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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 AverageU.S. Average
$1,680$1,415$1,548

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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
InsurerAverage Rate (annual)
USAA$1,391
GEICO$1,430
State Farm$1,502
Allstate$2,937

Consult our expert guide to finding the best cheap car insurance.



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 groupAverage Annual Rate
Teenagers$4,281
20s$2,182
30s$1,654
40s$1,611
50s$1,460
60s$1,511
70s$1,861

Learn more about the impact of age on auto insurance rates.



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/GenderAverage Yearly Rate
Female$1,670
Male$1,680
Single$1,567
Married$1,567
Divorced$1,680
Widowed$1,530

Learn more about how gender and marital status have on car insurance rates.



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
CitationAverage Yearly Rate
DUI/DWI$2,614
Reckless Driving$2,593
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

Learn more about how citations can raise your auto insurance rates.



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 TierAverage Yearly Rate
Very Poor$3,541
Fair$2,090
Good$1,680
Very Good$1,561
Exceptional$1,381

Learn more about the relationship between poor credit and car insurance.



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.

81

Rainy Days a Year

38"

Avg. Annual Rainfall

2"

Avg. Annual Snowfall

Be Prepared For

Driving in the Big D

2
Major Highways
I-30 I-35 U.S. 75
2
Toll Roads
Dallas North Tollway International Parkway Sam Rayburn Tollway
2
Popular Day Trips
Marfa Palo Duro Canyon Enchanted Rock

Car Insurance Companies in Dallas

21st Century AAA Access Affirmative AFI Aggressive Insurance Allstate Amica Mutual Insurance AmWINS Heritage AmWINS Star Apparent AssuranceAmerica Branch Bristol West CAIC Cal Casualty Cinch Clearcover Commonwealth Dairyland Direct Auto Elephant Empower Encompass Esurance Falcon Farmers FIMC Foremost GAINSCO GEICO Germania Mutual Hallmark Hippo Infinity Jupiter Auto Kemper Auto Kemper Preferred Lamar General Agency Liberty Mutual Mendota Mercury MetLife MileAuto Multi-State National General Nationwide Progressive Pronto Pronto Flex Safe Auto Safeco Safeway Insurance Company State Auto State Farm Stillwater Texas Farm Bureau The General The Hartford Titan Travelers Unitrin UPC USAA Windhaven

Find Local Dallas Agents

Bibby, Brilling & Associates, LLP

5031 McKinney Ave, Dallas, TX 75205

Twfg- Burridge Family Insurace

10925 Estate Lane Suite 148, Dallas, TX 75238

AmeriCap Insurance Group LLC

15770 N. Dallas Parkway Ste. 600, Dallas, TX 75248

Stogner & Associates Insurance

5538 South Hampton Road, Dallas, TX 75232

Davidson Stewart Morelock Independent Insurance Group

3110 Webb Ave Ste 150, Dallas, TX 75205

TexCap-Concord Insurance Services, LP

13465 Midway Rd Ste 200, Dallas, TX 75244

CoVerica

5999 Summerside Dr Ste 200, Dallas, TX 75252

Champion Commercial Insurance

3025 Commerce St, Dallas, TX 75226

Bell Insurance

16980 Dallas Pkwy Suite 210, Dallas, TX 75248

Frederiksen & Frederiksen

12900 Preston Road, Suite 500, Dallas, TX 75230

Harris F. Underwood III, Inc.

3114 Main Street, Dallas, TX 75226

Benefit Resource Group

6211 W. Northwest Hwy Suite 151, Dallas, TX 75225

2

$1,694

The average Dallasite's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

271

That's equal to 271 cups of coffee or $678 in savings

See How Much You Can Save in Dallas

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Recent Questions:

Can I sell my vehicle if it is totaled?

A totaled vehicle is one where the cost of repairs is more than the value of the vehicle itself. If the vehicle is truly totaled, you can do what you'd like with it.
May 21, 2017 Dallas, TX

Do I have to add my son to my policy?

For the most part, insurance companies consider your residence address as the place you spend the majority of your time at. So, because your son uses your home address as his base and lists it on his driver licenses  as well as uses your vehicle often, you should add him to your policy.
Dec 26, 2017 Dallas, Texas

Why is my insurance $200 a month?

There are a few things to look at here. First, your at-fault accident.
Jan 27, 2018 Dallas, Texas

Do I have the right to tell my insurance company not to pay a liability claim?

Unfortunately my best advice would be to hire an attorney if you aren't able to successfully argue your liability in the accident with your adjuster or their supervisor. The decision to pay out liability is up to your insurance company since the funds for the repairs are coming from them.
Nov 5, 2016 Dallas, TX

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.