How Much Does Auto Insurance Cost in Dallas?
Premiums in Dallas surpass Texas' average by 17%, which is why the city is recognized for its costly premiums, so it is crucial to cut costs while insuring a vehicle in Dallas. Let's take a look at how auto insurance costs in Dallas compare to rates nationwide.
AUTO INSURANCE COSTS: DALLAS VS. US/STATE AVERAGES
|City Average||State Average||National Average|
Dallas Auto Insurance by Gender and Marital Status
Numerous driver attributes, including marital status and gender, can have an effect on car insurance premiums in Dallas. Believe it or not, marital status has a substantial impact on premiums. Married individuals save close to 10% per year on car insurance compared to those who are single or divorced. Rates for those who are widowed are also strikingly cheaper than rates for those who are single. Males have premiums that are more pricey than those for females, but only by a small margin.
DALLAS AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Dallas Car Insurance With Accidents or Violations
Do you know by how much an at-fault accident or violation can raise your car insurance rates? Many people think lightly of speeding, but did you know that a ticket for speeding (16-20mph over the limit) can cost you extra $88 per year in car insurance premiums? Accidents happen, even to safe drivers, so be prepared and learn how your rates can change after one. Expect your annual car insurance payments to rise by $1,059 if you are found at-fault in an accident in Dallas.
AVERAGE DALLAS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|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 Car Insurance by Age
Drivers in their 50s save money on car insurance payments, as they have the smallest rates among all age groups, paying only $1,815 each year. Those in their 60s ($1,895) also have relatively low premiums. In Dallas, when drivers reach their 20s, therefore moving out of the teenage age range, they can save $4,255. It is the largest gap between any age group. In Dallas, turning 60 means an increase in insurance rates. Up until then, transitioning between age groups means decreasing prices. Teenage drivers are the ones who pay the most in car insurance premiums, with average rates of $6,829.
DALLAS AUTO INSURANCE PRICES BY AGE
Dallas Auto Insurance by Credit Rating
Average car insurance premiums in Dallas for individuals with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). In terms of percent change, moving from Very Good (740-799) to Exceptional (800-850) has the greatest positive effect on premiums, as it saves drivers an average of 20% per year.
DALLAS CAR INSURANCE COSTS BY CREDIT TIER
|Credit Level||Average Auto Insurance Rate|
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
Bibby, Brilling & Associates, LLP
5031 McKinney Ave Dallas, TX 75205
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200 Dallas, TX 75244
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Dallas, TX 75205
Harris F. Underwood III, Inc.
3114 Main Street Dallas, TX 75226
16980 Dallas Pkwy Dallas, TX 75248
5999 Summerside Dr Ste 200 Dallas, TX 75252
Benefit Resource Group
6211 W. Northwest Hwy Dallas, TX 75225
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway 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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