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Beth Swanson

SEO Content Strategist

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Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Nathan Foster

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Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

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Kristine Lee

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Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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
Dallas Average $1,170
Texas Average $990
Updated: 11/30/23.

The cheapest car insurance companies in Dallas

1st place medal
1st place: GEICO

GEICO is the cheapest option for car insurance in Dallas, coming in at $137 per month or $822 for a six-month policy.

2nd place medal
2nd place: Nationwide

In second place is Nationwide, which costs $150 per month ($902 for six months).

3rd place medal
3rd place: State Farm

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.

The Zebra's key takeaways about car insurance in Dallas:

  • The average cost of a car insurance policy in Dallas is $1,170 per six-month policy — $195 per month.
  • The cheapest company in Dallas is GEICO ($822).
  • Dallas ranks as the fourteenth most expensive city for car insurance in Texas.
  • 43% of Zebra customers in Dallas stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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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
Company Avg. 6 Mo. Premium
GEICO $822
Nationwide $902
State Farm $932
USAA $990
Texas Farm Bureau $1,041
Progressive $1,370
Allstate $1,562
Updated: 11/30/23.

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.

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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
Company Avg. 6 Mo. Premium
Texas Farm Bureau $1,984
GEICO $2,089
USAA $2,218
State Farm $3,149
Nationwide $3,361
Progressive $6,449
Allstate $6,785
Updated: 11/30/23.
Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s GEICO $1,017
30s Nationwide $891
40s Nationwide $853
50s Nationwide $783
60s Texas Farm Bureau $786
70s Texas Farm Bureau $851

Zebra Tip: The cheapest companies for Dallas drivers between 20-40 are GEICO, Texas Farm Bureau and USAA


The majority of drivers in Dallas fall between the ages of 20 and 40. On average, this group pays $1,346 every six months. By going with these companies, these groups can potentially save more than 10%. It's important to remember that USAA is only available to military members and their families.

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
Company Avg. 6 Mo. Premium
GEICO $317
USAA $360
Texas Farm Bureau $437
Allstate $441
State Farm $441
Nationwide $476
Progressive $509
Updated: 11/30/23.

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.

car insurance in dallas by credit score
Cheapest car insurance companies for bad credit in Dallas, TX
Company Avg. 6 Mo. Premium
GEICO $1,272
Nationwide $1,402
State Farm $1,922
USAA $1,968
Texas Farm Bureau $1,983
Allstate $2,381
Progressive $2,401
Updated: 11/30/23.

Zebra Tip: If you recently improved your credit score, shop around for car insurance!


According to our research, drivers in Dallas who have "Fair" credit pay $1,146 less for car insurance in a year than drivers with "Poor" credit. Your credit score can have a significant impact on your auto insurance rates, so it's a good idea to keep an eye on your credit score and take steps to improve it if necessary. Even small improvements can lead to big savings on your car insurance premiums.

Auto insurance rates with an at-fault accident

At-fault and collision-type accidents are the most common types of auto insurance claims in Dallas. If you're found to be at fault in an accident, your rates may increase.

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
Company Avg. 6 Mo. Premium
State Farm $1,128
GEICO $1,195
Nationwide $1,488
USAA $1,513
Texas Farm Bureau $1,653
Progressive $1,985
Allstate $2,468
Updated: 11/30/23.

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
None $1,170 0% $0
One Med/PIP claim $1,180 1% $10
One comp claim $1,243 6% $73
Not-at-fault accident $1,249 7% $79
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
Improper passing $1,312 12% $142
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
Illegal turn $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
Racing $1,651 41% $481
Reckless driving $1,676 43% $506
Leaving scene of an accident/hit and run $1,706 46% $536
Open container $1,726 48% $556
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
DUI $1,961 68% $791
Updated: 11/30/23.

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.

money
Costs

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.

location
Location

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

Weather
Weather

Certain areas prone to hurricanesflooding 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. 

drivers
Drivers

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.

Zebra Tip: Use your comprehensive coverage to protect your vehicle against hail


Many drivers underestimate the risks associated with severe weather events. But Texas actually ranked #1 for the most hail events in 2022 and also experienced 160 tornadoes that same year.[1] If your car is damaged in a tornado or hail storm and you only carry the state minimum insurance, you could be facing a hefty bill. To protect yourself from these unexpected costs, consider adding comprehensive coverage to your insurance policy. With comprehensive coverage, you'll have the peace of mind that comes with knowing you're covered no matter what Mother Nature throws your way.


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.

bundling home and auto insurance in Dallas
Cheapest car insurance companies for bundling home and auto insurance in Dallas, TX
Company Avg. 6 Mo. Premium
GEICO $770
State Farm $781
Nationwide $811
USAA $907
Texas Farm Bureau $949
Progressive $1,156
Allstate $1,307
Updated: 11/30/23.

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.

Find the best rates for both auto and home insurance in minutes!

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Frequently asked questions

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.

GEICO is the carrier with the cheapest rates in Dallas, coming in at an average of $822 per six-month policy.

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.


Find affordable rates in minutes!

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How much is car insurance near me? — explore more cities near Dallas, TX


Recently answered questions about car insurance in Dallas from real Zebra customers

Car insurance near me in Dallas

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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.