Cheapest Auto Insurance in Grand Prairie, Texas (2026)

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.

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	$58	Low rates
GEICO	9.2	$180	$95	Discounts
Allstate	8.9	$142	$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.

• How Insurify rates insurance companies

  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

low rates

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User Reviews	4.0 7,052 reviews
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.	$63/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.	$109/mo

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Driver Reviews

4.0

Best choiceBased on 15,100 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 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 For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (7,052)

Steve

Verified Review

Overpaying for Insurance

Reviewed in New York on February 18, 2026

I have been with State Farm Insurance from 1967 to 2026, which would be 59 years, minus 2 1/2 years I was in the military. State Farm Insurance was always great to me, and I always had a local State Farm Insurance office and agent that made everything simple. I did enjoy having that kind of experience and service. After all the years that I’ve been with them and asking if there was any way that I could qualify for a reduced rate and being told no so quickly or without checking made my blood boil. I’ve been hearing this for years, “If you have an insurance agent you’re throwing your money away.” After contacting a number of insurance companies and getting insurance quotes for the same type of coverage, I’m finding that I have been paying premiums that were way too high. I can save $1,500-$1,750 a year for the same type of coverage, not dealing with an insurance agent. That’s a lot of money, so I started looking for insurance companies that can give me better rates for the same coverage I had.

Tina

Verified Review

Twenty+ Years Customer

Reviewed in Texas on February 18, 2026

I have been with my current insurance company for over 20 years. I've only had one accident in all that time. My premiums have steadily increased, and it has been difficult asking if there are any discounts available for me. I'm retired now and don't drive as much as when I was working. They don't seem to have any discounts for seniors or folks that don't drive as much anymore.

Elessa

Verified Review

Lack of Communication on Rate Increases

Reviewed in Maryland on February 18, 2026

The deductible increased without notice or explanation.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

discounts

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User Reviews	4.0 7,328 reviews
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.	$103/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.	$194/mo

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Driver Reviews

4.0

Best choiceBased on 15,389 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 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 For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (7,328)

Andreas

Verified Review

Очень вежливы и готовы ответить на все вопросы

Reviewed in Florida on February 18, 2026

На сегодня это самая выгодная для меня компания!

Bruce

Verified Review

Geico is not what it once was.

Reviewed in New York on February 18, 2026

Unreal how long it took to even get through the process. First, I had to take pictures. For some reason, they don’t send anybody to look at your car anymore. That took a day. Then I had to email everything to some office, and it took four days for that person to get back to me. Another afternoon and the next day to get a Rent-A-Car. Also, it was almost impossible to pick a car. I ended up having to spend 20 extra dollars a day because it was a larger car. Today, the process has taken almost 2 weeks, the car is in a shop, and no one from GEICO has called me for over a week. Really a very bad experience with GEICO. I’ve been a customer for 30 years at least, and I’ve never experienced this lack of care from anyone else.

John

Verified Review

My experience was terrible

Reviewed in Florida on February 18, 2026

I wouldn't suggest Geico to anyone. All they've done is increase my insurance rates for no reason.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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

bundling

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User Reviews	3.8 4,215 reviews
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.	$87/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.	$153/mo

Show Details

Driver Reviews

3.8

A solid optionBased on 9,023 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 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 For

Accident forgiveness

Wide availability

Cheap rates

Reviews (4,215)

Rick

Verified Review

Excellent

Reviewed in Oklahoma on February 18, 2026

Everything was good. I haven’t had any accidents.

Patricia

Verified Review

Price fair, but claim process difficult

Reviewed in Texas on February 17, 2026

The price was right; however, when I needed to file a claim, it became a nightmare.

Frank

Verified Review

Insurance Policy

Reviewed in Virginia on February 17, 2026

The policy is expensive and the rates are too high.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

636

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.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 $63 per month for liability policies

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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 $129 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, February 17 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$63
Mile Auto	$80
Progressive	$86
Allstate	$87
GEICO	$103
USAA	$111
Mercury	$121
Dairyland	$131
Root	$131
The General	$133
Commonwealth Casualty	$133
Bristol West	$135
GAINSCO	$138
Nationwide	$139
AssuranceAmerica	$145
Clearcover	$146
Sun Coast	$149
Safeco	$153
Direct Auto	$158
National General	$158
Elephant	$162
Chubb	$189
21st Century	$218
Liberty Mutual	$284

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 $224 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, February 17 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$109
Progressive	$148
Allstate	$153
Mile Auto	$168
Mercury	$185
USAA	$194
GEICO	$194
Root	$226
Safeco	$232
Clearcover	$239
Direct Auto	$242
Nationwide	$244
Elephant	$256
The General	$259
Bristol West	$270
National General	$270
GAINSCO	$277
Sun Coast	$283
AssuranceAmerica	$298
Commonwealth Casualty	$312
Chubb	$330
Liberty Mutual	$367
Dairyland	$373
21st Century	$381

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.

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, February 17 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
State Farm	$63	$80	$83	$89
Mile Auto	$80	$97	$108	$114
Progressive	$86	$107	$113	$118
Allstate	$87	$113	$116	$124
GEICO	$103	$134	$133	$146
USAA	$111	$143	$148	$158
Mercury	$121	$168	$182	$180
Dairyland	$131	$162	$172	$186
Root	$131	$174	$174	$188
The General	$133	$177	$182	$189
Commonwealth Casualty	$133	$156	$175	$189
Bristol West	$135	$169	$177	$192
GAINSCO	$138	$164	$176	$196
Nationwide	$139	$180	$186	$197
AssuranceAmerica	$145	$184	$192	$206
Clearcover	$146	$188	$212	$207
Sun Coast	$149	$185	$196	$205
Safeco	$153	$201	$213	$233
Direct Auto	$158	$197	$215	$224
National General	$158	$196	$209	$224
Elephant	$162	$193	$211	$230
Chubb	$189	$239	$250	$268
21st Century	$218	$286	$295	$292
Liberty Mutual	$284	$360	$377	$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.

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.

Grand Prairie car insurance FAQs