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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Last Updated: 7/30/2022
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In Grand Prairie, Farmers is the cheapest car insurer for most drivers. Farmers is also cheapest for minimum coverage, but State Farm has the best rates for drivers with speeding tickets. USAA is another affordable car insurance option if you are a member of the military. Overall, GEICO is the best insurer in Grand Prairie based on a balance of affordability and quality of customer service.

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The Cheapest and Best Car Insurance in Grand Prairie

The Cheapest Car Insurance Companies in Grand Prairie

The most affordable companies for full coverage in Grand Prairie are:

  • Farmers: $839 per year
  • State Farm: $929 per year

For those in the military and their families, USAA is the second cheapest option for full coverage at $869. The General is the most expensive insurer in Grand Prairie at $2,996, which is 257% more than the price of a full coverage policy from Farmers.

When you purchase a full coverage policy, you get both comprehensive and collision insurance in addition to liability coverage. However, the cost of your policy may vary based on the liability coverage you choose.

Cheapest Car Insurance in Grand Prairie
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Farmers
    $839
  • 2.
    USAA
    $869
  • 3.
    State Farm
    $929
  • 4.
    GEICO
    $1,052
  • 5.
    AAA
    $1,144
  • 6.
    Allstate
    $1,190
  • 7.
    Esurance
    $1,235
  • 8.
    Nationwide
    $1,249
  • 9.
    Mercury
    $1,507
  • 10.
    MetLife
    $1,593
  • 11.
    The General
    $2,996

Rates in this study are based on quotes for a 40-year-old male driver in Grand Prairie with a full coverage policy as described in MoneyGeek’s methodology.

Premiums for a full coverage policy in Grand Prairie are higher compared to rates for minimum coverage, but this is because full coverage includes:

  • Comprehensive coverage: to insure you against risks other than those that occur in collisions, such as theft, fire or damage from weather events.
  • Collision coverage: to insure you for damage to your car sustained in a collision.

Depending on the age and value of your car, you may find that the cost of full coverage is too high. In such cases, you may be better off with a liability-only policy.

Compare Car Insurance Rates in Grand Prairie

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Grand Prairie for Minimum Coverage

Grand Prairie drivers looking for the cheapest car insurance should consider a state minimum policy as it is the most affordable option. The cheapest auto insurance companies for a state minimum policy in Grand Prairie are:

  • Farmers: $426 per year
  • State Farm: $501 per year

If you are a service member, you may qualify for a USAA policy. It’s the second cheapest insurer for minimum coverage in the city at $421 per year.

Opting for a state minimum policy means you pay lower rates, but the trade-off is that you are not fully protected since it lacks both comprehensive and collision coverage.

To find out how much higher liability coverage costs, see the table below.

Cheapest Minimum Liability Car Insurance in Grand Prairie
State Minimum

A state minimum policy in Grand Prairie only provides the minimum liability limits of 30/60/25 required by Texas car insurance laws. This means that while your monthly premiums will be low, you risk having high out-of-pocket costs if you’re in an accident.

For example, if your policy carries only $25,000 in property damage, but the property damage exceeds this limit, you will be responsible for paying the extra cost yourself.

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.

Cheapest Car Insurance in Grand Prairie if You Have Driving Violations

Driving violations, like at-fault accidents, DUIs and speeding tickets, can increase the cost of your annual car insurance premiums. Sometimes that increase can be significant. The most affordable insurers for drivers with violations in Grand Prairie are:

  • Cheapest after a ticket: State Farm, $929 per year
  • Cheapest after an at-fault accident: State Farm, $1,118 per year
  • Cheapest after a DUI: Esurance, $1,235 per year

The best way to lower your car insurance premiums is to maintain a good driving record, but that takes time. When you already have violations on your record, try comparing quotes to find the most affordable insurers for drivers with traffic violations.

Cheapest Car Insurance in Grand Prairie With a Violation
Speeding Ticket

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.

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 auto insurance providers and find out if you qualify for discounts and rebates.

Compare Car Insurance Rates in Grand Prairie

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Grand Prairie

MoneyGeek based its assessment of the best auto insurance companies in Grand Prairie on a thorough examination of each insurer's average rates, claims and customer satisfaction scores. The top auto insurance companies in Grand Prairie based on these criteria are:

  • State Farm: MoneyGeek score of 94.2 out of 100
  • Farmers: MoneyGeek score of 93 out of 100

Because USAA provides vehicle insurance only to military personnel and their families, we did not include it in this MoneyGeek analysis. However, with a score of 95.6, USAA is the best car insurance company in Grand Prairie for military personnel.


1
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm is the best auto insurance provider in Grand Prairie, thanks to its perfect financial stability rating and outstanding user claim and customer satisfaction rankings. State Farm provides full auto insurance in Grand Prairie for an annual average cost of $929. In addition, State Farm policyholders can add ridesharing insurance, a unique coverage, to their basic auto insurance policy.

More About State Farm

State Farm ranks as the best full coverage car insurance company in Grand Prairie due to its outstanding scores across all MoneyGeek rating categories. In addition to standard auto insurance policies, the insurance firm offers roadside assistance, rental car reimbursement and ridesharing coverages. State Farm's rideshare policy is the company’s most distinctive coverage, setting the firm apart from the rest. With this protection, your personal auto insurance policy remains in effect while you drive for a rideshare company.

Read MoneyGeek's State Farm auto Insurance Review
2
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

Geek Quick Take
Geek Quick Take

Farmers achieved exceptional user claims, user satisfaction and financial stability MoneyGeek scores. A full coverage policy for a Grand Prairie driver aged 40 costs an average of $839 per year. Farmers offers three unique coverages, including custom parts coverage, which pays to repair or replace aftermarket car equipment.

More About Farmers

Farmers offers three unique add-on coverage options. For instance, coverage for custom car parts pays to repair or replace aftermarket equipment, such as custom wheels and infotainment systems. Additionally, Farmers provides OEM coverage and glass deductible modification coverage. The first pays for the use of factory-original parts in insured repairs for automobiles up to 10 years old. The second lowers the comprehensive deductible to $100 whenever the loss is restricted to windows.

Read MoneyGeek's Farmers auto Insurance Review

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
rain icon
Most Annual Rainfall142nd/300
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Most Rainy Days190th/300

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.