Best Auto Insurance Rates in Dallas, Texas
On average, your neighbors pay $78 a month.
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Dallas, Texas sits in the middle of a spiderweb of highways crisscrossing the city. With Interstates, 20, 30, 35, 45, and 635, plus state highways, there are many miles of road and many places to go. That means finding affordable car insurance is an important consideration.
Average Cost of Car Insurance in Dallas
Insurance rates across Texas are generally cheaper than the rest of the country, but that’s not the case in Dallas.
- Average Rate in Dallas: $78/month
- Average Rate in Texas: $64/month
- Average National Rate: $74/month
Texas minimum liability insurance costs $78 a month in Dallas. That makes it one of the most expensive cities in Texas to insure a car.
It’s no surprise—being a massive metro area of 7 million people means there’s plenty of risk on the roads to insurance companies. More drivers on the road equals more accidents and higher insurance rates. Only Houston out ranks Dallas when comparing car insurance rates in Texas, averaging $83 a month.
How Much Does It Cost to Add Collision and Comprehensive?
We compiled rate data using the Texas minimum liability coverage requirements 30/60/25. We always recommend adding additional collision and comprehensive coverage to cover additional damage costs. In Dallas it only costs $35 a month to add collision coverage and $8 a month for comprehensive.
- Average Collision Cost in Texas: $35/month
- Average Comprehensive Cost in Texas: $8/month
Combining state minimum liability coverage with collision and comprehensive coverage costs Dallas drivers an average $121 a month. As always, car insurance rates vary from person to person and company to company.
The Cheapest Car Insurance Companies in Dallas
| Insurance Company | Monthly Premium | |
|---|---|---|
| Texas Farm Bureau | $47 | |
| State Farm | $54 | |
| Southern Mutual | $59 | |
| GEICO | $61 | |
| Dallas Average | $78 | |
| MetLife | $80 | |
| Progressive | $85 | |
| Colonial | $88 | |
| Allstate | $89 | |
| Mercury | $100 | |
| The General | $116 | |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. 1 | ||
If you’re looking for the cheapest car insurance rate, regional carriers like Texas Farm Bureau ($47 a month) and Southern Mutual ($59 a month) are usually your best bet. Regional carriers are typically able to offer the cheapest rates because their overall risk profile is less than the larger nationwide carriers.
That said, national carriers like State Farm and Geico can offer cheap car insurance rates too. It’s not always the case, but in certain places (like Dallas) State Farm ($54 a month) and GEICO ($61 a month) are able to offer cheaper rates than the citywide average.
The average company rates you see above will not always reflect your driver profile. Depending on the many factors insurance companies look at when determining rates, your rates could be significantly different than the rates you see above. The best way to find our which car insurance company has the cheapest rate for you is to compare quotes from multiple companies. QuoteWizard can get help you compare from a handful of companies in minutes.
Cheapest Car Insurance for People with Tickets and Accidents in Dallas
Drivers with incidents on their record will pay more for car insurance. In Dallas, just one incident on your record adds an extra $7 per month to your premium. Some companies will charge you significantly more than others if you have a bad driving record. However, there are still companies that charge cheap rates with a blemished record.
| Company | Premium |
|---|---|
| Texas Farm Bureau | $47 |
| State Farm | $55 |
| Southern County | $65 |
| Geico | $70 |
| Metropolitan Lloyds | $81 |
| Dallas Average | $85 |
| Allstate | $90 |
| Colonial | $103 |
| Progressive | $104 |
| The General | $116 |
| Mercury | $127 |
Cheap and Expensive Neighborhoods for Car Insurance in Dallas
Cheapest Dallas Neighborhood for Car Insurance
| Neighborhood | Zip code | Premium |
|---|---|---|
| Far north Dallas | 75252 | $72 |
| Far north Dallas | 75287 | $72 |
| Lochwood and Casa Linda | 75218 | $73 |
| Farmers Branch | 75234 | $73 |
| Bluffview | 75209 | $74 |
Most Expensive Neighborhoods for Car Insurance
| Neighborhood | Zip code | Premium |
|---|---|---|
| Downtown | 75207 | $86 |
| Downtown | 75242 | $85 |
| West Dallas | 75247 | $84 |
| Downtown | 75241 | $84 |
| SE Oak Cliff | 75260 | $83 |
How Bad are Dallas Drivers?
As we’ve seen above, just one incident can cost you nearly $100 a year in car insurance increases. With Dallas being one of the largest metro areas in the country, there are plenty of drivers on the road to cause accidents or display bad driving behaviors. In 2017, Dallas reported 25,267 car crashes. Plenty of car crashes for a highly populated city.
According to QuoteWizard’s best and worst driving city study, Dallas rated among the best drivers in the country. Coming in at 11th best driving city among the biggest cities in the country. Dallas was the third best driving city in the state of Texas, behind Houston (#8) and El Paso (#3).
Minimum Car Insurance Requirements in Dallas, TX
Dallas, Texas has a minimum liability coverage requirement known as the 30/60/25 rule. This means each policy must include at least the following three components:
- Individual Bodily Injury Liability (BIL): $30,000: The most your insurance company will pay for an individual person injured in a car accident.
- Total Bodily Injury Liability: $60,000: The maximum your insurer will pay in total for every person injured in a car accident.
- Property Damage Liability (PDL): $25,000: The total amount your insurance carrier will pay for property damage caused by a car accident.
Rate Methodology
1 Auto insurance rate data was provided by Quadrant Information Services. Rates are based on a driver profile of a 35-year-old, owning a 2015 Toyota Camry, drives less than 10,000 annual miles, good credit, and state minimum liability of 30/60/25. Rates are an average of the top 10 insurance companies in the state of Texas.
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