USAA offers the cheapest car insurance in Dallas, beginning with minimum-coverage rates for a typical driver averaging $66 a month. However, if you’re not in the military community, you may find the lowest rates from State Farm, Allstate or GEICO, depending on your age and driving record. Here’s what you need to know about finding cheap car insurance in Dallas.
In this article
Which companies offer the cheapest car insurance in Dallas?
Our in-depth analysis of car insurance quotes in Dallas shows that USAA offers the lowest rates to a wide range of drivers, including those with a clean record, those with certain prior accidents or violations, seniors and teens.
USAA’s car insurance is only available to current and former members of the military and their families. Among companies serving the general public, State Farm offers the lowest car insurance rates for many driver profiles, but GEICO is cheapest for teens.
Cheap minimum-coverage car insurance in Dallas
USAA’s rate dominance includes the cheapest prices on minimum-coverage car insurance in Dallas, averaging $66 a month for a typical driver with a clean record. This is considerably lower than the next-best rates, available from State Farm, $126 a month, and GEICO, $129 a month.
| Company | Monthly rate |
|---|---|
| USAA | $66 |
| City average | $118 |
| State Farm | $126 |
| GEICO | $129 |
| Allstate | $151 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
A minimum-coverage policy in Dallas meets Texas’s 30/60/25 insurance requirements, which includes the following coverages and limits:
- Bodily injury liability: $30,000 per person/$60,000 per accident
- Property damage liability: $25,000 per accident
Liability generally covers other people’s medical expenses and car repair bills if you cause an accident, but not your own injuries or vehicle damage.
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Cheapest full-coverage car insurance in Dallas
USAA offers the cheapest rate on full-coverage car insurance, with an average rate of $129 a month for a typical driver with a clean record. The next-best rates are available from State Farm, $221 a month, and GEICO, $224 a month.
| Company | Monthly rate |
|---|---|
| USAA | $129 |
| State Farm | $221 |
| City average | $223 |
| GEICO | $224 |
| Allstate | $319 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage car insurance includes higher liability limits than a minimum-coverage policy as well as collision coverage and comprehensive coverage, which cover damage to your own vehicle. Though collision and comprehensive coverages are not required by law, both are typically required for a car loan or a lease.
Cheap car insurance for Dallas drivers with a ticket or accident
USAA offers the cheapest rates for Dallas drivers with a prior speeding ticket, $145 a month for full coverage, and to those with a prior accident, $201 a month.
The next-best rates for drivers with a speeding ticket are available from GEICO, $271 a month, and State Farm, $279 a month.
The best non-USAA for Dallas drivers with an accident history are available from State Farm, $312 a month, and GEICO, $341 a month.
| Company | Monthly rate |
|---|---|
| USAA | $145 |
| City average | $253 |
| GEICO | $271 |
| State Farm | $279 |
| Allstate | $319 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
GEICO$341
| Company | Monthly rate |
|---|---|
| USAA | $201 |
| State Farm | $312 |
| City average | $336 |
| GEICO | $341 |
| Allstate | $491 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheap car insurance for Dallas drivers with a DUI
USAA offers the cheapest car insurance for drivers with a DUI, with rates averaging $195 a month for full coverage, followed by GEICO, $383 a month, and State Farm, $409.
The average insurance rate available to a Dallas driver with a DUI is $365 a month. This is 64% higher than the average rate available to a driver with a clean record.
| Company | Monthly rate |
|---|---|
| USAA | $195 |
| City average | $365 |
| GEICO | $383 |
| State Farm | $409 |
| Allstate | $473 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
What is the average cost of car insurance in Dallas?
The average cost of car insurance in Dallas is $118 a month for minimum coverage and $223 a month for full coverage. For comparison, the average rate in Texas for minimum-coverage car insurance is $120 a month, and the average rate of full-coverage car insurance is $205 a month.
| Location | Minimum coverage | Full coverage |
|---|---|---|
| Dallas | $118 | $223 |
| Texas state average | $120 | $205 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Insurance companies review several factors to determine your rate, including:
- Your age
- Driving record
- ZIP code
- Credit and insurance history
- Your vehicle
Since each company uses a different algorithm, you may qualify for a considerably lower rate with one company than you do with others. This is why it’s best to compare quotes from multiple companies when you shop.
Who has cheap car insurance for teens and seniors in Dallas?
USAA also offers the cheapest rates to teen drivers and seniors in Dallas, while the next cheapest companies vary by age.
Cheapest car insurance for Dallas teens
USAA charges the lowest rates to Dallas teens, with rates for 18-year-olds averaging $127 a month for minimum coverage and $246 a month for full coverage.
The next-best rates for teens are available from GEICO, which charges 18-year-olds an average of $254 a month for minimum coverage and $467 a month for full coverage.
| Company | Monthly rate |
|---|---|
| USAA | $127 |
| GEICO | $254 |
| City average | $309 |
| Allstate | $402 |
| State Farm | $452 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
| Company | Monthly rate |
|---|---|
| USAA | $246 |
| GEICO | $467 |
| City average | $613 |
| State Farm | $794 |
| Allstate | $944 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Teens have the highest crash rate among all age groups, and this is one of the main reasons why insurance companies charge such high rates to teen drivers.
If you are a teen, you can usually get a lower rate on car insurance when you are added to a policy of a parent or guardian. If you maintain a clean driving record, you are likely to qualify for considerably more affordable car insurance rates in your 20s.
Cheapest car insurance for senior citizens in Dallas
USAA offers the cheapest rates to senior citizens in Dallas, charging 65-year-olds $69 a month for minimum-coverage car insurance and $124 a month for full coverage.
The best non-USAA rates for minimum coverage for seniors are available from Allstate, $116 a month, and State Farm, $120 a month. For full coverage, the best non-USAA rates are available from State Farm, $204 a month, and GEICO, $212 a month.
| Company | Monthly rate |
|---|---|
| USAA | $69 |
| City average | $109 |
| Allstate | $116 |
| State Farm | $120 |
| GEICO | $131 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
| Company | Monthly rate |
|---|---|
| USAA | $124 |
| City average | $190 |
| State Farm | $204 |
| GEICO | $212 |
| Allstate | $219 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
As an age group, senior citizens have a slightly higher crash rate than middle-aged drivers. This is one of the main reasons why your insurance rates may rise in your retirement years.
Insurance companies often offer discounts to seniors who complete approved driver-education classes. Depending on the classes authorized by your insurance company, you may be able to complete your course online.
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How do auto insurance laws and requirements work in Dallas?
If you’re moving to Dallas from out of state, you should know that Texas’s auto insurance laws hold you financially responsible for injuries and/or damage you cause in an accident.
If your financial liabilities from an accident, or the costs of your own medical treatment and car repairs, exceed your insurance policy’s limits, you may have to cover them out of your own pocket. This is the main reason to consider coverages and limits that exceed the minimum requirements.
Comparative fault
Under Texas’s comparative fault laws, a driver’s liability from a car accident can be reduced if the other driver’s actions contribute to the accident.
For example, if you cause $10,000 damage to another driver’s car, but a judge determines that the other driver was 25% responsible for the accident, you (or your insurance company) owe the other driver $7,500.
Optional coverages
In addition to setting minimum requirements for liability coverage, Texas laws require insurance agents to offer personal injury protection (PIP) and uninsured/underinsured motorist (UM/UIM) coverage to all customers. Both coverages are highly recommended, but you can decline either or both of them.
- PIP covers medical treatment for injuries you and your passengers suffer in a car accident, regardless of fault. It also covers lost wages and provides other benefits.
- UM/UIM covers medical costs for you and your passengers, as well as car repairs, from an accident caused by an uninsured driver or one without enough insurance to cover your entire claim.
Medical payments (MedPay) and guaranteed asset protection (GAP) are among the additional coverages available in Texas on an optional basis.
MedPay covers medical treatment for injuries you and/or your passengers suffer in a car accident, regardless of fault, but does not include other PIP benefits, such as wage loss.
GAP covers the difference between your car’s market value, if it is totaled in an accident, and your loan balance. This could come in handy if your loan balance exceeds your car’s value, a situation also known as upside-down financing.
Frequently asked questions about Dallas car insurance
How much is car insurance in Dallas?
In Dallas, car insurance costs an average $118 a month for minimum coverage and $223 a month for full coverage.
What is the penalty for driving with no insurance in Dallas?
The penalty for driving without insurance in Texas is a $350 fine for a first offense. Penalties for subsequent offenses include a $1,000 fine and possible driver’s license suspension. Motorists are required to show proof of insurance during a traffic stop, and the state also uses an online insurance verification system.
Can you insure salvage title cars in Dallas?
In Dallas and elsewhere in Texas, insurance companies typically only insure salvage vehicles after they are rebuilt, pass a state safety inspection and have their title status upgraded to rebuilt-salvage.
Methodology
We obtained non-binding car insurance quotes for a typical driver in every Dallas ZIP code through Quadrant Information Services. Unless otherwise noted, a typical driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
Minimum-coverage insurance rates are based on a policy meeting Texas’s minimum requirements for liability coverage.
Full-coverage policies include the following additional coverages, limits and deductibles:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000
- Collision coverage: $500 deductible
- Comprehensive coverage: $500 deductible
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