Cheapest Auto Insurance in Dallas, Georgia (2026)
Auto-Owners offers the cheapest car insurance in Dallas, with minimum-coverage policies as low as $82 per month.
Secure. Free. Easy-to-use.
4.7 / 514K reviews
)
Written byElizabeth Rivelli
)
Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
){kind=small}
){kind=logo}
){kind=small}
)
Edited byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
Reviewed byDavid Marlett
)
David MarlettAdvisor
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Around 15,000 people live in Dallas, Georgia, an exurb of Atlanta. The overall average cost of car insurance in Dallas is $236 per month, more than the national average of $142.
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.
Here’s what you need to know about finding cheap car insurance in the Dallas area.
Quick Facts
Auto-Owners, State Farm, and Country Financial are the three cheapest car insurance companies for Dallas drivers.
Dallas drivers pay an average of $285 per month for full coverage and $186 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 | 8.2 | $133 | $73 | Cheap rates |
| State Farm | 9.3 | $142 | $78 | Young drivers |
| USAA | 9.1 | $166 | $92 | Military families |
Disclaimer: Table data is based on real-time Dallas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 55,000 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.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| 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. | 8.2 /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. | $82/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. | $150/mo |
4.3
Best choiceBased on 335 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for young drivers: State Farm
| User Reviews | 4.0 |
|---|---|
| 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. | 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. | $88/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. | $160/mo |
4.0
Best choiceBased on 17,962 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 75 Georgia reviews for Dallas driversSee all 7,527 State Farm reviews
Verified Review
Reviewed in Georgia on May 10, 2026
Mediocre. Everyone strives to provide subpar coverage for the most expensive premium. They won't take their time to customize the policy based on your needs (state mandates) and budget.
Verified Review
Reviewed in Georgia on May 2, 2026
I've never had to use it, but they more than doubled the cost in one year.
Verified Review
Reviewed in Georgia on April 30, 2026
No personal contact. Customer service is fair. Good insurance coverage. Too expensive. You have to understand the "insurance" business and determine what coverage you need on your own. It's frustrating when trying to obtain information. The agent is never available. You always have to talk to staff and never speak to any person twice.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
673NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $103/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. | $187/mo |
4.9
Best choiceBased on 3,607 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 32 Georgia reviews for Dallas driversSee all 1,571 USAA reviews
Verified Review
Reviewed in Georgia on May 5, 2026
Customer service is excellent. However, it is expensive.
Verified Review
Reviewed in Georgia on May 4, 2026
Make sure you are told the policy period. I had no idea and was not told that my coverage was only for 6 months. I could have stayed with my previous provider at a lower premium.
Verified Review
Reviewed in Georgia on April 28, 2026
I was a victim of a hit and run. Due to the location of the damage, it was not discovered at the time it happened. When I submitted a claim for the issue, I found myself being questioned multiple times, seemingly to try to find cause to refuse my claim and not pay out.
Then, upon review of my auto and home coverage, I found several key items of coverage completely missing or with an outrageous deductible.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
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: Auto-Owners
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 $186 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 in Dallas, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $82 |
| State Farm | $88 |
| Country Financial | $90 |
| Allstate | $97 |
| Mile Auto | $99 |
| USAA | $103 |
| Progressive | $128 |
| Mercury | $139 |
| Root | $164 |
| Bristol West | $166 |
| GEICO | $167 |
| GAINSCO | $172 |
| Clearcover | $173 |
| Direct Auto | $175 |
| The General | $187 |
| AssuranceAmerica | $190 |
| National General | $198 |
| Safeco | $201 |
| Trexis One | $201 |
| Mendota | $208 |
| Nationwide | $213 |
| First Acceptance | $217 |
| Trexis | $221 |
| Liberty Mutual | $357 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas 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 $285 per month for full coverage.
Here are the Dallas insurance companies with the cheapest full-coverage premiums.
The below rates in Dallas, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $150 |
| State Farm | $160 |
| Country Financial | $163 |
| Mile Auto | $172 |
| Allstate | $176 |
| USAA | $187 |
| Mercury | $237 |
| Root | $250 |
| Progressive | $254 |
| Safeco | $266 |
| Direct Auto | $304 |
| National General | $308 |
| AssuranceAmerica | $313 |
| Clearcover | $313 |
| GEICO | $316 |
| Bristol West | $331 |
| GAINSCO | $352 |
| Mendota | $377 |
| Trexis One | $384 |
| Nationwide | $388 |
| The General | $395 |
| Trexis | $418 |
| First Acceptance | $421 |
| Liberty Mutual | $428 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Dallas, Georgia drivers
Recent Dallas, Georgia car insurance prices for Chevrolet, Hyundai, Toyota, and more.
*Quotes generated for Insurify users in and around Dallas, Georgia within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Dallas, Georgia within the last 10 days. Last updated on May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 12, 2026. 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.
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person $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:
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]
Shop for Car Insurance in Dallas, GA
Insurify partners with 120+ top insurers for quotes
Excellent
4.7 out of 5 based on 14,312 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
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 $358 per month for full coverage and $234 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 in Dallas, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $82 | $107 |
| State Farm | $88 | $112 |
| Mile Auto | $99 | $121 |
| Country Financial | $90 | $122 |
| Allstate | $97 | $126 |
| USAA | $103 | $133 |
| Progressive | $128 | $161 |
| Mercury | $139 | $193 |
| GAINSCO | $172 | $206 |
| Bristol West | $166 | $210 |
| GEICO | $167 | $219 |
| Root | $164 | $219 |
| Direct Auto | $175 | $220 |
| Clearcover | $173 | $221 |
| AssuranceAmerica | $190 | $243 |
| National General | $198 | $248 |
| The General | $187 | $251 |
| Trexis One | $201 | $253 |
| Mendota | $208 | $262 |
| Safeco | $201 | $265 |
| First Acceptance | $217 | $273 |
| Nationwide | $213 | $277 |
| Trexis | $221 | $278 |
| Liberty Mutual | $357 | $456 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
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 $392 per month for full coverage and $256 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 in Dallas, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $82 | $111 |
| State Farm | $88 | $119 |
| Country Financial | $90 | $126 |
| Allstate | $97 | $133 |
| Mile Auto | $99 | $136 |
| USAA | $103 | $141 |
| Progressive | $128 | $176 |
| Mercury | $139 | $212 |
| Bristol West | $166 | $224 |
| GEICO | $167 | $224 |
| Root | $164 | $225 |
| GAINSCO | $172 | $226 |
| Direct Auto | $175 | $243 |
| Clearcover | $173 | $252 |
| AssuranceAmerica | $190 | $258 |
| The General | $187 | $263 |
| National General | $198 | $270 |
| Trexis One | $201 | $277 |
| Safeco | $201 | $285 |
| Mendota | $208 | $286 |
| Nationwide | $213 | $293 |
| First Acceptance | $217 | $299 |
| Trexis | $221 | $304 |
| Liberty Mutual | $357 | $485 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
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 $346 per month for full coverage and $226 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 in Dallas, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $82 | $109 |
| Country Financial | $90 | $117 |
| State Farm | $88 | $117 |
| Allstate | $97 | $129 |
| Mile Auto | $99 | $131 |
| USAA | $103 | $137 |
| Progressive | $128 | $156 |
| Mercury | $139 | $196 |
| Root | $164 | $220 |
| GEICO | $167 | $220 |
| Bristol West | $166 | $220 |
| GAINSCO | $172 | $228 |
| Clearcover | $173 | $230 |
| Direct Auto | $175 | $232 |
| The General | $187 | $239 |
| Trexis One | $201 | $244 |
| AssuranceAmerica | $190 | $252 |
| Mendota | $208 | $253 |
| National General | $198 | $263 |
| First Acceptance | $217 | $264 |
| Trexis | $221 | $269 |
| Nationwide | $213 | $283 |
| Safeco | $201 | $284 |
| Liberty Mutual | $357 | $474 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
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 $256 per month for full coverage and $167 for liability only.
Here are the cheapest car insurance companies for senior drivers in Dallas.
The below rates in Dallas, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $99 | $54 |
| State Farm | $103 | $57 |
| Country Financial | $106 | $59 |
| Mile Auto | $122 | $70 |
| Allstate | $123 | $68 |
| USAA | $134 | $74 |
| Mercury | $167 | $98 |
| Root | $188 | $124 |
| National General | $210 | $135 |
| GEICO | $214 | $113 |
| Safeco | $220 | $166 |
| Progressive | $220 | $111 |
| AssuranceAmerica | $224 | $136 |
| Direct Auto | $226 | $130 |
| Nationwide | $243 | $134 |
| Bristol West | $252 | $126 |
| Clearcover | $274 | $152 |
| GAINSCO | $291 | $142 |
| The General | $317 | $150 |
| Liberty Mutual | $317 | $264 |
| Mendota | $327 | $180 |
| Trexis One | $333 | $174 |
| Trexis | $363 | $192 |
| First Acceptance | $365 | $188 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
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 $495 per month for full coverage and $323 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 in Dallas, GA, are estimated rates current as of: Sunday, May 10 at 5:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Country Financial | $256 | $142 |
| Auto-Owners | $300 | $164 |
| State Farm | $305 | $168 |
| USAA | $339 | $186 |
| Allstate | $342 | $188 |
| Mile Auto | $348 | $200 |
| Mercury | $424 | $249 |
| Root | $425 | $279 |
| Progressive | $441 | $222 |
| Clearcover | $501 | $277 |
| Safeco | $530 | $400 |
| GEICO | $559 | $295 |
| Bristol West | $574 | $288 |
| Direct Auto | $578 | $333 |
| National General | $604 | $388 |
| GAINSCO | $614 | $300 |
| AssuranceAmerica | $636 | $386 |
| Mendota | $655 | $361 |
| Trexis One | $667 | $349 |
| The General | $694 | $329 |
| Trexis | $726 | $384 |
| First Acceptance | $731 | $377 |
| Liberty Mutual | $733 | $612 |
| Nationwide | $742 | $408 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Dallas
Insurify partners with 120+ top insurers for quotes
Excellent
4.7 out of 5 based on 14,312 reviews
Secure. Free. Easy-to-use.
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
Category | Price |
|---|---|
| Excellent | $263 |
| Good | $311 |
| Fair | $342 |
| Poor | $529 |
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 $285 per month for full coverage and $186 for liability-only coverage. To compare, the average American driver pays $187 per month for full coverage and $98 for liability-only coverage.
Georgia drivers pay average rates of $261 per month for full coverage and $157 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 $285 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.
City | Liability Only | Full Coverage |
|---|---|---|
| Athens | $130 | $225 |
| Atlanta | $222 | $347 |
| Augusta | $146 | $241 |
| Columbus | $140 | $240 |
| Lawrenceville | $198 | $303 |
| Marietta | $187 | $280 |
| Savannah | $173 | $287 |
| Woodstock | $165 | $251 |
Disclaimer: Table data is based on real-time Dallas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $236 per month. On average, drivers in the city pay $186 per month for liability coverage and $285 for full coverage.
Which companies have the cheapest car insurance in Dallas?
Auto-Owners has the cheapest car insurance in Dallas, with a monthly liability-only rate of $82. Other affordable insurers include State Farm and Country Financial, with liability rates of $88 and $90 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.
Sources
- United States Census Bureau. "Dallas city, Georgia; Paulding County, Georgia."
- NOLO. "Georgia Car Accident Laws."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Transportation Safety - Teen Drivers and Passengers: Get the Facts."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
Related articles
)
Georgia Car Insurance With Bad Credit
Drivers with bad credit in Georgia tend to pay higher car insurance rates.
)
Car Insurance for High-Risk Drivers in Georgia
Some companies, such as Auto-Owners and State Farm, offer competitive auto insurance rates after an accident or ticket for high-risk drivers in Georgia.
)
Rideshare Insurance in Georgia
Georgia doesn’t require rideshare insurance policies, but Uber and Lyft drivers should still consider adding this coverage to their personal auto policy.
)
Best Car Insurance in Georgia
State Farm, USAA, and Auto-Owners are some of the best car insurance companies for Georgia drivers.
)
Cheapest Car Insurance for Low-Income Drivers in Georgia
Auto-Owners has the cheapest liability car insurance in Georgia, with an average rate of $73 per month.
)
Best Car Insurance for College Students in Georgia
COUNTRY Financial, State Farm, and USAA offer the best car insurance for Georgia college students and their parents.
)
Cheap SR-22 Insurance in Georgia From $88
The average rate for SR-22 insurance in Georgia is $116 per month for liability coverage.
)
Average Car Insurance Cost in Georgia
Drivers in Georgia pay an average of $209 per month for car insurance.
)
DUI Car Insurance in Georgia
Drivers in Georgia with a DUI pay an average of $254 per month for car insurance.
)
Car Insurance Requirements in Georgia
You must meet the 25/50/25 minimum car insurance requirements to drive in Georgia.
Temporary Car Insurance in Georgia: What Your Short-Term Options Really Are
Georgia drivers can find flexible car insurance from companies that specialize in short-term coverage, or shop for standard insurance and cancel anytime. Insurify Car offers policies with low up-front weekly costs.
)
How to Get a Driver’s License in Georgia
Teenagers must go through a graduated licensing program to get their full license. And people moving to the Peach State need to meet requirements to transfer their licenses.
)
Uninsured Motorist Coverage in Georgia: What to Know
Uninsured motorist coverage is an optional policy add-on in Georgia that covers damages if a driver without insurance hits you.
Cheapest Car Insurance Quotes in Georgia
Auto-Owners has the cheapest liability-only car insurance in Georgia, with an average monthly quote of $73. Auto-Owners offers the cheapest average rates for full coverage, at $133. See real-time quotes for Georgia and buy your policy online in minutes.
)
Cheapest Auto Insurance in Albany, Georgia
Auto-Owners offers the cheapest car insurance in Albany, with liability rates starting at $67 per month.
)
Cheapest Auto Insurance in Lawrenceville, Georgia
Auto-Owners offers the cheapest car insurance in Lawrenceville, with minimum-coverage policies as low as $88 per month.
)
Cheapest Auto Insurance in Valdosta, Georgia
Valdosta drivers can find quotes for liability-only car insurance as low as $52 from Auto-Owners.
)
Cheapest Auto Insurance in Dalton, Georgia
Auto-Owners is the cheapest insurance company in Dalton, with liability-only rates of $51 per month.
)
Cheapest Auto Insurance in Woodstock, Georgia
The cheapest car insurance company in Woodstock is Auto-Owners with an average rate of $73 per month.
)
Cheapest Auto Insurance in Alpharetta, Georgia
Auto-Owners offers the cheapest car insurance in Alpharetta, with minimum-coverage policies as low as $74 per month.
)
Cheapest Auto Insurance in Athens, Georgia
Auto-Owners offers the cheapest car insurance in Athens, with minimum-coverage policies as low as $62 per month.
Cheap Car Insurance Quotes in Augusta, Georgia (May 2026)
Auto-Owners offers the cheapest car insurance in Augusta, with an average liability rate of $68 per month. Many roads, including Greene Street, Walton Way, and Wheeler Road, often become congested, resulting in traffic that most Augusta drivers consider unacceptable.
Cheapest Car Insurance Quotes in Lawrenceville, Georgia (May 2026)
Drivers looking for cheap Lawrence car insurance are most likely to find it from Auto-Owners, with an average monthly liability rate of $88. Traffic congestion along commuter routes such as state Route 29 and U.S. Route 316 is a key factor influencing Lawrenceville insurance rates.
)
Cheapest Auto Insurance Quotes in Warner Robins, GA
Auto-Owners is the cheapest liability auto insurance company in Warner Robins.
Cheap Car Insurance Quotes in Decatur, Georgia (May 2026)
Auto-Owners is the cheapest insurer in Decatur, with an average liability rate of $115 per month. Drivers in Decatur likely pay higher rates due to the city’s high vehicle theft rate.
Cheapest Car Insurance Quotes in Atlanta (May 2026)
Auto-Owners is the cheapest auto insurance in Atlanta, with liability car insurance at an average cost of $100 per month. Atlanta experiences a high rate of vehicle thefts, ranking No. 12 in the nation by volume, which may affect auto insurance pricing for drivers in the state capital.
Cheapest Car Insurance Quotes in Savannah, Georgia (May 2026)
The cheapest insurer in Savannah is Auto-Owners, with liability-only rates averaging $80 per month. Savannah’s coastal hurricane exposure affects car insurance rates in the city.
Cheap Car Insurance Quotes in Macon, Georgia (May 2026)
Auto-Owners offers the cheapest car insurance in Macon, with an average monthly rate of $84 for liability coverage. Heavy traffic and a high fatal crash rate increase insurance costs for drivers.
)
Cheap Car Insurance Quotes in Marietta, Georgia (May 2026)
Marietta drivers can find the cheapest insurance coverage with Auto-Owners, with liability rates averaging $82 per month. The average commute is 27.5 minutes, which is longer than the national average. The extra time behind the wheel can increase insurance premiums.
Cheapest Car Insurance Quotes in Columbus, Georgia (May 2026)
Auto-Owners offers Columbus drivers the cheapest car insurance rates, with liability policies averaging $66 per month. The city’s limited traffic and relatively low vehicle theft rates likely contribute to the below-average auto insurance costs.
)
Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
David MarlettAdvisor