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Home » Car insurance » Texas » Cheap Car Insurance Grand Prairie

Cheap Car Insurance in Grand Prairie

Lowest Premium

$409 / YEAR

Average Premium

$593 / YEAR

Highest Premium

$769 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Grand Prairie is around $593 and can go upto $769. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
GEICO$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Grand Prairie by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Grand Prairie. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
75050$579
75051$610
75052$587
75054$577

Insurance Agents in Grand Prairie, TX and Near by

Agents by ZIP code:
  • 0 mi
    Danilo Galeas
    3008 E Main St, Grand Prairie, TX 75050
    (214) 412-3421
  • 0 mi
    Western General Insurance Agency
    132 E Main St Ste 107, Grand Prairie, TX 75050
    (972) 262-9516
  • 0 mi
    Southern Provision Group
    101 1/2 W Main St, Grand Prairie, TX 75050
    (972) 743-9494
  • 0 mi
    Estela Alonso
    133 W Main St, Grand Prairie, TX 75050
    (972) 264-4860
  • 0 mi
    B & B Insurance Agency
    307 W Main St, Grand Prairie, TX 75050
    (972) 264-5382
  • 0 mi
    Hugo Valdes
    613 W Main St, Grand Prairie, TX 75050
    (972) 262-9098
  • 0 mi
    Skip Johnson
    626 Dalworth, Grand Prairie, TX 75050
    (972) 262-4972
  • 0 mi
    C Austin Insurance Agency
    702 Dalworth St, Grand Prairie, TX 75050
    (972) 642-0002
  • 0 mi
    Jay Strickland Insurance Agency
    101 NW 8th St, Grand Prairie, TX 75050
    (972) 264-2000
  • 0 mi
    Allen Insurance Agency
    1001 Hill St, Grand Prairie, TX 75050
    (972) 264-2541
  • 0 mi
    Jon Stuckey Insurance Agency
    1001 Hill St, Grand Prairie, TX 75050
    (972) 263-4846
  • 0 mi
    Shebra Hackett
    410 NW 11th St, Grand Prairie, TX 75050
    (972) 266-2866
  • 0 mi
    Karen Trevino
    1044 N Carrier Pkwy, Grand Prairie, TX 75050
    (214) 446-5454
  • 0 mi
    Triple Alliance Insurance
    1410 W Main St, Grand Prairie, TX 75050
    (214) 444-6390
  • 0 mi
    Regina Martinez
    1602 N State Highway 161, Grand Prairie, TX 75050
    (972) 215-7006
  • 0 mi
    All American Hallmark Insurance
    2202 W Main St, Grand Prairie, TX 75050
    (972) 264-1040
  • 0 mi
    Greenfields Insurance Agency
    1106 N State Highway 360 Ste 318, Grand Prairie, TX 75050
    (214) 556-3099
  • 0 mi
    Chapman-Cornelius Insurance Services
    821 Greenview Dr, Grand Prairie, TX 75050
    (817) 265-3346
  • 0 mi
    Douglas Sanni-Thomas
    2080 N Highway 360 Ste 135, Grand Prairie, TX 75050
    (972) 606-2460
  • 0 mi
    Jeffrey Wayne Hunt
    2080 N Highway 360 Ste 375, Grand Prairie, TX 75050
    (817) 784-9499
  • 0 mi
    Mark Erwin
    2100 N Highway 360 Ste 302, Grand Prairie, TX 75050
    (972) 230-7722
  • 0 mi
    Patty Diaz
    2100 N State Highway 360 Ste 601, Grand Prairie, TX 75050
    (972) 623-2255
  • 0 mi
    Ray Lewis Hanna
    1106 N Highway 360 Ste 105, Grand Prairie, TX 75050
    (972) 988-6874
  • 12.84 mi
    TWFG Insurance Services - Earl Turner
    2702-b W Pioneer Pkwy, Grand Prairie, TX 75054
    (817) 274-5085
  • 3.27 mi
    Elizabeth Longoria
    119 E Jefferson St, Grand Prairie, TX 75051
    (972) 263-9398
  • 3.27 mi
    Texas Trust Insurance
    425 W Jefferson St, Grand Prairie, TX 75051
    (972) 264-8093
  • 3.27 mi
    Robinson Insurance Agency
    817 W Jefferson St, Grand Prairie, TX 75051
    (972) 262-2525
  • 3.27 mi
    Baja Auto Insurance
    515 S Carrier Parkway, Grand Prairie, TX 75051
    (214) 778-6804
  • 3.27 mi
    Erica Ochoa Armendariz Agency
    1309 S Belt Line Rd Ste B, Grand Prairie, TX 75051
    (214) 412-2073
  • 3.27 mi
    Blackburn Insurance Agency
    836 S Carrier Pkwy, Grand Prairie, TX 75051
    (972) 992-7213
  • 3.27 mi
    Terry R Williamson
    404 Marshall Plz, Grand Prairie, TX 75051
    (972) 264-2024
  • 3.27 mi
    Carl Nulsen
    315 W Marshall Dr, Grand Prairie, TX 75051
    (972) 201-9721
  • 3.27 mi
    Curtis Anderson
    1740 S Carrier Pkwy, Grand Prairie, TX 75051
    (972) 641-8551
  • 3.27 mi
    Lee King
    1833 S Carrier Pkwy, Grand Prairie, TX 75051
    (972) 264-5771
  • 3.27 mi
    Richard Salinas
    2321 S Belt Line Rd Ste 144, Grand Prairie, TX 75051
    (972) 262-1555
  • 3.27 mi
    Tyler Hitchcock
    2321 S Belt Line Rd Ste 160, Grand Prairie, TX 75051
    (972) 642-0798
  • 3.27 mi
    Debo Insurance
    2330 S Belt Line Rd, Grand Prairie, TX 75051
    (972) 642-1203
  • 3.27 mi
    A Friend Auto Insurance
    310 E Pioneer Pkwy, Grand Prairie, TX 75051
    (972) 263-1619
  • 3.27 mi
    A-Max Auto Insurance
    433c E Pioneer Pkwy, Grand Prairie, TX 75051
    (972) 266-5000
  • 3.27 mi
    Freeway Insurance
    425 E Pioneer Pkwy Ste 7, Grand Prairie, TX 75051
    (972) 426-5078
  • 3.27 mi
    Brian Ownby
    525 W Pioneer Pkwy Ste 555, Grand Prairie, TX 75051
    (972) 262-5121
  • 3.27 mi
    Fajardo Auto Insurance
    675 W Pioneer Pkwy Ste 104-b, Grand Prairie, TX 75051
    (972) 642-1550
  • 3.27 mi
    Acceptance Auto Insurance
    1102 W Pioneer Pkwy Ste 108, Grand Prairie, TX 75051
    (972) 352-2260
  • 3.27 mi
    Teecy Mai
    601 S Great Southwest Pkwy, Grand Prairie, TX 75051
    (817) 668-7666
  • 3.27 mi
    Caroline Omotayo Olayiwola
    2100 S Great Southwest Pkwy, Grand Prairie, TX 75051
    (972) 641-7900
  • 3.27 mi
    Suong Truong Agency
    2100 S Great Southwest Pkwy Ste 603, Grand Prairie, TX 75051
    (972) 641-6600
  • 3.27 mi
    Phoenix Insurance Group
    2615 W Pioneer Pkwy Ste 128, Grand Prairie, TX 75051
    (817) 394-1123
  • 3.27 mi
    Loc Truong
    2615 W Pioneer Pkwy Ste 104, Grand Prairie, TX 75051
    (972) 415-8136
  • 7.58 mi
    Baja Auto Insurance
    2502 S Belt Line Rd, Grand Prairie, TX 75052
    (214) 778-6803
  • 7.58 mi
    Angela Giessner
    2509 S Carrier Pkwy, Grand Prairie, TX 75052
    (972) 262-5151
  • 7.58 mi
    John Smrcina
    3117 S Carrier Pkwy, Grand Prairie, TX 75052
    (972) 262-2672
  • 7.58 mi
    Tim Bordelon
    3117 S Carrier Pkwy, Grand Prairie, TX 75052
    (972) 262-2672
  • 7.58 mi
    Bill Gonsiorek
    3175 S Carrier Pkwy, Grand Prairie, TX 75052
    (972) 642-3400
  • 7.58 mi
    TWFG Insurance Services - Tom Blasutta
    3200 S Carrier Pkwy Ste 102, Grand Prairie, TX 75052
    (972) 264-2192
  • 7.58 mi
    Teresa L Hockett
    594 W Interstate 20 Ste 235, Grand Prairie, TX 75052
    (972) 263-5300
  • 7.58 mi
    Andrew Kacz
    2993 S Highway 360 Ste 300, Grand Prairie, TX 75052
    (774) 218-9270
  • 7.58 mi
    Joshua Barger
    2993 S Highway 360 Ste 300, Grand Prairie, TX 75052
    (972) 206-1234
  • 7.58 mi
    St Pierre Insurance Agency
    2993 S Highway 360 Ste 100, Grand Prairie, TX 75052
    (972) 623-1564
  • 7.58 mi
    David Phillips
    325 W Westchester Pkwy Ste 200, Grand Prairie, TX 75052
    (972) 262-0880
  • 7.58 mi
    Charlie England
    4242 S Carrier Pkwy, Grand Prairie, TX 75052
    (972) 264-3276
  • 7.58 mi
    Kirk England
    4242 S Carrier Pkwy, Grand Prairie, TX 75052
    (972) 262-1361
  • 7.58 mi
    Deena Dixon
    2305 W Interstate 20 Ste 140, Grand Prairie, TX 75052
    (972) 602-3100
  • 7.58 mi
    Shashi Dayalji
    2304 Bardin Rd Ste 101, Grand Prairie, TX 75052
    (469) 717-0807
  • 7.58 mi
    Jesus Armendariz
    2985 S State Highway 360 Ste 203, Grand Prairie, TX 75052
    (214) 300-9616
  • 7.58 mi
    Craig Darden Insurance
    1801 W Polo Rd Ste 108, Grand Prairie, TX 75052
    (972) 660-6027
  • 7.58 mi
    Maria Gonzales
    1801 W Polo Rd Ste 126, Grand Prairie, TX 75052
    (972) 206-0211
  • 7.58 mi
    Tuan Nguyen
    5115 Lake Ridge Pkwy Ste 160, Grand Prairie, TX 75052
    (972) 660-1700
  • 7.58 mi
    David Peterson
    2580 W Camp Wisdom Rd Ste 400, Grand Prairie, TX 75052
    (972) 660-5999
  • 7.58 mi
    Adam Rope
    5244 S Highway 360 Ste 372, Grand Prairie, TX 75052
    (972) 522-7888
View all agents ↓

Learn More About Car Insurance in Grand Prairie, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.

References

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.