Cheap Car Insurance Quotes in Dallas, Texas (2025)

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 $199 per month compared to the national average cost of $150. 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 quotes from multiple insurers. Here’s what you need to know about finding the cheapest rates in Dallas.

How much is car insurance in Dallas, TX?

Car insurance in Dallas is more expensive than in 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	$267	$132
Texas	$231	$121
National average	$195	$105

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.

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 are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$83	$44
GEICO	$91	$47
Allstate	$117	$61
Mile Auto	$134	$66
USAA	$148	$78
Mercury	$184	$103
Nationwide	$186	$98
Progressive	$197	$113
Root	$219	$115
Safeco	$220	$135
Clearcover	$243	$148
Chubb	$252	$133
Direct Auto	$275	$146
Elephant	$279	$168
National General	$288	$146
21st Century	$291	$153
The General	$300	$146
Bristol West	$311	$150
AssuranceAmerica	$325	$149
Dairyland	$332	$126
Liberty Mutual	$376	$268
GAINSCO	$407	$190
Commonwealth Casualty	$425	$152

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.

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.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $57/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $62/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $101/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $127/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $169/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $175/mo*
Overall rating 4.2 6,002 reviews	Overall rating 4.0 6,410 reviews	Overall rating 4.9 1,183 reviews	Overall rating 4.4 483 reviews	Overall rating 3.9 1,171 reviews	Overall rating 3.4 37 reviews
Value for money 3.9/5	Value for money 3.8/5	Value for money 4.9/5	Value for money 4.1/5	Value for money 3.7/5	Value for money 3.3/5
Customer service 4.2/5	Customer service 4.0/5	Customer service 4.7/5	Customer service 4.1/5	Customer service 3.9/5	Customer service 3.4/5
Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 4.9/5	Claims handling 4.4/5	Claims handling 4.1/5	Claims handling 3.5/5
Special highlight AI-generated from 6002 user reviews Customer service	Special highlight AI-generated from 6410 user reviews Teen drivers	Special highlight AI-generated from 1183 user reviews Members of the military community	Special highlight AI-generated from 483 user reviews Usage-based savings	Special highlight AI-generated from 1171 user reviews Bundling discounts	Special highlight AI-generated from 37 user reviews Robust mobile app

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

Cheap Rates

Compare Quotes

User Reviews	4.2 6,002 reviews
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.	$44/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.	$83/mo

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Driver Reviews

4.2

Best choiceBased on 11,128 verified guest 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 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 For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,002)

Jane

May 19, 2025

Verified Review

State Farm is too expensive

I was with them for over forty years, but my insurance kept going up. I was paying $400.00 a month, so I had to leave.

Richard

May 18, 2025

Verified Review

Customer service a lost cause

I've been with them for over 25 years, and a few years ago, my agent retired, and the customer service went completely downhill. My former agent would call just to say hi and ask if there was anything I needed. The new agent and I have rarely talked, maybe 2-3 times in 4-5 years. I also tried to get a lower rate because I have multiple cars, but I never heard back, and they just increased the prices.

Jimi

May 16, 2025

Verified Review

Average

No response to the email sent to the agent. Unable to get the status of a claim. Premium increased.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

A.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

discounts

Compare Quotes

User Reviews	4.0 6,410 reviews
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 /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.	$47/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.	$91/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 11,898 verified guest 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 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 For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,410)

Carla

May 19, 2025

Verified Review

Perfect record, but keeps costing more.

Good through the years, but the cost keeps increasing.

Jt

May 16, 2025

Verified Review

Taken for Granted

I have been a long-time customer, and my rates keep going up. For a person who has a clean record, it's not fair.

Cuneyt

May 16, 2025

Verified Review

Geico increases premiums after Not-At-Fault Accidents

They increase your premium even if someone rear-ends your car!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

835

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.74

A.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

military community

Compare Quotes

User Reviews	4.9 1,183 reviews
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.	9.4 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$78/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.	$148/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,072 verified guest 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 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 For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,183)

Rosemarie

May 16, 2025

Verified Review

Fair

More reasonable prices.

John

May 15, 2025

Verified Review

Agents are quick to respond.

Great! They are very attentive to my needs!

Debra

May 15, 2025

Verified Review

Only Okay

Customer service is pretty hands-off. Our homeowner's policy went up a huge amount this year. I'll need to go shopping again, which is not what I like to do.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

880

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.35

A.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.

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 $250 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.

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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 $268 per month. Compare average quotes from different insurers below.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$44	$56
Allstate	$61	$78
Mile Auto	$66	$82
USAA	$78	$100
Nationwide	$98	$126
Mercury	$103	$142
Progressive	$113	$146
Root	$115	$161
Dairyland	$126	$161
Chubb	$133	$171
Safeco	$135	$177
Direct Auto	$146	$188
The General	$146	$195
National General	$146	$186
Clearcover	$148	$194
AssuranceAmerica	$149	$187
Bristol West	$150	$194
Commonwealth Casualty	$152	$206
21st Century	$153	$201
Elephant	$168	$213
GAINSCO	$190	$258
Liberty Mutual	$268	$364

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: 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 $277 per month for coverage.

Here are average liability-only quotes from several insurers for drivers with an at-fault accident.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$44	$58
Allstate	$61	$81
Mile Auto	$66	$89
USAA	$78	$104
Nationwide	$98	$131
Mercury	$103	$149
Progressive	$113	$154
Root	$115	$166
Dairyland	$126	$167
Chubb	$133	$176
Safeco	$135	$188
Direct Auto	$146	$199
The General	$146	$200
National General	$146	$191
Clearcover	$148	$219
AssuranceAmerica	$149	$190
Bristol West	$150	$200
Commonwealth Casualty	$152	$201
21st Century	$153	$207
Elephant	$168	$223
GAINSCO	$190	$244
Liberty Mutual	$268	$376

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 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 $317.

Compare average liability quotes from the following insurers that offer coverage to drivers with a DWI.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DWI
State Farm	$44	$70
Allstate	$61	$98
Mile Auto	$66	$106
USAA	$78	$125
Nationwide	$98	$157
Mercury	$103	$159
Progressive	$113	$181
Root	$115	$169
Dairyland	$126	$202
Chubb	$133	$213
Safeco	$135	$212
Direct Auto	$146	$234
The General	$146	$234
National General	$146	$234
Clearcover	$148	$237
AssuranceAmerica	$149	$239
Bristol West	$150	$240
Commonwealth Casualty	$152	$243
21st Century	$153	$245
Elephant	$168	$269
GAINSCO	$190	$304
Liberty Mutual	$268	$429

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: 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 $158 per month. Here’s how average quotes from several different insurers vary for senior drivers.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$33	$63
Allstate	$48	$91
Mile Auto	$49	$98
USAA	$61	$115
Nationwide	$71	$135
Progressive	$79	$137
Mercury	$81	$145
Chubb	$95	$180
Root	$96	$183
Dairyland	$99	$260
National General	$108	$213
Direct Auto	$110	$207
21st Century	$112	$214
AssuranceAmerica	$112	$244
Safeco	$113	$184
The General	$114	$234
Bristol West	$118	$244
Commonwealth Casualty	$118	$329
Clearcover	$125	$206
Elephant	$129	$215
GAINSCO	$153	$329
Liberty Mutual	$217	$304

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: 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 $384 per month. Here are some of the cheapest average quotes offered to teen drivers in Dallas.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$83	$157
Allstate	$120	$230
Mile Auto	$138	$281
USAA	$144	$273
Root	$189	$360
Nationwide	$190	$360
Mercury	$197	$351
Progressive	$214	$373
Dairyland	$215	$566
The General	$251	$516
Bristol West	$274	$567
Chubb	$282	$535
Commonwealth Casualty	$282	$788
Safeco	$282	$459
21st Century	$286	$543
Direct Auto	$291	$549
AssuranceAmerica	$291	$636
Clearcover	$292	$479
Elephant	$301	$500
National General	$302	$596
GAINSCO	$357	$766
Liberty Mutual	$490	$688

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

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.

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 are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

City	Average Quote: Liability Only	Average Quote: Full Coverage
Abilene	$94	$199
El Paso	$99	$200
Killeen	$106	$214
Amarillo	$106	$235
Midland	$107	$231
Odessa	$108	$250
Lubbock	$108	$218
Laredo	$110	$206
San Marcos	$111	$234
Huntsville	$112	$231
Brownsville	$116	$212
Denton	$118	$227
Fort Worth	$120	$232
San Antonio	$125	$233
Plano	$126	$234
Arlington	$126	$239
Grand Prairie	$129	$257
Galveston	$129	$226
Irving	$129	$248
Mesquite	$130	$249
Corpus Christi	$131	$230
Dallas	$132	$267
Mcallen	$132	$227
Austin	$132	$231
Garland	$133	$248
Beaumont	$141	$248
Houston	$172	$311

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.

Dallas car insurance FAQs