834

$69

National General

$840

$70

Progressive

$841

$70

National General

$854

$71

Allstate

$855

$71

State Farm

$861

$72

Foremost

$864

$72

Texas Farm Bureau

$869

$72

GEICO

$871

$73

National General

$874

$73

AAA Texas

$875

$73

Allstate

$876

$73

AAA Texas

$904

$75

Progressive

$905

$75

State Farm

$905

$75

Nationwide

$915

$76

Foremost

$923

$77

Allstate

$943

$79

GEICO

$944

$79

Nationwide

$945

$79

Mercury

$953

$79

Texas Farm Bureau

$960

$80

GEICO

$964

$80

Texas Farm Bureau

$971

$81

Chubb

$972

$81

Allstate

$979

$82

Nationwide

$981

$82

State Farm

$982

$82

Texas Farm Bureau

$1,005

$84

Progressive

$1,006

$84

State Farm

$1,015

$85

AAA Texas

$1,017

$85

Foremost

$1,025

$85

Allstate

$1,045

$87

National General

$1,050

$87

National General

$1,053

$88

AAA Texas

$1,066

$89

Chubb

$1,068

$89

Foremost

$1,104

$92

Progressive

$1,108

$92

GEICO

$1,129

$94

GEICO

$1,130

$94

Mercury

$1,132

$94

National General

$1,144

$95

Foremost

$1,157

$96

Progressive

$1,169

$97

Nationwide

$1,176

$98

Nationwide

$1,182

$98

Texas Farm Bureau

$1,192

$99

National General

$1,196

$100

Nationwide

$1,212

$101

Foremost

$1,215

$101

State Farm

$1,229

$102

GEICO

$1,238

$103

Nationwide

$1,240

$103

Mercury

$1,240

$103

Allstate

$1,261

$105

Chubb

$1,272

$106

Dairyland

$1,298

$108

Texas Farm Bureau

$1,312

$109

Nationwide

$1,328

$111

GEICO

$1,332

$111

GEICO

$1,332

$111

Dairyland

$1,345

$112

Chubb

$1,356

$113

Mercury

$1,363

$114

State Farm

$1,365

$114

National General

$1,370

$114

Chubb

$1,371

$114

Texas Farm Bureau

$1,384

$115

Chubb

$1,397

$116

Nationwide

$1,412

$118

AAA Texas

$1,433

$119

Allstate

$1,438

$120

Mercury

$1,441

$120

State Farm

$1,441

$120

AAA Texas

$1,443

$120

GEICO

$1,493

$124

Allstate

$1,518

$127

Allstate

$1,524

$127

Mercury

$1,553

$129

Nationwide

$1,570

$131

Chubb

$1,575

$131

Texas Farm Bureau

$1,589

$132

Nationwide

$1,590

$132

AAA Texas

$1,591

$133

Dairyland

$1,592

$133

AAA Texas

$1,599

$133

Texas Farm Bureau

$1,600

$133

Allstate

$1,605

$134

GEICO

$1,610

$134

GEICO

$1,646

$137

AAA Texas

$1,662

$138

AAA Texas

$1,668

$139

State Farm

$1,689

$141

Nationwide

$1,701

$142

Dairyland

$1,714

$143

Mercury

$1,715

$143

Mercury

$1,744

$145

GEICO

$1,800

$150

Progressive

$1,813

$151

Foremost

$1,814

$151

Mercury

$1,823

$152

Dairyland

$1,824

$152

Progressive

$1,831

$153

National General

$1,842

$153

Chubb

$1,875

$156

AAA Texas

$1,886

$157

Chubb

$1,897

$158

Dairyland

$1,904

$159

Texas Farm Bureau

$1,906

$159

Foremost

$1,935

$161

Dairyland

$1,953

$163

Foremost

$1,955

$163

National General

$1,961

$163

Progressive

$1,968

$164

Nationwide

$1,971

$164

Foremost

$1,971

$164

Texas Farm Bureau

$1,975

$165

Progressive

$1,995

$166

GEICO

$2,027

$169

Allstate

$2,040

$170

Mercury

$2,053

$171

National General

$2,059

$172

Dairyland

$2,066

$172

National General

$2,078

$173

Nationwide

$2,082

$174

AAA Texas

$2,094

$175

Dairyland

$2,106

$175

GEICO

$2,111

$176

GEICO

$2,117

$176

Foremost

$2,118

$177

Allstate

$2,151

$179

Chubb

$2,180

$182

Nationwide

$2,182

$182

AAA Texas

$2,186

$182

National General

$2,218

$185

Progressive

$2,233

$186

Dairyland

$2,256

$188

Foremost

$2,326

$194

Dairyland

$2,330

$194

Foremost

$2,363

$197

Progressive

$2,389

$199

Texas Farm Bureau

$2,400

$200

National General

$2,449

$204

Chubb

$2,456

$205

Foremost

$2,463

$205

Chubb

$2,473

$206

Chubb

$2,485

$207

Foremost

$2,486

$207

Progressive

$2,526

$210

Mercury

$2,527

$211

Mercury

$2,529

$211

National General

$2,544

$212

Nationwide

$2,602

$217

Progressive

$2,613

$218

National General

$2,758

$230

National General

$2,825

$235

Dairyland

$2,848

$237

Dairyland

$2,853

$238

Chubb

$2,856

$238

Dairyland

$2,899

$242

Progressive

$2,989

$249

Dairyland

$3,217

$268

Dairyland

$3,225

$269

Chubb

$3,423

$285

Dairyland

$3,427

$286

Dairyland

$3,591

$299

Foremost

$3,732

$311

Foremost

$4,379

$365

Foremost

$4,425

$369

Chubb

$4,483

$374

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$733

$3,437

State Farm

$854

$4,004

State Farm

$876

$4,674

State Farm

$920

$4,313

Nationwide

$1,091

$2,485

Nationwide

$1,104

$2,674

Nationwide

$1,153

$3,336

Nationwide

$1,222

$3,831

State Farm

$1,225

$4,128

Nationwide

$1,228

$2,797

Nationwide

$1,246

$3,123

Nationwide

$1,295

$2,949

Nationwide

$1,304

$3,160

Nationwide

$1,317

$3,573

State Farm

$1,342

$4,949

State Farm

$1,375

$4,635

Nationwide

$1,383

$3,351

State Farm

$1,453

$5,718

State Farm

$1,513

$5,099

Nationwide

$1,549

$5,436

Nationwide

$1,581

$6,390

State Farm

$1,610

$6,826

Nationwide

$1,616

$4,677

State Farm

$1,639

$6,044

Nationwide

$1,663

$6,909

State Farm

$1,682

$6,293

Allstate

$1,689

$2,271

Nationwide

$1,698

$6,865

Nationwide

$1,753

$6,953

Nationwide

$1,801

$8,088

Allstate

$1,819

$2,341

Nationwide

$1,820

$5,706

State Farm

$1,851

$7,750

Nationwide

$1,896

$8,750

GEICO

$1,911

$3,572

GEICO

$1,932

$4,311

GEICO

$1,936

$3,442

Nationwide

$1,937

$8,695

GEICO

$1,959

$3,661

GEICO

$1,963

$3,490

GEICO

$1,976

$4,308

State Farm

$2,001

$8,626

GEICO

$2,005

$3,934

State Farm

$2,016

$7,544

GEICO

$2,045

$3,822

GEICO

$2,048

$3,946

Allstate

$2,048

$2,754

State Farm

$2,058

$8,613

State Farm

$2,062

$9,537

GEICO

$2,071

$3,682

Allstate

$2,081

$3,232

Allstate

$2,184

$2,937

Progressive

$2,235

$3,475

State Farm

$2,240

$9,687

GEICO

$2,269

$5,774

GEICO

$2,288

$5,108

Progressive

$2,324

$5,693

Progressive

$2,326

$3,436

GEICO

$2,355

$5,880

Allstate

$2,389

$3,074

GEICO

$2,392

$5,214

Foremost

$2,423

$4,012

Allstate

$2,440

$3,762

GEICO

$2,461

$6,908

Allstate

$2,467

$3,667

State Farm

$2,486

$10,753

Foremost

$2,490

$3,451

State Farm

$2,494

$11,921

Progressive

$2,526

$6,163

GEICO

$2,564

$7,102

Foremost

$2,611

$3,618

Foremost

$2,622

$3,797

Allstate

$2,632

$3,388

Foremost

$2,645

$3,666

Progressive

$2,652

$3,918

Foremost

$2,677

$4,567

Foremost

$2,705

$3,623

Progressive

$2,707

$4,209

GEICO

$2,744

$7,701

Progressive

$2,778

$7,728

Progressive

$2,800

$4,933

GEICO

$2,819

$9,127

Progressive

$2,842

$5,334

Progressive

$2,855

$6,996

Progressive

$2,881

$4,257

Allstate

$2,884

$4,284

GEICO

$2,904

$8,042

Foremost

$2,908

$3,895

Foremost

$2,963

$4,294

GEICO

$2,984

$9,647

Progressive

$2,995

$4,656

Foremost

$3,032

$4,061

Progressive

$3,145

$8,821

Foremost

$3,198

$10,710

Allstate

$3,280

$5,936

Foremost

$3,289

$10,854

Progressive

$3,294

$8,036

Foremost

$3,333

$11,164

Allstate

$3,378

$5,021

Foremost

$3,460

$11,420

Progressive

$3,529

$15,861

Foremost

$3,547

$6,975

Foremost

$3,582

$7,066

Foremost

$3,774

$16,045

Allstate

$3,869

$7,027

Foremost

$3,926

$6,699

Progressive

$3,928

$17,800

Foremost

$3,931

$16,646

Progressive

$3,943

$18,488

Allstate

$3,992

$5,931

Foremost

$4,003

$6,628

Progressive

$4,188

$18,821

Progressive

$4,338

$20,408

Progressive

$4,583

$20,771

Allstate

$5,020

$7,155

Allstate

$5,902

$8,427

Allstate

$6,147

$8,760

Allstate

$6,656

$12,543

Allstate

$7,227

$10,318

Allstate

$7,833

$14,807

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.

Company
Annual Premium
Monthly Premium

State Farm

$367

$31

Texas Farm Bureau

$379

$32

State Farm

$394

$33

USAA

$415

$35

Texas Farm Bureau

$437

$36

USAA

$442

$37

Mercury

$448

$37

Allstate

$456

$38

Allstate

$468

$39

State Farm

$482

$40

Mercury

$489

$41

USAA

$499

$42

AAA Texas

$524

$44

AAA Texas

$552

$46

Texas Farm Bureau

$559

$47

Nationwide

$565

$47

Allstate

$571

$48

Mercury

$583

$49

Nationwide

$592

$49

Progressive

$626

$52

GEICO

$628

$52

Progressive

$640

$53

Chubb

$651

$54

GEICO

$661

$55

AAA Texas

$673

$56

Chubb

$715

$60

State Farm

$719

$60

GEICO

$723

$60

National General

$730

$61

National General

$754

$63

Progressive

$755

$63

Foremost

$769

$64

State Farm

$791

$66

Nationwide

$800

$67

Texas Farm Bureau

$802

$67

Allstate

$876

$73

USAA

$889

$74

USAA

$902

$75

Foremost

$904

$75

National General

$926

$77

Nationwide

$929

$77

Allstate

$943

$79

Texas Farm Bureau

$971

$81

Mercury

$994

$83

State Farm

$1,015

$85

Mercury

$1,048

$87

Foremost

$1,057

$88

AAA Texas

$1,094

$91

USAA

$1,098

$91

AAA Texas

$1,105

$92

GEICO

$1,120

$93

Nationwide

$1,138

$95

GEICO

$1,141

$95

Texas Farm Bureau

$1,192

$99

Chubb

$1,255

$105

Allstate

$1,261

$105

Chubb

$1,269

$106

Dairyland

$1,280

$107

Dairyland

$1,327

$111

GEICO

$1,339

$112

Mercury

$1,361

$113

Nationwide

$1,378

$115

AAA Texas

$1,440

$120

Chubb

$1,458

$121

Progressive

$1,539

$128

Dairyland

$1,570

$131

National General

$1,583

$132

Foremost

$1,591

$133

Progressive

$1,602

$133

Foremost

$1,718

$143

National General

$1,728

$144

National General

$1,958

$163

Progressive

$2,005

$167

Dairyland

$2,087

$174

Foremost

$2,134

$178

Chubb

$2,288

$191

Dairyland

$2,312

$193

Dairyland

$2,826

$235

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.

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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.

Texas Farm Bureau

pros

High customer service and affordability scores

Offers roadside assistance and rental car coverages

cons

Lacking in coverage options, such as accident forgiveness

Low rating in claims performance

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

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.

Chubb

pros

High scores in claims management and general satisfaction

Offers original equipment manufacturer (OEM) coverage

cons

Not the cheapest option

Limited coverage

COMPANY HIGHLIGHTS

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.

Texas Farm Bureau

pros

An affordable minimum coverage policy costs $437 per year

Offers multiple-car and safe driving discounts

Above-average scores in price and satisfaction

cons

No airbag, paperless or pay-in-full discounts

Limited coverage and below-average score in claims

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.