How Much Does Auto Insurance Cost in Dallas?
Premiums in Dallas, which surpass the state average by $346, are recognized for being costly. While this can be painful for your pocketbook, having at least minimum liability coverage is crucial in the event of an auto accident. This insurance covers the basics and keeps you on the right side of the law.
Finding affordable car insurance in Dallas is possible. By knowing more about how your coverage costs are calculated, you can make informed choices that can impact what you are paying. Your insurance provider looks at many factors when putting your policy together, including your driving record and the type of vehicle that you own. So, if cutting costs on insuring a vehicle is your goal, you can start to save money by following our tips for finding cheap auto insurance in Dallas.
AUTO INSURANCE PREMIUMS: DALLAS VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Dallas Car Insurance by Credit Rating
Your credit history can play a big part in how much you pay for your policy. An insurance provider can see someone with poor credit as a potential liability. Improving your credit score can save you a good sum of money. Those in the bottom credit tier (300-579) typically pay more than twice as much on premiums than those in the top credit tier (800-850). The greatest benefit of better credit comes from boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save nearly $1,331 per year.
DALLAS AUTO INSURANCE COSTS BY CREDIT TIER
|Credit Score||Average Auto Insurance Rate|
Dallas Auto Insurance by Accident or Violation History
Perhaps unsurprisingly, your driving history can have an impact on what you pay for your insurance coverage. If you don't have a clean driving record, your insurance provider will most definitely increase your premiums. Being involved in an auto accident or a string of moving violations like speeding can cost you money on your policy. All in all, if you want to find cheap auto insurance for your vehicle, safe driving habits could be a great help.
Do you realize how much a car accident or violation history can cost you in terms of car insurance rates? An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Being at-fault in an accident with damages exceeding $2,000 costs you another $483 per year in premiums compared to an accident with damages less than $1,000. Drivers with a DUI in Dallas have rates that surpass the city average ($2,138) by $809. Reckless driving will bump up the cost of your insurance policy as well, with average rates of $3,012.
AVERAGE DALLAS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Annual Premium|
|At-fault Accident (damages less than $1,000)||$2,764|
|At-fault Accident (damages greater than $2,000)||$3,247|
|Speeding Ticket (16-20 mph over speed limit)||$2,246|
Dallas Auto Insurance by Gender and Marital Status
In Dallas, there are many driver characteristics that can play a role in car insurance premiums, including gender and marital status. While many may think that males pay substantially more for coverage, on average their premiums are only slightly more costly than those for females.
However, your marital status can actually change your premiums quite a bit. Single individuals spend approximately $210 more per year compared to those who are married. Rates for those who are widowed are also significantly cheaper than rates for those who are single.
DALLAS AUTO INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Dallas Car Insurance Rates by Age
In Dallas, when drivers hit their 20s—and move out of their teenage years—they pay $5,013 less in premiums. You won't see a more significant gap between any other age group. Turning 60 triggers an increase in car insurance premiums, but up until that point drivers can anticipate premium reductions when they transition between age groups. At $1,828, drivers in their 50s have the smallest car insurance premiums among any age group. However, those in their 60s ($1,902) aren’t paying much more. Teenage drivers have the biggest premiums out of all the age groups, with typical car insurance payments of $6,841.
DALLAS AUTO INSURANCE PREMIUMS 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
16980 Dallas Pkwy Dallas, TX 75248
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200 Dallas, TX 75244
5999 Summerside Dr Ste 200 Dallas, TX 75252
Harris F. Underwood III, Inc.
3114 Main Street Dallas, TX 75226
Stogner & Associates Insurance
5538 South Hampton Road Dallas, TX 75232
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Dallas, TX 75248
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230
Benefit Resource Group
6211 W. Northwest Hwy Dallas, TX 75225
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Dallas, TX 75205
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
Bibby, Brilling & Associates, LLP
5031 McKinney Ave Dallas, TX 75205
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