In Grand Prairie, the average full coverage car insurance costs $156 per month. Depending on your policy, vehicle type, and personal details, rates can range from as low as $150 to as high as $471 monthly. To help drivers gauge what they might pay, the table below shows average car insurance costs for various driver profiles in the area.
Grand Prairie, TX, Car Insurance
Updated: January 13, 2025
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Cheapest Car Insurance in Grand Prairie: Key Takeaways
In Texas, the most affordable car insurance companies include Texas Farm Bureau, State Farm and Progressive, each offering competitive rates for different driver profiles and coverage needs.
Texas Farm Bureau stands out as the cheapest car insurance provider, offering rates of $36 per month for minimum coverage and $81 per month for full coverage in the Lone Star State.
On average, car insurance in Texas costs $75 per month for minimum coverage and $156 for full coverage, though these rates can vary based on the driver's individual profile.
Car Insurance Quotes in Grand Prairie, TX
| Young Drivers | $100 | $204 |
| Teens | No Data | $471 |
| Seniors | $77 | $150 |
| Drivers With a Speeding Ticket | $90 | $188 |
| Drivers With a DUI | $117 | $228 |
| Drivers With An Accident | $128 | $255 |
| Bad Credit | $135 | $283 |
**Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.**
Grand Prairie, TX vs. State Average
Texas
State Average Full Coverage Rate
$1,705
Grand Prairie, TX
City Average Full Coverage Rate
$1,881More:$176 more
This is 10% more expensive.
What Is the Average Car Insurance Rate in Grand Prairie?
In Grand Prairie, the average cost for full car insurance is $1,881 per year, and minimum coverage is $912 annually. These rates are higher than the Texas averages, where full coverage costs $1,705 and minimum coverage is $816. Understanding these differences can help you budget better for your insurance needs.
| State Average | $816 | $1,705 |
| Grand Prairie Average | $912 | $1,881 |
Cheapest Car Insurance Companies in Grand Prairie
Even with rising premiums, you can still find cheap car insurance in Grand Prairie. Texas Farm Bureau offers the lowest rate for minimum coverage at $36 per month. For full coverage, they also provide the best rate at $81 monthly.
WHY CAR INSURANCE IN GRAND PRAIRIE IS EXPENSIVE
Car insurance is expensive in Grand Prairie due to factors like traffic volume and accident rates. The city ranks high among Texas cities for costly premiums. Statewide issues, such as many uninsured drivers and frequent personal injury lawsuits, also drive up prices.
Cheap Car Insurance in Grand Prairie
Texas Farm Bureau often offers the cheapest car insurance, but rates can vary for each driver. The best way to find affordable car insurance is to get quotes from multiple providers. Below is a table with the cheapest car insurance rates for various driver profiles.
| Texas Farm Bureau | Minimum Coverage | $36 |
| Texas Farm Bureau | Full Coverage | $81 |
| State Farm | Teens | $233 |
| Texas Farm Bureau | Young Adults | $73 |
| Texas Farm Bureau | Seniors | $49 |
| Texas Farm Bureau | Bad Credit | $129 |
| Progressive | Drivers With a DUI | $96 |
| State Farm | Drivers With An Accident | $89 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $59 |
Car Insurance Rates in Grand Prairie by Company
Car insurance costs vary, so comparing rates in Grand Prairie gets you the best deal. Below, we detail the most affordable minimum coverage and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Grand Prairie
Texas Farm Bureau offers the cheapest minimum coverage auto insurance at $36 per month. Mercury follows at $40 monthly. Explore cheapest minimum coverage auto insurance for more options. Check the table below for a detailed breakdown.
| Texas Farm Bureau | $36 | $39 |
| Mercury | $40 | $35 |
| State Farm | $45 | $31 |
| Progressive | $55 | $20 |
| National General | $58 | $18 |
| AAA Texas | $61 | $15 |
| GEICO | $74 | $1 |
Cheapest Car Insurance Companies for Full Coverage in Grand Prairie
Texas Farm Bureau offers the cheapest full coverage car insurance in Grand Prairie at $81 per month. Below is the complete list of providers and their rates.
| AAA Texas | $127 | $29 |
| Allstate | $144 | $12 |
| GEICO | $138 | $18 |
| Mercury | $143 | $13 |
| National General | $129 | $27 |
| Progressive | $111 | $45 |
| State Farm | $95 | $61 |
| Texas Farm Bureau | $81 | $75 |
Car Insurance Companies in Grand Prairie
To find affordable car insurance in Grand Prairie, compare quotes from several companies. Texas Farm Bureau offers the cheapest rate at $704 per year. Mercury is the best affordable provider with a MoneyGeek score of 76. Check the table below for more options to consider.
| Chubb | 90 | $1,456 |
| Mercury | 76 | $1,101 |
| Foremost | 75 | $1,876 |
| State Farm | 75 | $853 |
| AAA Texas | 73 | $1,125 |
| Texas Farm Bureau | 73 | $704 |
| Progressive | 65 | $995 |
| Nationwide | 64 | $1,576 |
| GEICO | 63 | $1,275 |
| Allstate | 61 | $1,332 |
| National General | 52 | $1,120 |
| Dairyland | No Data | $3,345 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Grand Prairie by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,881 per year for 40-year-olds and $1,806 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,699 | $-1,264 |
| 17 | $3,564 | $-1,129 |
| 18 | $3,114 | $-679 |
| 19 | $2,645 | $-210 |
| 20 | $2,768 | $-333 |
| 21 | $2,051 | $385 |
| 22 | $2,058 | $377 |
| 23 | $2,133 | $302 |
| 24 | $2,000 | $435 |
| 25 | $2,446 | $-594 |
| 40 | $1,881 | $-28 |
| 65 | $1,806 | $46 |
Cheapest Car Insurance for Teens in Grand Prairie
Nationwide offers the cheapest overall car insurance for teens at $145 per month, saving $127 compared to the average state cost. The table below also breaks down some of the most affordable providers in the city for this age group.
| Nationwide | $145 | $127 | $360 |
| State Farm | $175 | $96 | $233 |
| GEICO | $220 | $51 | $268 |
| Foremost | $293 | $-22 | $629 |
| Progressive | $317 | $-46 | $852 |
| Allstate | $478 | $-207 | $482 |
**Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.*
Best Car Insurance Rates for Young Drivers in Grand Prairie
Texas Farm Bureau offers the best minimum coverage rate for young drivers in Grand Prairie at $47 per month. For full coverage, they also have the most affordable rate at $99 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| Texas Farm Bureau | Minimum Coverage | $47 |
| Texas Farm Bureau | Full Coverage | $99 |
| Texas Farm Bureau | Bad Credit | $161 |
| Progressive | Drivers With a DUI | $117 |
| State Farm | Drivers With An Accident | $110 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $73 |
Cheapest Car Insurance Companies for Young Drivers in Grand Prairie
Texas Farm Bureau offers the most affordable auto insurance for young drivers at $73 per month. Learn more about affordable auto insurance. The table below shows other companies with competitive rates.
| Texas Farm Bureau | $73 | $78 |
| State Farm | $89 | $62 |
| Progressive | $105 | $46 |
| AAA Texas | $120 | $31 |
| National General | $120 | $31 |
| GEICO | $124 | $27 |
| Mercury | $126 | $25 |
| Allstate | $144 | $7 |
**Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.*
Best Car Insurance Rates for Seniors in Grand Prairie
Texas Farm Bureau and State Farm offer the cheapest car insurance in the city, but rates can vary. The table below shows the most affordable providers for different driver and coverage profiles that might better suit your needs.
| Texas Farm Bureau | Minimum Coverage | $32 |
| Texas Farm Bureau | Full Coverage | $67 |
| Texas Farm Bureau | Bad Credit | $108 |
| Progressive | Drivers With a DUI | $99 |
| State Farm | Drivers With An Accident | $82 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $49 |
Cheapest Car Insurance Companies for Seniors in Grand Prairie
Texas Farm Bureau offers the cheapest monthly premium for seniors with both minimum and full coverage options at $49 per month. State Farm is another affordable choice, costing $64 monthly. The table below shows options from top car insurance providers for seniors in Grand Prairie.
| Texas Farm Bureau | $49 | $64 |
| State Farm | $64 | $49 |
| Progressive | $84 | $29 |
| AAA Texas | $93 | $19 |
| Mercury | $96 | $17 |
| National General | $102 | $11 |
| GEICO | $107 | $6 |
| Allstate | $108 | $4 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Grand Prairie
When looking at high-risk driver profiles in Grand Prairie, both minimum and full coverage rates are generally lower than the state average. Those with bad credit and DUIs tend to pay the most for car insurance. Meanwhile, accidents and speeding tickets have a less significant impact on rates.
| State Average | $1,190 | $2,417 |
| Grand Prairie Average | $1,332 | $2,669 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a not-at-fault accident or speeding ticket in Grand Prairie, are considered by insurers for three to five years. For serious offenses such as DUI, insurers may monitor your record for even longer, and you might need to file SR-22 insurance to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Grand Prairie
Mercury offers the cheapest minimum coverage for drivers with a DUI at $692 per year in Grand Prairie. For full coverage, Progressive is the most affordable at $1,587 annually. Check out the table below for more low-cost options.
| Progressive | $59 | $132 |
| National General | $73 | $153 |
| Texas Farm Bureau | $84 | $159 |
| State Farm | $87 | $173 |
| Mercury | $58 | $192 |
**Rates are for a 40-year-old driver with good credit and a DUI.*
Cheapest Auto Insurance Rates With an Accident in Grand Prairie
State Farm, Texas Farm Bureau, and Progressive offer the cheapest car insurance for drivers with an at-fault accident in Grand Prairie. Their monthly full coverage rates are $118, $133, and $185 respectively. Explore our cheapest auto insurance after an at-fault accident page for more insights. The table below shows different providers in Grand Prairie offering cheap car insurance coverage for drivers with an at-fault accident violation.
| State Farm | $57 | $118 |
| Texas Farm Bureau | $62 | $133 |
| AAA Texas | $91 | $181 |
| Progressive | $86 | $185 |
| Mercury | $87 | $287 |
**Rates are for a 40-year-old driver with good credit an at-fault accident.*
Cheapest Auto Insurance Rates With a Speeding Ticket in Grand Prairie
Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $36 per month and full coverage at $81 in Grand Prairie. Check the table below to see how other providers charge drivers with a speeding ticket on their record.
| Texas Farm Bureau | $36 | $81 |
| State Farm | $45 | $95 |
| Progressive | $65 | $144 |
| National General | $71 | $172 |
| Mercury | $59 | $206 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Grand Prairie
Mercury offers the most affordable rates for drivers with bad credit with minimum coverage at $57 per month, while Texas Farm Bureau leads in full coverage at $181 monthly. See the table below for other affordable options.
| Texas Farm Bureau | $77 | $181 |
| Progressive | $84 | $193 |
| AAA Texas | $94 | $196 |
| Mercury | $57 | $217 |
| National General | $88 | $228 |
**Rates are for a 40-year-old driver with bad credit and no driving violations.*
Minimum Car Insurance Requirements in Grand Prairie, TX
In Texas, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $30,000 for bodily injury liability per person.
- $60,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
Imagine you're in an accident causing $20,000 in property damage. With minimum coverage, your insurance pays this amount, helping you avoid out-of-pocket expenses.
Cheap Car Insurance in Grand Prairie: Bottom Line
Texas Farm Bureau offers the cheapest car insurance in Grand Prairie, with minimum coverage at just $36 and full coverage at $81 monthly. No matter your age or credit, you'll find affordable plans that suit your wallet. Remember, your policy must include Texas's required coverage: injury and property damage. Compare and save, ensuring you meet the Lone Star State's laws without breaking the bank.
Grand Prairie Auto Insurance: FAQ
This FAQ section provides quick answers to common questions about finding the cheapest and best car insurance options in Grand Prairie. Learn how to choose affordable plans and understand state minimum coverage requirements to make informed decisions.
What is the cheapest car insurance company in Grand Prairie, Texas?
Texas Farm Bureau offers affordable state minimum auto insurance in Grand Prairie, with monthly rates as low as $36, potentially saving customers $39 monthly.
What is the best car insurance company in Grand Prairie, Texas?
Dairyland is the top-rated car insurance provider in Grand Prairie, Texas.
How much does car insurance cost on average in Grand Prairie?
In Grand Prairie, state minimum coverage car insurance costs range from $75 to $134 per month.
Best Cheap Car Insurance in Grand Prairie: Our Methodology
MoneyGeek conducted an analysis of Grand Prairie auto insurance prices using data from the Texas Department of Insurance and Financial Services and Quadrant Information Services.
Grand Prairie Driver Profile
To assess the best and most affordable auto insurance options for Grand Prairie residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Grand Prairie
In assessing the car insurance quotes for Grand Prairie, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Texas's mandated liability insurance parameters:
The minimum coverage requirements in Texas are:
- $30,000 for bodily injury liability per person.
- $60,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Grand Prairie
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Grand Prairie. Learn more about our findings and MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.