Car Insurance in Dallas
Saving while insuring a vehicle in Dallas is vital because Dallas premiums are known for being pricey. They are generally $313 greater than the state average. Who doesn't like to save money? Check out some tips about how to save on car insurance in Dallas.
- City Average: $2,123
- State Average: $1,810
- National Average: $1,427
Dallas Car Insurance by Credit Rating
For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are 110% more per year. Drivers can save nearly 20% per year when they upgrade their credit tier from Very Good (740-799) to Exceptional (800-850).
- Very Poor: $3,706
- Fair: $3,136
- Good: $2,603
- Very Good: $2,196
- Exceptional: $1,762
Dallas Car Insurance by Accident or Violation History
By knowing which driving mishaps can make the expense of rates spike, you can make better decisions and save money. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. If you are found at-fault in an accident in Dallas, expect your annual car insurance premiums to grow by $1,059. In Dallas, drivers with a DUI have rates 41% greater than the city average ($2,123). Reckless driving will push your rates up as well, with typical rates of $2,924, which are 38% higher than the city average.
- DUI: $2,995
- Reckless Driving: $2,924
- At-fault Accident (damages less than $1000): $3,182
- At-fault Accident (damages greater than $2000): $3,182
- Speeding Ticket (16-20 mph over speed limit): $2,211
Dallas Car Insurance by Gender and Marital Status
In Dallas, several driver characteristics, including marital status and gender, can play a role in car insurance premiums. However, the amount by which men's and women's car insurance premiums vary is trivial. Did you know that in your city marital status can actually change your premiums substantially? Being married can save you roughly 10% per year compared to being single. Rates for those who are widowed are also strikingly cheaper than rates for those who are single.
- Female: $2,109
- Male: $2,123
- Single: $2,123
- Married: $1,913
- Divorced: $2,123
- Widowed: $1,926
Dallas Car Insurance by Age
With car insurance payments of $6,829 on average, teenage drivers have the largest premiums of any age group. The most significant dip in premiums between any age group is from the teenage age range to the 20s, as drivers in Dallas start saving an average of 62% every year. The first time drivers can anticipate their age to trigger an increase in premiums is when they turn 60. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance rates among any age group, with rates of $1,815 per year. However, people in their 60s ($1,895) also have relatively low premiums.
- Teenagers: $6,829
- 20s: $2,574
- 30s: $2,093
- 40s: $2,028
- 50s: $1,815
- 60s: $1,895
- 70s: $2,355
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
5999 Summerside Dr Ste 200 Dallas, TX 75252
Bibby, Brilling & Associates, LLP
5031 McKinney Ave Dallas, TX 75205
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Dallas, TX 75205
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Dallas, TX 75248
Stogner & Associates Insurance
5538 South Hampton Road Dallas, TX 75232
Benefit Resource Group
6211 W. Northwest Hwy Dallas, TX 75225
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200 Dallas, TX 75244
Harris F. Underwood III, Inc.
3114 Main Street 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
See How Much You Can Save in Dallas
Click below to get free quotes in seconds!Start Saving Now!
Dallas Car Insurance
Sharing is Caring: How to Share the Road with Cyclists
Feb 13, 2018
In recent years, there has been an alarming increase in cyclist fatalities in the U.S., and according to the National...
Get Smart about Sinkholes: Is Your Home Protected?
Nov 08, 2017
There are altogether too many unfortunate scenarios which might cause damage to your home and property, and your home insurance...
Can You Bring a Gun in an Uber?
Oct 19, 2017
For many people, when rideshare companies like Uber and Lyft came onto the scene it completely changed how they viewed...
Uber vs. Lyft: Which is Better for Riders and Drivers?
Oct 12, 2017
In 2015, Josh Waldrum from The Zebra did an experiment to see if it was possible to give up your car...
Criminal Background Checks for Rideshare Drivers: Do You Believe in Second Chances?
Oct 10, 2017
If you knew your Uber or Lyft driver was convicted of a crime, would you still hitch a ride? What...
Is This the End of Car Ownership?
Sep 05, 2017
For many, driving a car is a rite of passage. I remember counting down the days until I could walk...
How to Protect Yourself and Your Home Against Wildfires
Aug 21, 2017
Ever used the expression “spread like wildfire?” Fire is an incredible force of nature, and while it has its uses...
Top Insurance Tech Conferences to Attend
Aug 16, 2017
Technology is quickly changing the landscape for many industries, and insurance is no exception. Consumers have access to online resources...
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Work Zone Safety: The Rising Danger Facing Workers AND Drivers
Jul 05, 2017
We’re in the peak season for deadly crashes in road-work zones, according to the Federal Highway Administration’s Work Zone Management...
What Questions Do Insurance Agents Get Asked Most? (An Ask-iversary)
Jun 23, 2017
Howdy, folks! This week marks the one-year anniversary of The Zebra’s resource for all of your insurance questions: Ask an...
Uber vs. Ambulances: Comparing Price, Safety & Response Time
Jun 21, 2017
Imagine it’s the middle of the night, and you wake up to intense pain. You’re alone and in no condition...
8 of America’s Favorite Pit Stops: Buc-ee’s vs. Wawa and Beyond
May 25, 2017
Picture this: You’re on a road trip, making great time, when all of a sudden you feel a familiar rumble...
Zipcar vs. car2go: Which Car Sharing Service is King?
May 09, 2017
Over the past few years, car sharing has taken the world by storm. Car sharing businesses are now operating in...
3 Tech Innovations That Will (Hopefully) Reduce Traffic
Apr 04, 2017
If there’s one thing everyone can agree to hate in this world, it’s traffic. People in the United States spend...
#ZebraChat on April 4: Distracted Driving Awareness Twitter Chat
Mar 29, 2017
April is Distracted Driving Awareness Month. Here at Quoted, we’ve written about this highly dangerous behavior in great detail. Here...
Everything You Need to Know about Buying a Car from Walmart
Mar 21, 2017
Soon people all over the U.S. may be able to come home with groceries for the week, new school clothes...
Is Government Disrupting Disruption? Mark Cuban & Adam Lyons Discuss at SXSW
Mar 15, 2017
On Sunday March 12, The Zebra Founder and CEO Adam Lyons joined Mark Cuban, entrepreneur, “Shark Tank” star, Dallas Mavericks...
Sweeten Up Your Sweetheart with a Delightfully Romantic (Driving) Date
Feb 10, 2017
We know celebrating Valentine’s Day isn’t always the coolest game in town, but we argue that any day with chocolate,...
Uber’s Latest: Should Driverless Cars Require Voter Approval?
Feb 09, 2017
Driverless vehicle technology isn’t ready for the mainstream public, but it’s getting there: automakers and technology giants across the world...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
You Just Paid Off Your Car, Now What?
Nov 30, 2016
Making the last payment on a car loan is a great accomplishment and, for most of us, a welcome relief....
‘Tis the Season to Volunteer (with Your Car)
Nov 29, 2016
For those looking to keep the spirit of giving alive this holiday season, the old standbys are still excellent: gift...
When Is It Worth It to Pay for More Liability Coverage?
Nov 23, 2016
Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...
Does Car Insurance Cover You Out of State?
Nov 14, 2016
Not only do traffic laws vary by state, auto insurance rules and coverage do too. And while the general idea of...