Cheapest Auto Insurance in Dallas, Georgia (2024)

Hugo offers the cheapest car insurance in Dallas, with minimum-coverage policies as low as $60 per month.

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
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Katie PowersAuto and Life Insurance Editor
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  • 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 June 20, 2024

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Cheapest recent rates near Dallas, Georgia

Drivers in and around Dallas, Georgia have found policies from Mile Auto, State Farm, Mercury, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Dallas, Georgia within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Around 15,000 people live in Dallas, Georgia, an exurb of Atlanta. The overall average cost of car insurance in Dallas is $207 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.

Here’s what you need to know about finding cheap car insurance in the Dallas area.

Quick Facts
  • Hugo, Auto-Owners, and State Farm are the three cheapest car insurance companies for Dallas drivers.

  • Dallas drivers pay an average of $241 per month for full coverage and $174 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
Auto-Owners8.5$98$64Cheap rates
State Farm9.3$105$69Young drivers
USAA9.4$122$81Military 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-5 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.

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.
4.3
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.
$69/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

  • Good variety of endorsements

Cons
  • Quotes not available online

  • Some poor customer reviews on Trustpilot

Read our Auto-Owners review
Thomas - June 18, 2024
Verified

Pleased

I'm very pleased, but it got too expensive.

Phyllis - June 17, 2024
Verified

Interested in Changing

They are very difficult to contact with problems and questions.

Kenneth - June 17, 2024
Verified

Excellent

I would renew with them, but they are leaving Florida.

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.
4.6
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.
$75/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.

Pros
  • Several discounts for young drivers

  • Excellent J.D. Power customer satisfaction rating

Cons
  • Fewer endorsements than some insurers

  • Gap insurance not available

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

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.
4.7
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.
$87/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.

Pros
  • Good selection of discounts

  • Great third-party ratings

Cons
  • Only available to military members and families

  • Gap insurance not available

Read our USAA review
Claude - June 20, 2024
Verified

Excellent

Outstanding all the time.

Christie - June 18, 2024
Verified

Ok

I have had USAA banking and auto insurance for 20 years. I just changed my bank account and am now looking for new insurance. They used to be awesome and nobody could even make me think of switching, but it seems people these days don't care about good customers.

John - June 18, 2024
Verified

USAA is tough to beat

I have yet to receive a quote that beats USAA!

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 $174 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo$60
Auto-Owners$69
State Farm$75
COUNTRY Financial$76
Allstate$82
Mile Auto$82
USAA$87
Progressive$100
Safeco$105
State Auto$107
Mercury$120
GEICO$121
Clearcover$128
National General$142
Elephant$147
Liberty Mutual$147
Direct Auto$148
AssuranceAmerica$150
GAINSCO$163
Midvale Home & Auto$166
Nationwide$180
Infinity$214
The General$224
Bristol West$250
Foremost$267
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: Hugo

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 $241 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Hugo$95
Auto-Owners$104
State Farm$111
COUNTRY Financial$113
Allstate$122
USAA$130
Mile Auto$134
Safeco$169
Progressive$170
GEICO$180
Mercury$191
Elephant$207
State Auto$228
Clearcover$236
Midvale Home & Auto$250
AssuranceAmerica$258
Liberty Mutual$261
Nationwide$269
Direct Auto$281
National General$293
Foremost$327
GAINSCO$333
The General$383
Infinity$395
Bristol West$485
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 recent rates near Dallas, Georgia

Drivers in and around Dallas, Georgia have found policies from Bristol West, Mercury, State Farm, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Dallas, Georgia within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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.

CoverageMinimum 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:

  • 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.[5]

Shop for Car Insurance in Dallas, GA

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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 $350 per month for full coverage and $253 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Hugo$60$83
Auto-Owners$69$91
State Farm$75$98
COUNTRY Financial$76$102
Allstate$82$107
Mile Auto$82$114
USAA$87$114
Progressive$100$132
Safeco$105$140
State Auto$107$152
Mercury$120$168
GEICO$121$159
Clearcover$128$169
National General$142$185
Elephant$147$212
Liberty Mutual$147$212
Direct Auto$148$195
AssuranceAmerica$150$200
GAINSCO$163$235
Midvale Home & Auto$166$226
Nationwide$180$238
Infinity$214$292
The General$224$297
Bristol West$250$326
Foremost$267$385
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 $369 per month for full coverage and $266 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Hugo$60$81
Auto-Owners$69$96
State Farm$75$103
COUNTRY Financial$76$109
Allstate$82$114
Mile Auto$82$123
USAA$87$121
Progressive$100$141
Safeco$105$142
State Auto$107$162
Mercury$120$176
GEICO$121$168
Clearcover$128$189
National General$142$198
Elephant$147$200
Liberty Mutual$147$222
Direct Auto$148$210
AssuranceAmerica$150$208
GAINSCO$163$218
Midvale Home & Auto$166$243
Nationwide$180$252
Infinity$214$293
The General$224$317
Bristol West$250$342
Foremost$267$403
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 $417 per month for full coverage and $301 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Hugo$60$103
Auto-Owners$69$118
State Farm$75$128
COUNTRY Financial$76$130
Allstate$82$140
Mile Auto$82$127
USAA$87$149
Progressive$100$171
Safeco$105$179
State Auto$107$183
Mercury$120$185
GEICO$121$207
Clearcover$128$219
National General$142$243
Elephant$147$251
Liberty Mutual$147$251
Direct Auto$148$253
AssuranceAmerica$150$256
GAINSCO$163$279
Midvale Home & Auto$166$284
Nationwide$180$308
Infinity$214$366
The General$224$383
Bristol West$250$427
Foremost$267$456
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 $134 for liability only.

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

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Hugo$54$34
Auto-Owners$61$40
State Farm$62$42
COUNTRY Financial$65$43
Allstate$76$51
Mile Auto$80$49
USAA$81$54
Progressive$85$50
GEICO$110$74
Safeco$112$70
Mercury$113$71
Elephant$132$94
State Auto$134$63
Nationwide$144$96
Midvale Home & Auto$146$97
AssuranceAmerica$155$90
Clearcover$155$84
Liberty Mutual$162$91
Direct Auto$173$91
National General$191$93
Foremost$203$166
Infinity$234$127
GAINSCO$244$120
The General$261$153
Bristol West$312$161
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 $442 per month for full coverage and $319 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: Tuesday, June 18 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
COUNTRY Financial$168$113
Hugo$168$106
Auto-Owners$181$120
State Farm$190$129
Allstate$216$145
USAA$219$146
Mile Auto$263$161
GEICO$287$193
Progressive$310$183
Elephant$346$246
Mercury$351$220
Safeco$354$220
State Auto$409$192
Midvale Home & Auto$436$290
Clearcover$462$251
Nationwide$466$312
AssuranceAmerica$484$281
Liberty Mutual$487$274
Direct Auto$518$273
National General$566$274
Foremost$587$479
GAINSCO$599$293
The General$627$366
Infinity$733$397
Bristol West$835$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 $241 per month for full coverage and $174 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 $145 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 $243 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.

CityLiability OnlyFull Coverage
Athens$132$214
Atlanta$216$270
Augusta$144$235
Columbus$140$237
Lawrenceville$173$266
Marietta$167$241
Savannah$181$271
Woodstock$159$238
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 $207 per month. On average, drivers in the city pay $174 per month for liability coverage and $241 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 $60. Other affordable insurers include Auto-Owners and State Farm, with liability rates of $69 and $75 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.

Sources

  1. United States Census Bureau. "Dallas city, Georgia; Paulding County, Georgia."
  2. NOLO. "Georgia Car Accident Laws."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  6. Centers for Disease Control and Prevention. "Transportation Safety - Teen Drivers and Passengers: Get the Facts."
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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