State Farm offers the lowest car insurance rates in Dallas, with annual premiums of $614 for minimum coverage and $1,411 for full coverage. Other affordable insurers in the city include GEICO, Mercury and AAA.
Car Insurance in Dallas
Updated: August 14, 2025
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Key Takeaways
Dallas's cheapest car insurance companies are State Farm, GEICO and AAA, with rates up to 43% lower than the city average.
Monthly car insurance costs in Dallas average $195 for full coverage and $86 for minimum coverage.
You'll find the best cheap auto insurance in Dallas by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Dallas?
| State Farm | $51 | $118 | -43% |
| GEICO | $67 | $137 | -31% |
| AAA | $76 | $157 | -22% |
| Mercury | $74 | $169 | -18% |
| Progressive | $108 | $182 | -2% |
Compare the Cheapest Dallas Car Insurance for You
Your car insurance rates depend heavily on your driving history and personal details. Check the table below to find which company offers the lowest rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $146 | $1,750 | -49% |
| Germania | $191 | $2,290 | -33% |
| GEICO | $210 | $2,525 | -27% |
| AAA | $222 | $2,663 | -23% |
| Farmers | $287 | $3,446 | 0% |
Cheapest Car Insurance by Age Group in Dallas
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Dallas, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: State Farm (from $116 per month)
- Cheapest Car Insurance for Adults: State Farm (from $51 per month)
- Cheapest Car Insurance for Seniors: State Farm (from $59 per month)
Cheapest Car Insurance for Young Drivers in Dallas
State Farm and GEICO provide the most affordable car insurance for young drivers in Dallas, with monthly premiums starting at $116 and $118 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $116 | $1,386 | -46% |
| GEICO | $118 | $1,415 | -45% |
| AAA | $173 | $2,080 | -19% |
| Germania | $201 | $2,413 | -6% |
| Farmers | $209 | $2,512 | -2% |
Cheapest Car Insurance for Adult Drivers in Dallas
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.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $51 | $614 | -44% |
| GEICO | $67 | $806 | -26% |
| Mercury | $74 | $891 | -18% |
| AAA | $76 | $910 | -17% |
| Farmers | $88 | $1,059 | -3% |
Cheapest Car Insurance for Senior Drivers in Dallas
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.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $59 | $713 | -49% |
| GEICO | $88 | $1,060 | -24% |
| AAA | $103 | $1,242 | -11% |
| Germania | $104 | $1,251 | -11% |
| Progressive | $135 | $1,624 | 16% |
Cheapest Car Insurance for High-Risk Drivers in Dallas
If you have a high-risk driving profile, these are the cheapest car insurance providers in Dallas based on your situation:
- Cheapest for Bad Credit: GEICO (from $97 per month)
- Cheapest With a DUI: State Farm (from $83 per month)
- Cheapest With an Accident: State Farm (from $60 per month)
- Cheapest With a Speeding Ticket: State Farm (from $51 per month)
Cheapest Car Insurance for Bad Credit in Dallas
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| GEICO | $97 | $1,165 | -53% |
| Dairyland | $151 | $1,809 | -27% |
| Allstate | $153 | $1,830 | -26% |
| Germania | $164 | $1,963 | -20% |
| Chubb | $164 | $1,966 | -20% |
Cheapest Car Insurance With a DUI in Dallas
State Farm offers the cheapest car insurance in Dallas for drivers with a DUI. You'll save up to 42% on minimum coverage and 41% on full coverage compared to average rates in the city.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $83 | $995 | -42% |
| Farmers | $100 | $1,199 | -30% |
| Mercury | $101 | $1,207 | -29% |
| GEICO | $117 | $1,403 | -18% |
| AAA | $118 | $1,417 | -17% |
Cheapest Car Insurance With an Accident in Dallas
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $60 | $724 | -53% |
| GEICO | $92 | $1,110 | -28% |
| Farmers | $93 | $1,114 | -28% |
| Germania | $99 | $1,193 | -23% |
| AAA | $111 | $1,333 | -14% |
Cheapest Car Insurance With a Speeding Ticket in Dallas
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $51 | $614 | -52% |
| GEICO | $77 | $928 | -28% |
| Germania | $98 | $1,176 | -9% |
| AAA | $100 | $1,201 | -7% |
| Mercury | $103 | $1,233 | -4% |
Best Car Insurance Companies in Dallas
Dallas drivers can find excellent coverage through State Farm, GEICO, Mercury and AAA. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| 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 |
State Farm: Best Cheap Overall
pros
Strong customer satisfaction ratings
Multiple driver discounts available
Excellent claims handling process
cons
Limited add-on coverage options
Higher rates for newer vehicles
COMPANY HIGHLIGHTS
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.
GEICO: Best for Specific Drivers
pros
Easy online quote process
Strong mobile app features
Competitive rates for young drivers
cons
Average customer service ratings
Limited local agent availability
COMPANY HIGHLIGHTS
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.
How Much Is Car Insurance in Dallas?
In Dallas, minimum coverage costs $86 per month or $1,028 per year, ranking 1,439th out of all Texas cities for affordability. Full coverage averages $195 monthly or $2,338 annually, ranking 1,303rd among Texas cities.
| Full Coverage | $195 | $2,338 |
| Minimum Coverage | $86 | $1,028 |
Compare Personalized Dallas Car Insurance Costs
While basic rate breakdowns help compare costs, your profile may need a closer look for accurate pricing. Filter the table below to see Dallas insurance rates based on your age, driving record and other factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $283 | $3,398 | 31% |
Dallas Car Insurance Costs by ZIP Code
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.
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ZIP Code:75216
| 75216 | $121 | $252 |
How to Get the Best Cheap Dallas Car Insurance
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.
- 1
Determine your coverage requirements
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.
- 2
Explore alternative coverage types
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.
- 3
Check Dallas insurance rates
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.
- 4
Stack up available discounts
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.
- 5
Evaluate insurance company reliability
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.
- 6
Get quotes from multiple providers
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.
- 7
Review your policy yearly
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.
Cheapest Car Insurance in Dallas: Bottom Line
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.
Cheap Dallas Car Insurance: FAQ
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.
What is the cheapest car insurance company in Dallas, Texas?
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.
Who offers the best car insurance in Dallas?
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.
What is the average cost of car insurance in Dallas?
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.
Is car insurance in Dallas expensive?
Car insurance in Dallas costs more than average, ranking 1439th for minimum coverage affordability and 1303rd for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Dallas, TX
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:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
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:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Dallas based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.