How Much Does Auto Insurance Cost in Dallas?
Premiums in Dallas, which surpass the state average by $346, are recognized for being costly. So cutting costs while insuring a vehicle in Dallas is especially crucial. Keep some cash in your pocket by following our tips and saving on auto insurance in Dallas.
AUTO INSURANCE PREMIUMS: DALLAS VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Dallas Car Insurance by Credit Rating
Improving your credit 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
Do you realize how much an 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 your rates up 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, many driver characteristics, including gender and marital status, can play a role in car insurance premiums. However, males have premiums that are only slightly more costly than those for females. Did you know that in your city marital status can actually change your premiums substantially? 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, therefore moving out of the teenage age range, 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
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Dallas, TX 75205
Bibby, Brilling & Associates, LLP
5031 McKinney Ave Dallas, TX 75205
Harris F. Underwood III, Inc.
3114 Main Street Dallas, TX 75226
5999 Summerside Dr Ste 200 Dallas, TX 75252
16980 Dallas Pkwy Dallas, TX 75248
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Dallas, TX 75248
Stogner & Associates Insurance
5538 South Hampton Road Dallas, TX 75232
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230
Benefit Resource Group
6211 W. Northwest Hwy Dallas, TX 75225
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200 Dallas, TX 75244
The average Dallasite's annual cost of coverage
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Dallas Car Insurance
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