Updated: October 30, 2025
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State Farm offers the cheapest car insurance in Dallas. GEICO, AAA, Mercury Insurance and Progressive also provide coverage in the city.
Car insurance in Dallas costs an average of $1,028 per year for minimum coverage and $2,338 per year for full coverage.
State Farm also offers the cheapest car insurance in Texas at $497 per year for minimum coverage and $1,118 per year for full coverage.
State Farm offers rates of $614 per year for minimum coverage and $1,411 per year for full coverage, both figures coming in 40% below the city average. GEICO and Mercury present solid alternatives at $806 and $888 annually for minimum coverage.
AAA also competes in Dallas with rates that balance affordability and service quality. The variety of competitive carriers creates a favorable market for consumers willing to compare quotes
| State Farm | $51 | $118 | -43% |
| GEICO | $67 | $137 | -31% |
| Mercury | $74 | $169 | -18% |
| AAA | $76 | $157 | -22% |
| Progressive | $108 | $182 | -2% |
Enter your ZIP code to view average full coverage car insurance premiums in your area. Rates are calculated based on a driver profile of age 35 with good credit and a clean driving history.
Young drivers pay $1,355 annually with State Farm for minimum coverage, the highest rate among all age groups. Adult drivers secure the best rates at $614 per year with State Farm, enjoying substantial savings.
Senior drivers from State Farm pay $713 annually, representing a 16% increase over adult rates. State Farm consistently delivers the lowest prices across all age brackets.
State Farm and GEICO provide the most affordable car insurance for young drivers in Dallas, with monthly premiums starting at $116 and $118 respectively.
| State Farm | $116 | $1,386 | -46% |
| Geico | $118 | $1,415 | -45% |
| AAA | $173 | $2,080 | -19% |
| Germania Insurance | $201 | $2,413 | -6% |
| Farmers | $209 | $2,512 | -2% |
In Dallas, State Farm provides the lowest rates for adult drivers (26 to 64), saving drivers around 44% on average. GEICO and Mercury are also among the top affordable providers for this age group.
| State Farm | $51 | $614 | -44% |
| Geico | $67 | $806 | -26% |
| Mercury Insurance | $74 | $891 | -18% |
| AAA | $76 | $910 | -17% |
| Farmers | $88 | $1,059 | -3% |
For Dallas seniors aged 65 and up, State Farm offers the most affordable car insurance rates. Their minimum coverage costs $59 monthly or $713 annually. The same provider's full coverage option runs $131 per month or $1,577 per year.
| State Farm | $59 | $713 | -49% |
| Geico | $88 | $1,060 | -24% |
| AAA | $103 | $1,242 | -11% |
| Germania Insurance | $104 | $1,251 | -11% |
| Progressive | $135 | $1,624 | 16% |
If you have a high-risk driving profile, these are the cheapest car insurance providers in Dallas based on your situation:
GEICO offers the cheapest car insurance for bad credit drivers in Dallas, with monthly rates starting at $97 for minimum coverage and $228 for full coverage. These affordable rates apply to drivers with clean records looking for either basic liability protection or comprehensive coverage with higher limits.
| Geico | $97 | $1,165 | -53% |
| Dairyland | $151 | $1,809 | -27% |
| Allstate | $153 | $1,830 | -26% |
| Germania Insurance | $164 | $1,963 | -20% |
| Chubb | $164 | $1,966 | -20% |
State Farm offers the cheapest car insurance in Dallas for drivers with a DUI costing $83 monthly premium for a minimum coverage policy. You'll save up to 42% on minimum coverage and 41% on full coverage compared to average rates in the city.
| State Farm | $83 | $995 | -42% |
| Farmers | $100 | $1,199 | -30% |
| Mercury Insurance | $101 | $1,207 | -29% |
| Geico | $117 | $1,403 | -18% |
| AAA | $118 | $1,417 | -17% |
State Farm offers the cheapest car insurance for Dallas drivers with accident records, with rates starting at $60 per month. Their premiums run 53% below the city average, making them the most affordable option for drivers looking to save after an accident.
| State Farm | $60 | $724 | -53% |
| Geico | $92 | $1,110 | -28% |
| Farmers | $93 | $1,114 | -28% |
| Germania Insurance | $99 | $1,193 | -23% |
| AAA | $111 | $1,333 | -14% |
State Farm offers Dallas drivers with speeding tickets the cheapest car insurance rates for both coverage types. Their minimum liability coverage costs $51 monthly, while full coverage with higher limits runs $118 per month.
| State Farm | $51 | $614 | -52% |
| Geico | $77 | $928 | -28% |
| Germania Insurance | $98 | $1,176 | -9% |
| AAA | $100 | $1,201 | -7% |
| Mercury Insurance | $103 | $1,233 | -4% |
State Farm leads Dallas with a MoneyGeek score of 95 out of 100. The company delivers competitive premiums while maintaining solid customer satisfaction scores and offering comprehensive coverage options.
GEICO Insurance provides a strong alternative with a MoneyGeek score of 91 out of 100. GEICO excels in claims processing and personalized support, making it ideal for Dallas drivers seeking responsive local service.
| State Farm | 95 | 1 | 3 | 6 |
| GEICO | 91 | 2 | 6 | 6 |
| Mercury | 90 | 4 | 5 | 4 |
| AAA | 89 | 3 | 4 | 6 |
| Progressive | 88 | 5 | 2 | 2 |
Strong customer satisfaction ratings
Multiple driver discounts available
Excellent claims handling process
Limited add-on coverage options
Higher rates for newer vehicles
State Farm ranks as Dallas's top car insurance provider, combining affordable rates with quality service. The company charges less than the typical Dallas insurance premium, making it an economical choice for most drivers. State Farm has strong customer service ratings and efficient claims process. State Farm offers the lowest rates for several driver categories, including seniors, adults and those with accidents on their record.
Easy online quote process
Strong mobile app features
Competitive rates for young drivers
Average customer service ratings
Limited local agent availability
GEICO earns Dallas's second-best ranking by offering competitive rates and useful digital tools. The company provides lower-than-average premiums for Dallas drivers, with particularly good rates for young drivers and those with newer vehicles. GEICO's strength lies in its user-friendly technology and accessible online services. The provider stands out as the most affordable option for drivers with bad credit and those with new cars.
Car insurance in Dallas costs an average of $1,028 per year for minimum coverage and $2,338 per year for full coverage. These rates significantly exceed the Texas state average of $807 for minimum coverage.
State Farm offers rates well below the city average at $614 for minimum coverage. Dallas drivers face higher premiums than many Texas cities, making thorough comparison shopping essential.
| Full Coverage | $195 | $2,338 |
| Minimum Coverage | $86 | $1,028 |
In Dallas, car insurance rates by ZIP code range from $72 to $252 per month. ZIP code 75216 is the most expensive, while 75287 is the cheapest. Check the average rates for your ZIP code below.
| 75216 | $121 | $252 |
Dallas drivers face some of the highest car insurance rates in Texas, and sorting through coverage options can feel overwhelming. Our step-by-step guide will show you how to find affordable coverage that fits your needs and budget.
Start by figuring out how much coverage you need as a Dallas driver. Consider your car's value, your savings and local traffic conditions. Use our car insurance coverage needs calculator to get a personalized recommendation.
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might be cheaper. Don't own a car? A non-owner policy could be your best bet.
Research average vehicle insurance costs in Dallas to set realistic expectations. Rates vary significantly based on your neighborhood, driving history and vehicle type. Understanding local averages helps you recognize when you've found a good deal.
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, defensive driving courses and good student discounts can also reduce your premium significantly.
Research each insurer's reputation for customer service and claims handling in Dallas. Check local reviews, complaint records and financial stability ratings. A slightly higher premium from a reliable company often proves cheaper than dealing with poor service when you need to file a claim.
Contact at least three different insurance companies for quotes. Use local agents, online tools and direct carrier websites to compare rates. Make sure each quote includes the same coverage levels and deductibles for accurate comparison.
Set a reminder to review your car insurance each year before renewal. Your circumstances may change, and new discounts or better rates might become available.
Car insurance rates in Dallas depend on your driving record, vehicle and credit score. While State Farm and GEICO consistently offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.
Find clear answers about affordable car insurance in Dallas. We'll help you understand coverage options and discover the cheapest rates that fit your needs.
State Farm offers Dallas drivers the lowest rates, averaging $614 for minimum coverage and $1,411 for full coverage. Rates vary by personal factors, so compare quotes.
State Farm leads Dallas insurance providers with a MoneyGeek score of 95 out of 100, scoring four points higher than GEICO. State Farm excels in both affordable rates and quality customer service.
In Dallas, drivers pay $2,338 for full coverage and $1,028 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Car insurance in Dallas costs more than average, ranking 1439th for minimum coverage affordability and 1303rd for full coverage compared to other Texas cities.
To help Dallas drivers find the most affordable auto insurance companies, MoneyGeek analyzed Dallas auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Dallas and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Dallas Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Dallas with the following characteristics:
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Dallas
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies in Dallas based on the following rating scale:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
