Compare Grand Prairie, TX Car Insurance Rates (2021)

The cheapest Grand Prairie, TX car insurance is offered by State Farm, but rates will vary based on the individual driver. Auto insurance in Grand Prairie, TX must meet the minimum state requirements of 30/60/25 in liability coverage. Compare quotes below to find the cheapest Grand Prairie, TX car insurance rates near you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Mar 23, 2021

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Here's what you need to know...

  • The cheapest car insurance company in Grand Prairie, TX is State Farm
  • Grand Prairie is part of the larger Dallas-Fort Worth area and experiences higher auto insurance rates
  • Since it is so close to Dallas, Grand Prairie also experiences a high traffic volume

Grand Prairie, TX car insurance rates are very expensive. This isn’t surprising since Texas car insurance rates are higher than the U.S. average.

However, it is still possible to find affordable Grand Prairie, TX car insurance if you know where to look. Shop around and compare rates to find the best coverage for you.

Enter your ZIP code now to compare Grand Prairie, TX car insurance quotes.

What is the cheapest car insurance company in Grand Prairie, TX?

Although USAA is the cheapest auto insurance company in Grand Prairie, it only offers coverage to the military, veterans, and their families. The cheapest company that offers coverage to everyone in Grand Prairie is State Farm.

These are the top-rated Grand Prairie, TX car insurance companies listed from least to most expensive:

  • USAA – $2,714.36
  • State Farm – $3,336.72
  • GEICO – $3,918.43
  • Nationwide – $3,931.09
  • Progressive – $4,745.56
  • Allstate – $6,022.89
  • American Family – $6,023.85

Since Grand Prairie is located near Dallas, drivers see similar rates as a big city. For example, car insurance in San Antonio, Texas, another large Texas city, is similar to rates in Grand Prairie.

There are many factors that are used to determine your auto insurance rates. Age, gender, marital status, driving record, credit history, and ZIP code are all used to calculate your rates.

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What car insurance coverage is required in Grand Prairie, TX?

Almost every state requires drivers to carry at least a minimum amount of auto insurance. Texas is no different.

The minimum auto insurance requirements in Grand Prairie, TX are:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

With the growing cost of health insurance and car prices, you can see that these limits can be exhausted very easily. To prevent out-of-pocket costs, consider increasing coverage limits.

What affects car insurance rates in Grand Prairie, TX?

Grand Prairie drivers have to deal with a lot of traffic as part of the Dallas-Fort Worth area. More traffic can mean more auto accidents and higher insurance rates.

INRIX doesn’t list data for Grand Prairie, but it does rank Dallas, TX as the 20th most congested city in the U.S.

In fact, City-Data reports that drivers in Grand Prairie, TX spend around 25 minutes commuting. Although there is public transportation in the Dallas area, most drivers prefer to commute alone.

Auto theft can also raise your car insurance rates. According to the FBI, there were 495 motor vehicle thefts in Grand Praire and 7,913 thefts in the Dallas area during one year.

Grand Prairie, TX Car Insurance: The Bottom Line

Auto insurance in Grand Prairie is higher than both the state and national averages. Before you buy Grand Prairie, TX car insurance, shop around to find the best coverage at the lowest price.

Enter your ZIP code now to compare Grand Prairie, TX car insurance rates.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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