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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.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Cheap Car Insurance Companies in Dallas

It is still possible to find car insurance companies in Dallas that offer much lower rates than the state and national average. Farmers and USAA, for example, both have average annual premiums under $1,000. On the other end of the spectrum is The General, which costs a little over three times the cheapest option’s price on average. The best car insurance company for most drivers is often the most affordable.

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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.

Compare Car Insurance Rates in Dallas

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

Cheapest Car Insurance in Dallas by Coverage Amount

How much car insurance coverage you purchase in Dallas also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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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.

Policy levels often indicate 50/100/50. But what does that mean? The first 50 refers to a $50,000 coverage of medical expenses per individual. The middle number, in this case 100, means a $100,000 cap per vehicle for medical expenses. The second 50 is $50,000 for property damage. Remember that only full-coverage plans can cover your own expenses. The difference between getting liability-only and full coverage can be as little as $326 in Dallas.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Dallas if You Have Tickets

A clean driving record can save you hundreds of dollars on your car insurance. A speeding ticket can add up to an average of $444 on your quote. A DUI record, meanwhile, can put anywhere between $350 and $2,200 on top of your car insurance cost. While some car insurance companies in Dallas do not charge extra for speeding or DUI records, all of them charge extra if you have caused an accident before.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • $1,151
    $1,241
    $1,289
  • 2. USAA
    $1,097
    $1,535
    $1,445
  • $1,034
    $1,246
    $1,740
  • $1,197
    $1,434
    $1,763
  • 5. AAA
    $1,623
    $1,788
    $1,883
  • $1,332
    $2,001
    $2,086
  • $1,306
    $2,933
    $1,306
  • $1,591
    $2,000
    $2,417
  • $2,044
    $2,642
    $2,080
  • $1,630
    $3,424
    $3,829
  • 11. The General
    $3,185
    $4,002
    $3,538

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
iconribbontop ratedCar Insurance agentsDallas2021

Top Agents Offering Affordable Car Insurance in Dallas

1. Ann Nguyen - State Farm Insurance Agent12655 N Central Expy, Ste 310, Dallas, TX, 75243
5 ratings
2. Farmers Insurance - Rani Alfers15400 Knoll Trail Dr, Ste 112, Dallas, TX, 75248
4 ratings
3. Allen Pitts - State Farm Insurance Agent8226 Douglas Ave, Ste 112, Dallas, TX, 75225
3 ratings
4. John Jinuntuya - State Farm Insurance Agent6510 Abrams Rd, Ste 540, Dallas, TX, 75231
3 ratings
5. Harry Smith - Goosehead Insurance Agent17304 Preston Rd, Ste 800, Dallas, TX, 75252
3 ratings

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.

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Most Accidents With Fatalities28th/300
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Most Car Thefts144th/300
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Most Uninsured Motorists by State16th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall142nd/300
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Most Rainy Days190th/300

Shopping around for car insurance in Dallas could save you $586, which is enough to buy:


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195Cups of Coffee
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45Months of Your Favorite Streaming Service

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.

Compare Car Insurance Rates in Dallas

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.