How Much Does Car Insurance Cost in Dallas?
In Dallas, it is especially critical to cut costs while insuring a vehicle because premiums in Dallas are known for being costly. They are generally $313 greater than the state average. Review our ways to save on Dallas car insurance and save money.
AUTO INSURANCE PRICES: DALLAS VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
Dallas Auto Insurance for High-Risk Drivers
Do you have a history of accidents or violations? That can have an impact on your premiums. Speeding 16-20mph over the speed limit can make insuring your vehicle more expensive. Those with a speeding ticket on their record usually pay 4% more per year. You can expect your yearly car insurance premiums to grow by $1,059 if you are found at-fault in an accident in Dallas.
AVERAGE DALLAS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Rate|
|At-fault Accident (damages less than $1,000)||$3,182|
|At-fault Accident (damages greater than $2,000)||$3,182|
|Speeding Ticket (16-20 mph over speed limit)||$2,211|
Dallas Auto Insurance by Gender and Marital Status
Car insurance rates in Dallas are affected by driver characteristics such as gender and marital status. Did you know that in your city marital status can actually change your premiums substantially? You can save around 10% per year if you're married as opposed to single or divorced. Rates for those who are widowed are also much cheaper than rates for those who are single. Premiums for women are generally cheaper than for men, but only by a small margin.
DALLAS CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Dallas Auto Insurance by Credit Rating
People with Very Poor credit (300-579) pay an average of more than twice as much each year for car insurance than those with Exceptional credit (800-850). Drivers will see the biggest percent reduction in premiums when they upgrade their credit from Very Good (740-799) to Exceptional (800-850). That change can save them 20% per year.
DALLAS CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Level||Average Rate|
Dallas Car Insurance by Driver Age
Teenage drivers are the ones who pay the most in car insurance premiums, with payments of $6,829 on average. When drivers reach their 20s in Dallas, therefore moving out of the teenage age bracket, they pay $4,255 less in premiums. You will not see a bigger change between any other age group. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time. At $1,815, drivers in their 50s have the smallest car insurance payments among any age group. Those in their 60s ($1,895) aren’t paying significantly more.
DALLAS CAR INSURANCE PRICES BY DRIVER AGE
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in the Big D
Major HighwaysI-30 I-35 U.S. 75
Toll RoadsDallas North Tollway International Parkway Sam Rayburn Tollway
Find Local Dallas Agents
Stogner & Associates Insurance
5538 South Hampton Road Dallas, TX 75232
Benefit Resource Group
6211 W. Northwest Hwy Dallas, TX 75225
5999 Summerside Dr Ste 200 Dallas, TX 75252
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Dallas, TX 75205
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Dallas, TX 75248
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230
Harris F. Underwood III, Inc.
3114 Main Street Dallas, TX 75226
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200 Dallas, TX 75244
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
Bibby, Brilling & Associates, LLP
5031 McKinney Ave Dallas, TX 75205
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
16980 Dallas Pkwy Dallas, TX 75248
The average Dallasite's annual cost of coverage
Our customer's average savings after comparing insurance
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Dallas Car Insurance
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