Cheapest Car Insurance in Dallas, TX (2026)

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 by age group in Dallas, with younger motorists paying the most. Here are the cheapest options by age:

•  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 save up to 15% with State Farm's Steer Clear program after finishing the online driver education course.

Seniors aged 50 and older save up to 10% with GEICO's defensive driving course discount.

Driving violations increase car insurance costs. Compare rates after a violation to find lower penalties. Here are the cheapest 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, and rates often drop after that period ends.

Dallas neighborhoods have different car insurance costs. Residents in 75216 pay the most at $252 monthly for full coverage, while those in 75287 pay the least at $169 monthly. Check the table below for insurance costs in your Dallas ZIP code.

With a 94 out of 100 MoneyGeek score, State Farm leads the Dallas car insurance rankings. GEICO follows closely at 91.

State Farm earns top marks for affordability and customer experience. MoneyGeek bases its evaluation on agent network ratings, complaint data from the National Association of Insurance Commissioners, J.D. Power research and customer reviews across platforms.

State Farm gives drivers access to a wide range of standard and specialty coverages, along with useful add-ons at competitive rates. GEICO also delivers strong pricing across coverage types.

Here’s a closer look at what sets each insurer apart and who might benefit most from each one.

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.