Car Insurance in Dallas, TX

Texas Farm Bureau offers the cheapest car insurance in Dallas at $176/mo.
Compare and save on auto insurance in or near Dallas, TX with The Zebra.

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By Beth Swanson

Updated April 16, 2026

Reviewed By Renata Balasco

Edited By Kristine Lee

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Cheap companies in Dallas, TX
Rates after an accident or ticket
Why is car insurance in Dallas so expensive?
Dallas auto insurance FAQs

How much does car insurance cost in Dallas?

Car insurance in Dallas averages $1,477 ($246 per month), which is more than the average premium in Texas ($1,241) and the national average ($1,084).

Texas Farm Bureau is the cheapest option for most drivers looking to save, with full coverage rates around $176 per month.

*While USAA offers the cheapest rates in Dallas, it's excluded as our top choice due to its strict eligibility guidelines. The Zebra focuses on providers accessible to the most consumers. If you're eligible for USAA, it's an excellent choice.

Car insurance quotes in Texas

Texas drivers in and near Dallas saved money on car insurance recently using The Zebra:

This quote from National General helped a Volkswagen Jetta driver in Llano, TX cut their insurance costs.

Drivers in Round Rock, TX are getting smart deals on Jeep CJ-7 coverage from Travelers Insurance.

Our licensed agents guided a driver in Weatherford, TX find this smart deal on their Chevrolet Malibu with The General.

Our licensed agents guided a driver in El Paso, TX find this smart deal on their Chevrolet Malibu with Mercury Insurance Group.

Our licensed agents guided a driver in San Antonio, TX find this smart deal on their Dodge Dakota with Dairyland Insurance.

Our licensed agents guided a driver in Arlington, TX find this smart deal on their Toyota Corolla with Root Insurance.

*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheap liability and full coverage auto insurance in Dallas

In 2026, Texas Farm Bureau offers Dallas’ lowest full coverage rates at $176 per month. USAA is also a good option for military members and their immediate families.

Full coverage generally includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 35% of Dallas drivers carry only the state’s minimum required coverage, which is enough to stay legal but may not protect your finances after an accident.

You can also add options like roadside assistance or uninsured motorist coverage. They add a small cost but can save you from expensive out-of-pocket bills later, which we think makes them worth considering.

6-month rates for liability vs. full coverage rates in Dallas, TX

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Company	Full coverage	State minimum
USAA	$954	$365
State Farm	$1,059	$426
GEICO	$1,331	$497

Source: The Zebra

Agent Insight: Are there specific risks for city drivers that insurance companies may not want to cover?

"It isn't always NYC or LA, but even in Texas, big cities like Dallas and Houston have rates much higher than in other parts of the state. There's more traffic and congestion, which leads to more accidents, and sometimes vehicles that are more expensive."

-Erick Sosa, Licensed Agent and Manager at The Zebra

Shop around for the best rates

Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in Dallas.

Are you paying too much for auto insurance?

Agency Hours in Dallas, TX

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Monday - Friday: 7:00 AM - 11:00PM CT
Saturday - Sunday: 9:00AM - 8:00PM CT

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Car insurance rates after an accident in Dallas

In Dallas, an at-fault accident can raise your car insurance by $1,032 for a 6-month policy. GEICO offers the lowest average rates after an accident, while USAA is the best alternative for those who qualify for membership.

Keeping a clean driving record is the best way to avoid these increases. Premiums can go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious infractions (like DUIs) can affect your rates even longer.

Cheapest car insurance with violations in Dallas, TX

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Source: The Zebra

Average premiums after violations in Dallas

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Accident/Violation	Avg. 6 Mo. Premium	Increase
None	$1,555	$0
One comp claim	$1,634	$79
Speeding 16 - 20 MPH over limit	$1,823	$268
At-Fault Accident	$2,587	$1,032
Leaving scene of an accident/hit and run	$2,594	$1,039
DUI	$2,741	$1,186

Source: The Zebra

Why is car insurance in Dallas so expensive?

Dallas drivers pay higher rates due to a mix of local risks, weather, and driving trends.

Cost of Living: 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.
Weather: 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.
Drivers: 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.

Dallas drivers' individual car insurance rates are determined by insurers based on a range of rating factors that insurers use to assess the level of risk they pose. Such rating factors can include age, gender, location, credit score and others. Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary.

Local insights

Drivers near you in Dallas weigh in

"I'm new to Dallas. I recently moved here from Oregon and one thing that stands out the most while driving on the freeways, is all the missing bumpers or other car damage. Does it cost more to repair your car here in Dallas or is it insurance that is not good?"

-Reddit user on r/Dallas^[1]

"Today was the 2nd time in 3 weeks I've been rear ended in a hit and run/uninsured driver situation. My car is still in the shop from somebody without insurance rear ending me and then I was rear ended AGAIN today while driving my husband's car."

-Reddit user on r/Dallas^[2]

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Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.

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Dallas car insurance FAQs:

How much is car insurance in Dallas?

The average for a six-month auto insurance policy in Dallas is $1,477 for a six-month policy or $246 per month. This is more expensive than than both the national and Texas state averages.

What is the cheapest car insurance in Dallas?

Texas Farm Bureau has the lowest full coverage rates in Dallas, averaging $1,054 per six-month policy. For minimum coverage, Progressive's average rate is about $352 for six months.

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.

Can I lower my coverage to save money?

If your car is financed, you’ll need collision and comprehensive coverage. Once it’s paid off, you can drop them, but only if you can afford to cover repairs or replacement yourself. As a rule, keep as much coverage as you can comfortably afford.

What's the best way to save on car insurance in Dallas?

Compare quotes from multiple companies, bundle your auto policy with home or renters insurance, and look for discounts for safe driving or low mileage. You can also lower costs by raising your deductible or choosing a car that’s cheaper to insure.

Sources

Why is there so much car damage in Dallas? Reddit.com
Is Dallas just riddled with uninsured drivers or am i just unlucky? Reddit.com

Questions from Dallas drivers:

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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.