Key Takeaways
- Texas Farm Bureau has the cheapest auto insurance in Dallas, charging $100 a month for full coverage and $51 a month for minimum coverage.
- The average cost of full-coverage insurance in Dallas is $179 a month, a good bit more than the statewide average of $157.
- The average rate for Dallas drivers also exceeds the average nationwide, which is $162.
In this article
The cheapest car insurance companies in Dallas, TX
Most drivers in Dallas will find Texas Farm Bureau to be the cheapest car insurance company. In fact, the provider offers the lowest average rates for:
- Full and minimum coverage
- Drivers with bad credit
- Young drivers
- Married drivers
If you are current or former military, or you’re related to someone who is, you may get the cheapest car insurance from USAA. USAA’s average rates are cheaper for drivers with bad credit or a DUI on their records, based on our data.
To find out which insurer has the cheapest rates for you, compare car insurance quotes from several companies.
Texas car insurance state minimums
Texas state law requires all drivers to carry liability insurance for personal injury and property damage liability. Specifically, all policies must include at least 30/60/25 coverage.
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
Cheapest minimum-coverage auto insurance rates in Dallas: Texas Farm Bureau
Texas Farm Bureau is the cheapest option for minimum-coverage car insurance in Dallas. The provider charges $51 a month, on average.
Citywide, the average cost of auto insurance is $92 a month if you buy minimum coverage. This means Texas Farm Bureau offers a 43% discount.
| Insurance company | Monthly rate |
|---|---|
| Texas Farm Bureau | $51 |
| GEICO | $80 |
| State Farm | $110 |
| Allstate | $110 |
| AAA | $111 |
| Progressive | $125 |
| USAA* | $57 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Cheapest full-coverage auto insurance rates in Dallas: Texas Farm Bureau
Texas Farm Bureau has the cheapest full-coverage auto insurance in Dallas, too. On average, the company offers a monthly premium of $100.
The average cost of full-coverage car insurance in Dallas is $179 a month. Texas Farm Bureau’s average rate is 44% less than that.
Full-coverage policies typically include comprehensive and collision coverages, in addition to liability coverage. However, drivers may also add coverage for medical payments, towing costs, rental fees and more.
| Insurance company | Monthly rate |
|---|---|
| Texas Farm Bureau | $100 |
| GEICO | $147 |
| State Farm | $203 |
| AAA | $207 |
| Allstate | $225 |
| Progressive | $261 |
| USAA | $111 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Get cheap car insurance in Dallas, Texas
Cheapest car insurance in Dallas for drivers with bad credit: Texas Farm Bureau
The cheapest car insurance for Dallas drivers with bad credit can be found at Texas Farm Bureau. There, drivers get an average monthly rate of $230 for full-coverage policies.
In Dallas, as in many cities, drivers with bad credit pay higher car insurance premiums. This is partly due to studies linking credit scores with overall driving risk.
| Insurance company | Monthly rate |
|---|---|
| Texas Farm Bureau | $230 |
| AAA | $321 |
| Allstate | $325 |
| GEICO | $403 |
| Progressive | $457 |
| State Farm | $1,258 |
| USAA | $194 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. | |
Cheapest car insurance for drivers with a prior incident
Texas Farm Bureau has the cheapest car insurance for drivers with a ticket or accident on their records. It also offers the lowest rates to drivers with a DUI.
Cheapest for drivers with a speeding ticket: Texas Farm Bureau
Drivers with a speeding ticket should head to Texas Farm Bureau for cheap car insurance, where the average monthly rate is $100. This is for full coverage; you’ll likely pay a lower rate if you get less coverage.
Texas Farm Bureau’s rate is notably low, especially considering the average Dallas driver with a speeding ticket pays $212 a month for full coverage.
| Insurance company | Monthly rate |
|---|---|
| Texas Farm Bureau | $100 |
| GEICO | $175 |
| Allstate | $225 |
| State Farm | $258 |
| AAA | $278 |
| Progressive | $324 |
| USAA | $125 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: Texas Farm Bureau
Texas Farm Bureau also leads the way in Dallas for drivers with an at-fault accident. It charges these drivers an average rate of $158 a month for full coverage, which is the city’s cheapest.
Citywide, the average car insurance rate for a driver with an accident on their record is $275 a month. That’s 54% more than what those with clean records pay.
| Insurance company | Monthly rate |
|---|---|
| Texas Farm Bureau | $158 |
| GEICO | $233 |
| State Farm | $286 |
| AAA | $321 |
| Allstate | $354 |
| Progressive | $402 |
| USAA | $172 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for drivers with a DUI: Texas Farm Bureau
For cheap car insurance with a DUI on your record in Dallas, go to Texas Farm Bureau. The company charges $200 a month, on average, for full-coverage policies.
In Dallas, the average driver with a DUI pays $282 a month for full coverage. That’s 57% more than what those with a clean record pay.
| Insurance company | Monthly rate |
|---|---|
| Texas Farm Bureau | $200 |
| GEICO | $282 |
| Progressive | $301 |
| AAA | $328 |
| Allstate | $343 |
| State Farm | $372 |
| USAA | $167 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
See how much you could save on car insurance
Cheapest car insurance for senior drivers: Texas Farm Bureau
Texas Farm Bureau has the cheapest car insurance for senior drivers in Dallas, charging an average $83 a month for full coverage.
Dallas seniors pay $163 a month for full coverage, on average, which is around $15 less than what the average 35-year-old pays. This is the case in many cities, as seniors are often seen by insurers as being safe, experienced and reliable drivers.
| Insurance company | Monthly rate |
|---|---|
| Texas Farm Bureau | $83 |
| GEICO | $138 |
| State Farm | $188 |
| AAA | $190 |
| Allstate | $209 |
| Progressive | $229 |
| USAA | $106 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. | |
Cheapest car insurance for young drivers: Texas Farm Bureau
Texas Farm Bureau is also the best source of cheap car insurance for young drivers in Dallas. It charges them $101 a month for minimum coverage and $178 a month for full coverage.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| Texas Farm Bureau | $101 | $178 |
| GEICO | $154 | $310 |
| AAA | $271 | $511 |
| State Farm | $350 | $648 |
| Allstate | $389 | $844 |
| Progressive | $603 | $1,345 |
| USAA | $104 | $204 |
| Rates are for an 18-year-old male with a clean driving record. | ||
Cheapest car insurance for married drivers: Texas Farm Bureau
Married drivers also get the best and lowest car insurance rates from Texas Farm Bureau, which charges an average $78 a month.
In many cases, married drivers enjoy lower rates than their single counterparts. That’s true in Dallas, where the average married driver pays $166 a month, while singles of the same age pay $179.
| Insurance company | Monthly rate |
|---|---|
| Texas Farm Bureau | $78 |
| GEICO | $160 |
| Allstate | $198 |
| AAA | $200 |
| State Farm | $203 |
| Progressive | $228 |
| USAA | $98 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. | |
Car insurance laws in Texas
No-fault car insurance
Texas is not a no-fault car insurance state. Instead, it’s an at-fault (or tort) state, where drivers can sue one another for damages following an accident. If a driver is deemed responsible, they’ll usually be liable to pay for some of the victim’s damages.
SR-22 insurance
In Texas, drivers are required to obtain an SR-22 form when returning from a suspension following a car crash, a civil judgment or a second conviction for driving without the state-mandated liability coverage.
Dallas car insurance: FAQs
The average cost of full-coverage insurance in Dallas is $179 a month. Meanwhile, the average cost of minimum-coverage insurance is $92 a month.
Texas Farm Bureau has the cheapest car insurance in Dallas, charging $51 a month for minimum coverage and $100 a month for full coverage.
Texas Farm Bureau has the cheapest car insurance rates for Dallas drivers with a DUI. It charges $200 a month, on average, for full coverage.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Dallas, Texas.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Sources:
Auto insurance by city
- Houston
- Dallas
- Austin
- San Antonio
- El Paso
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