Cheapest Auto Insurance in Grand Prairie, Texas (2024)
State Farm offers the most affordable car insurance in Grand Prairie, with liability rates of $41 per month.
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Updated November 21, 2024
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Table of contents
Grand Prairie is home to more than 175,000 people and sits between Dallas and Fort Worth. The city’s proximity to Dallas and Fort Worth means it has plenty of drivers on the road, which typically leads to slightly higher auto insurance rates.
The average rate for car insurance coverage in Grand Prairie is $200 per month, compared to the Texas state average of $181 per month. However, your rates could be lower depending on the choices you make.
Comparing car insurance quotes from multiple companies can help Grand Prairie drivers save.
Quick Facts
Full-coverage car insurance costs an average of $269 per month in Grand Prairie; liability averages $132 per month.
Texas allows insurers to review your credit history before assigning rates.
Grand Prairie recorded 3,294 motor vehicle accidents in 2022, according to Texas Department of Transportation data.[1]
Cheapest car insurance companies in Grand Prairie
Your ideal insurance policy is one that best matches your unique needs and situation, all at a rate you can afford. That’s why it’s important to compare quotes from several insurers. This process allows you to see how each company’s plan differs and identify areas where you can save money.
As you begin this process, keep these leading insurers in mind.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $69 | $37 | Low rates |
| GEICO | 9.0 | $75 | $40 | Discounts |
| Allstate | 8.9 | $98 | $53 | Bundling |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $41/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $76/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has grown from a one-person operation selling insurance inside farm bureaus to one of the largest insurance companies in the United States. It has also expanded its services to include financial products alongside insurance products. State Farm’s growth is due to many things, including its customer service and its ability to offer low rates in communities like Grand Prairie.
Pros
Offers coverage for rideshare vehicles and drivers
Drivers can access their policies via mobile app
Cons
Charges higher rates for people with incidents on their records
Doesn’t offer gap insurance
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $44/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $83/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO is the third-largest auto insurance company in the United States. Founded in 1936 by Leo and Lilian Goodwin, GEICO initially focused on providing insurance to government employees. Today, GEICO holds more than 17 million policies on more than 28 million vehicles.
GEICO was the first company to allow customers to purchase insurance policies on a mobile format and operates in all 50 states as of 2009. GEICO offers drivers several discounts, including for safe driving, good students, multi-vehicle, multi-policy, being a member of the military, being a federal employee, and more.
Pros
Offers competitive rates compared to other companies
Industry-leading mobile app
Cons
Doesn’t offer bundling of life insurance and auto insurance policies
Doesn’t offer rideshare insurance or gap insurance products
Best insurer for bundling: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $59/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate opened its doors at the height of the Great Depression in 1931. In the first decade, the company had more than 100,000 customers. Today, Allstate offers a range of products, including auto, homeowners, business, and pet insurance, allowing you to bundle policies like home and auto, renters and auto, or renters and motorcycle insurance to save even more.
Pros
Offers both traditional and pay-per-mile insurance options
Has an A+ rating from AM Best
Cons
Low customer satisfaction scores
Average rates compared to other insurers
How to get the cheapest car insurance in Grand Prairie
As you look for a new policy, you should know your insurance company will consider your age, driving history, miles driven per year, where you live, and more when setting your rates. While some of these factors are out of your control, you can do some things to secure the lowest rates possible, including:
Compare the cost of full-coverage and state-minimum policies. The price difference may not be large, and you could have extra coverage for a few dollars more per month.
Combine your renters insurance and auto policy. You can also get a discount by bundling your home and auto or multiple vehicle policies.
Don’t just look at the premium cost. You should compare the different rates of the policies and the coverage options at multiple insurance companies. Don’t forget to check discount options and customer service ratings.
Consider paying your insurance twice per year. You can save money with a lump sum payment for your policy every six months.
Find Cheap Car Insurance in Grand Prairie
Rates start at $41 per month for liability policies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Grand Prairie: State Farm
Liability policies pay for property damages and medical care for the other parties in an accident you cause. In Texas, these policies don’t protect your vehicle. As such, they’re generally the most affordable insurance policy type.
The average rate for liability-only coverage in Grand Prairie is $132 per month, and you can see a collection of quotes offered by top insurers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $41 |
| GEICO | $44 |
| Allstate | $59 |
| Mile Auto | $63 |
| USAA | $73 |
| Nationwide | $93 |
| Mercury | $96 |
| Progressive | $112 |
| Safeco | $113 |
| Dairyland | $119 |
| Chubb | $125 |
| Clearcover | $137 |
| National General | $137 |
| 21st Century | $144 |
| Direct Auto | $145 |
| The General | $145 |
| Bristol West | $150 |
| Commonwealth Casualty | $151 |
| Elephant | $160 |
| GAINSCO | $185 |
| Liberty Mutual | $220 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Grand Prairie: State Farm
Full-coverage auto insurance offers more protection than liability insurance. In addition to covering damages to the other party in a car accident, full coverage provides additional financial protection for you, your passengers, and your property.
The state of Texas requires liability coverage, but full coverage is optional. However, if you lease or finance your vehicle, the leasing company or lender will likely require you to have full coverage.
The average rate for full coverage in Grand Prairie is $269 per month. The table below lists insurance companies with the lowest quotes for full-coverage policies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $76 |
| GEICO | $83 |
| Allstate | $107 |
| Mile Auto | $128 |
| USAA | $136 |
| Mercury | $165 |
| Nationwide | $170 |
| Progressive | $193 |
| Safeco | $200 |
| Clearcover | $204 |
| Chubb | $230 |
| Elephant | $263 |
| 21st Century | $266 |
| Direct Auto | $277 |
| National General | $283 |
| Dairyland | $309 |
| The General | $316 |
| Bristol West | $320 |
| Liberty Mutual | $362 |
| GAINSCO | $392 |
| Commonwealth Casualty | $418 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Grand Prairie, Texas
Drivers using Insurify have found quotes as cheap as $37/mo for liability only and $57/mo for full coverage in Grand Prairie and other Texas cities.
*Quotes generated for Insurify users in and around Grand Prairie, Texas within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Grand Prairie, Texas within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
Texas is an at-fault state, meaning drivers are responsible for paying for accidents they cause. Drivers without insurance face a fine between $175 and $350, plus an annual surcharge of $350 each year for three years.[2] Drivers with multiple infractions for not having insurance face fines of up to $1,000. Drivers with repeat offenses may also be required to provide proof of coverage. Failure to comply could result in up to six months in jail.
The chart below outlines the minimum coverage requirements your insurance must meet for you to drive legally in Texas.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 |
While the chart above outlines the state-required insurance minimums, you can always improve your coverage with optional policies like the following:
Collision coverage
Collision coverage pays for damages to your vehicle if it’s in a car accident. Collision is a central component of a full-coverage policy.
Comprehensive coverage
Comprehensive coverage pays for damages resulting from fire, storms, theft, or vandalism, among other things. This coverage is also part of a full-coverage policy.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for property damage and medical treatment that isn’t covered because the at-fault driver has no insurance or not enough insurance. In addition, this type of coverage may pay for lost wages and pain and suffering.
Personal injury protection coverage
Personal injury protection pays for medical bills and up to 80% of your lost income, plus the cost of a caregiver if necessary. All Texas auto policies include a minimum of $2,500 in PIP unless you opt out in writing.
Roadside assistance coverage
Roadside assistance and towing covers the cost of towing your vehicle to a repair shop, changing a flat tire, and other roadside emergencies.
Cheapest car insurance for drivers with an incident
Car insurance companies may charge higher rates for drivers with moving violations on their records. Incidents typically refer to at-fault accidents, speeding tickets, moving violations, and DUIs. Insurers view these incidents as an indication of future risky behavior, and you can see how each incident type affects average quotes in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| State Farm | $41 | $52 | $55 | $68 |
| GEICO | $44 | $56 | $60 | $73 |
| Allstate | $59 | $76 | $80 | $97 |
| Mile Auto | $63 | $81 | $88 | $104 |
| USAA | $73 | $93 | $99 | $120 |
| Nationwide | $93 | $120 | $128 | $153 |
| Mercury | $96 | $132 | $140 | $146 |
| Progressive | $112 | $142 | $153 | $185 |
| Safeco | $113 | $147 | $152 | $173 |
| Dairyland | $119 | $152 | $160 | $196 |
| Chubb | $125 | $162 | $171 | $206 |
| Clearcover | $137 | $177 | $200 | $226 |
| National General | $137 | $176 | $186 | $226 |
| 21st Century | $144 | $191 | $201 | $237 |
| Direct Auto | $145 | $186 | $201 | $239 |
| The General | $145 | $189 | $201 | $239 |
| Bristol West | $150 | $193 | $204 | $247 |
| Commonwealth Casualty | $151 | $208 | $201 | $249 |
| Elephant | $160 | $221 | $213 | $264 |
| GAINSCO | $185 | $255 | $241 | $305 |
| Liberty Mutual | $220 | $303 | $319 | $363 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
A driver’s age is another major factor affecting how insurance companies set rates. Teen drivers pay some of the highest rates because they’re at the highest risk of accidents that result in injuries and deaths, according to the CDC.[3]
Insurance rates typically drop for drivers around age 35 before rising again around age 70. This is to account for increased risks that come with age, including physical limitations and medical issues.
The table below showcases how auto insurance quotes vary based on a driver’s age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $441 |
| 20s | $306 |
| 30s | $225 |
| 40s | $201 |
| 50s | $176 |
| 60s | $165 |
| 70s | $179 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Grand Prairie
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
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Grand Prairie car insurance quotes by credit tier
Texas law allows insurance companies to consider a driver’s credit history when setting rates for car insurance. However, the state has mandates that prevent a company from refusing coverage based only on your credit.
Insurance companies use your credit report to create an insurance score. Drivers with excellent or good credit qualify for lower rates and discounts. Insurance companies view drivers with poor credit as a higher risk and charge them higher premiums.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Grand Prairie car insurance FAQs
Looking for more information to help you secure the lowest car insurance rates in Grand Prairie? Consult the answers below.
How much is car insurance in Grand Prairie?
The average rate for car insurance in Grand Prairie is $200 per month. The average rate for liability-only coverage is $132, and the average rate for full coverage is $269 per month.
Who has the cheapest car insurance in Grand Prairie?
State Farm offers the most affordable car insurance in Grand Prairie, with a rate of $41 per month. GEICO and Allstate also offer low rates in the area, with liability quotes starting at $44 and $59, respectively.
What are the best car insurance companies in Grand Prairie?
State Farm, GEICO, and Allstate are recognized as three of the leading insurers in Grand Prairie. These national insurers are well known for offering competitive rates in the area, and each has been recognized for its customer service, financial stability, and number of discounts and bundling options it offers.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Texas
Sources
- Texas Department of Transportation. "Crashes and Injuries, Cities and Towns."
- Texas.gov. "Transportation Code."
- CDC. "Teen Drivers and Passengers: Get the Facts."
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Angela Brown
Angela Brown is a freelance writer with 17 years of professional writing and editing experience.
She specializes in finance, real estate, and insurance content. Angela uses her experience to
create easy-to-understand content that helps consumers understand tough topics better. When
she’s not working, she enjoys spending time with her family and planning vacations.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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