Cheapest Car Insurance in Dallas, TX (2025)

Dallas drivers face steep car insurance costs, paying an average of $1,032 per year for minimum coverage and $2,340 per year for full coverage. The city ranks among Texas's most expensive markets due to high traffic density, elevated crime rates and accident frequency.

• Cheapest minimum liability coverage: State Farm delivers Dallas's most affordable minimum coverage at $614 per year ($51 monthly). That's 40% lower than the city average of $1,032, saving you $418 annually. GEICO ranks second for minimum coverage at $806 per year ($67 monthly), a 22% savings compared to the city average.
• Cheapest full coverage: State Farm also provides the lowest full coverage at $1,411 per year ($118 monthly), 40% below the city average of $2,340. That's $929 in annual savings. GEICO's full coverage costs $1,644 per year ($137 monthly), still 30% below the city average but $233 more than State Farm annually.

Car insurance costs vary significantly by age group in Dallas, with younger motorists facing the steepest premiums. Here are the most affordable car insurance options by age group:

•  Adults: State Farm at $51 and GEICO at $67 monthly
• Seniors: State Farm at $59 and GEICO at $88 monthly
• Young drivers: State Farm at $115 and GEICO at $117 monthly

Drivers under 25 can reduce their State Farm premiums through the Steer Clear Safe Driver Discount program, which offers up to 15% savings after completing interactive online driving education.

Senior drivers aged 50 and above qualify for GEICO's defensive driving course discount, providing up to 10% off their auto insurance premiums upon course completion.

Driving violations make car insurance more expensive. Shopping around after a violation helps you find insurers with lower rate penalties. Here are the most affordable car insurance options in Dallas by violation type:

• Accident: State Farm at $60 and GEICO at $92 monthly
• Ticket: State Farm at $51 and GEICO at $77 monthly
• DUI: State Farm at $82 and Farmers at $99 monthly

Minor violations stay on your Texas driving record for three years before rates decrease.

Dallas neighborhoods show significant differences in car insurance pricing. Residents in 75216 face the highest costs at $252 monthly for full coverage, while those in 75287 enjoy the most affordable rates at $169 monthly. Check the table below to find specific insurance costs for your Dallas ZIP code.

State Farm scored 94 out of 100 on MoneyGeek's rating scale, making it the top car insurance company. Geico follows closely with a score of 91 out of 100.

State Farm ranks first for affordability and customer experience. We evaluated factors like agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews.

State Farm excels in affordability, earning high marks for the number of standard and specialty coverages available, plus unique add-ons. GEICO also leads in affordability with competitive rates. 

See below for why each insurer is best and which fits your needs.

Dallas drivers have some of the state's highest car insurance costs. Shop around, reduce your premiums and secure appropriate coverage:

Our insurance experts tackle common questions about finding affordable car insurance in the Big D:

Dallas drivers pay some of Texas's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Texas Department of Insurance and Quadrant Information Services. Our research covered all Dallas ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. The analysis was complicated by Dallas-specific risks including severe hailstorms, flash flooding, high car theft rates, congested traffic with above-average accident rates, and elevated uninsured motorist incidents.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Texas's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hail damage claims or handling accidents involving uninsured drivers.

Coverage options (10%): More choices mean better odds of matching coverage to Dallas risks like flood damage, uninsured motorists and theft in high-risk areas.