Cheap Car Insurance Quotes in Dallas, Texas (2026)
State Farm offers the cheapest car insurance in Dallas, with minimum-coverage policies as low as $66 per month.
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Table of contents
Founded in 1841 as a small trading post, Dallas is now the ninth-largest U.S. city. The city’s population density may help explain its relatively high overall average insurance cost of $187 per month compared to the national average cost of $136. Drivers in bigger cities with higher population densities face increased risks of car accidents.
Even though rates in Dallas — and the rest of Texas — are relatively high, you can help lower your car insurance costs by comparing car insurance quotes from multiple insurers. Here’s what you need to know about finding the cheapest rates in Dallas.
Quick Facts
State Farm, Mile Auto, and Progressive have the cheapest average liability rates in Dallas.
On average, Dallas drivers pay $135 per month for liability coverage and $238 for full coverage.
Dallas’ car insurance rates are higher than the Lone Star State’s overall average of $163 per month.
How much is car insurance in Dallas, TX?
Car insurance in Dallas is more expensive than Texas overall, and Dallas insurance costs are also higher than the national average. See how Dallas car insurance rates compare in the table below.
 | Full Coverage | Liability Only |
|---|---|---|
| Dallas | $238 | $135 |
| Texas | $208 | $118 |
| National average | $173 | $99 |
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.
Cheapest car insurance companies in Dallas
The cheapest car insurance company for one person might not be the same for another, since multiple factors affect your rates. If you’re searching for affordable coverage, you can see some of the cheapest car insurance companies in Dallas in the table below.
The below rates in Dallas, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $115 | $66 |
| Progressive | $156 | $91 |
| Allstate | $162 | $92 |
| Mile Auto | $178 | $84 |
| Mercury | $195 | $128 |
| USAA | $205 | $118 |
| GEICO | $205 | $108 |
| Root | $238 | $138 |
| Safeco | $245 | $162 |
| Clearcover | $252 | $154 |
| Direct Auto | $256 | $167 |
| Nationwide | $258 | $147 |
| Elephant | $270 | $171 |
| The General | $274 | $140 |
| Bristol West | $285 | $143 |
| National General | $285 | $167 |
| GAINSCO | $293 | $146 |
| Sun Coast | $299 | $157 |
| AssuranceAmerica | $315 | $153 |
| Commonwealth Casualty | $330 | $140 |
| Chubb | $349 | $200 |
| Liberty Mutual | $388 | $300 |
| Dairyland | $394 | $138 |
| 21st Century | $403 | $231 |
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.
Best car insurance companies in Dallas
The best auto insurance company for you depends on your financial situation and insurance needs. Each insurer uses different criteria to set rates. Factors like your gender, marital status, ZIP code, driving history, and credit history go into these calculations.[1] Even if multiple insurers use similar rating factors, the weights applied to them can vary by insurer.
The following three insurers offer some of the best coverage in Dallas at an affordable price. The quotes provided below reflect average costs in the state of Texas.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $80/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $138/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $142/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $178/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $160/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $178/mo* |
Overall rating 4.0 | Overall rating 4.0 | Overall rating 4.9 | Overall rating 4.2 | Overall rating 3.8 | Overall rating 3.8 |
Value for money 3.7/5 | Value for money 3.8/5 | Value for money 4.9/5 | Value for money 3.6/5 | Value for money 3.2/5 | Value for money 3.5/5 |
Customer service 4.2/5 | Customer service 4.1/5 | Customer service 4.8/5 | Customer service 4.0/5 | Customer service 3.7/5 | Customer service 3.1/5 |
Claims handling 4.1/5 | Claims handling 4.1/5 | Claims handling 4.9/5 | Claims handling 4.2/5 | Claims handling 3.8/5 | Claims handling 3.6/5 |
Special highlight Customer serviceAI-generated from 7176 user reviews | Special highlight Teen driversAI-generated from 7420 user reviews | Special highlight Members of the military communityAI-generated from 1477 user reviews | Special highlight Usage-based savingsAI-generated from 512 user reviews | Special highlight Bundling discountsAI-generated from 1120 user reviews | Special highlight Robust mobile appAI-generated from 40 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for cheap rates: 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. | $66/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. | $115/mo |
4.0
Best choice in Dallas, TXBased on 15,788 verified driver reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Dallas for
Customer service
Competitive rates
Discounts for safe drivers
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Dallas for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Texas reviews for Dallas drivers - See all 7,176 State Farm reviews
Gordon
Verified Review
Too High Monthly Payments
Reviewed in Texas on March 5, 2026
The monthly payment is way too high. Even though I was with them for many years, the premium kept going up.
Arturo
Verified Review
Expensive Insurance
Reviewed in Texas on March 4, 2026
The insurance is okay, I guess. I've never had a claim, but they are very expensive. They are so expensive that it's getting to the point where I cannot afford it.
Tina
Verified Review
Price is too high
Reviewed in Texas on March 4, 2026
I've had my current car insurance company for over 30 years. They are okay. However, now that I'm retired and their prices keep going up, the fact that they are doing away with the defensive driving discount, and they don't offer any incentives for seniors or someone who doesn't drive as much, I had no choice but to switch companies. The new company will save me about $30.00 a month.
William
Verified Review
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Reviewed in Texas on March 2, 2026
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Paul
Verified Review
Helpful agents over the 60 years of having coverage with State Farm.
Reviewed in Texas on March 1, 2026
I have not had any claims in recent years. No problems over the years when there was a claim.
Percy
Verified Review
Excellent service and coverage
Reviewed in Texas on February 28, 2026
Excellent, friendly, and professional.
Barbara
Verified Review
Not a Good Proposal
Reviewed in Texas on February 26, 2026
They raised the yearly cost by thousands per year. I have had the policy for over 10 years with no claims.
Troy
Verified Review
Too High
Reviewed in Texas on February 24, 2026
State Farm is not good; they increased my rates for no reason.
Robert
Verified Review
My review
Reviewed in Texas on February 24, 2026
No problems with Joe Palermo's office.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC 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
Founded in 1922, State Farm is the largest auto insurance company in the United States by market share. The company offers multiple ways to save through a robust list of discounts and the ability to customize coverage types, making it one of the best and most inexpensive options for drivers.
Additionally, State Farm ranked second in customer satisfaction in Texas in the 2023 J.D. Power U.S. Auto Insurance Study and earned an A++ (Superior) financial strength rating from AM Best, the highest level possible.
Pros
High J.D. Power customer satisfaction rating
Rideshare insurance available
Cons
Gap insurance not available
May not be the cheapest choice for drivers with violations or accidents
Best insurer for discounts: GEICO
| 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. | 9.2 /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. | $108/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. | $205/mo |
4.0
Best choice in Dallas, TXBased on 16,013 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Dallas for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Dallas for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Texas reviews for Dallas drivers - See all 7,420 GEICO reviews
Josh
Verified Review
Geico Two-Step
Reviewed in Texas on March 4, 2026
I have multiple insurance companies currently. Geico needs better training for their representatives. Don’t tell customers one thing and then tell the consumer the exact opposite from the next representative. I will never use Geico again, even though they are almost 50% cheaper than State Farm, Allstate, or Progressive.
Jeanette
Verified Review
Too much $$$
Reviewed in Texas on March 2, 2026
Started out well, but the price increased regularly with no claims, no accidents, and no tickets. It more than doubled in 8 years!
Zee
Verified Review
Expensive but probably a good insurance
Reviewed in Texas on February 25, 2026
It is very expensive; the Geico Auto help is very good.
Tom
Verified Review
Understand what you bought before you sign
Reviewed in Texas on February 25, 2026
Make sure they explain the policy thoroughly before you sign!
Joann
Verified Review
The Policy That Goes Up
Reviewed in Texas on February 24, 2026
I was drawn in with a low rate, then they increased it on me in 3 months.
Miguel
Verified Review
Fairness
Reviewed in Texas on February 24, 2026
They are good overall, but too expensive for my budget!
Garry
Verified Review
So disappointed
Reviewed in Texas on February 24, 2026
After being with Geico for five years with no claims or accidents, they almost doubled our rates. They are about the money, not the customers.
Debra
Verified Review
I’m a senior and I have had a great record. Until 2025, I was in a wreck with no ticket. I was initially told both parties were at fault, but later it was determined to be my fault. I just received a new used 2019 Nissan Armada, and I pay $197.00 a month, which I find ridiculous. Because it is financed, I need to carry full coverage. I don’t feel I have a fair deal.
Reviewed in Texas on February 21, 2026
I’m a senior and I have had a great record. Until 2025, I was in a wreck with no ticket. I was initially told both parties were at fault, but later it was determined to be my fault. I just received a new used 2019 Nissan Armada, and I pay $197.00 a month, which I find ridiculous. Because it is financed, I need to carry full coverage. I don’t feel I have a fair deal.
Guy
Verified Review
Nickels and Dimes
Reviewed in Texas on February 21, 2026
Make sure you know the final price is the one quoted. Geico nickeled and dimed us after we agreed on a policy fee.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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
Established in 1936, GEICO is another one of the largest companies in the auto insurance industry. The company has a reputation for discounts and a variety of coverage offerings.
GEICO offers a number of discounts related to vehicle equipment, driving history and habits, education, affiliations, customer loyalty, and more. Ideally, you can use multiple discounts to maximize your savings.
Pros
At least 16 available discounts
Award-winning mobile phone app and website
Cons
Below-average J.D. Power customer satisfaction rating in Texas
Limited local insurance agents
Best insurer for the military community: 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. | $118/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. | $205/mo |
4.9
Best choice in Dallas, TXBased on 3,128 verified driver reviews and ratings
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Dallas for
Members of the military community
Outstanding customer service
Competitive rates
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.
AI-generated from the text of verified reviews collected by Insurify
Best in Dallas for
Members of the military community
Outstanding customer service
Competitive rates
Showing 57 Texas reviews for Dallas drivers - See all 1,477 USAA reviews
Paul
Verified Review
Discount Restrictions
Reviewed in Texas on February 22, 2026
I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.
Alex
Verified Review
Poor
Reviewed in Texas on February 19, 2026
Be careful because they were raising rates on us.
Harvey
Verified Review
Overall Outstanding Service
Reviewed in Texas on February 18, 2026
Excellent and professional service. My minor complaint is that it is somewhat expensive.
William
Verified Review
Excellent
Reviewed in Texas on February 16, 2026
Great service, expensive.
Laura
Verified Review
25+ Years, Only 1 Small Claim
Reviewed in Texas on February 8, 2026
I have been with them for over 50 years and have only made one claim, so my experience has been good. However, I feel that the price is getting high, especially since I haven't had a claim in 40 years.
Edward
Verified Review
What happened to USAA Customer Service?
Reviewed in Texas on January 29, 2026
USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.
Richard
Verified Review
One claim, handled fairly reasonably, but sharp increases each year.
Reviewed in Texas on January 27, 2026
Pricey increases annually, especially in home coverage.
Jerry
Verified Review
USAA EXPERIENCE: Been a member for over 50 years and never disappointed.
Reviewed in Texas on January 27, 2026
Excellent member since 1972.
Bonnie
Verified Review
Price for protection?
Reviewed in Texas on January 26, 2026
We have been very happy with the quality of service we've received over the years. They are one of the highest-rated companies. Although, the increase in price is a big concern.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC 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
Founded in 1922 when 25 Army officers joined together to insure each other’s automobiles, USAA is still offering car insurance to active-duty military members, veterans, and their families more than 100 years later.
Around 130,000 veterans live in Dallas County, making USAA a great insurance company for a portion of the Dallas population.
Pros
A++ (Superior) financial strength rating from AM Best
Offers usage-based auto insurance
Cons
Only available to active-duty military, veterans, and their family members
Doesn’t have 24/7 customer service
How to get the cheapest car insurance in Dallas
The cheapest car insurance in Dallas will look different for each driver because insurers use a number of different factors to set premium rates. It’s important to get quotes and compare rates from multiple insurance companies to find the cheapest insurance for you.
In addition to shopping around, these strategies can also help you find the cheapest car insurance in Dallas:
Maintain a clean driving record. Safe drivers earn the lowest insurance costs.
Adjust your coverage levels. You can make a number of tweaks to your insurance policy to reduce your costs, such as increasing your comprehensive or collision deductibles, dropping collision or comprehensive coverage, or decreasing your coverage limits. Just make sure you don’t lower your coverage so much that you can’t afford to cover the out-of-pocket costs after an accident.
Take advantage of discounts. Most insurance companies offer discounts to customers who bundle home insurance or renters insurance with their auto insurance. Other common discounts reward safe drivers and good students.
Improve your credit. Insurance companies in Texas can use your credit history as a factor in setting your rates. Improving your credit will save you money on car insurance, and it can improve your finances in general.
Shop around for the best rates. Compare costs when buying a car or renewing your policy to find the best deal. Prices vary widely between insurers, and you should get quotes from at least three companies.
Cheapest recent rates near Dallas, Texas
Drivers in and around Dallas, Texas have found policies from Elephant, Commonwealth Casualty, Mile Auto, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Dallas, Texas within the last 10 days. Last updated on March 5, 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 March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Dallas, Texas within the last 10 days. Last updated on March 5, 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 March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
Texas is an at-fault state, which means the at-fault driver is responsible for covering the other party’s vehicle damages and medical costs.[2]
Texas requires all drivers to purchase minimum amounts of bodily injury and property damage liability coverage. To drive legally in the state, you need to purchase the following minimum coverages:[3]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
Texas drivers don’t need to carry more than the above minimum requirements, but you should consider increasing these coverage amounts and types in case of a serious accident. Dallas drivers may want to consider the following optional coverages for more vehicle protection:
Personal injury protection (PIP) coverage
All auto insurance policies in Texas automatically include PIP, but you can opt out of it with a written request. This kind of insurance pays for your and your passengers’ medical bills and some other expenses following an accident.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage kicks in if you have an accident with an uninsured or underinsured driver. It also covers hit-and-run accidents. As with PIP coverage, all insurance policies in Texas must offer this kind of coverage, and you have to make your opt-out request in writing.
Collision coverage
Collision coverage pays to repair or replace your vehicle following a collision with another vehicle or object, like a tree or light pole, regardless of fault. Collision insurance also covers rollover accidents and pothole damage.
Comprehensive coverage
Comprehensive insurance will pay to repair or replace your vehicle following damage from a non-collision incident, such as a storm, theft, vandalism, or fire.
Cheapest car insurance for drivers with an incident
Drivers with a clean record typically pay the lowest insurance rates. If you have a past incident on your driving record — such as an at-fault accident, speeding ticket, DWI, or other moving violation — you can expect higher insurance premiums.
On average, Dallas drivers with a past incident pay $222 per month for car insurance. The severity and frequency of your violations will also influence how much you pay for car insurance. Here’s how different incidents may affect your insurance rates and where you can look for affordable insurance even with a spotty driving record.
Shop for Car Insurance in Dallas, TX
Monthly rates start at $81 for drivers with an incident
Excellent
4.7 out of 5 based on 12,427 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding can increase a driver’s risk of getting into an accident, so insurers may charge drivers more for coverage if they have a ticket on their driving record.
The average cost of car insurance for Dallas drivers with a past speeding ticket is $232 per month. Compare average quotes from different insurers below.
The below rates in Dallas, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $66 | $83 |
| Mile Auto | $84 | $102 |
| Progressive | $91 | $113 |
| Allstate | $92 | $119 |
| GEICO | $108 | $141 |
| USAA | $118 | $152 |
| Mercury | $128 | $178 |
| Dairyland | $138 | $171 |
| Root | $138 | $183 |
| The General | $140 | $186 |
| Commonwealth Casualty | $140 | $164 |
| Bristol West | $143 | $179 |
| GAINSCO | $146 | $173 |
| Nationwide | $147 | $190 |
| AssuranceAmerica | $153 | $194 |
| Clearcover | $154 | $199 |
| Sun Coast | $157 | $195 |
| Safeco | $162 | $213 |
| Direct Auto | $167 | $208 |
| National General | $167 | $207 |
| Elephant | $171 | $204 |
| Chubb | $200 | $253 |
| 21st Century | $231 | $303 |
| Liberty Mutual | $300 | $380 |
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: State Farm
If you have an at-fault accident on your record, insurance companies will likely view you as a higher risk than drivers with no accidents. Depending on the severity and circumstances of the accident and your driving history, your insurer may increase your premiums or even drop you after an at-fault accident.
But accident forgiveness coverage could help hold your rates steady after your first at-fault accident. You’ll generally need to have a clean driving record for three to five years to be eligible to buy this type of coverage.
Dallas drivers with a past accident pay an average of $246 per month for coverage.
Here are average liability-only quotes from several insurers for drivers with an at-fault accident.
The below rates in Dallas, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $66 | $87 |
| Mile Auto | $84 | $113 |
| Progressive | $91 | $120 |
| Allstate | $92 | $123 |
| GEICO | $108 | $140 |
| USAA | $118 | $158 |
| Mercury | $128 | $192 |
| Dairyland | $138 | $181 |
| Root | $138 | $184 |
| The General | $140 | $192 |
| Commonwealth Casualty | $140 | $184 |
| Bristol West | $143 | $187 |
| GAINSCO | $146 | $186 |
| Nationwide | $147 | $197 |
| AssuranceAmerica | $153 | $203 |
| Clearcover | $154 | $224 |
| Sun Coast | $157 | $206 |
| Safeco | $162 | $226 |
| Direct Auto | $167 | $227 |
| National General | $167 | $221 |
| Elephant | $171 | $222 |
| Chubb | $200 | $264 |
| 21st Century | $231 | $312 |
| Liberty Mutual | $300 | $398 |
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 DWI: State Farm
Driving under the influence, which is called “driving while intoxicated” (DWI) in Texas, is a serious traffic offense that comes with some major penalties. A first DWI offense in Texas comes with a fine of up to $2,000, up to 180 days in jail, and the loss of your driver’s license for up to a year. These penalties increase for subsequent offenses.[4]
In Texas, a DWI can stay on your record permanently. Drivers who have a past DWI may struggle to find affordable car insurance, but several insurance companies offer coverage for drivers with a DWI conviction. The average cost of car insurance for a Dallas driver with a past DWI is $257.
Compare average liability quotes from the following insurers that offer coverage to drivers with a DWI.
The below rates in Dallas, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DWI |
|---|---|---|
| State Farm | $66 | $94 |
| Mile Auto | $84 | $119 |
| Progressive | $91 | $125 |
| Allstate | $92 | $131 |
| GEICO | $108 | $153 |
| USAA | $118 | $168 |
| Mercury | $128 | $191 |
| Dairyland | $138 | $196 |
| Root | $138 | $198 |
| The General | $140 | $199 |
| Commonwealth Casualty | $140 | $199 |
| Bristol West | $143 | $203 |
| GAINSCO | $146 | $208 |
| Nationwide | $147 | $209 |
| AssuranceAmerica | $153 | $218 |
| Clearcover | $154 | $219 |
| Sun Coast | $157 | $216 |
| Safeco | $162 | $247 |
| Direct Auto | $167 | $237 |
| National General | $167 | $237 |
| Elephant | $171 | $243 |
| Chubb | $200 | $284 |
| 21st Century | $231 | $310 |
| Liberty Mutual | $300 | $426 |
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: State Farm
Your age affects how much you pay for car insurance. Older drivers tend to pay less for car insurance than young drivers due to safer driving habits. In most cases, premiums decrease for most drivers around age 35 and remain low for another four decades. But at around age 70, rates tend to increase again because senior drivers may experience aging-related risk factors that lead to more accidents.
The overall average cost of car insurance for senior drivers in Dallas is $159 per month. Here’s how average quotes from several different insurers vary for senior drivers.
The below rates in Dallas, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $51 | $90 |
| Mile Auto | $65 | $139 |
| Allstate | $74 | $130 |
| Progressive | $77 | $133 |
| GEICO | $85 | $162 |
| USAA | $95 | $165 |
| Mercury | $101 | $154 |
| Nationwide | $112 | $196 |
| Commonwealth Casualty | $112 | $263 |
| Root | $115 | $198 |
| Dairyland | $116 | $332 |
| The General | $117 | $229 |
| AssuranceAmerica | $118 | $244 |
| Bristol West | $118 | $235 |
| GAINSCO | $123 | $247 |
| National General | $130 | $222 |
| Sun Coast | $133 | $254 |
| Clearcover | $134 | $219 |
| Direct Auto | $134 | $205 |
| Elephant | $140 | $221 |
| Safeco | $141 | $213 |
| Chubb | $150 | $261 |
| 21st Century | $180 | $314 |
| Liberty Mutual | $249 | $322 |
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: State Farm
Teen drivers have the highest insurance costs of any demographic, in part due to limited driving experience. But they’re also more likely to take risks on the road, which is why the youngest drivers have a higher rate of fatal crashes, according to the National Highway Traffic Safety Administration (NHTSA).[5]
Even though teenagers generally pay higher rates than other drivers, you can use a few strategies to find cheap car insurance as a teenage driver. For example, teen drivers will typically pay less for coverage if they join their parents’ existing policy, drive a safe car, earn good grades to qualify for a good student discount, or attend school away from home.
Minor teens won’t be able to legally buy coverage of their own without the written consent of a parent or guardian. On average, the cost of car insurance for teen drivers in Dallas is $369 per month. Here are some of the cheapest average quotes offered to teen drivers in Dallas.
The below rates in Dallas, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $133 | $232 |
| Progressive | $180 | $308 |
| Mile Auto | $180 | $381 |
| Allstate | $189 | $334 |
| GEICO | $202 | $383 |
| USAA | $228 | $396 |
| Dairyland | $245 | $699 |
| Mercury | $247 | $376 |
| Root | $249 | $430 |
| The General | $256 | $502 |
| Clearcover | $265 | $434 |
| Bristol West | $267 | $531 |
| Commonwealth Casualty | $271 | $639 |
| GAINSCO | $279 | $559 |
| Nationwide | $299 | $525 |
| Sun Coast | $310 | $590 |
| Elephant | $315 | $497 |
| AssuranceAmerica | $330 | $679 |
| Direct Auto | $335 | $514 |
| Safeco | $339 | $513 |
| National General | $352 | $600 |
| Chubb | $430 | $750 |
| 21st Century | $435 | $759 |
| Liberty Mutual | $552 | $714 |
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.
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Dallas car insurance quotes by credit tier
Texas allows insurance companies to use drivers’ credit history as a factor in determining premiums. State law requires the Texas Department of Insurance to regulate how insurers use credit. This oversight protects consumers in Texas with several important rules:
Insurers can’t use credit as the only factor in setting insurance rates.
Consumers have the right to know what scoring system a company uses.
Companies must tell consumers how to dispute inaccurate credit information.[6]
Even with these protections in place, credit history can affect how much drivers in Dallas pay for auto insurance. Drivers with good or excellent credit generally pay lower rates than people with poor credit.
Here are the average monthly quotes for full-coverage auto insurance in Dallas by 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.
Cost of car insurance in other Texas cities
People in bigger cities pay higher car insurance rates due to an increased risk of accidents and vehicle theft. See how Dallas car insurance costs compare to some other cities in Texas.
The below rates in Dallas, TX, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Big Spring | $87 | $193 |
| Abilene | $89 | $177 |
| Jacksonville | $97 | $210 |
| Temple | $98 | $176 |
| Victoria | $99 | $179 |
| Corsicana | $99 | $179 |
| Bryan | $101 | $195 |
| Commerce | $101 | $183 |
| Nacogdoches | $102 | $178 |
| Lufkin | $103 | $181 |
| Amarillo | $103 | $207 |
| El Paso | $103 | $191 |
| Texarkana | $104 | $164 |
| Cleburne | $104 | $160 |
| College Station | $105 | $192 |
| Midland | $106 | $205 |
| Lubbock | $106 | $209 |
| Greenville | $108 | $180 |
| Killeen | $108 | $192 |
| Odessa | $109 | $224 |
| New Braunfels | $110 | $186 |
| Grapevine | $111 | $174 |
| Waxahachie | $111 | $212 |
| Georgetown | $112 | $186 |
| Harlingen | $112 | $175 |
| Denton | $113 | $200 |
| Cedar Park | $113 | $202 |
| Burleson | $113 | $202 |
| Southlake | $114 | $178 |
| Huntsville | $116 | $185 |
| Lewisville | $117 | $193 |
| Coppell | $117 | $216 |
| Frisco | $118 | $204 |
| Leander | $119 | $199 |
| Laredo | $119 | $208 |
| Fort Worth | $119 | $210 |
| Round Rock | $119 | $204 |
| Keller | $120 | $192 |
| Mckinney | $121 | $207 |
| San Marcos | $121 | $208 |
| Friendswood | $122 | $207 |
| Irving | $123 | $227 |
| Brownsville | $124 | $199 |
| Mansfield | $124 | $223 |
| Haltom City | $124 | $203 |
| Plano | $126 | $206 |
| Duncanville | $126 | $237 |
| Montgomery | $127 | $231 |
| Forney | $128 | $230 |
| Arlington | $128 | $215 |
| San Antonio | $128 | $218 |
| Austin | $128 | $209 |
| Grand Prairie | $129 | $224 |
| Conroe | $130 | $204 |
| Galveston | $130 | $196 |
| Cleveland | $131 | $226 |
| Corpus Christi | $132 | $201 |
| League City | $132 | $205 |
| Balch Springs | $133 | $193 |
| Lancaster | $133 | $233 |
| Pflugerville | $134 | $204 |
| Rowlett | $135 | $235 |
| Dallas | $135 | $238 |
| Rockwall | $135 | $218 |
| Mesquite | $135 | $243 |
| Beaumont | $136 | $212 |
| Pearland | $137 | $227 |
| Mcallen | $137 | $217 |
| Baytown | $138 | $233 |
| Mission | $139 | $215 |
| Garland | $139 | $227 |
| La Porte | $139 | $206 |
| San Juan | $146 | $257 |
| Sugar Land | $150 | $228 |
| Fresno | $154 | $265 |
| Katy | $155 | $245 |
| Humble | $161 | $248 |
| Houston | $170 | $270 |
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.
Dallas car insurance FAQs
Before you start shopping around for auto coverage, you should decide on the right amount of insurance for your needs. The following information should help answer your remaining questions about finding car insurance in Dallas.
How much is car insurance in Dallas?
The overall average cost of car insurance in Dallas is $187 per month. Dallas drivers pay $135 per month for liability coverage and $238 for full-coverage insurance, on average. How much you pay for coverage will depend on your driving record, age, credit history, and more.
Which company has the cheapest car insurance in Dallas?
With a liability car insurance rate of $66 per month, State Farm is the cheapest car insurance company in Dallas. Mile Auto and Progressive also offer affordable coverage, with rates of $84 and $91 per month, respectively. The best way to find cheap car insurance is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Dallas?
The best car insurance company in Dallas is State Farm, which has an Insurify Quality (IQ) Score of 9.3 out of 10, an A++ (Superior) financial strength rating from AM Best, and a high customer satisfaction rating from J.D. Power. On average, State Farm policyholders in Texas pay $57 per month for liability coverage and $101 for full coverage.
Other top insurers include GEICO and USAA.
What is the minimum car insurance required in Texas?
Texas drivers need to carry at least $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage. Insurers in Texas must also offer all drivers personal injury protection and uninsured/underinsured motorist coverage, though drivers can opt out of both these coverages in writing.
Is Texas a no-fault state?
No. Texas is an at-fault state, which means the driver who causes the accident must cover the other party’s resulting vehicle repairs and medical expenses.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- NOLO. "Texas Car Accident Laws."
- Texas Department of Insurance. "Auto insurance guide."
- Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI."
- National Highway Traffic Safety Administration. "Teen Driving."
- Texas Department of Insurance. "Credit scoring and insurance."
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Emily Guy BirkenInsurance and Personal Finance Writer
Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
Featured in
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.