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WHAT DRIVES UP CAR INSURANCE RATES IN Dallas
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
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 Zip Codes75247 75260 75207 75241 75242
Cheap Zip Codes75287 75252 75248 75098 75214
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
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
Find Local Dallas Agents
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230