5+ years writing insurance and personal finance topics
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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.
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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Around 15,000 people live in Dallas, Georgia, an exurb of Atlanta. The overall average cost of car insurance in Dallas is $206 per month, more than the national average of $160.
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.
Hugo, Auto-Owners, and State Farm are the three cheapest car insurance companies for Dallas drivers.
Dallas drivers pay an average of $242 per month for full coverage and $171 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]
3 of the cheapest car insurance companies in Dallas, Georgia
Drivers in Dallas, Georgia, have a number of quality options when it comes to finding affordable car insurance. But the best car insurance company looks different for everyone because insurers consider your driving record, age, location, vehicle, and credit history. 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.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Auto-Owners
8.5
$97
$64
Cheap rates
State Farm
9.3
$104
$69
Young drivers
USAA
9.4
$122
$80
Military families
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5/10
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.
$68/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.
$104/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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
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.
$74/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.
$111/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.
The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.
Matthew - July 25, 2024
Verified
Abandoned by State Farm
It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.
Janet - July 25, 2024
Verified
Too High
I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
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.
$85/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.
$130/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.
A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.
…
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.
Cheapest liability-only car insurance in Dallas: Hugo
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.[3] Liability-only policies in Dallas cost $171 per month, on average.
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Hugo
$61
Auto-Owners
$68
State Farm
$74
COUNTRY Financial
$75
Allstate
$80
Mile Auto
$81
USAA
$85
Progressive
$99
Safeco
$105
GEICO
$118
Mercury
$123
Clearcover
$129
Elephant
$148
Liberty Mutual
$148
Direct Auto
$149
AssuranceAmerica
$152
GAINSCO
$165
Midvale Home & Auto
$165
National General
$173
Nationwide
$177
Infinity
$218
The General
$225
Bristol West
$250
Foremost
$269
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: Auto-Owners
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. Dallas drivers pay an average of $242 per month for full coverage.
Here are the Dallas insurance companies with the cheapest full-coverage premiums.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
$104
State Farm
$111
COUNTRY Financial
$113
Allstate
$122
USAA
$130
Mile Auto
$137
Safeco
$170
Progressive
$173
GEICO
$179
Mercury
$192
Elephant
$212
State Auto
$233
Clearcover
$242
Hugo
$243
Midvale Home & Auto
$254
AssuranceAmerica
$264
Liberty Mutual
$268
Nationwide
$268
Direct Auto
$273
National General
$292
Foremost
$335
GAINSCO
$336
The General
$386
Infinity
$410
Bristol West
$486
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.
Car insurance requirements in Dallas
Georgia drivers must carry a minimum amount of car insurance, including bodily injury and property damage liability.[4] 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.
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:
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.
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.
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.
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.
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.[5]
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Cheapest car insurance for drivers with a speeding ticket: Hugo
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. The average cost of car insurance for drivers with a speeding ticket in Dallas is $347 per month for full coverage and $245 for liability only.
In the table below, you can see which car insurance companies in Dallas have the cheapest average monthly liability-only rates for drivers with a speeding ticket.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Hugo
$61
$84
Auto-Owners
$68
$89
State Farm
$74
$96
COUNTRY Financial
$75
$100
Allstate
$80
$104
Mile Auto
$81
$112
USAA
$85
$111
Progressive
$99
$129
Safeco
$105
$139
GEICO
$118
$154
Mercury
$123
$172
Clearcover
$129
$170
Elephant
$148
$211
Liberty Mutual
$148
$211
Direct Auto
$149
$195
AssuranceAmerica
$152
$202
GAINSCO
$165
$236
Midvale Home & Auto
$165
$223
National General
$173
$225
Nationwide
$177
$233
Infinity
$218
$296
The General
$225
$297
Bristol West
$250
$324
Foremost
$269
$384
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: Hugo
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. For Dallas drivers with an accident, the average cost of car insurance is $368 per month for full coverage and $260 for liability only.
Below, you can see which Dallas car insurance companies have the cheapest liability-only monthly rates for drivers with an at-fault accident.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Hugo
$61
$82
Auto-Owners
$68
$94
State Farm
$74
$102
COUNTRY Financial
$75
$107
Allstate
$80
$111
Mile Auto
$81
$120
USAA
$85
$118
Progressive
$99
$139
Safeco
$105
$141
GEICO
$118
$164
Mercury
$123
$180
Clearcover
$129
$190
Elephant
$148
$201
Liberty Mutual
$148
$222
Direct Auto
$149
$211
AssuranceAmerica
$152
$210
GAINSCO
$165
$220
Midvale Home & Auto
$165
$241
National General
$173
$241
Nationwide
$177
$247
Infinity
$218
$298
The General
$225
$317
Bristol West
$250
$342
Foremost
$269
$404
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: Hugo
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. After a DUI, Dallas drivers can expect to pay an average of $416 per month for full coverage and $294 for liability only.
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Hugo
$61
$92
Auto-Owners
$68
$116
State Farm
$74
$126
COUNTRY Financial
$75
$128
Allstate
$80
$136
Mile Auto
$81
$124
USAA
$85
$145
Progressive
$99
$169
Safeco
$105
$179
GEICO
$118
$201
Mercury
$123
$189
Clearcover
$129
$220
Elephant
$148
$252
Liberty Mutual
$148
$252
Direct Auto
$149
$254
AssuranceAmerica
$152
$259
GAINSCO
$165
$281
Midvale Home & Auto
$165
$281
National General
$173
$294
Nationwide
$177
$301
Infinity
$218
$371
The General
$225
$383
Bristol West
$250
$426
Foremost
$269
$458
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: Hugo
Senior drivers tend to pay higher car insurance rates than middle-aged adults. Premiums usually decrease around age 35 and increase again around age 70, according to Insurify’s internal rate data. But the cost of car insurance for seniors depends on other factors besides age, including your driving record, credit history, coverage limits, and chosen deductible. The average cost of car insurance for senior drivers in Dallas is $186 per month for full coverage and $131 for liability only.
Here are the cheapest car insurance companies for senior drivers in Dallas.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
$60
$39
State Farm
$62
$42
COUNTRY Financial
$65
$43
Allstate
$76
$50
Mile Auto
$81
$48
USAA
$81
$53
Progressive
$86
$49
GEICO
$110
$72
Safeco
$114
$70
Mercury
$115
$74
Elephant
$137
$95
Hugo
$137
$35
Nationwide
$143
$95
Midvale Home & Auto
$149
$96
AssuranceAmerica
$158
$91
Clearcover
$159
$85
Direct Auto
$167
$91
Liberty Mutual
$168
$93
National General
$186
$110
Foremost
$208
$167
Infinity
$243
$129
GAINSCO
$247
$121
The General
$261
$152
Bristol West
$311
$160
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: Hugo
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.[6] Auto insurers account for this added risk by charging more expensive rates. The average cost of car insurance for teen drivers in Dallas is $445 per month for full coverage and $314 for liability only.
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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
COUNTRY Financial
$169
$112
Auto-Owners
$181
$118
State Farm
$191
$127
Allstate
$217
$142
USAA
$219
$143
Mile Auto
$269
$159
GEICO
$287
$189
Progressive
$316
$181
Mercury
$353
$226
Elephant
$355
$248
Safeco
$356
$220
Hugo
$429
$108
Midvale Home & Auto
$444
$289
Nationwide
$466
$308
Clearcover
$475
$253
AssuranceAmerica
$496
$286
Liberty Mutual
$499
$275
Direct Auto
$504
$275
National General
$570
$338
Foremost
$603
$484
GAINSCO
$604
$296
The General
$632
$369
Infinity
$761
$405
Bristol West
$838
$431
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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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 history and use it to set your premium. In general, drivers with excellent or good credit pay lower rates than drivers with poor credit.
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 $242 per month for full coverage and $171 for liability-only coverage. To compare, the average American driver pays $214 per month for full coverage and $105 for liability-only coverage.
Georgia drivers pay average rates of $241 per month for full coverage and $146 for liability only. Drivers in Georgia may pay higher rates due to the regularity of severe weather 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 overall average premium in Atlanta is $248 per month, higher than the average rate in Dallas. However, drivers in Marietta pay less on average than drivers in Dallas.
Below, you can see the average liability and full-coverage car insurance premiums in several other Georgia cities.
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 $206 per month. On average, drivers in the city pay $171 per month for liability coverage and $242 for full coverage.
Which companies have the cheapest car insurance in Dallas?
Hugo has the cheapest car insurance in Dallas, with a monthly liability-only rate of $61. Other affordable insurers include Auto-Owners and State Farm, with liability rates of $68 and $74 per month, respectively.
But the cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and type of car you drive.
What are the best car insurance companies in Dallas?
The best car insurance company in Dallas is State Farm. The company has an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM 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.
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.
Edited byKatie PowersAuto and Life Insurance Editor
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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