Compare the Cheapest Car Insurance Quotes in Dallas, TX

Dallas drivers pay an average of $1,461 per year for auto insurance, more expensive than the state average. The cheapest company for the average driver in Dallas is Farmers at $875 per year. MoneyGeek analyzed the cheapest average rates by coverage levels and driver history. MoneyGeek also recommended the best companies for drivers focused on both quality and affordability.

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Finding affordable auto insurance depends on your driver profile and coverage needs. Farmers offers the cheapest full coverage and minimum coverage policies in Dallas at $875 and $453 per annum respectively. At $1,034 yearly, State Farm provides the most affordable insurance for drivers with a speeding ticket.

If you are part of a military family, USAA might be another option to look at. GEICO is MoneyGeek’s pick for the best auto insurance company in the city, balancing both cost and customer service.

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The Cheapest and Best Car Insurance in Dallas

The Cheapest Car Insurance Companies in Dallas

The cheapest car insurance companies for full coverage auto insurance in Dallas are:

  • Farmers: $875 per year
  • GEICO: $1,019 per year

At $974 per year, USAA is another affordable option but is limited to current and former military members and their families.

Farmers full coverage policy costs $2,310 less than the most expensive policy offered by The General. Full coverage policies provide comprehensive as well as collision insurance, and your yearly premium will vary depending on how much liability insurance you select.

Cheapest Car Insurance in Dallas
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Farmers
    $875
  • 2.
    USAA
    $974
  • 3.
    GEICO
    $1,019
  • 4.
    State Farm
    $1,034
  • 5.
    AAA
    $1,250
  • 6.
    Esurance
    $1,306
  • 7.
    Allstate
    $1,332
  • 8.
    Nationwide
    $1,378
  • 9.
    Mercury
    $1,600
  • 10.
    MetLife
    $1,630
  • 11.
    The General
    $3,185

Following MoneyGeek's methodology, average auto insurance rates collected were based on a sample profile of a 40-year-old male driver in Dallas with a full coverage policy.

Full coverage car insurance is more expensive than minimum coverage but adds comprehensive and collision insurance. This provides protection against the cost of damage to your vehicle as follows:

  • Collision Insurance: Pays for your car’s damages if you hit another vehicle or a stationary object.
  • Comprehensive Insurance: Protects against expenses to your car from non-collision damage.

If you own an older vehicle, choosing a policy that only meets the state minimum requirements may be a better option. This is because a full coverage policy may add up in premiums to more than your car’s replacement cost.

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Cheapest Car Insurance in Dallas for Minimum Coverage

Buying a minimum coverage insurance policy is the cheapest option in Dallas. The top two companies that provide the most affordable minimum coverage policies in the city are:

  • Farmers: $453 per year
  • State Farm: $547 per year

USAA offers the second cheapest minimum coverage policies in Dallas at $470 per year; however, it is available only to military members and their families.

Minimum coverage plans may be the cheapest available, but they also lack comprehensive and collision coverage and have significantly lower liability limits. This could put you at risk of having insufficient coverage in the event of an accident.

You can check out the below table to know how much higher liability coverage costs.

Cheapest Minimum Liability Car Insurance in Dallas
State Minimum

An insurance policy that meets the minimum requirements in Texas is liability-only coverage. While this is the cheapest insurance option in Dallas, it provides the least protection. In the event of an accident, you may end up paying more from your pocket.

For example, with the required 30/60/25, you’re protected to $30,000 in medical expenses per individual, with a cap of $60,000 per accident. That means if you’re in an at-fault accident, and total medical costs run to $100,000, you’ll have to pay the remaining $10,000 out of pocket.

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Dallas if You Have Driving Violations

Any violations such as at-fault accidents, DUIs and speeding tickets will increase the cost of your insurance. The insurers with the cheapest policies for drivers with violations in Dallas are:

  • Cheapest after a ticket: State Farm, $1,034 per year
  • Cheapest after an at-fault accident: Farmers, $1,241 per year
  • Cheapest after a DUI: Farmers, $1,289 per year

If your driving history includes violations, improving your record over time can help decrease your insurance premiums. Meanwhile, you can look around for the best cheap car insurance for drivers with bad records to see what your best options are.

Cheapest Car Insurance in Dallas With a Violation
Speeding Ticket

Average Cost of Car Insurance in Dallas

Dallas$1,461
Texas$1,316
U.S.$1,424

Before looking for cheap car insurance, note that the average car insurance rate in Dallas is $1,461 per year. That is 11% more expensive than Texas’ average but only 2.6% higher than the national average. Keep that number in mind as you weigh your options later on.

Personalized Quotes to Get You the Cheapest Car Insurance in Dallas

As you compare your options for the best car insurance in Dallas, remember that each quote depends on different variables. On average, 40-year-old drivers get better rates than 18-year-old drivers by at least $1,000 in this city. While the make and model of the car you drive can be a factor in personalized quotes, your record as a driver can either save or cost you hundreds of dollars with some insurance companies.

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The Best Car Insurance Companies in Dallas

MoneyGeek rated insurance options that balance affordability and quality service for drivers in Dallas. The best auto insurance companies for most drivers are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

With a score of 100, USAA placed highest on MoneyGeek’s rating system. However, because USAA is available to military members, veterans and their families only, it is not listed as best overall.

MoneyGeek evaluated customer satisfaction, insurer affordability and financial stability to calculate the final scores. We also used data from data analytics and consumer intelligence company J. D. Power and other independent outfits.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Where you live in Dallas can also affect your car insurance cost. Depending on where you live, your annual premium could be a couple of hundred dollars cheaper than the most expensive neighborhood for car insurance, 75216.

  • Zip Code
    State Minimumper year
  • 75287
    $1,309
  • 75243
    $1,454
  • 75228
    $1,454
  • 75211
    $1,473
  • 75217
    $1,492
  • 75227
    $1,501
  • 75216
    $1,543

Factors That Impact Insurance Costs in Dallas

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Dallas. How Dallas ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities28th/300
handcuffs2 icon
Most Car Thefts144th/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall142nd/300
umbrella icon
Most Rainy Days190th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Dallas are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.