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The cheapest car insurance company depends on your driver profile and needs. MoneyGeek’s analysis in Dallas shows State Farm is ideal for full and minimum coverage, with an at-fault accident or speeding ticket, military members, teens, young adults, seniors and drivers with sports cars. Mercury is the lowest-priced after a DWI or with bad credit.

MoneyGeek also analyzed the best car insurance in Dallas, balancing cost and service quality.

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2023

Cheapest Car Insurance in Dallas, TX

Cheapest Minimum Coverage Car Insurance in Dallas

MoneyGeek found the following companies, on average, are the cheapest for minimum coverage in Dallas:

  • State Farm: $387 per year
  • Texas Farm Bureau: $446 per year

Dairyland charges the highest rate for that policy, of the companies MoneyGeek collected quotes for in Dallas, with an average cost of $1,349 per year.

State Farm also offers the cheapest car insurance in Texas, but its average statewide rate is slightly lower at $300 annually for minimum coverage.

Company
Annual Premium
Monthly Premium

State Farm

$361

$30

State Farm

$387

$32

Texas Farm Bureau

$387

$32

Texas Farm Bureau

$446

$37

Allstate

$456

$38

Mercury

$461

$38

Allstate

$468

$39

State Farm

$473

$39

Mercury

$503

$42

AAA Texas

$553

$46

Nationwide

$571

$48

Allstate

$572

$48

Texas Farm Bureau

$573

$48

AAA Texas

$584

$49

Nationwide

$599

$50

Mercury

$600

$50

GEICO

$610

$51

Progressive

$619

$52

Progressive

$634

$53

GEICO

$641

$53

Chubb

$697

$58

GEICO

$701

$58

AAA Texas

$710

$59

State Farm

$721

$60

National General

$743

$62

Progressive

$747

$62

Foremost

$754

$63

Chubb

$766

$64

National General

$767

$64

Texas Farm Bureau

$777

$65

State Farm

$793

$66

Nationwide

$809

$67

Foremost

$884

$74

Allstate

$923

$77

Texas Farm Bureau

$937

$78

National General

$944

$79

Nationwide

$974

$81

Allstate

$1,006

$84

State Farm

$1,022

$85

Mercury

$1,027

$86

Foremost

$1,036

$86

GEICO

$1,072

$89

Mercury

$1,081

$90

GEICO

$1,094

$91

AAA Texas

$1,142

$95

AAA Texas

$1,150

$96

Texas Farm Bureau

$1,157

$96

Nationwide

$1,201

$100

GEICO

$1,284

$107

Dairyland

$1,305

$109

Chubb

$1,345

$112

Allstate

$1,348

$112

Dairyland

$1,349

$112

Chubb

$1,374

$115

Mercury

$1,406

$117

Nationwide

$1,458

$121

AAA Texas

$1,501

$125

Progressive

$1,522

$127

Foremost

$1,559

$130

Chubb

$1,579

$132

Progressive

$1,585

$132

National General

$1,599

$133

Dairyland

$1,600

$133

Foremost

$1,677

$140

National General

$1,745

$145

National General

$1,974

$164

Progressive

$1,985

$165

Foremost

$2,090

$174

Dairyland

$2,163

$180

Dairyland

$2,396

$200

Chubb

$2,476

$206

Dairyland

$2,935

$245

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You will only get coverage against bodily injury and property damage if you purchase a minimum coverage policy in Texas. It includes the following coverage limits:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

These limits show how much of a claim for third parties the insurer will cover. If passengers in the car you hit are injured in the accident, the insurance company will pay $30,000 for each person, up to $60,000 per accident. So if the other driver sustains injuries totaling $55,000, you must pay $25,000 out of pocket.

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MONEYGEEK EXPERT TIP

While minimum coverage may be the cheapest car insurance policy you can get in Dallas, insurance professionals recommend purchasing liability coverage above the state minimum for a greater level of financial protection from at-fault accidents. If your budget allows, consider increasing your liability limits to $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident.

You also want to have uninsured and underinsured motorist (UM/UIM) coverage in Texas. UM/UIM is optional in the state, but every insurer must offer it. If you don't want it, you must decline it in writing. But UM/UIM is worth it since it covers damages you sustain in an accident that is not your fault with a driver who does not have insurance or does not have enough coverage. Hit-and-runs may also fall under UM/UIM. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Full Coverage Car Insurance in Dallas

The following companies, on average, offer the most affordable rates for a full coverage policy in Dallas:

  • State Farm: $793 per year
  • Texas Farm Bureau: $937 per year

Dairyland is the most expensive car insurance company, charging around $2,396 annually in Dallas for full coverage.

As of October 2022, State Farm is also the cheapest full coverage car insurance provider in Texas, with its statewide average cost at $711 per year, less than what Dallas drivers pay.

Company
Annual Premium
Monthly Premium

State Farm

$361

$30

State Farm

$387

$32

Texas Farm Bureau

$387

$32

Texas Farm Bureau

$446

$37

Allstate

$456

$38

Mercury

$461

$38

Allstate

$468

$39

State Farm

$473

$39

Mercury

$503

$42

AAA Texas

$553

$46

Nationwide

$571

$48

Allstate

$572

$48

Texas Farm Bureau

$573

$48

AAA Texas

$584

$49

Nationwide

$599

$50

Mercury

$600

$50

GEICO

$610

$51

Progressive

$619

$52

Progressive

$634

$53

GEICO

$641

$53

Chubb

$697

$58

GEICO

$701

$58

AAA Texas

$710

$59

State Farm

$721

$60

National General

$743

$62

Progressive

$747

$62

Foremost

$754

$63

Chubb

$766

$64

National General

$767

$64

Texas Farm Bureau

$777

$65

State Farm

$793

$66

Nationwide

$809

$67

Foremost

$884

$74

Allstate

$923

$77

Texas Farm Bureau

$937

$78

National General

$944

$79

Nationwide

$974

$81

Allstate

$1,006

$84

State Farm

$1,022

$85

Mercury

$1,027

$86

Foremost

$1,036

$86

GEICO

$1,072

$89

Mercury

$1,081

$90

GEICO

$1,094

$91

AAA Texas

$1,142

$95

AAA Texas

$1,150

$96

Texas Farm Bureau

$1,157

$96

Nationwide

$1,201

$100

GEICO

$1,284

$107

Dairyland

$1,305

$109

Chubb

$1,345

$112

Allstate

$1,348

$112

Dairyland

$1,349

$112

Chubb

$1,374

$115

Mercury

$1,406

$117

Nationwide

$1,458

$121

AAA Texas

$1,501

$125

Progressive

$1,522

$127

Foremost

$1,559

$130

Chubb

$1,579

$132

Progressive

$1,585

$132

National General

$1,599

$133

Dairyland

$1,600

$133

Foremost

$1,677

$140

National General

$1,745

$145

National General

$1,974

$164

Progressive

$1,985

$165

Foremost

$2,090

$174

Dairyland

$2,163

$180

Dairyland

$2,396

$200

Chubb

$2,476

$206

Dairyland

$2,935

$245

Comprehensive and collision insurance are part of a full coverage policy.

  • Comprehensive insurance: This coverage will cover the repair or replacement costs if the damage to your car is due to a non-accident incident, such as fire, flood or theft.
  • Collision insurance: You will get compensation through this coverage if you damage your car in an at-fault accident.

Buying full coverage for older vehicles might not be the best choice, as you will pay a lot of money to insure a vehicle that may not have much value.

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Cheapest Car Insurance in Dallas After a Driving Offense

MoneyGeek’s research shows that the following companies offer the average cheapest rates for Dallas drivers with a moving violation on their record:

  • Speeding ticket: State Farm ($793 per year)
  • At-fault accident: State Farm ($985 per year)
  • DUI: Mercury ($1,407 per year)

The highest priced full coverage policy with a speeding ticket is with Dairyland at around $2,952 per year; with an at-fault accident, it is Foremost at roughly $3,631 per year; and with a DWI (Texas does not use DUI), it is Chubb at around $3,092 per year.

A moving violation may significantly affect your rate for many years, which means the most affordable insurer for you will still be more expensive than the cheapest option for a safe driver.

Company
Annual Premium
Monthly Premium

State Farm

$361

$30

State Farm

$387

$32

Texas Farm Bureau

$387

$32

Texas Farm Bureau

$446

$37

Allstate

$456

$38

State Farm

$465

$39

Allstate

$468

$39

State Farm

$473

$39

State Farm

$494

$41

Allstate

$572

$48

Texas Farm Bureau

$573

$48

State Farm

$590

$49

Mercury

$648

$54

Mercury

$665

$55

Nationwide

$677

$56

Progressive

$687

$57

GEICO

$694

$58

Nationwide

$705

$59

Texas Farm Bureau

$710

$59

State Farm

$721

$60

State Farm

$721

$60

GEICO

$731

$61

AAA Texas

$743

$62

Progressive

$744

$62

State Farm

$750

$62

Progressive

$751

$63

Chubb

$754

$63

GEICO

$761

$63

Texas Farm Bureau

$763

$64

Texas Farm Bureau

$777

$65

Mercury

$780

$65

Allstate

$782

$65

AAA Texas

$785

$65

State Farm

$793

$66

Mercury

$796

$66

Allstate

$802

$67

Mercury

$812

$68

Progressive

$815

$68

Chubb

$827

$69

Progressive

$829

$69

Allstate

$834

$69

AAA Texas

$835

$70

National General

$844

$70

GEICO

$845

$70

Mercury

$845

$70

State Farm

$846

$70

Foremost

$848

$71

Allstate

$855

$71

National General

$856

$71

National General

$871

$73

AAA Texas

$876

$73

AAA Texas

$882

$74

National General

$891

$74

Texas Farm Bureau

$893

$74

Progressive

$895

$75

Foremost

$908

$76

State Farm

$908

$76

GEICO

$912

$76

Allstate

$923

$77

Nationwide

$925

$77

AAA Texas

$926

$77

GEICO

$932

$78

Texas Farm Bureau

$937

$78

AAA Texas

$954

$80

Nationwide

$956

$80

Allstate

$981

$82

Texas Farm Bureau

$982

$82

Mercury

$985

$82

State Farm

$985

$82

Progressive

$990

$82

Nationwide

$993

$83

Foremost

$1,002

$84

Allstate

$1,006

$84

State Farm

$1,022

$85

Texas Farm Bureau

$1,035

$86

Chubb

$1,042

$87

Allstate

$1,046

$87

National General

$1,069

$89

National General

$1,072

$89

AAA Texas

$1,073

$89

Foremost

$1,081

$90

GEICO

$1,091

$91

GEICO

$1,091

$91

Progressive

$1,093

$91

AAA Texas

$1,126

$94

Foremost

$1,135

$95

Chubb

$1,145

$95

Progressive

$1,151

$96

Texas Farm Bureau

$1,157

$96

National General

$1,165

$97

Mercury

$1,170

$97

Nationwide

$1,190

$99

Foremost

$1,194

$99

GEICO

$1,195

$100

Nationwide

$1,196

$100

National General

$1,219

$102

Nationwide

$1,227

$102

State Farm

$1,238

$103

GEICO

$1,275

$106

GEICO

$1,275

$106

Mercury

$1,281

$107

Nationwide

$1,307

$109

Dairyland

$1,325

$110

Allstate

$1,348

$112

Texas Farm Bureau

$1,353

$113

Texas Farm Bureau

$1,358

$113

Chubb

$1,364

$114

Dairyland

$1,369

$114

State Farm

$1,370

$114

National General

$1,396

$116

Nationwide

$1,405

$117

Mercury

$1,407

$117

GEICO

$1,426

$119

Nationwide

$1,430

$119

State Farm

$1,447

$121

Chubb

$1,453

$121

Chubb

$1,485

$124

Mercury

$1,487

$124

Chubb

$1,498

$125

AAA Texas

$1,501

$125

Allstate

$1,503

$125

AAA Texas

$1,506

$125

GEICO

$1,545

$129

Texas Farm Bureau

$1,559

$130

GEICO

$1,575

$131

Texas Farm Bureau

$1,577

$131

Allstate

$1,583

$132

Mercury

$1,601

$133

Allstate

$1,610

$134

Dairyland

$1,623

$135

Nationwide

$1,662

$139

AAA Texas

$1,667

$139

AAA Texas

$1,670

$139

Nationwide

$1,681

$140

Allstate

$1,688

$141

State Farm

$1,700

$142

Chubb

$1,706

$142

GEICO

$1,723

$144

AAA Texas

$1,741

$145

Dairyland

$1,742

$145

AAA Texas

$1,743

$145

Mercury

$1,768

$147

Foremost

$1,778

$148

Progressive

$1,791

$149

Mercury

$1,800

$150

Nationwide

$1,805

$150

Progressive

$1,812

$151

Dairyland

$1,858

$155

National General

$1,859

$155

Mercury

$1,881

$157

Texas Farm Bureau

$1,884

$157

Foremost

$1,900

$158

Foremost

$1,903

$159

Foremost

$1,925

$160

Texas Farm Bureau

$1,933

$161

Dairyland

$1,938

$161

GEICO

$1,939

$162

Progressive

$1,945

$162

AAA Texas

$1,970

$164

Progressive

$1,974

$165

National General

$1,981

$165

Dairyland

$1,986

$166

Chubb

$2,011

$168

GEICO

$2,023

$169

GEICO

$2,024

$169

Chubb

$2,054

$171

Foremost

$2,071

$173

National General

$2,080

$173

Nationwide

$2,089

$174

National General

$2,097

$175

Dairyland

$2,106

$176

Mercury

$2,120

$177

Allstate

$2,159

$180

Dairyland

$2,184

$182

AAA Texas

$2,189

$182

Progressive

$2,210

$184

Nationwide

$2,213

$184

National General

$2,237

$186

Foremost

$2,265

$189

Allstate

$2,267

$189

AAA Texas

$2,286

$191

Dairyland

$2,298

$192

Foremost

$2,315

$193

Nationwide

$2,318

$193

Chubb

$2,361

$197

Progressive

$2,364

$197

Texas Farm Bureau

$2,382

$199

Foremost

$2,392

$199

Dairyland

$2,417

$201

Foremost

$2,437

$203

National General

$2,472

$206

Progressive

$2,487

$207

National General

$2,566

$214

Progressive

$2,576

$215

Mercury

$2,608

$217

Mercury

$2,613

$218

Chubb

$2,634

$219

Chubb

$2,676

$223

Chubb

$2,691

$224

Nationwide

$2,766

$231

National General

$2,784

$232

National General

$2,849

$237

Progressive

$2,948

$246

Dairyland

$2,952

$246

Dairyland

$2,960

$247

Dairyland

$2,994

$249

Chubb

$3,092

$258

Dairyland

$3,338

$278

Dairyland

$3,342

$278

Dairyland

$3,542

$295

Foremost

$3,631

$303

Chubb

$3,704

$309

Dairyland

$3,730

$311

Foremost

$4,247

$354

Foremost

$4,308

$359

Chubb

$4,852

$404

Severe violations (like a DWI in Texas) may significantly increase your car insurance. MoneyGeek found that drivers with a DWI pay around $347 more per year in Dallas for a full coverage policy than someone with a speeding ticket. They also have to file an SR-22, a certificate of financial responsibility that proves they have at least the minimum liability coverage Texas requires. The insurer files the SR-22 on their behalf, and they must have a valid SR-22 for a minimum of two years.

You should shop around to find the cheapest car insurance for a poor driving record since rates can vary significantly between companies.

Cheapest Car Insurance in Dallas for Teens and Their Families

Teens on a full coverage family policy in Dallas will find the most affordable car insurance, on average, from the following companies:

  • State Farm: $2,103 per year for female teens; Nationwide: $2,472 per year for male teens
  • Nationwide: $2,153 per year for female teens; State Farm: $2,537 per year for male teens

The second-cheapest option for female teens is Nationwide, with an average cost of $2,153 per year, while for male teens, it’s State Farm, charging around $2,537 per year.

Allstate is the most expensive option for male and female teens, charging roughly $8,390 per year and $7,120 per year, respectively.

Insurers charge more to male teens because of an increased risk of at-fault accidents and moving violations. But, this difference drops off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$761

$3,463

State Farm

$884

$4,021

State Farm

$906

$4,676

State Farm

$950

$4,322

State Farm

$1,255

$4,139

State Farm

$1,376

$4,952

Nationwide

$1,378

$2,627

Nationwide

$1,393

$2,841

State Farm

$1,407

$4,639

Nationwide

$1,466

$3,583

State Farm

$1,485

$5,705

State Farm

$1,546

$5,099

Nationwide

$1,564

$2,981

Nationwide

$1,564

$4,154

Nationwide

$1,588

$3,347

State Farm

$1,647

$6,799

Nationwide

$1,655

$3,155

Nationwide

$1,666

$3,397

State Farm

$1,676

$6,030

Nationwide

$1,681

$3,862

State Farm

$1,720

$6,270

Nationwide

$1,772

$3,612

Allstate

$1,866

$2,481

State Farm

$1,892

$7,705

GEICO

$1,972

$3,366

GEICO

$1,986

$4,065

GEICO

$1,995

$3,231

Nationwide

$1,999

$5,968

Allstate

$2,015

$2,561

GEICO

$2,020

$3,447

GEICO

$2,026

$3,281

GEICO

$2,034

$4,057

State Farm

$2,042

$8,568

Nationwide

$2,044

$7,049

State Farm

$2,057

$7,498

GEICO

$2,068

$3,705

Nationwide

$2,089

$5,106

State Farm

$2,098

$8,547

State Farm

$2,103

$9,450

GEICO

$2,109

$3,599

GEICO

$2,112

$3,708

GEICO

$2,138

$3,463

Nationwide

$2,153

$7,638

Nationwide

$2,200

$7,587

Allstate

$2,256

$2,999

Nationwide

$2,275

$7,696

State Farm

$2,282

$9,614

Allstate

$2,285

$3,489

Foremost

$2,312

$3,877

Progressive

$2,331

$3,418

GEICO

$2,339

$5,464

Nationwide

$2,347

$8,985

GEICO

$2,360

$4,829

Nationwide

$2,366

$6,284

Foremost

$2,376

$3,374

Allstate

$2,395

$3,185

GEICO

$2,427

$5,555

Progressive

$2,434

$5,625

GEICO

$2,461

$4,910

Progressive

$2,463

$3,433

Nationwide

$2,472

$9,734

Foremost

$2,486

$3,530

Foremost

$2,494

$3,685

Foremost

$2,516

$3,572

GEICO

$2,526

$6,527

Nationwide

$2,527

$9,670

State Farm

$2,530

$10,662

State Farm

$2,537

$11,801

Foremost

$2,584

$4,473

Foremost

$2,600

$3,558

Allstate

$2,627

$3,338

GEICO

$2,634

$6,712

Progressive

$2,636

$6,070

Allstate

$2,681

$4,061

Allstate

$2,698

$3,935

Progressive

$2,790

$3,890

Foremost

$2,799

$3,831

Progressive

$2,817

$4,131

GEICO

$2,826

$7,304

Foremost

$2,850

$4,216

Allstate

$2,885

$3,667

GEICO

$2,897

$8,626

Progressive

$2,905

$7,612

Foremost

$2,921

$3,998

Progressive

$2,949

$4,898

Progressive

$2,958

$5,231

GEICO

$2,988

$7,614

Progressive

$2,989

$6,907

Progressive

$3,031

$4,226

Foremost

$3,052

$10,469

GEICO

$3,066

$9,111

Progressive

$3,116

$4,568

Foremost

$3,153

$10,630

Allstate

$3,154

$4,598

Foremost

$3,174

$10,885

Progressive

$3,281

$8,678

Foremost

$3,316

$11,182

Foremost

$3,397

$6,764

Foremost

$3,431

$6,850

Progressive

$3,437

$7,914

Allstate

$3,566

$6,309

Foremost

$3,593

$15,615

Allstate

$3,675

$5,360

Progressive

$3,677

$15,786

Foremost

$3,753

$6,498

Foremost

$3,768

$16,306

Foremost

$3,845

$6,447

Progressive

$4,085

$17,675

Progressive

$4,093

$18,261

Allstate

$4,209

$7,475

Allstate

$4,345

$6,335

Progressive

$4,350

$18,678

Progressive

$4,497

$20,127

Progressive

$4,753

$20,566

Allstate

$5,406

$7,557

Allstate

$6,361

$8,909

Allstate

$6,584

$9,203

Allstate

$7,120

$13,098

Allstate

$7,753

$10,858

Allstate

$8,390

$15,484

The policy cost will be significantly higher if a teen driver buys a policy compared to being on a family policy. And it is usually illegal for a teen under 18 to purchase auto insurance without a parent or guardian as a co-signer.

For instance, MoneyGeek found that a 16-year-old male driver in Dallas will pay an average of $7,077 per year for their full coverage policy, while the cost of a family policy is around $3,810 per year.

You can find cheap car insurance for teens by comparing rates from different insurers.

Cheapest Car Insurance in Dallas for Military Drivers

On average, the most affordable full coverage car insurance for active-duty military or veterans in Dallas is with the following:

  • State Farm: $793 per year
  • Texas Farm Bureau: $937 per year

USAA is also an ideal option, as it offers auto insurance policies tailored to and restricted to members of the military community. The company offers cheap military car insurance in Dallas at roughly $950 annually for full coverage.

As of October 2022, State Farm also offers the cheapest minimum coverage policy in Dallas, costing around $387 annually. USAA is the second cheapest, with an average cost of $434 annually.

Although GEICO was not one of the cheapest options for full or minimum coverage in Dallas as an active-duty military member or veteran in MoneyGeek's study, you may want to get a quote from the company. It has discounts available for the military community that may reduce your premium substantially.

Company
Annual Premium
Monthly Premium

State Farm

$361

$30

State Farm

$387

$32

Texas Farm Bureau

$387

$32

USAA

$434

$36

Texas Farm Bureau

$446

$37

Allstate

$456

$38

Mercury

$461

$38

USAA

$463

$39

Allstate

$468

$39

State Farm

$473

$39

Mercury

$503

$42

USAA

$522

$44

AAA Texas

$553

$46

Nationwide

$571

$48

Allstate

$572

$48

Texas Farm Bureau

$573

$48

AAA Texas

$584

$49

Nationwide

$599

$50

Mercury

$600

$50

GEICO

$610

$51

Progressive

$619

$52

Progressive

$634

$53

GEICO

$641

$53

Chubb

$697

$58

GEICO

$701

$58

AAA Texas

$710

$59

State Farm

$721

$60

National General

$743

$62

Progressive

$747

$62

Foremost

$754

$63

Chubb

$766

$64

National General

$767

$64

Texas Farm Bureau

$777

$65

State Farm

$793

$66

Nationwide

$809

$67

Foremost

$884

$74

Allstate

$923

$77

USAA

$934

$78

Texas Farm Bureau

$937

$78

National General

$944

$79

USAA

$950

$79

Nationwide

$974

$81

Allstate

$1,006

$84

State Farm

$1,022

$85

Mercury

$1,027

$86

Foremost

$1,036

$86

GEICO

$1,072

$89

Mercury

$1,081

$90

GEICO

$1,094

$91

AAA Texas

$1,142

$95

AAA Texas

$1,150

$96

Texas Farm Bureau

$1,157

$96

USAA

$1,158

$97

Nationwide

$1,201

$100

GEICO

$1,284

$107

Dairyland

$1,305

$109

Chubb

$1,345

$112

Allstate

$1,348

$112

Dairyland

$1,349

$112

Chubb

$1,374

$115

Mercury

$1,406

$117

Nationwide

$1,458

$121

AAA Texas

$1,501

$125

Progressive

$1,522

$127

Foremost

$1,559

$130

Chubb

$1,579

$132

Progressive

$1,585

$132

National General

$1,599

$133

Dairyland

$1,600

$133

Foremost

$1,677

$140

National General

$1,745

$145

National General

$1,974

$164

Progressive

$1,985

$165

Foremost

$2,090

$174

Dairyland

$2,163

$180

Dairyland

$2,396

$200

Chubb

$2,476

$206

Dairyland

$2,935

$245

How to Compare Cheap Dallas Car Insurance Quotes Online

In Dallas, Texas, comparing car insurance quotes online can be a time-consuming process requiring you to share personal information.

However, with MoneyGeek's car insurance calculator, you can quickly get a ballpark estimate based on basic information such as your age, vehicle type, coverage level and driving record. Our convenient tool helps you save time and gain insight into your expected car insurance premiums, all while ensuring accuracy and reliability.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Cheapest Car Insurance in Dallas for Young Adults

The following companies, on average, offer the cheapest full coverage car insurance for young adults in Dallas:

  • State Farm: $1,022 per year
  • Texas Farm Bureau: $1,157 per year

Dairyland is the most expensive car insurance company in Dallas for young adults with full coverage, with an average annual policy cost of $2,935.

A 25-year-old driver pays an average of $1,703 per year for full coverage in Dallas, while the average cost is $1,314 per year for a 40-year-old driver.

Insurers generally charge higher rates to young drivers because they are more at risk of getting into accidents.

Company
Annual Premium
Monthly Premium

State Farm

$361

$30

State Farm

$387

$32

Texas Farm Bureau

$387

$32

Texas Farm Bureau

$446

$37

Allstate

$456

$38

Mercury

$461

$38

Allstate

$468

$39

State Farm

$473

$39

Mercury

$503

$42

AAA Texas

$553

$46

Nationwide

$571

$48

Allstate

$572

$48

Texas Farm Bureau

$573

$48

AAA Texas

$584

$49

Nationwide

$599

$50

Mercury

$600

$50

GEICO

$610

$51

Progressive

$619

$52

Progressive

$634

$53

GEICO

$641

$53

Chubb

$697

$58

GEICO

$701

$58

AAA Texas

$710

$59

State Farm

$721

$60

National General

$743

$62

Progressive

$747

$62

Foremost

$754

$63

Chubb

$766

$64

National General

$767

$64

Texas Farm Bureau

$777

$65

State Farm

$793

$66

Nationwide

$809

$67

Foremost

$884

$74

Allstate

$923

$77

Texas Farm Bureau

$937

$78

National General

$944

$79

Nationwide

$974

$81

Allstate

$1,006

$84

State Farm

$1,022

$85

Mercury

$1,027

$86

Foremost

$1,036

$86

GEICO

$1,072

$89

Mercury

$1,081

$90

GEICO

$1,094

$91

AAA Texas

$1,142

$95

AAA Texas

$1,150

$96

Texas Farm Bureau

$1,157

$96

Nationwide

$1,201

$100

GEICO

$1,284

$107

Dairyland

$1,305

$109

Chubb

$1,345

$112

Allstate

$1,348

$112

Dairyland

$1,349

$112

Chubb

$1,374

$115

Mercury

$1,406

$117

Nationwide

$1,458

$121

AAA Texas

$1,501

$125

Progressive

$1,522

$127

Foremost

$1,559

$130

Chubb

$1,579

$132

Progressive

$1,585

$132

National General

$1,599

$133

Dairyland

$1,600

$133

Foremost

$1,677

$140

National General

$1,745

$145

National General

$1,974

$164

Progressive

$1,985

$165

Foremost

$2,090

$174

Dairyland

$2,163

$180

Dairyland

$2,396

$200

Chubb

$2,476

$206

Dairyland

$2,935

$245

Cheapest Car Insurance in Dallas for Seniors

MoneyGeek found the following companies offer, on average, the most affordable car insurance for seniors with full coverage car insurance in Dallas:

  • State Farm: $721 per year
  • Texas Farm Bureau: $777 per year

Dairyland offers seniors the most expensive full coverage car insurance in Dallas, charging around $2,163 annually.

The average annual premium for a 40-year-old driver is $1,314 per year in Dallas, while a 65-year-old driver pays roughly $1,255 per year.

Car insurance rates are generally higher for seniors than middle-aged adults due to an increased risk of accidents, but that’s not the case in Dallas.

Company
Annual Premium
Monthly Premium

State Farm

$361

$30

State Farm

$387

$32

Texas Farm Bureau

$387

$32

Texas Farm Bureau

$446

$37

Allstate

$456

$38

Mercury

$461

$38

Allstate

$468

$39

State Farm

$473

$39

Mercury

$503

$42

AAA Texas

$553

$46

Nationwide

$571

$48

Allstate

$572

$48

Texas Farm Bureau

$573

$48

AAA Texas

$584

$49

Nationwide

$599

$50

Mercury

$600

$50

GEICO

$610

$51

Progressive

$619

$52

Progressive

$634

$53

GEICO

$641

$53

Chubb

$697

$58

GEICO

$701

$58

AAA Texas

$710

$59

State Farm

$721

$60

National General

$743

$62

Progressive

$747

$62

Foremost

$754

$63

Chubb

$766

$64

National General

$767

$64

Texas Farm Bureau

$777

$65

State Farm

$793

$66

Nationwide

$809

$67

Foremost

$884

$74

Allstate

$923

$77

Texas Farm Bureau

$937

$78

National General

$944

$79

Nationwide

$974

$81

Allstate

$1,006

$84

State Farm

$1,022

$85

Mercury

$1,027

$86

Foremost

$1,036

$86

GEICO

$1,072

$89

Mercury

$1,081

$90

GEICO

$1,094

$91

AAA Texas

$1,142

$95

AAA Texas

$1,150

$96

Texas Farm Bureau

$1,157

$96

Nationwide

$1,201

$100

GEICO

$1,284

$107

Dairyland

$1,305

$109

Chubb

$1,345

$112

Allstate

$1,348

$112

Dairyland

$1,349

$112

Chubb

$1,374

$115

Mercury

$1,406

$117

Nationwide

$1,458

$121

AAA Texas

$1,501

$125

Progressive

$1,522

$127

Foremost

$1,559

$130

Chubb

$1,579

$132

Progressive

$1,585

$132

National General

$1,599

$133

Dairyland

$1,600

$133

Foremost

$1,677

$140

National General

$1,745

$145

National General

$1,974

$164

Progressive

$1,985

$165

Foremost

$2,090

$174

Dairyland

$2,163

$180

Dairyland

$2,396

$200

Chubb

$2,476

$206

Dairyland

$2,935

$245

Cheapest Car Insurance in Dallas for Poor Credit

The following companies offer the average cheapest rate to drivers looking for full coverage with a poor credit history in Dallas:

  • Mercury: $1,518 per year
  • Allstate: $1,532 per year

State Farm charges the highest rate for full coverage car insurance for drivers with bad credit. Its policy in Dallas costs roughly $4,310 per year.

MoneyGeek found that drivers with a poor credit history pay an average of $1,067 per year or 81% more for a full coverage policy than those with good credit.

Company
Annual Premium
Monthly Premium

Mercury

$644

$54

Allstate

$679

$57

Allstate

$697

$58

Mercury

$704

$59

Nationwide

$755

$63

Nationwide

$794

$66

Texas Farm Bureau

$819

$68

Mercury

$844

$70

Allstate

$852

$71

AAA Texas

$867

$72

Foremost

$903

$75

AAA Texas

$917

$76

Texas Farm Bureau

$947

$79

Progressive

$969

$81

Progressive

$990

$82

Foremost

$1,061

$88

National General

$1,075

$90

Nationwide

$1,086

$90

AAA Texas

$1,114

$93

National General

$1,115

$93

Progressive

$1,169

$97

Texas Farm Bureau

$1,220

$102

Chubb

$1,233

$103

Foremost

$1,245

$104

National General

$1,320

$110

Chubb

$1,355

$113

Allstate

$1,401

$117

Nationwide

$1,471

$123

Mercury

$1,518

$127

Allstate

$1,532

$128

Mercury

$1,588

$132

Nationwide

$1,615

$135

Dairyland

$1,621

$135

Dairyland

$1,681

$140

Texas Farm Bureau

$1,721

$143

GEICO

$1,760

$147

GEICO

$1,765

$147

AAA Texas

$1,794

$150

AAA Texas

$1,806

$150

Foremost

$1,902

$158

GEICO

$1,911

$159

State Farm

$1,961

$163

Dairyland

$1,991

$166

Foremost

$2,041

$170

Allstate

$2,054

$171

Mercury

$2,082

$173

Texas Farm Bureau

$2,091

$174

State Farm

$2,105

$175

Nationwide

$2,153

$179

AAA Texas

$2,358

$197

Chubb

$2,381

$198

Chubb

$2,432

$203

Progressive

$2,521

$210

Foremost

$2,550

$213

State Farm

$2,573

$214

Texas Farm Bureau

$2,581

$215

Progressive

$2,635

$220

National General

$2,645

$220

Dairyland

$2,727

$227

National General

$2,764

$230

Chubb

$2,795

$233

GEICO

$2,967

$247

Dairyland

$3,050

$254

GEICO

$3,120

$260

Progressive

$3,306

$275

National General

$3,437

$286

GEICO

$3,501

$292

Dairyland

$3,722

$310

State Farm

$3,922

$327

State Farm

$4,310

$359

Chubb

$4,386

$366

State Farm

$5,556

$463

Insurers believe that drivers with bad credit scores or lower credit-based insurance scores generally file more claims, which causes them to charge them more. Besides improving their credit score over time, such drivers can look for discounts, bundle different policies and compare quotes to find a cheaper policy.

Cheapest Car Insurance in Dallas for Sports Cars

MoneyGeek found that the following companies offer, on average, the most affordable car insurance for drivers with sports cars in Dallas with a full coverage policy:

  • State Farm: $974 per year
  • GEICO: $1,227 per year

Dairyland is the most expensive car insurance company with a sports car in Dallas, costing an average of $2,464 annually.

MoneyGeek found that insuring a Ford Mustang sports car in Dallas is around 24% more expensive than a standard Toyota Camry, costing roughly $309 more a year.

Company
Annual Premium
Monthly Premium

State Farm

$397

$33

State Farm

$426

$36

Allstate

$461

$38

Allstate

$473

$39

GEICO

$514

$43

State Farm

$520

$43

GEICO

$538

$45

Nationwide

$557

$46

Allstate

$577

$48

Nationwide

$584

$49

GEICO

$585

$49

Progressive

$594

$50

Progressive

$612

$51

Foremost

$710

$59

Progressive

$737

$61

Chubb

$779

$65

Nationwide

$788

$66

Foremost

$839

$70

Chubb

$856

$71

State Farm

$887

$74

State Farm

$974

$81

Foremost

$997

$83

Allstate

$1,133

$94

GEICO

$1,142

$95

Nationwide

$1,146

$96

GEICO

$1,227

$102

Dairyland

$1,229

$102

Allstate

$1,265

$105

Dairyland

$1,271

$106

State Farm

$1,271

$106

Nationwide

$1,440

$120

GEICO

$1,442

$120

Chubb

$1,503

$125

Dairyland

$1,507

$126

Chubb

$1,608

$134

Allstate

$1,717

$143

Foremost

$1,723

$144

Progressive

$1,741

$145

Nationwide

$1,757

$146

Foremost

$1,804

$150

Chubb

$1,848

$154

Progressive

$2,044

$170

Dairyland

$2,194

$183

Foremost

$2,333

$194

Dairyland

$2,464

$205

Progressive

$2,604

$217

Chubb

$2,888

$241

Dairyland

$3,021

$252

MoneyGeek used a Ford Mustang to represent a sports car when collecting quotes in Dallas. But your car insurance cost may vary based on your sports car’s make and model. Also, luxury, electric and sports cars tend to cost the most to insure.

mglogo icon
WHAT RATING FACTORS INFLUENCE THE COST OF CAR INSURANCE IN DALLAS?

There are no restrictions in Texas on what rating factors insurers can use to calculate your premium. Your gender, age, marital status, employment status and occupation, level of education, motor vehicle record, vehicle type, ZIP code and more may affect how much you pay for car insurance in Dallas. Getting quotes from multiple companies is a smart choice since each may weigh factors differently. For example, one company may charge a great deal more to drivers with bad credit, a speeding ticket or who are single than another.

Average Cost of Car Insurance in Dallas

The average cost of car insurance in Dallas for a full coverage policy is $1,314 per year, around $113 more than the average car insurance cost in Texas and about $49 more than the national average. Your location significantly affects your auto insurance rate.

On average, car insurance in Dallas is $174 more a year than in Corpus Christi and $182 more annually than in Denton.

The rates discussed are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident, which are limits recommended by insurance professionals.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Wichita Falls

$965

$426

San Angelo

$1,001

$410

Abilene

$1,016

$436

College Station

$1,032

$500

Midland

$1,037

$461

Waco

$1,038

$491

Killeen

$1,052

$503

El Paso

$1,093

$495

Lubbock

$1,095

$499

Round Rock

$1,098

$542

Odessa

$1,128

$490

Denton

$1,132

$558

Tyler

$1,135

$554

Corpus Christi

$1,140

$578

Lewisville

$1,151

$572

Allen

$1,158

$571

Austin

$1,159

$571

Frisco

$1,159

$574

Fort Worth

$1,168

$563

McKinney

$1,171

$573

Arlington

$1,174

$576

Plano

$1,207

$596

Amarillo

$1,209

$512

San Antonio

$1,220

$601

League City

$1,221

$607

Sugar Land

$1,242

$623

Beaumont

$1,242

$623

Laredo

$1,249

$557

Irving

$1,251

$606

Richardson

$1,256

$620

Carrollton

$1,257

$617

The Woodlands

$1,267

$639

Pasadena

$1,274

$630

Brownsville

$1,276

$622

Grand Prairie

$1,287

$630

Pearland

$1,298

$645

Mesquite

$1,302

$639

Dallas

$1,314

$640

Garland

$1,322

$657

McAllen

$1,364

$668

Houston

$1,436

$699

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.