How much does auto insurance cost in Dallas?
The average cost of auto insurance in Dallas is $1,680 per year. That's greater than the average across Texas ($1,415) and more expensive than the national average of $1,548. How much you'll pay for an auto insurance policy is determined by a number of factors. Even the car insurance provider you choose can impact how much you'll pay, as policies are underwritten differently by each auto insurer.
Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Dallas.
DALLAS AUTO INSURANCE RATES
|Dallas Average (annual)||Texas Average||U.S. Average|
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Dallas auto insurance rates by company
For a typical insurance customer, USAA provides Dallas's cheapest rates. However, eligibility is reserved for members of the armed forces. The company-by-company differences in car insurance rates can be substantial, so it's important to compare auto insurance quotes thoroughly and choose your insurer carefully. Because your driving profile changes over time, the best car insurance company for you is likely to change as well. This is why it's important to get a quote from time to time to ensure you're still getting the most affordable car insurance.
Policyholders can also expect the car insurance coverage that they choose to have an impact on rates. Most states have a minimum coverage requirement for bodily injury and property damage liability insurance, but there are additional options worth considering. To protect your vehicle, many drivers opt for collision coverage and comprehensive coverage (referred to as "full coverage" when added together). These coverage options can increase your rates quite a lot and also require a deductible. The lower your deductible, the more expensive your insurance rates will be. Other add-ons like roadside assistance or uninsured motorist coverage are worth considering as well. auto insurance coverage. These coverages can add to your overall insurance premiums, but many insurance professionals still recommend adding them to your car insurance policy to protect both you and your vehicle.
Most insurance providers also offer car insurance discounts. These could include discounts for good drivers, safety features, and for bundling your renters or homeowners with your auto insurance. Those looking for cheaper car insurance rates should inquire about such discounts when searching for a new policy.
Below you'll find some of the cheapest car insurance companies in Dallas — but don't forget to look for free car insurance quotes to match your driving profile.
DALLAS AUTO INSURANCE RATES BY COMPANY
|Insurer||Average Rate (annual)|
Dallas auto insurance premiums by age
The age group that pays the least for car insurance in Dallas are drivers in their 50s ($1,460per year). Those in their 60s don't pay much more ($1,511).
Overall, young drivers can expect to pay higher rates. Teen drivers pay Dallas's most expensive auto insurance rates. When drivers hit their 20s in Dallas and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Dallas is $2,099, the largest such difference between any two age groups.
DALLAS AUTO INSURANCE PREMIUMS BY DRIVER AGE
|Age group||Average Annual Rate|
Dallas car insurance premiums by gender and marital status
Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In Dallas, married motorists pay $113 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Dallas, single drivers pay more than those who are widowed.
Gender is yet another factor that can affect auto insurance premiums. In Dallas, males pay $10 more each year for car insurance than do female drivers.
DALLAS CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Dallas car insurance costs by accident and violation history
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Dallas drivers found guilty of reckless driving face insurance rate increases of $914 per year, compared to the citywide average. A DUI violation may lead to a $935 increase, while a citation for speeding leads to a $141 rate hike.
DALLAS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Citation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$2,145|
|At-fault Accident (damages > $2,000)||$2,552|
|Speeding Ticket (16-20 mph over speed limit)||$1,821|
Dallas car insurance premiums by credit tier
In many cases, a driver's credit level is closely correlated with their auto insurance rates. Dallas drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Dallas, improving your credit to "Fair" could help you earn $1,451 in savings on insurance premiums each year.
DALLAS CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Tier||Average Yearly Rate|
What drives up car insurance rates in Dallas?
Where you live in Dallas affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Dallas is no exception to the rule. From ZIP code 75287 to 75242, premiums rise by 36 percent—that’s $511.
Expensive Dallas ZIP codes: 75247, 75260, 75207, 75241, 75242
Cheap Dallas ZIP codes: 75287, 75252, 75248, 75098, 75214
Dallas Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Dallas, you can expect 81 rainy days with an annual rainfall of 37.6 inches. Dallas is also known to experience thunderstorms and flash floods.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in the Big D
Major HighwaysI-30 I-35 U.S. 75
Toll RoadsDallas North Tollway International Parkway Sam Rayburn Tollway
Car Insurance Companies in Dallas
Find Local Dallas Agents
Bibby, Brilling & Associates, LLP
5031 McKinney Ave, Dallas, TX 75205
Champion Commercial Insurance
3025 Commerce St, Dallas, TX 75226
5999 Summerside Dr Ste 200, Dallas, TX 75252
Frederiksen & Frederiksen
12900 Preston Road, Suite 500, Dallas, TX 75230
Benefit Resource Group
6211 W. Northwest Hwy Suite 151, Dallas, TX 75225
Stogner & Associates Insurance
5538 South Hampton Road, Dallas, TX 75232
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Ste 150, Dallas, TX 75205
Harris F. Underwood III, Inc.
3114 Main Street, Dallas, TX 75226
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Ste. 600, Dallas, TX 75248
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200, Dallas, TX 75244
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148, Dallas, TX 75238
16980 Dallas Pkwy Suite 210, Dallas, TX 75248
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