Cheapest Auto Insurance in Grand Prairie, Texas (2026)
State Farm offers the most affordable car insurance in Grand Prairie, with liability rates of $57 per month.
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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 $177 per month, compared to the Texas state average of $163 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 $225 per month in Grand Prairie; liability averages $128 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 | $101 | $57 | Low rates |
| GEICO | 9.2 | $181 | $94 | Discounts |
| Allstate | 8.9 | $143 | $81 | Bundling |
Disclaimer: Table data sourced from real-time Grand Prairie car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Grand Prairie 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 55,000 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 | 4.0 |
|---|---|
| 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. | 9.3 /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. | $57/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. | $116/mo |
4.0
Best choice in Grand Prairie, TXBased on 16,551 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Grand Prairie for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Grand Prairie for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Texas reviews for Grand Prairie drivers - See all 7,299 State Farm reviews
William
Verified Review
Excellent
Reviewed in Texas on March 26, 2026
State Farm is a good, solid insurance company. Rates are competitive.
Norvell
Verified Review
Average
Reviewed in Texas on March 19, 2026
To add a second vehicle, the price increased, and they are always trying to upsell.
Colette
Verified Review
Love the staff
Reviewed in Texas on March 19, 2026
Very expensive.
Michael
Verified Review
State Farm is overpriced and customer service from agent is lacking
Reviewed in Texas on March 14, 2026
Poor response to billing questions. It takes a week to get answers. Charged a late fee when no bill was received.
Steven
Verified Review
Used to be great
Reviewed in Texas on March 11, 2026
They raise the monthly rate without letting you know. They just keep raising my rate, and no one will tell me why.
Johnny
Verified Review
Not worth the money.
Reviewed in Texas on March 7, 2026
The customer service agent is very rude, and the premiums are way too high for the coverage I wanted. They ask questions that have no regard to price.
Gordon
Verified Review
Too High Monthly Payments
Reviewed in Texas on March 5, 2026
The monthly payment is way too high. Even though I was with them for many years, the premium kept going up.
Arturo
Verified Review
Expensive Insurance
Reviewed in Texas on March 4, 2026
The insurance is okay, I guess. I've never had a claim, but they are very expensive. They are so expensive that it's getting to the point where I cannot afford it.
Tina
Verified Review
Price is too high
Reviewed in Texas on March 4, 2026
I've had my current car insurance company for over 30 years. They are okay. However, now that I'm retired and their prices keep going up, the fact that they are doing away with the defensive driving discount, and they don't offer any incentives for seniors or someone who doesn't drive as much, I had no choice but to switch companies. The new company will save me about $30.00 a month.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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. | 9.2 /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. | $92/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. | $203/mo |
4.0
Best choice in Grand Prairie, TXBased on 16,802 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Grand Prairie for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Grand Prairie for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Texas reviews for Grand Prairie drivers - See all 7,536 GEICO reviews
Alejandro
Verified Review
They Couldn't Care Less
Reviewed in Texas on March 26, 2026
The cost of a 6-month policy is the lowest I've been able to find. Every other insurer has yet to match or beat it. It came with a little more coverage than any other insurer has offered. Although they give you a discount for initiating Easy Drive, which monitors one's driving and driving habits, the app is so messed up (as in making outrageous claims of unsafe driving), I know I cannot expect them to offer to continue the discount or increase it at the end of the term when the app makes a report, or they review the driving data collected. The app is NOT trustworthy because of its flawed and erroneous assumptions. I could not believe it admonished my driving because it found an app open on my phone. "Yeah, the app Easy Drive which they insist one have open during trips," so that it can take in and record the data. Easy Drive is a joke. When I read the first report I looked at, I wondered if the report stated what it stated so that I would be found ineligible for a continued discount. After reading a couple of other reports, I am convinced this tongue-in-cheek accusation of mine to be a fact. My driving record is, after 45 years of driving, immaculate. Yet insurance companies want nearly 500 USD or more for a 6-month STATE MINIMUMS LIABILITY ONLY policy. I have proven that I am not a liability to them. When are insurers going to appreciate me for that?
Laura
Verified Review
Insurance is Theft
Reviewed in Texas on March 26, 2026
Still costs too much but less than everyone else.
John
Verified Review
Good
Reviewed in Texas on March 21, 2026
I would say I have had an overall good experience.
Jaquelyn
Verified Review
I can't find anything less expensive
Reviewed in Texas on March 18, 2026
Cheapest I have found so far. Have not had a claim, so can't comment on that process.
Bombshell
Verified Review
Up, up, always up!
Reviewed in Texas on March 18, 2026
I would say don't do it! They are increasing my liability and uninsured motorist coverage for a 2005 Nissan Sentra. I'm 57 years old with no tickets or accidents, and yet I'm paying over $170 for not full coverage! It went up! I'm looking for another insurance company.
Israel
Verified Review
Can't Complain
Reviewed in Texas on March 15, 2026
I've been a GEICO customer for twenty years and I have a great relationship with the company. I know you can't compete with them. Amen.
Sharon
Verified Review
A very excellent experience. Great everything.
Reviewed in Texas on March 13, 2026
Excellent company, policies, discounts, and great service. Our agent in San Antonio, TX was top-notch.
Rudy
Verified Review
Look elsewhere
Reviewed in Texas on March 12, 2026
Extremely expensive and no incentive to stay with them.
James
Verified Review
Geico Is Not Cost Efficient
Reviewed in Texas on March 9, 2026
I have used Geico since 2006 on and off, and this will be my last time. They are notorious for raising my premium every renewal time. This very month I paid $188.00, and my renewal for March is $244.47—a fifty-six dollar a month increase on a 2022 Chevrolet Trax. I am on a dire fixed income and cannot afford this. I will never use Geico again. I need cheap insurance with full coverage.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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 | 3.8 |
|---|---|
| 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. | $80/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. | $163/mo |
3.8
A solid option in Grand Prairie, TXBased on 9,920 verified driver reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Grand Prairie for
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Grand Prairie for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 Texas reviews for Grand Prairie drivers - See all 4,345 Allstate reviews
John
Verified Review
You're in good hands with Allstate
Reviewed in Texas on March 30, 2026
Allstate really helped me out in getting insurance for both my car and house, and helped me save money.
Billy
Verified Review
Not Good
Reviewed in Texas on March 29, 2026
No additional coverage but an increase every year.
Jeffrey
Verified Review
Allstate - All about getting your money but not following up
Reviewed in Texas on March 27, 2026
Overall, they have overpriced their coverage. My insurance broker is mediocre and does not communicate with clients very well. I haven't heard from my agent in I don't know how long. As long as they are getting your premium, that's all they care about.
Rodney
Verified Review
Too Much Money
Reviewed in Texas on March 25, 2026
I've been with them on and off for 6 years, always paying on time, and yet I received no discount. They are too expensive.
Cesar
Verified Review
Allstate's Pricing Strategy
Reviewed in Texas on March 14, 2026
Do not use Allstate. They offer you lower rates initially and then raise them higher than your previous insurance company.
Juana
Verified Review
Shame on them. Just because I'm a senior citizen they wanted to take advantage of me.
Reviewed in Texas on March 13, 2026
They are crooks. I have been a licensed driver for 44 years, insured, and this company had me for 3 months on pins and needles with their incompetent ways of taking information and putting the wrong numbers for my account even though they were on auto pay. They charged me for late fees for their errors, and at 69, I could not handle so much. They said my bank declined payment, and this went on for 3 months. Finally, I went to the bank, and my bank told them they had not received a request for payment from them. They still said I had to pay the bill with a late fee. That day I had an appointment with a doctor. Because of all this, I got lost and even got into my first accident. Then they tried to take my vehicle for $1,500. I was able to take my vehicle back and fix it myself for less than those $1,500 dollars, which they said was a total loss. I will not recommend this company.
Jerome
Verified Review
Allstate
Reviewed in Texas on March 12, 2026
Excellent customer service
Roger
Verified Review
Good Coverage, But Expensive
Reviewed in Texas on March 11, 2026
Good coverage, but expensive. I only stayed with them because my homeowners insurance was cheaper after I got a new roof due to hail damage. It was a struggle, and I only got a new roof because my roofer was persistent.
Nelda
Verified Review
Way too pricey for minimum coverage. I was paying almost $600 monthly for 2 vehicles. I thought all along I had full coverage for that price.
Reviewed in Texas on March 9, 2026
Way too pricey for minimum coverage. I was paying almost $600 monthly for 2 vehicles. I thought all along I had full coverage for that price.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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 $57 per month for liability policies
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
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 $128 per month, and you can see a collection of quotes offered by top insurers in the table below.
The below rates in Grand Prairie, TX, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $57 |
| Allstate | $80 |
| Mile Auto | $82 |
| Progressive | $86 |
| GEICO | $92 |
| USAA | $102 |
| Mercury | $114 |
| First Acceptance | $119 |
| The General | $120 |
| Alinsco | $124 |
| Freedom National | $127 |
| Lone Star | $127 |
| Nationwide | $128 |
| Dairyland | $130 |
| Commonwealth Casualty | $131 |
| GAINSCO | $134 |
| Clearcover | $135 |
| Root | $135 |
| Bristol West | $136 |
| Mendota | $138 |
| Covercube | $139 |
| AssuranceAmerica | $145 |
| Safeco | $152 |
| Direct Auto | $153 |
| Sun Coast | $153 |
| National General | $156 |
| Loop | $160 |
| Elephant | $162 |
| Chubb | $173 |
| Trexis One | $175 |
| 21st Century | $200 |
| Liberty Mutual | $246 |
Disclaimer: Table data sourced from real-time Grand Prairie car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Grand Prairie 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 $225 per month. The table below lists insurance companies with the lowest quotes for full-coverage policies.
The below rates in Grand Prairie, TX, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $116 |
| Allstate | $163 |
| Progressive | $164 |
| Mile Auto | $180 |
| Mercury | $189 |
| GEICO | $203 |
| USAA | $206 |
| Root | $231 |
| Safeco | $233 |
| Clearcover | $242 |
| Alinsco | $250 |
| Direct Auto | $250 |
| Elephant | $257 |
| Nationwide | $259 |
| GAINSCO | $267 |
| National General | $267 |
| Bristol West | $270 |
| The General | $280 |
| Mendota | $281 |
| AssuranceAmerica | $290 |
| First Acceptance | $299 |
| Commonwealth Casualty | $301 |
| Loop | $305 |
| Sun Coast | $307 |
| Lone Star | $310 |
| Dairyland | $327 |
| Covercube | $336 |
| Freedom National | $341 |
| Chubb | $350 |
| Liberty Mutual | $368 |
| Trexis One | $371 |
| 21st Century | $403 |
Disclaimer: Table data sourced from real-time Grand Prairie car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Grand Prairie may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Grand Prairie, Texas
Drivers in and around Grand Prairie, Texas have found policies from Lemonade, Liberty Mutual, The General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Grand Prairie, Texas within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 31, 2026. 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 March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 31, 2026. 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 in Grand Prairie, TX, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $57 | $72 | $75 | $81 |
| Allstate | $80 | $104 | $107 | $114 |
| Mile Auto | $82 | $100 | $110 | $117 |
| Progressive | $86 | $107 | $113 | $118 |
| GEICO | $92 | $120 | $119 | $130 |
| USAA | $102 | $132 | $136 | $146 |
| Mercury | $114 | $159 | $172 | $169 |
| First Acceptance | $119 | $148 | $156 | $163 |
| The General | $120 | $160 | $165 | $171 |
| Alinsco | $124 | $154 | $163 | $170 |
| Freedom National | $127 | $158 | $167 | $174 |
| Lone Star | $127 | $158 | $167 | $174 |
| Nationwide | $128 | $166 | $172 | $183 |
| Dairyland | $130 | $162 | $172 | $186 |
| Commonwealth Casualty | $131 | $154 | $172 | $187 |
| GAINSCO | $134 | $159 | $171 | $191 |
| Clearcover | $135 | $174 | $196 | $193 |
| Root | $135 | $179 | $180 | $193 |
| Bristol West | $136 | $171 | $178 | $194 |
| Mendota | $138 | $172 | $181 | $189 |
| Covercube | $139 | $173 | $183 | $191 |
| AssuranceAmerica | $145 | $184 | $192 | $207 |
| Safeco | $152 | $200 | $212 | $231 |
| Direct Auto | $153 | $191 | $208 | $219 |
| Sun Coast | $153 | $191 | $201 | $210 |
| National General | $156 | $194 | $207 | $223 |
| Loop | $160 | $199 | $210 | $219 |
| Elephant | $162 | $193 | $211 | $231 |
| Chubb | $173 | $219 | $229 | $247 |
| Trexis One | $175 | $218 | $230 | $240 |
| 21st Century | $200 | $263 | $271 | $268 |
| Liberty Mutual | $246 | $312 | $326 | $352 |
Disclaimer: Table data sourced from real-time Grand Prairie car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Grand Prairie 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 is based on real-time Grand Prairie quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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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 $177 per month. The average rate for liability-only coverage is $128, and the average rate for full coverage is $225 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 $57 per month. Allstate and Mile Auto also offer low rates in the area, with liability quotes starting at $80 and $82, 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 190 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 500+ 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.
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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 BrownFreelance Personal Finance Writer
17+ years in insurance and personal finance writing
In-depth knowledge of home and real estate topics
Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.
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Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.
Chris SchaferDeputy Managing Editor, News and Marketing Content
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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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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