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 AverageState AverageNational Average
$2,138$1,792$1,569


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 ScoreAverage Auto Insurance Rate
Very Poor$3,808
Fair$2,477
Good$2,138
Very Good$2,016
Exceptional$1,868


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/IncidentAverage Annual Premium
DUI$2,947
Reckless Driving$3,012
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/GenderAverage Rate
Female$2,125
Male$2,138
Single$2,138
Married$1,925
Divorced$2,138
Widowed$2,026


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
AgeAverage Rate
Teenagers$6,841
20s$2,696
30s$2,111
40s$2,051
50s$1,828
60s$1,902
70s$1,995


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.

81

Rainy Days a Year

38"

Avg. Annual Rainfall

2"

Avg. Annual Snowfall

Be Prepared For

Driving in the Big D

2
Major Highways
I-30 I-35 U.S. 75
2
Toll Roads
Dallas North Tollway International Parkway Sam Rayburn Tollway
2
Popular Day Trips
Marfa Palo Duro Canyon Enchanted Rock

Find Local Dallas Agents

Champion Commercial Insurance

3025 Commerce St Dallas, TX 75226

Benefit Resource Group

6211 W. Northwest Hwy Dallas, TX 75225

Bibby, Brilling & Associates, LLP

5031 McKinney Ave Dallas, TX 75205

Davidson Stewart Morelock Independent Insurance Group

3110 Webb Ave Dallas, TX 75205

CoVerica

5999 Summerside Dr Ste 200 Dallas, TX 75252

Harris F. Underwood III, Inc.

3114 Main Street Dallas, TX 75226

Frederiksen & Frederiksen

12900 Preston Road, Suite 500 Dallas, TX 75230

TexCap-Concord Insurance Services, LP

13465 Midway Rd Ste 200 Dallas, TX 75244

Stogner & Associates Insurance

5538 South Hampton Road Dallas, TX 75232

Bell Insurance

16980 Dallas Pkwy Dallas, TX 75248

AmeriCap Insurance Group LLC

15770 N. Dallas Parkway Dallas, TX 75248

Twfg- Burridge Family Insurace

10925 Estate Lane Suite 148 Dallas, TX 75238

2

$1,694

The average Dallasite's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

271

That's equal to 271 cups of coffee or $678 in savings

See How Much You Can Save in Dallas

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Recent Questions:

Dallas Car Insurance

Can I cancel insurance on a financed vehicle if I have gap insurance?

In most cases, gap insurance is only applicable if the vehicle is totaled in an accident — not due to mechanical or motor issues due to wear-and-tear. So it would not apply in your situation.

Can I pay for all my insurance policies at once?

Each policy would be separate. They would take out a different payment for each policy.

Driving record transfer from state to state

Most companies will only run the current MVR so in your case Texas would be pulled and the Illinois ticket will not show up. The issue would be if the underwriters pull the Illinois records and see the ticket they will add it to your policy after you have bound it.

At-fault driver gave me the wrong information

I would contact the police with what info you have. If you have the plate they should be able to locate the owner and either pull his insurance info or track them down to get it again.