Best Car Insurance Companies in Dallas, TX

When it comes to auto insurance, there is no one-size-fits-all solution. For young adults and seniors, Texas Farm Bureau is our top choice, while Chubb leads the pack for customer service. State Farm is a great option for those on a tight budget, and Foremost stands out for those with previous driving offenses. Finally, Allstate is the best option for drivers with new cars.

Those prioritizing savings can look into the cheapest auto insurance providers in Dallas.

Based on MoneyGeek's ratings, the following providers offer the best auto insurance in Dallas:

• Texas Farm Bureau: MoneyGeek score of 78 out of 100 ($937 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($793 per year)

We chose Texas Farm Bureau as the top provider out of the 12 that we analyzed because of its high customer satisfaction ratings and affordability. It is also the best auto insurance company in Texas based on MoneyGeek's evaluation.

With a MoneyGeek score of 82 out of 100, USAA is the best vehicle insurance company for military personnel in Dallas.

In Dallas, Texas Farm Bureau is the best overall provider among the 12 insurance companies we analyzed thanks to its combination of high customer satisfaction ratings and affordable rates. Foremost ranked highest for customer satisfaction, but its high cost brought down its overall score.

The rates noted apply to full coverage policies, and MoneyGeek only awarded scores to companies with sufficient data for each component, including affordability, stability and claims management.

Without taking cost into account, the best auto insurance companies in Dallas for customer service are:

• Chubb: MoneyGeek score of 76 out of 100 ($1,579 per year)
• Foremost: MoneyGeek score of 67 out of 100 ($1,559 per year)

Chubb earned the best claims management rating and the second-highest rating for customer satisfaction. Compared to other providers, we found that Chubb's auto insurance premiums are much higher on average.

Good customer service in an insurance company means it responds promptly to customer inquiries and provides high-quality claims management. Chubb has high ratings for both customer satisfaction and claims handling, making it our top pick in Dallas. While Foremost has more coverage options, its low claims management rating brought down its overall score.

After examining the affordability and service quality of policies that meet the minimum auto coverage requirements in Texas, MoneyGeek found that the best cheap insurance providers in Dallas are:

• State Farm: MoneyGeek score 78 out of 100 ($793 per year)
• Texas Farm Bureau: MoneyGeek score 78 out of 100 ($937 per year)

However, it is important to keep in mind that the least expensive policies with minimum coverage in Dallas offer limited protection against liability costs and no coverage for damage to your vehicle in case of an accident. Texas' minimum car insurance requirements apply to every city in the state.

Although cheap rates are important for minimum coverage, it's also important for the insurance company to have good customer satisfaction and claims management. While there can be a trade-off between rates and service, some top-rated insurance companies like State Farm provide both. Texas Farm Bureau is a very close second — it has higher customer satisfaction and claims management ratings, but it's more expensive.

The best auto insurance companies for young adults in Dallas are:

• Texas Farm Bureau: MoneyGeek score of 79 out of 100 ($1,157 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($1,022 per year)

Texas Farm Bureau earned high scores for affordability and customer satisfaction, providing great service at a reasonable cost.

For young adults, a good car insurance policy means affordable rates, discounts that they can take advantage of and reliable customer service. Texas Farm Bureau offers the second-cheapest rates in the city for young adults and also has high customer satisfaction ratings. While State Farm offers slightly cheaper rates, its poor claims management rating brought down its overall score.

The top auto insurance providers for teens and their families in Dallas are the following:

• Foremost: MoneyGeek score of 77 out of 100 ($3,768 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($2,537 per year)

Foremost earned the highest customer satisfaction rating in our comparison group and offers most essential coverages. Teenagers in Dallas can save an average of $3,267 annually by enrolling in their parent's policy rather than buying their own — plus, teens under the age of 18 legally need their parent or guardian to co-sign if they're getting an individual policy.

Insurance companies with good policies for teens will offer affordable rates, discounts that cater to young drivers and coverage that helps make them feel secure on the road, such as roadside assistance. Although Foremost is more expensive than some competitors, it offers essential add-on coverages and has great customer service for teens. State Farm has a cheaper family premium and offers discounts specific to young drivers, but it lagged behind in customer satisfaction.

The best auto insurance companies for seniors in Dallas are:

• Texas Farm Bureau: MoneyGeek score of 80 out of 100 ($777 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($721 per year)

Texas Farm Bureau received the second-highest ratings for affordability and customer satisfaction in our comparison group, making it the best option for seniors looking for auto insurance in Dallas. Although drivers in their 60s pay rates comparable to most adults, premiums for those in their 70s can be more expensive.

Good policies for seniors offer discounts that older drivers can use, as well as coverages such as personal injury protection or medical payments coverage since they are more prone to serious injury in a car accident. Texas Farm Bureau offers affordable rates, discounts for safe driving and excellent customer service to seniors. State Farm, our runner-up, has lower rates but falls behind when it comes to customer service.

These are the top car insurance companies in Dallas if you have violations on your record:

• Foremost: MoneyGeek score of 77 out of 100 ($1,778 per year)
• State Farm: MoneyGeek score of 75 out of 100 ($1,447 per year)

Foremost received the highest rating for customer satisfaction and offers reasonable rates for drivers with offenses in Dallas. Rates tend to increase based on the severity of the offense. For example, drivers in Dallas with a speeding ticket can expect to pay $263 more per year compared to a driver with a clean driving record, while those with a DWI (Texas does not use "DUI") pay around $610 more. However, you can still find cheap car insurance for drivers with poor records.

When looking for a car insurance policy, drivers with offenses should consider affordable rates, good customer service and coverage that provides protection in the event of an accident, such as rental car reimbursement or new car replacement. Foremost is an excellent option for drivers with on-record violations in Dallas since it offers a good balance of affordability and customer service. While State Farm has cheaper rates, it has fewer essential coverages and a lower customer satisfaction rating.

These companies in Dallas offer the best car insurance for new car owners:

• Allstate: MoneyGeek score of 73 out of 100 ($1,589 per year)
• Foremost: MoneyGeek score of 53 out of 100 ($2,042 per year)

Rankings based on pricing and service quality for Texas drivers with a 2022 car model show that Allstate is the best insurance option for those with new cars. Only insurers with better or new car replacement coverage, which covers the cost of a brand-new car in the event that yours is totaled, were included in the rankings.

Drivers with new cars often want policies that provide better coverage and protection for their investment. Allstate meets this criterion with its new car replacement coverage, which replaces totaled cars that are two model years old or newer. Texas Farm Bureau, which has higher overall ratings than Allstate, does not offer this coverage, which is why it was not included in the rankings.

When searching for the best car insurance in Dallas, it's important to consider what matters most to you. To help you make an informed decision, here are some of the most common questions to ask when shopping for car insurance.