Best Auto Insurance Rates in Dallas, Texas

Compare Auto Insurance in Dallas

Wednesday, June 6 2018 By Larry Canonica

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 Dallas Car Insurance Rates

How much is car insurance in Dallas, TX? Premiums have been rising steadily for years and now insurance rates in Dallas are more expensive than both the state and national average. The average cost of car insurance in Dallas is $1,329 per year for men and $1,383 for women. Dallas drivers pay nearly double the annual amount paid for average auto insurance in Texas. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices will vary depending on your driving record and the total number of claims filed in your zip code.

Dallas, TX Average Annual Car Insurance Rates

Coverage	Men	Women
Liability	$797	$874
Collision	$425	$409
Comprehensive	$107	$99
Total Cost Per Year	$1,329	$1,383
Price Per Month	$110.75	$115.25
Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers renting in Dallas owning a 2010 Honda Accord. Our rate profiles defined males and females who are currently insured, clean driving record and drive less than 10,000 annual miles. Coverage includes Texas state liability minimum of $30,000/$60,000/$25,000. And 30/60/25 underinsured motorist coverage with $2,500 personal injury protection. Plus a $500 comprehensive and collision deductible.

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

QuoteWizard helps consumers compare quotes from both top national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Dallas, Texas and save up to 40% on your premium.

Last year, QuoteWizard helped 30,611 residents of “The Big D” compare auto insurance quotes in Dallas, TX from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Dallas

These are the most common car insurance companies reported by QuoteWizard users in Dallas, TX last year. Of these users, 5,351 were uninsured when they requested a quote.

Other popular Dallas, Texas auto insurance companies: Safeco, MetLife, American Family, Country Financial, Texas Farm Bureau, Travelers, Hartford, and 21st Century.

Top 10 Vehicles in Dallas

This is our list of the most common car makes and models owned by Dallas drivers that used QuoteWizard last year.

Minimum Car Insurance Requirements

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.

Dallas Drivers

According to a recent report published by Allstate, Dallas drivers don’t score very highly when it comes to safety. Dallas ranked 178th out of 200 cities for safe driving. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 6.8 years. Of the 30,611 Dallas drivers that used QuoteWizard last year to request quotes, 1,805 said they had incidents on their driving record.

Driving Conditions

Severe weather, less-than-safe driving, and sub-par road conditions combine to cause problems for Dallas drivers, and increase their insurance rates.

Weather

Largely, Dallas weather is a tale of two extremes: hot and humid in the summer, cold and dry in the winter. Spring and fall are pleasant, but springtime storms are frequently severe and dump a lot of rain onto city streets creating slick driving conditions and flooding. Snowfall is rare and the city is paralyzed when it does.

Road Conditions

The Dallas City Council voted to defer some street maintenance projects to save money in 2012. The result is that many city roads are in a sorry state, and in serious need of repair. The increasing number of potholes is troubling because of the damage they can cause. This damage can be severe enough to warrant an insurance claim.

According to TRIP, 84% of the major roads here are in either poor or mediocre condition. The poor condition of Dallas city streets costs area drivers an additional $791 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

TomTom has ranked Dallas as having the 34th worst traffic congestion in the United States. An average commuter spends an extra 23 minutes per hour stuck in traffic for every 60 minutes spent commuting during peak hour and an extra 90 hours a year for commutes lasting 30 minutes.

Moving Violations

Moving violations like speeding tickets, at-fault accidents, and drunk driving will add points to your driver's license and give you a bad driving record. If this happens, you'll be forced to get car insurance for bad drivers, also known as high-risk auto insurance.

Traffic Tickets

The Dallas Municipal Court website allows you to pay traffic citations, tells drivers how to contest tickets, and provides helpful traffic court information.

Dallas police wrote more than 211,843 traffic citations for moving violations in 2013, a decrease of 14.8% from the number of citations written in 2012.

Red Light Cameras

Dallas has numerous intersections equipped with red light cameras. This Dallas Police Department Automated Red Light Camera Enforcement Program web page includes instructions on how to pay or fight your automated red light ticket.

DWI Arrests

Dallas police made 1,598 arrests for suspicion of driving while intoxicated (DWI) in 2015. This is down nearly 50% from the 3,481 DWI arrests made in 2009. The Dallas police DWI squad went from 10 officers to one in this period. This is probably a factor in the reduced number of DWI arrests.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from top companies that specialize in Dallas DWI insurance.

Car Accident Statistics

Dallas officials reported 35,433 car crashes in 2016. These crashes resulted in 20,349 injuries, 1,137 of them incapacitating.

DWI Crashes and Injuries

Dallas reported 1,310 crashes involving alcohol or drugs in 2016. These accidents caused 979 injuries and 56 fatalities involving impaired drivers.

Traffic Fatalities

Dallas Police reported 180 fatal collisions in 2016 resulting in 192 deaths in motor vehicle crashes.

This works out to a fatality rate of 4.25 per 100,000 residents. All traffic deaths are a tragic loss, and considering the estimated population of 1,317,929 Dallas is a safe city in terms of traffic fatalities per capita.

Vehicle Theft Rates

Dallas Police reported 7,614 car thefts in 2016. A rate of 586 per 1,000 residents. This is more than twice the national rate of 2.20 thefts per 1,000 people.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are a great way to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in in Dallas, TX depending on your carrier. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companies.

1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling your policies and vehicles under one policy can save you up to 15% off your premium
2. Drivers 55 and older can get the senior discount or the 55 and retired discount
3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
4. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
5. Keep your driving record clean and free of tickets and at-fault accidents. You might qualify for a good driving or accident free discount
6. Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
7. Drive less. Living close to work can lower your rates if you qualify for the low mileage discount
8. Go to driving school and take a defensive driving course
9. Maintain at least a B grade point average in school to qualify for the good student discount
10. Shop around and compare affordable car insurance quotes in Dallas and discover every auto insurance discount you may be missing out on

Car insurance agents near Dallas, TX:

Sources:

• City of Dallas
• City of Dallas, TX Municipal Court
• Texas Motor Vehicle Crash Statistics - 2016
• Dallas Texas Crime Rates
• National Highway Traffic Safety Administration
• United States Census Bureau - Dallas, TX
• Dallas, TX Transportation by the Numbers - TRIP

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