Best Cheap Auto Insurance in Dallas, Georgia (2023)

Dallas drivers pay, on average, about 6% more per month for car insurance than the Georgia statewide average.

Elizabeth Rivelli
Elizabeth Rivelli
  • 5+ years writing insurance and personal finance topics

  • Auto, home, health, and life insurance expertise

Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated November 17, 2023 at 6:30 AM PST

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Around 15,000 people live in Dallas, Georgia, an exurb of Atlanta. The average cost of car insurance in Dallas is $315 per month, 127% more than the national average.

Dallas residents may face expensive auto insurance rates for a few different reasons. Though it has a fairly small population, the city has a relatively high population density of around 1,900 people per square mile.[1] The regularity of severe weather in Georgia also contributes to expensive auto rates in the state, due to the risk for potential damages.

Auto-Owners, State Farm, and COUNTRY Financial are some of the cheapest insurers in Dallas, Georgia. Here’s what you need to know about finding cheap car insurance in the Dallas area.

Quick Facts
  • Dallas drivers pay an average of $342 per month for full coverage and $287 for liability coverage, according to Insurify data.

  • Because Georgia is an at-fault state, the driver responsible for the accident must cover the other driver’s damages.[2]

  • Georgia auto insurers can consider your credit history when determining your premium.[3]

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Best car insurance companies in Dallas, Georgia

Drivers in Dallas, Georgia, have a number of quality options when it comes to finding affordable car insurance. However, the best car insurance company looks different for everyone. Comparing a few companies can help you find the best insurer for your needs.

Below, you can see some of the best car insurance companies in Dallas and what they stand out for.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$71/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$100/mo

Auto-Owners has the cheapest liability and full-coverage car insurance rates in Dallas. The company also offers policyholders a wide variety of discounts for additional savings. The company is also a good insurer if you want to customize your coverage. You can add endorsements like accident forgiveness, gap insurance, diminished value coverage, rental car coverage, and more.

Pros
  • Some of the lowest average rates for liability and full coverage in Dallas

  • Good variety of endorsements

Cons
  • Quotes not available online

  • Some poor customer reviews on Trustpilot

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for young drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$76/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$107/mo

State Farm is an excellent option for young drivers in Dallas. The company offers several discounts for student drivers — including the Steer Clear program and savings for good students, students away at school, and taking an approved defensive driving course. State Farm is also highly rated for overall customer satisfaction by J.D. Power.

Pros
  • Several discounts for young drivers

  • Excellent J.D. Power customer satisfaction rating

Cons
  • Fewer endorsements than some insurers

  • Gap insurance not available

I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.

Theresa - September 14, 2023
Verified

I really enjoyed working with them, I just couldn't keep up with the expensive rates.

Becki - September 13, 2023
Verified

I was 5 stars until the recent increase, without any explanation.

Norman - September 13, 2023
Verified
Read our State Farm review

Best insurer for military families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$89/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$125/mo

USAA sells insurance to active-duty, reserve, and retired military personnel, as well as select military family members. In addition to low rates, USAA also has lots of discounts. You can earn savings for being a good driver, garaging your vehicle on base, policy bundling, insuring a safe vehicle, and more. USAA also has high third-party ratings for overall customer satisfaction and financial strength.

Pros
  • Good selection of discounts

  • Great third-party ratings

Cons
  • Only available to military members and families

  • Gap insurance not available

They are the best in customer service.

Brenda - September 13, 2023
Verified

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023
Verified

Great operation since I was a Lt.

raymond - September 7, 2023
Verified
Read our USAA review

Cheapest liability-only car insurance in Dallas

All vehicle owners in Dallas, Georgia, must carry a minimum amount of liability coverage. Personal liability insurance covers your legal and financial responsibilities if you cause an accident and are liable for the other driver’s bodily injuries or property damage. It doesn’t cover any of your medical expenses or vehicle repairs.[4]

Minimum coverage is the cheapest type of car insurance available, but rates vary by insurance company. In the table below, you can see which Dallas car insurance companies have the cheapest rates for liability-only insurance.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Hugo61
Auto-Owners71
State Farm76
COUNTRY Financial77
Allstate83
Mile Auto84
USAA89
Progressive104
GEICO122
Safeco126
Mercury133
Liberty Mutual141
Clearcover142
AssuranceAmerica143
Direct Auto143
National General147
Elephant152
State Auto155
GAINSCO167
Infinity178
Nationwide183
Midvale Home & Auto188
Foremost211
The General232
Bristol West237
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Dallas

Full-coverage insurance provides more protection than liability insurance. A standard full-coverage policy includes liability, collision, comprehensive, and medical payments coverage. If you have an accident, full-coverage insurance can pay for your losses. It also covers your vehicle repairs following non-collision incidents like vandalism, fire, and weather events.

Here are the Dallas insurance companies with the cheapest full-coverage premiums.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Hugo70
Auto-Owners100
State Farm107
COUNTRY Financial108
Allstate117
USAA125
Mile Auto127
Progressive157
Travelers171
GEICO172
Direct Auto192
Mercury200
Elephant211
Safeco211
Nationwide235
Clearcover237
AssuranceAmerica245
Liberty Mutual249
State Auto249
Midvale Home & Auto251
National General302
Foremost316
GAINSCO331
Infinity341
The General377
Bristol West422
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Dallas

Georgia drivers must carry a minimum amount of car insurance, including bodily injury and property damage liability.[5] Georgia is a tort, or fault, state. In the event of an accident, the at-fault driver’s auto insurer compensates the other driver for their resulting medical expenses and vehicle repairs.

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$25,000 per accident

In addition to the required liability coverage, Dallas drivers can also add optional coverages to their policy. You should consider the following insurance endorsements for more vehicle protection:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision

    This policy kicks in to cover the cost of damage to your vehicle after an accident or collision with an object, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    Following damage from a non-collision incident — such as fire, vandalism, or severe weather — this coverage protects you if you lease or finance your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap insurance

    You may want to consider gap insurance if you finance or lease your vehicle. If you total your car, gap insurance pays the difference between your car’s value and what you owe the lender.

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    Accident forgiveness

    This coverage waives your first accident, so your rate won’t increase. Some insurance companies only sell this policy to people with a clean driving record.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance

    Specifics depend on the company, but roadside assistance pays for basic roadside repairs if you get stranded. It often covers things like flat-tire changes, a new battery, fuel delivery, lockouts, and towing up to a certain distance.

Cheapest car insurance for drivers with an incident

Having any incidents on your driving record, including speeding tickets or at-fault accidents, can affect the cost of your auto insurance. People with these violations on their record usually pay higher rates for insurance because they pose a greater risk for companies to insure. More serious violations, like driving under the influence, typically have the biggest effect on cost.[6]

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Cheapest car insurance for drivers with a speeding ticket

Receiving a speeding ticket can cause your car insurance premium to increase. The actual rate increase depends on many factors, including your insurance company and your existing driving record.

In the table below, you can see which car insurance companies in Dallas have the cheapest average monthly rates for drivers with a speeding ticket.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Hugo9986
Auto-Owners141100
State Farm151107
COUNTRY Financial152109
Allstate165117
USAA176126
Mile Auto179119
Progressive222147
GEICO243172
Direct Auto271202
Mercury282188
Elephant298215
Safeco298178
Nationwide332258
Clearcover335200
AssuranceAmerica346202
Liberty Mutual352199
State Auto352219
Midvale Home & Auto354265
National General426208
Foremost446298
GAINSCO467236
Infinity481251
The General532328
Bristol West596335
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

If you have an at-fault accident on your driving record, your insurance premium will probably increase unless you have optional accident forgiveness. However, you won’t see the rate increase immediately. Most insurance companies review your driving record when your policy renews and adjust your premium accordingly.

Below, you can see which Dallas car insurance companies have the cheapest monthly rates for drivers with an at-fault accident.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Hugo10390
Auto-Owners148105
State Farm158112
COUNTRY Financial160114
Allstate173123
USAA185132
Mile Auto188124
Progressive232154
GEICO254180
Direct Auto284211
Mercury296197
Elephant312225
Safeco312186
Nationwide347271
Clearcover350210
AssuranceAmerica362211
Liberty Mutual368208
State Auto368229
Midvale Home & Auto371278
National General446217
Foremost467312
GAINSCO489247
Infinity504263
The General557343
Bristol West624350
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

A DUI is one of the most serious violations you can get. If you’ve been convicted of driving under the influence, you can expect your auto insurance premium to increase significantly. Depending on whether your current insurance company works with high-risk drivers, your insurer may not renew your policy.

Shopping around for new car insurance quotes after a DUI could help you find a more affordable rate. Here are the cheapest car insurance companies in Dallas for drivers with a DUI.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Hugo117102
Auto-Owners168119
State Farm180128
COUNTRY Financial181129
Allstate196139
USAA210149
Mile Auto213141
Progressive264175
GEICO289205
Direct Auto322240
Mercury336223
Elephant354255
Safeco354211
Nationwide394307
Clearcover398238
AssuranceAmerica411240
Liberty Mutual418237
State Auto418260
Midvale Home & Auto421316
National General507247
Foremost530354
GAINSCO556280
Infinity572299
The General633389
Bristol West708398
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Senior drivers tend to pay higher car insurance rates than middle-aged adults. Premiums usually decrease around age 35 and increase again around age 75, according to Insurify’s internal rate data. However, the cost of car insurance for seniors depends on other factors besides age, including your driving record, credit score, coverage limits, and chosen deductible.

Here are the cheapest car insurance companies for senior drivers in Dallas.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Hugo4640
Auto-Owners6546
COUNTRY Financial7050
State Farm7049
Allstate7654
USAA8158
Mile Auto8355
Progressive10268
GEICO11279
Direct Auto12593
Mercury13087
Elephant13799
Safeco13782
Nationwide153119
Clearcover15492
AssuranceAmerica15993
Liberty Mutual16292
State Auto162101
Midvale Home & Auto163122
National General19796
Foremost206137
GAINSCO215109
Infinity222116
The General245151
Bristol West275154
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Teen drivers pay the highest rates for car insurance out of any age group. Newly licensed teens have higher accident rates than older drivers and lack experience on the road.[7] Auto insurers account for this added risk by charging more expensive rates.

Although teen drivers pay high insurance premiums, you can find ways to get cheaper car insurance. For example, many insurers offer discounts for students who get good grades in school and drivers who insure a safe car. Teens can also get cheaper car insurance by joining their parents’ existing car insurance policy.

In the table below, you can see which Dallas car insurance companies have the cheapest average monthly rates for teen drivers.

The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Hugo124108
Auto-Owners177126
State Farm190135
COUNTRY Financial191136
Allstate207147
USAA222158
Mile Auto225149
Progressive278184
GEICO305216
Direct Auto340253
Mercury355236
Elephant374269
Safeco374223
Nationwide417324
Clearcover420252
AssuranceAmerica434253
Liberty Mutual441250
State Auto441275
Midvale Home & Auto445333
National General535261
Foremost560374
GAINSCO587296
Infinity604316
The General668411
Bristol West748420
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Dallas

Drivers in Dallas can save money on auto insurance in a number of ways. Here are some tips for getting the cheapest premium for your situation:

  • Bundle your policies. Most insurance companies offer a discount if you purchase car insurance with another insurance product, like homeowners insurance or renters insurance.

  • Take advantage of discounts. Most insurers offer a number of discounts. For example, you can sometimes save money on your annual premium if you pay up front and in full, instead of in monthly installments.

  • Choose a high deductible. If you have a full-coverage insurance policy, choosing high deductibles for collision and comprehensive insurance will typically lower your premium.

  • Compare quotes. Car insurance companies charge different rates for the same type and amount of coverage. Comparing quotes from several insurers can help you find the cheapest company for your insurance needs.

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Dallas car insurance quotes by credit tier

Georgia car insurance companies use credit-based insurance scores. When you apply for a car insurance policy, the insurance company can check your credit score and use it to set your premium. In general, drivers with excellent or good credit scores pay lower rates than drivers with poor credit scores.

Below, you can see the average monthly cost of full-coverage car insurance in Dallas, Georgia, for drivers based on credit tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Dallas?

Car insurance in Dallas, Georgia, is much more expensive than the U.S. national average. The average Dallas driver pays $342 per month for full coverage and $287 for liability-only coverage. To compare, the average American driver pays $172 per month for full coverage and $106 for liability-only coverage.

Georgia drivers pay average rates of $350 per month for full coverage and $243 for liability only. Drivers in Georgia may pay higher rates due to the regularity of severe weather experienced in the state and high traffic congestion in certain areas. Dallas also has a high population density in relation to the city’s relatively small population.

More cities in Georgia

Location is another factor that affects the cost of car insurance in Georgia. Depending on your city and ZIP code, you might pay more or less than the average rate in Dallas. For example, Insurify data shows that the average premium in Atlanta is 30% higher than the average rate in Dallas. However, drivers in Marietta pay 8% less on average than drivers in Dallas.

Below, you can see the average full-coverage car insurance premiums in other Georgia cities and how the average rate compares to the average full-coverage premium of $342 per month in Dallas.

CityAverage Monthly QuoteCompared to Dallas
Atlanta$44630%
Augusta$288-16%
Columbus$281-18%
Decatur$55863%
Douglasville$3544%
Lawrenceville$38412%
Lithonia$52654%
Marietta$315-8%
Savannah$3616%
Stone Mountain$49143%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Dallas, Georgia, car insurance FAQs

Before shopping around for coverage, you should decide on the right amount of coverage for your insurance needs. The information below should help you navigate the process of finding cheap auto coverage in Dallas, Georgia.

  • How much is car insurance in Dallas, Georgia?

    The overall cost of car insurance in Dallas, Georgia, is $315 per month. On average, drivers in the city pay $243 per month for liability coverage and $350 for full coverage.

  • What are the best car insurance companies in Dallas?

    The best car insurance company in Dallas is State Farm. The company has a Insurify Quality (IQ) Score of 4.4 out of 5 and an A.M. Best financial strength rating of A++ (Superior). Other top insurers include Auto-Owners, USAA, and Travelers.

  • Is Georgia a no-fault state?

    No. Georgia is an at-fault state, which means the driver who causes an accident must cover the other driver’s damages, including medical bills and vehicle repairs.

  • How much auto coverage do you need in Georgia?

    Drivers in Georgia need to carry $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. United States Census Bureau. "Dallas city, Georgia; Paulding County, Georgia." Accessed August 1, 2023
  2. NOLO. "Georgia Car Accident Laws." Accessed August 1, 2023
  3. Georgia Department of Banking and Finance. "Credit Reporting and Credit Scores." Accessed August 1, 2023
  4. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed August 1, 2023
  5. Office of Commissioner of Insurance and Safety Fire. "Auto Insurance." Accessed August 1, 2023
  6. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed August 1, 2023
  7. Teen Drivers: Get the Facts. "Centers for Disease Control and Prevention." Accessed August 1, 2023
Elizabeth Rivelli
Elizabeth Rivelli

Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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