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 AverageState AverageNational Average
$2,123$1,810$1,427


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/GenderAverage Rate
Female$2,109
Male$2,123
Single$2,123
Married$1,913
Divorced$2,123
Widowed$1,926


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
Violation/IncidentMean 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 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
AgeAverage Rate
Teenagers$6,829
20s$2,574
30s$2,093
40s$2,028
50s$1,815
60s$1,895
70s$2,355


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 LevelAverage Auto Insurance Rate
Very Poor$3,706
Fair$3,136
Good$2,603
Very Good$2,196
Exceptional$1,762


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

Major Highways
I-30 I-35 U.S. 75
Toll Roads
Dallas North Tollway International Parkway Sam Rayburn Tollway
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 Jupiter Auto Kemper Specialty Mendota Mercury MetLife Pronto Safe Auto The General Travelers

Find Local Dallas Agents

CoVerica

5999 Summerside Dr Ste 200 Dallas, TX 75252

TexCap-Concord Insurance Services, LP

13465 Midway Rd Ste 200 Dallas, TX 75244

Stogner & Associates Insurance

5538 South Hampton Road Dallas, TX 75232

$1,694

The average Dallasite's annual cost of coverage

40%

Our customer's average savings after comparing insurance

271

That's equal to 271 cups of coffee or $678 in savings

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