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.
Enter your ZIP code to start your search:
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.
Enter your ZIP code to start your search:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Dallas at the right price.
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.Â
*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.Â
Car insurance quotes in Texas
Texas drivers in and near Dallas saved money on car insurance recently using The Zebra:
Drivers in Leander, TX are getting smart deals on Chevrolet TrailBlazer coverage from Bristol West.
Our licensed agents guided a driver in Austin, TX find this smart deal on their Honda CR-V with Clearcover.
This quote from Root Insurance helped a Ford Explorer driver in Lubbock, TX cut their insurance costs.
Drivers in Franklin, TX are getting smart deals on Kia Soul coverage from Progressive.
Our licensed agents guided a driver in Brenham, TX find this smart deal on their Nissan Truck with Safeco.
Drivers in Pflugerville, TX are getting smart deals on MINI Countryman coverage from GEICO.
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.
Source: The Zebra
"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?
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.
Source: The Zebra
Updating data...
| 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.
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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.
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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.
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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.Â
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.
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
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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.