Cheapest Auto Insurance in Grand Prairie, Texas (2026)
State Farm offers the most affordable car insurance in Grand Prairie, with liability rates of $63 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 $224 per month in Grand Prairie; liability averages $129 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. | $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 |
4.0
Best choice in Grand Prairie, TXBased on 15,929 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 7,200 State Farm reviews
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.
William
Verified Review
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Reviewed in Texas on March 2, 2026
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Paul
Verified Review
Helpful agents over the 60 years of having coverage with State Farm.
Reviewed in Texas on March 1, 2026
I have not had any claims in recent years. No problems over the years when there was a claim.
Percy
Verified Review
Excellent service and coverage
Reviewed in Texas on February 28, 2026
Excellent, friendly, and professional.
Barbara
Verified Review
Not a Good Proposal
Reviewed in Texas on February 26, 2026
They raised the yearly cost by thousands per year. I have had the policy for over 10 years with no claims.
Troy
Verified Review
Too High
Reviewed in Texas on February 24, 2026
State Farm is not good; they increased my rates for no reason.
…
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. | $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 |
4.0
Best choice in Grand Prairie, TXBased on 16,159 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 7,444 GEICO reviews
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.
Ramona
Verified Review
Don't Purchase
Reviewed in Texas on March 9, 2026
Do not buy. They don’t want to help you with a claim. They add their own coverage that is not in the policy. Very hard to get a hold of an adjuster if you need them.
Cristi
Verified Review
Price Increases at Renewal
Reviewed in Texas on March 8, 2026
I'm not going to use them again. They raise the price every time I have to renew. It's ridiculous to pay as much as I do for simple liability only.
Josh
Verified Review
Geico Two-Step
Reviewed in Texas on March 4, 2026
I have multiple insurance companies currently. Geico needs better training for their representatives. Don’t tell customers one thing and then tell the consumer the exact opposite from the next representative. I will never use Geico again, even though they are almost 50% cheaper than State Farm, Allstate, or Progressive.
Jeanette
Verified Review
Too much $$$
Reviewed in Texas on March 2, 2026
Started out well, but the price increased regularly with no claims, no accidents, and no tickets. It more than doubled in 8 years!
Zee
Verified Review
Expensive but probably a good insurance
Reviewed in Texas on February 25, 2026
It is very expensive; the Geico Auto help is very good.
Tom
Verified Review
Understand what you bought before you sign
Reviewed in Texas on February 25, 2026
Make sure they explain the policy thoroughly before you sign!
Joann
Verified Review
The Policy That Goes Up
Reviewed in Texas on February 24, 2026
I was drawn in with a low rate, then they increased it on me in 3 months.
Miguel
Verified Review
Fairness
Reviewed in Texas on February 24, 2026
They are good overall, but too expensive for my budget!
…
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. | $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 |
3.8
A solid option in Grand Prairie, TXBased on 9,529 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 4,282 Allstate reviews
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.
Tom
Verified Review
Car insurance is a monopoly
Reviewed in Texas on March 3, 2026
Insurance is outrageously expensive. Try not to put teens on your policy.
Pamela
Verified Review
Satisfied
Reviewed in Texas on February 27, 2026
Affordable
William
Verified Review
Bad assistance during a flood
Reviewed in Texas on February 26, 2026
Very disappointed in how they acted after a flood in Conroe, TX. They did okay, but when there was an issue with a flatbed truck you sent that caused some driveway damage, they did not help me at all!
Donald
Verified Review
Allstate reps are customer caring and honest.
Reviewed in Texas on February 24, 2026
Consider Allstate coverage as a good deal.
Constance
Verified Review
Taking Full Advantage of a Loyal Customer
Reviewed in Texas on February 21, 2026
My current insurer is Allstate. I had an unfortunate year in 2024. A dog ran in front of us and did major damage to our front end. A few short weeks later, an 18-wheeler blew a rear dual tire that hit our Jeep and caused us to spin and slam into a guardrail. Neither accident was our fault nor could they be avoided. The consequence was that our premiums have almost tripled and continue to rise. They know it will be difficult for us to change policies. Our credit rating is not exceptional due to a limited income and the huge rise in premiums and other bills. As soon as I can change insurance carriers, I will. No customer loyalty. I had never missed a premium.
Carlos
Verified Review
Price Increases
Reviewed in Texas on February 19, 2026
They are nice people, but they are terrible when it comes to helping out with costs. Every 6 months, the price increases and they never have a reason. All they say is, "Well, everything is going up." One time they said, "Just like eggs and milk, prices keep going up."
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.
Martha
Verified Review
Expensive car insurance needs to be cheaper for a 25-year-old car
Reviewed in Texas on February 16, 2026
It's expensive for only driving 4 miles a day or less.
…
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 $63 per month for liability policies
Excellent
4.7 out of 5 based on 12,558 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 $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: Monday, March 9 at 12:00 PM PDT.
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: Monday, March 9 at 12:00 PM PDT.
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.
Cheapest recent rates near Grand Prairie, Texas
Recent Grand Prairie, Texas car insurance prices for KIA, Toyota, Subaru , and more.
*Quotes generated for Insurify users in and around Grand Prairie, Texas within the last 10 days. Last updated on March 11, 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 11, 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 11, 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 11, 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: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $63 | $80 | $83 | $90 |
| Mile Auto | $80 | $98 | $107 | $114 |
| Progressive | $86 | $107 | $113 | $118 |
| Allstate | $87 | $113 | $116 | $124 |
| GEICO | $103 | $134 | $134 | $145 |
| USAA | $111 | $143 | $148 | $159 |
| Mercury | $121 | $168 | $182 | $180 |
| Dairyland | $131 | $163 | $173 | $187 |
| Root | $131 | $174 | $175 | $188 |
| The General | $133 | $177 | $182 | $190 |
| Commonwealth Casualty | $133 | $156 | $175 | $190 |
| Bristol West | $135 | $169 | $177 | $193 |
| GAINSCO | $138 | $164 | $176 | $197 |
| Nationwide | $139 | $180 | $186 | $199 |
| AssuranceAmerica | $145 | $184 | $192 | $207 |
| Clearcover | $146 | $188 | $212 | $209 |
| Sun Coast | $149 | $186 | $196 | $204 |
| Safeco | $153 | $201 | $213 | $233 |
| Direct Auto | $158 | $197 | $215 | $226 |
| National General | $158 | $196 | $209 | $226 |
| Elephant | $162 | $193 | $211 | $231 |
| Chubb | $189 | $240 | $250 | $270 |
| 21st Century | $218 | $286 | $295 | $292 |
| Liberty Mutual | $284 | $360 | $376 | $406 |
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 $129, and the average rate for full coverage is $224 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 $63 per month. Mile Auto and Progressive also offer low rates in the area, with liability quotes starting at $80 and $86, 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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