Compare the Cheapest Car Insurance Quotes in Grand Prairie, TX

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.

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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

Grand Prairie$1,373
Texas$1,316
U.S.$1,424

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.

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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.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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:


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178Cups of Coffee
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41Months of Your Favorite Streaming Service

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

  • Item
    Description
  • 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

Liability Only
Full Coverage
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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.

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 Code
    State Minimumper year
  • 75052
    $1,354
  • 75050
    $1,392

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.

accident2 icon
Most Accidents With Fatalities194th/300
handcuffs2 icon
Most Car Thefts144th/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall142nd/300
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Most Rainy Days190th/300

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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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.