How Much Does Car Insurance Cost in Dallas?


In Dallas, it is especially critical to cut costs while insuring a vehicle because premiums in Dallas are known for being costly. They are generally $313 greater than the state average. Review our ways to save on Dallas car insurance and save money.


AUTO INSURANCE PRICES: DALLAS VS. STATE/NATIONAL AVERAGES
City AverageState AverageNational Average
$2,123$1,810$1,427


Dallas Auto Insurance for High-Risk Drivers


Do you have a history of accidents or violations? That can have an impact on your premiums. Speeding 16-20mph over the speed limit can make insuring your vehicle more expensive. Those with a speeding ticket on their record usually pay 4% more per year. You can expect your yearly car insurance premiums to grow by $1,059 if you are found at-fault in an accident in Dallas.


AVERAGE DALLAS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Rate
DUI$2,995
Reckless Driving$2,924
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 Auto Insurance by Gender and Marital Status


Car insurance rates in Dallas are affected by driver characteristics such as gender and marital status. Did you know that in your city marital status can actually change your premiums substantially? You can save around 10% per year if you're married as opposed to single or divorced. Rates for those who are widowed are also much cheaper than rates for those who are single. Premiums for women are generally cheaper than for men, but only by a small margin.


DALLAS CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$2,109
Male$2,123
Single$2,123
Married$1,913
Divorced$2,123
Widowed$1,926


Dallas Auto Insurance by Credit Rating


People with Very Poor credit (300-579) pay an average of more than twice as much each year for car insurance than those with Exceptional credit (800-850). Drivers will see the biggest percent reduction in premiums when they upgrade their credit from Very Good (740-799) to Exceptional (800-850). That change can save them 20% per year.


DALLAS CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Rate
Very Poor$3,706
Fair$3,136
Good$2,603
Very Good$2,196
Exceptional$1,762


Dallas Car Insurance by Driver Age

Teenage drivers are the ones who pay the most in car insurance premiums, with payments of $6,829 on average. When drivers reach their 20s in Dallas, therefore moving out of the teenage age bracket, they pay $4,255 less in premiums. You will not see a bigger change between any other age group. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time. At $1,815, drivers in their 50s have the smallest car insurance payments among any age group. Those in their 60s ($1,895) aren’t paying significantly more.


DALLAS CAR INSURANCE PRICES BY DRIVER AGE
AgeAverage Rate
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 Codes

75247   75260   75207   75241   75242  

Cheap Zip Codes

75287   75252   75248   75098   75214  

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

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

Car Insurance Companies in Dallas

Aggressive Insurance AssuranceAmerica Bristol West Cal Casualty Dairyland Direct General Elephant Falcon GAINSCO Germania Mutual Hallmark Infinity Kemper Specialty Lamar General Agency Mendota Mercury MetLife Pronto State Auto The General Travelers

Find Local Dallas Agents

AmeriCap Insurance Group LLC

15770 N. Dallas Parkway Dallas, TX 75248

Benefit Resource Group

6211 W. Northwest Hwy Dallas, TX 75225

Harris F. Underwood III, Inc.

3114 Main Street Dallas, TX 75226

2

$1,694

The average Dallasite's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

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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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