BestCar InsuranceDallasThe Best Car Insurance in Dallas, TX, for 2023
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In Dallas, Texas, Farmers is the best overall car insurance provider. However, the best auto insurance for you may be different depending on your selected coverage level, age and driving history.
MoneyGeek analyzed insurance companies for full and minimal coverage, young and senior drivers, drivers with violations and those with a military background to help you choose the best auto insurance for your circumstances.
BestCar InsuranceDallasThe Best Car Insurance in Dallas
Overall - Farmers
Minimum Coverage - Farmers
Young Drivers - GEICO
Senior Drivers - State Farm
Driving Violations - State Farm
Military - USAA
Best Car Insurance Companies in Dallas: Overall
The best car insurance providers in the city were ranked by MoneyGeek based on average rates, claims ratings and user satisfaction. Using these evaluation criteria, the following companies offer the best car insurance in Dallas:
- Farmers: 94 out of 100
- State Farm: 94 out of 100
Although USAA was not included in this ranking because it only offers policies to military members and their families, it received an impressive MoneyGeek score of 94 out of 100. This score makes USAA the best auto insurance provider for active duty military or veterans in Dallas, Texas.
The Top Car Insurance Companies in Dallas
1
FarmersOverall
Score:94
Farmers scored consistently well in all categories and was even given a perfect rating of five out of five for affordability. It offers custom parts coverage that helps protect against the cost of repairing or replacing aftermarket parts such as navigation systems and custom wheels. A full coverage policy for a 40-year-old male driver in Dallas costs around $875.
More About Farmers
If you have comprehensive and collision coverage, you may add Farmer's custom components coverage to cover the cost of repairing or replacing aftermarket equipment like infotainment systems and custom wheels. It also includes glass deductible modification coverage, which reduces the comprehensive deductible to $100 if vehicle damage is limited to glass.
Read MoneyGeek's Farmers auto Insurance Review2
State Farm
Score:94
State Farm scores highly for customer happiness, claims and affordability, with the highest score in stability. It also offers specialized ridesharing insurance. Comprehensive coverage insurance with State Farm costs $1,034 per year, on average.
More About State Farm
State Farm's rideshare insurance could be a good fit for drivers who work for Uber or Lyft. With rideshare insurance, the emergency roadside assistance, rental car reimbursement and medical expenditure coverage included in your personal auto policy remain in effect while you’re working for a ridesharing company.
Read MoneyGeek's State Farm auto Insurance ReviewRESOURCES ON CAR INSURANCE IN DALLAS, TEXAS
MoneyGeek examined the cheapest auto insurance providers in Dallas for people wishing to save money. If you're seeking additional information about car insurance in Texas, MoneyGeek can help you find:
Best Cheap Car Insurance for Minimum Coverage in Dallas
MoneyGeek ranked the best businesses based on people seeking the minimum coverage car insurance in Dallas, as specified by Texas law.
- Farmers: 94 out of 100
- State Farm: 91 out of 100
This score is based on a mix of driver backgrounds, including young and elderly drivers, as well as those who have had traffic offenses.
MoneyGeek’s Pick: Farmers
pros
A minimum coverage policy costs $453 per year
MoneyGeek claims ratings of 4 out of 5
MoneyGeek satisfaction ratings of 4 out of 5
Discounts for safe driving, bundling policies and installing a homing device
cons
Discounts not offered for defensive driving
COMPANY HIGHLIGHTS
Farmers offers savings for having a clean driving record or owning multiple insurance policies such as home, life, umbrella, small business or specialty insurance. Similarly, insuring many vehicles might save you money on your monthly rate.
The insurer also has discounts that aren’t typically offered by other insurance companies. For example, if you have a safety device installed in your vehicle that can monitor and locate your automobile if it is stolen, you can save money. You’re also eligible for discounts if you use auto payment or consistently pay on time.
Best Car Insurance for Young Drivers in Dallas
MoneyGeek ranked the best car insurance providers based on young driver profiles looking for car insurance in Dallas. Based on our analysis, the following companies offer the best car insurance for young drivers:
- GEICO: 92 out of 100
- State Farm: 88 out of 100
MoneyGeek’s analysis looked at various coverage levels and driving histories of 18-year-old drivers in Dallas. Auto insurance for young drivers and car insurance plans for students are more expensive than the average rate because they are new to the road.
MoneyGeek’s Pick: GEICO
pros
An affordable full coverage policy for a safe driver costs $2,488 per year
Discounts are offered for being a good student and taking a driver's education course
MoneyGeek claims rating of 4 out of 5
MoneyGeek customer satisfaction rating of 4 out of 5
cons
No discount offered for distant students
COMPANY HIGHLIGHTS
Adding a young driver to your insurance policy might be expensive, but GEICO offers some of the most affordable rates in Dallas, as well as exceptional customer service.
GEICO also offers discounts to students and new drivers. Completing a driver's education course and being a full-time student with a good academic record, for example, may entitle you to a discount.
Best Car Insurance for Senior Drivers in Dallas
We used a variety of policy coverages and driving histories for 70-year-old drivers in Texas to identify the best auto insurance in Dallas for senior drivers. The top-rated firms, according to our rankings, are:
- State Farm: 95 out of 100
- Farmers: 91 out of 100
Car insurance for senior drivers is often more expensive than for middle-aged drivers, but shopping around can help you find a provider that offers quality service at an affordable price.
MoneyGeek’s Pick: State Farm
pros
An affordable full coverage policy for a safe driver costs $996 per year
MoneyGeek claims rating of 4 out of 5
MoneyGeek customer satisfaction rating of 4 out of 5
Offers defensive driving discount
cons
No discount for senior drivers
COMPANY HIGHLIGHTS
Although senior driver auto insurance plans are similar to those for other age groups, some insurers charge higher prices. State Farm offers the least inexpensive rates with added benefits for elderly drivers in Dallas. Seniors, for example, may be eligible for a discount if they complete a defensive driving course.
Although State Farm does not provide more specialized coverages, standard ones like roadside assistance and rental car/travel reimbursement may be useful to you. State Farm, for example, will repay you for rental car and travel expenditures.
Best Car Insurance With a Driving Violation in Dallas
MoneyGeek ranked the best providers based only on profiles of Dallas drivers who have been involved in an at-fault collision. Our highest-rated firms in this category are:
- State Farm: 94 out of 100
- GEICO: 90 out of 100
This score is calculated using a combination of policy coverages and drivers of various ages. Also, keep in mind that drivers with bad driving records will pay much more for car insurance.
MoneyGeek’s Pick: State Farm
pros
An affordable full coverage policy for a 40-year-old driver with an accident on their record costs $1,246 per year
Offers seven common discounts out of nine
MoneyGeek customer satisfaction rating of 4 out of 5
MoneyGeek claims rating of 4 out of 5
cons
Doesn’t offer accident forgiveness discount
COMPANY HIGHLIGHTS
Drivers with a past accident or violation may benefit from companies like State Farm, which offer good service at an affordable rate. If your car was manufactured in 1994 or later, State Farm also offers a unique discount that reduces the cost of medical payments coverage.
And while it doesn't offer too many unique discounts, you can still save money through its numerous common discounts. These include an anti-theft system, bundling, good student, safe driving and multiple-car discounts.
Best Car Insurance With a Military Background in Dallas
USAA strikes a balance between affordability and customer satisfaction for qualifying service members in Dallas. The insurer received a MoneyGeek score of 94 out of 100. It's worth noting that USAA only provides auto insurance to military members and their families.
MoneyGeek calculated this number by weighing various coverage levels and driver characteristics, including insurance for younger and older drivers, as well as those with traffic offenses.
MoneyGeek’s Pick: USAA
pros
A full-coverage policy costs $974 per year for a 40-year-old driver
It offers five of the most common discounts, including bundling, good student, multiple car, defensive driving and safe driving
MoneyGeek score of 5 out of 5 in claims
MoneyGeek score of 5 out of 5 in user satisfaction
cons
Only three of the seven usual coverages are available, such as better automobile replacement
Only military personnel, veterans and their families are eligible
COMPANY HIGHLIGHTS
USAA is a dependable insurance company, earning flawless MoneyGeek rankings in customer satisfaction and claims while also offering inexpensive premiums for its military-affiliated customers.
Roadside help, rental car and/or trip reimbursement are all covered by USAA. After your first at-fault accident in Texas, USAA will not raise your premiums if you have been accident-free for five years. One downside is that USAA does not provide many additional coverage options.
USAA also provides five of the nine most prevalent insurance discounts. Aside from commonly offered discounts, USAA also offers exclusive military, new car and vehicle storage savings.
Methodology
Car insurance companies were ranked by MoneyGeek based on quotes from Dallas providers and ratings from industry experts such as J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
To calculate the best car insurance in Dallas, Texas, for various driver profiles, MoneyGeek applied the following weights to each assessment criteria:
- Affordability (70%): MoneyGeek compiled a list of typical rates from Dallas insurers and graded them according to the cost of their policies. The provider with the lowest rate in the city received a perfect score of five out of five.
- Customer satisfaction and claims satisfaction (20%): MoneyGeek looked through J.D. Power polls to determine how happy consumers were with the service and claims of each insurance carrier. A 10% weighting was assigned to each sub-category.
- Financial stability (10%): MoneyGeek evaluated an insurance company's ability to satisfy financial obligations despite economic instability using AM Best ratings.
Each region was given a five-point value and the entire result was given a 100-point scale. To calculate the overall affordability score, we employed a range of characteristics, including age, driving record and coverage levels, which were changed as needed to focus on different driver profiles.
With the exception of the best affordable minimum coverage category, all values indicate typical premiums for full coverage insurance with the given limits. The following are the total coverage limits:
- $100,000 liability for bodily harm per person
- $300,000 liability for bodily injuries per accident
- $100,000 property damage liability
- Comprehensive and collision coverage are included with a $1,000 deductible.
See our gathering, comparing and rating approach for more information on MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
