Best Cheap Auto Insurance in Grand Prairie, TX (2021)

Grand Prairie, TX auto insurance rates are $6,083/yr. The cheapest car insurance company in Grand Prairie, Texas, is USAA. However, Grand Prairie, TX auto insurance quotes vary for each person. Auto insurance in Grand Prairie must meet the Texas state minimum requirements with coverage levels of 30/60/25 for liability. Compare Grand Prairie, TX auto insurance online to find the best price for you.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • On average, Grand Prairie, TX auto insurance rates are $6,083/yr
  • The cheapest auto insurance company in Grand Prairie, TX, is USAA
  • Various factors determine auto insurance, such as age and credit history
  • Over 190,000 people live in Grand Prairie

How much is auto insurance in Grand Prairie, TX? Grand Prairie, TX auto insurance rates are $6,083 per year, which is $2,040 more expensive than the Texas auto insurance average and $2,151 more than the national average.

You can save on Grand Prairie, Texas auto insurance quotes by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find information on how to get cheap auto insurance in Grand Prairie, TX, for every age, credit history, and driving record.

Monthly Grand Prairie, TX Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Grand Prairie, Texas auto insurance rates by ZIP Code below:

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Grand Prairie, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Grand Prairie, Texas stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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Ready to find affordable Grand Prairie, TX auto insurance? Enter your ZIP code above to get started.

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

The cheapest auto insurance company in Grand Prairie, based on average rates, is USAA.

Which Grand Prairie, TX car insurance company has the best rates? And how do those rates compare against the average Texas car insurance company rates? We’ve got the answers below.

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The best auto insurance companies in Grand Prairie, TX, ranked from cheapest to most expensive are:

  • USAA – $2,714
  • State Farm – $3,337
  • GEICO – $3,918
  • Nationwide – $3,931
  • Progressive – $4,746
  • Allstate – $6,023
  • American Family – $6,024

There are a lot of factors that determine your auto insurance rates. The cheapest company for you depends on age, gender, driving record, credit score, and coverage level.

Even marital status can affect your car insurance rates per month. But what other factors can affect insurance? Continue reading to learn more.

Grand Prairie, TX car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Grand Prairie car insurance rates. Find the cheapest Grand Prairie, TX car insurance rates by coverage level below:

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Your credit score will play a significant role in your Grand Prairie car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Grand Prairie, TX car insurance rates by credit score below.

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Your driving record will play a major role in your Grand Prairie car insurance rates. For example, other factors aside, a Grand Prairie, TX DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Grand Prairie, TX car insurance rates by driving record.

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Factors affecting car insurance rates in Grand Prairie, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Grand Prairie, Texas car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. TX does use gender, so check out the average monthly car insurance rates by age and gender in Grand Prairie, TX.

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What are the auto insurance requirements in Grand Prairie, TX?

All Grand Prairie drivers have to meet the Texas state law minimum requirements for auto insurance.

In Texas, you have to carry at least:

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

Texas is an at-fault state, which means an at-fault driver must use their auto insurance policy to pay for the no-fault driver’s bodily injury and property damage from the collision.

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What affects auto insurance rates in Grand Prairie, TX?

We talked about some of the significant factors that affect auto insurance, but what about the factors you may not notice.

Your car insurance provider considers how much you drive your vehicle and your city’s theft rates.

According to City-Data, the average commute time in Grand Prairie, TX is 28 minutes, but the national average is 25 minutes.

Therefore, Grand Prairie auto insurance is more expensive because the average driver travels more than the average American driver.

Auto theft in Grand Prairie, TX, can impact comprehensive insurance. The latest FBI statistics report that Grand Prairie had 503 vehicle thefts in 2019, which much lower than cities like Dallas.

Grand Prairie, TX weather may also be a factor. In 2019, Grand Prairie had seven hurricane and tropical storm disasters.

Grand Prairie, TX Auto Insurance: The Bottom Line

Grand Prairie, TX auto insurance has a massive annual average compared to the national average. If you’re a teen or young adult driver, you could pay even more for auto insurance.

The best way to secure cheap Grand Prairie, TX auto insurance is through auto insurance discounts. If you don’t qualify for savings, keep shopping around until you can get an affordable policy.

Before you buy Grand Prairie, TX auto insurance, be sure you’ve checked out rates with multiple companies. Enter your ZIP code below to get fast, free auto insurance quotes.

Free Auto Insurance Comparison

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

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Monthly Grand Prairie, TX Auto Insurance Rates by ZIP Code
Grand Prairie, TX Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Monthly Grand Prairie, TX Auto Insurance Rates by ZIP Code
Grand Prairie, TX Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Grand Prairie, TX Auto Insurance Rates by Company vs. City Average
Grand Prairie, TX Auto Insurance Rates by Company and Age
The Cheapest Grand Prairie, TX Auto Insurance Rates by Coverage Level
The Cheapest Grand Prairie, TX Auto Insurance Rates by Credit Score
The Cheapest Grand Prairie, TX Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Grand Prairie, TX
Average Monthly Auto Insurance Rates by Age & Gender in Grand Prairie, TX
Grand Prairie, TX Auto Insurance Rates by Company vs. City Average
Grand Prairie, TX Auto Insurance Rates by Company and Age
The Cheapest Grand Prairie, TX Auto Insurance Rates by Coverage Level
The Cheapest Grand Prairie, TX Auto Insurance Rates by Credit Score
The Cheapest Grand Prairie, TX Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Grand Prairie, TX
Average Monthly Auto Insurance Rates by Age & Gender in Grand Prairie, TX