Dallas, TX Car Insurance
How much does car insurance cost in Dallas?
Drivers in Dallas may find that car insurance can be costly, with an average six-month premium of $1,170 or $195 per month. These rates are higher than both the state average in Texas and the national average ($990 and $742 respectively). According to our data, 43% of our customers in Dallas believe they are overpaying for their car insurance coverage.
For drivers in Dallas, GEICO may be an excellent option for affordable car insurance. Our 2023 data shows that the company currently offers rates that are almost 30% lower than the standard rate in Dallas, with a six-month policy costing just $822. Whether you're happy with your current insurance provider or looking to switch, The Zebra can help you find the best policy for your needs in Dallas. We'll take into account factors such as your age, credit score, and where you live to ensure that you're getting the best possible rates.
|Car Insurance in Dallas vs. Texas||Avg. 6 Mo. Premium|
The cheapest car insurance companies in Dallas
GEICO is the cheapest option for car insurance in Dallas, coming in at $137 per month or $822 for a six-month policy.
In second place is Nationwide, which costs $150 per month ($902 for six months).
Third on our list is State Farm. On average, a State Farm policy in Dallas costs $932 per six-month policy or $155 per month.
Are you paying too much for auto insurance?
Dallas car insurance rates by company
In Dallas, our 2023 data reveals that the most affordable car insurance company for full coverage is GEICO, with a six-month policy costing just $822 or $137 per month. Nationwide comes in as the second cheapest option, with a six-month policy costing $880 or $147 per month. If you're interested in learning more about top-rated car insurance companies in Dallas, be sure to check out The Zebra's Customer Satisfaction Survey.
Cheapest car insurance companies in Dallas, TX
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
To discover inexpensive car insurance that fits your requirements, it's important to compare rates and shop around. Our practical comparison tools will handle the hard part for you, so you can focus on selecting the right coverage. Enter your ZIP code to view rates from leading providers like Progressive, State Farm, Allstate, and others, and discover the best and cheapest car insurance in Dallas.
Average car insurance in Dallas by rating factor
Car insurance companies use a variety of rating factors to determine the cost of your policy. These rating factors, such as age, gender, location, and credit score, help insurers assess the level of risk you pose as a driver.
While most insurance providers use similar rating factors, the impact they have on your premium can vary widely.
If you're looking for affordable and comprehensive car insurance, it's important to compare quotes from multiple providers to find the best rates for your unique rating factors.
Q: I didn't have an accident — Why is my insurance going up?
A: In Dallas, end-of-year earnings play a major role in determining the cost of car insurance. Insurance providers in the city use revenue from premiums versus the cost of paying out claims to assess the level of risk drivers pose. Even if you haven't made any claims and have a good driving record, you may still end up paying more with certain providers due to the increased cost of doing business in Dallas.
Auto insurance premiums by age in Dallas
In Dallas, age is a crucial factor that insurance companies consider when setting car insurance rates. Drivers of a younger age often have less experience on the road, leading to higher accident rates. Insurance companies use this data to assess how likely drivers are to get into an accident, and as a result, teen drivers in Dallas typically face the highest insurance rates. The difference in rates for teen drivers and drivers in their 20s is over $4,000 per year in Dallas, which is the largest difference between any two age groups.
Cheapest car insurance companies for teen drivers in Dallas, TX
Auto insurance premiums for minimum coverage in Dallas
Although minimum coverage may seem like the most affordable option, it might not provide the necessary protection for every driver. In Dallas, 35% of drivers opt for basic coverage, which might not offer enough protection in case of an accident. It is always recommended to compare quotes from multiple insurance companies to determine which level of coverage best suits your needs.
Full coverage car insurance, which includes collision and comprehensive coverage, can provide added peace of mind on the road. However, it's important to note that this type of coverage typically comes with a deductible and a higher premium. If you want to keep costs down while still having extra protection, consider increasing your deductible when opting for full coverage.
Roadside assistance or uninsured motorist coverage are additional options you can consider when purchasing an insurance policy. These options can help safeguard you against uninsured drivers and add an extra layer of protection in the event of an accident. Although your rates may increase, The Zebra's experts recommend carrying them along with full coverage.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
If you're leasing or financing your car in Dallas, you'll be required to carry certain levels of insurance coverage. However, if you own your car outright, you may be able to save money by dropping your comprehensive or collision coverage. It's important to evaluate the value of your car before doing so, as it may not be worth carrying these coverages if your vehicle is worth less than $4,000. Just keep in mind that without comprehensive or collision coverage, you'll be responsible for paying for any damages out of pocket.
Cheapest car insurance companies for minimum coverage in Dallas, TX
35% of our customers in Dallas opt for the basic level of coverage, but this doesn't mean it is the option for you. It really depends on your habits, peace of mind, budget, and other personal preferences. If you're considering carrying only the state minimum coverage to save money, be aware that although it is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Texas' 30/60/25 liability limits provide coverage for damage you cause up to $30,000 per person in bodily injury, $60,000 per accident in bodily injury and $25,000 for property damage. While this may be sufficient for most straightforward car accidents, it might not be for bodily injury claims or multi-vehicle accidents.
Learn more about insurance laws in Texas.
Dallas car insurance rates by credit score
Credit score is one of the significant factors that can affect your auto insurance premium in Dallas. Even if you have a clean driving record, a poor credit score can still increase your rates. This is because insurance companies have found that drivers with lower credit scores tend to file more claims and be involved in more accidents, which can result in higher insurance costs.
Cheapest car insurance companies for bad credit in Dallas, TX
Auto insurance rates with an at-fault accident
Whether you're driving in Dallas or anywhere else, driving safely and avoiding accidents and violations is crucial to keeping your auto insurance rates in check. Violations can impact your rates differently, but most will stay on your record for a few years. Severe violations like DUI or reckless driving can lead to significant rate increases that can stay on your record for many years, while minor infractions like running a stop sign or forgetting to signal may not have as big of an impact. The best approach is to avoid violations altogether and keep a clean driving record to enjoy the most affordable rates possible.
Cheapest car insurance companies after an at-fault accident in Dallas, TX
Dallas car insurance rates by violation
Below you can see how different violations and claims will increase your rate in Dallas.
Car insurance rate increases after violations and citations in Dallas, TX
|Accident/Violation||Avg. 6 Mo. Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,180||1%||$10|
|One comp claim||$1,243||6%||$73|
|Failure to show documents||$1,250||7%||$80|
|Driving with expired registration||$1,259||8%||$89|
|Two Med/PIP claims||$1,263||8%||$93|
|Failure to wear a seat belt||$1,267||8%||$97|
|Driving without lights||$1,268||8%||$98|
|Child safety restraint||$1,275||9%||$105|
|Cell phone violation||$1,297||11%||$127|
|Texting while driving||$1,297||11%||$127|
|Speeding 16 - 20 MPH over limit||$1,300||11%||$130|
|Speeding 11 - 15 MPH over limit||$1,300||11%||$130|
|Speeding 6 - 10 MPH over limit||$1,300||11%||$130|
|Driving too slowly||$1,305||12%||$135|
|Speeding in school zone||$1,305||12%||$135|
|In 65 MPH zone||$1,308||12%||$138|
|Failure to stop at a red light||$1,309||12%||$139|
|Two comp claims||$1,311||12%||$141|
|Speeding 21 - 25 MPH over limit||$1,313||12%||$143|
|Wrong way/wrong lane||$1,316||12%||$146|
|Failure to yield||$1,318||13%||$148|
|Following too closely||$1,320||13%||$150|
|Passing school bus||$1,327||13%||$157|
|Operating a vehicle without permission||$1,334||14%||$164|
|At-fault accident - less than $1000||$1,453||24%||$284|
|Driving with a suspended license||$1,645||41%||$475|
|Leaving scene of an accident/hit and run||$1,706||46%||$536|
|At-fault accident - $1000-$2000||$1,860||59%||$690|
|At-fault accident - greater than $2000||$1,867||60%||$697|
|Refusal to submit to a chemical test||$1,939||66%||$769|
Why is car insurance in Dallas so expensive?
In Dallas, auto insurance rates can be expensive due to a number of factors. One reason is the city's growing population and an overall increase in traffic, which can lead to more accidents and claims. Additionally, the rising cost of vehicle repairs and medical expenses can contribute to higher rates. Insurance companies also have to cover their operating costs, which means increasing rates. Auto insurance can also be expensive for other reasons, such as the type of vehicle you drive and your personal driving history. Let's examine why insurance rates can be high in the Dallas area, regardless of a driver's history.
Many cities have experienced an increased cost of living for residents over the last few years, which usually means an increased cost of doing business for auto insurers. These increases are passed along to consumers through higher car insurance rates.
Your address plays a significant role in determining your car insurance rates, and it's not limited to your city and state. There are various ZIP codes in Dallas, and some are more prone to crime and theft than others. Some areas have a higher concentration of uninsured motorists, too. Drivers who live in high-crime neighborhoods will generally pay more than drivers who reside in safer ones. The most expensive and cheapest Dallas ZIP codes for car insurance rates are listed below.
Expensive Dallas ZIP codes: 75242, 75241, 75215, 75216, 75227
Cheap Dallas ZIP codes: 75098, 75287, 75252, 75248, 75234
Certain areas prone to hurricanes, flooding or other natural disasters are a higher risk of loss for insurance companies, so if you live in one of those areas you can expect to pay a bit more for coverage. Weather-related damage is covered under comprehensive coverage, so if you are concerned about possible damage from severe weather in Dallas, we recommend carrying comprehensive coverage.
When insurance companies take on the risk of drivers, they are also taking on the potential costs of claims. This means that even if you're a safe driver, you may end up paying higher premiums due to the higher risk posed by other drivers. It's important to keep this in mind when shopping for car insurance. Dallas also has a high rate of uninsured drivers, so if you're in an accident with an uninsured driver, you could end up paying the costs out of your own pocket. Consider adding uninsured motorist coverage (UMPD) to your auto insurance policy. UMPD can provide protection in the event of an accident with a driver who doesn't have insurance or doesn't have enough insurance to cover the damages.
Bundling insurance policies in Dallas
Even in Dallas, where insurance rates can be expensive, there are still ways to save. One of the most effective ways to save money is by bundling home and car insurance. By combining your homeowners or renters insurance with your auto insurance, you may be eligible for a 10% or greater discount. Don't forget to inquire about bundling discounts when searching for rates, to help lower your insurance costs.
The cost of car insurance is determined by a wide range of factors, from your driving record to the location where you live. While some of these factors may be out of your control, there are still steps you can take to lower your insurance rates. Shopping around for the best rates is one of the most effective ways to save money on car insurance, as different insurers may offer vastly different prices for similar levels of coverage.
Cheapest car insurance companies for bundling home and auto insurance in Dallas, TX
Don't let rising insurance rates leave you feeling helpless. There are several factors you have control over that can impact your premiums, such as your credit score and driving record. Keep your information up to date with your insurance company, and consider switching providers if you find a better deal that meets your coverage needs. It's generally a good idea to get new auto insurance quotes every six months to a year. Remember, you have the power to make choices that can help you save money on car insurance.
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Frequently asked questions
How much is car insurance in Dallas?
The average for a six-month auto insurance policy in Dallas is $1,170 for a six-month policy or $195 per month. This is more expensive than the national and Texas state averages.
What is the cheapest car insurance in Dallas?
GEICO is the carrier with the cheapest rates in Dallas, coming in at an average of $822 per six-month policy.
How much is car insurance in Dallas for teenagers?
Teenagers in Dallas pay over $3,500 for a six-month policy or about $588 per month. Because car insurance is so expensive for teen drivers who have their own policy, we recommend that young drivers be added to their parents' policies to significantly bring down the cost.
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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 editorial 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.