Cheapest Auto Insurance in Dallas, Texas (2024)

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 $210 per month. Drivers in bigger cities with higher population densities face increased risks of car accidents.

The average cost of insurance in the Lone Star State is $185 per month, which is lower than Dallas rates and higher than the national average cost of $160.

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.

Cheapest 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.

Dallas drivers need to compare quotes from several insurance companies to find the best coverage at the right price. 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.

Best insurer for cheap rates: State Farm

Best insurer for discounts: GEICO

Best insurer for the military community: USAA

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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 score. 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.

Cheapest liability-only car insurance in Dallas: State Farm

If you cause a car accident, liability car insurance will pay for the other party’s vehicle damage and medical expenses stemming from the accident. However, liability-only coverage doesn’t pay to repair or replace your vehicle. This coverage can work as an inexpensive option for budget-minded drivers, but it could cost more in the long run if you cause an accident.^[2]

The cheapest insurer for liability-only car insurance in Dallas is State Farm, with an average monthly cost of $42. This is significantly less expensive than the average monthly cost of $135 for this coverage in Dallas. Find additional cheap liability-only coverage options for Dallas drivers below.

Cheapest full-coverage car insurance in Dallas: State Farm

Drivers in Dallas may want to consider full-coverage car insurance since it provides more protection than liability-only coverage. In particular, full-coverage insurance includes collision coverage, which pays for damage to your car if you cause an accident, and comprehensive coverage, which kicks in for vehicle damage from non-collision incidents, like fire, theft, and weather hazards.

Lenders may require you to purchase full-coverage insurance if you have an auto loan or lease your car. The average monthly cost of full-coverage insurance is $284 in Dallas.

Here are several insurers that offer the cheapest full-coverage car insurance options in Dallas.

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.^[3]

Texas requires all drivers to purchase minimum amounts of bodily injury and property damage liability coverage. To legally drive in the state, you need to purchase the following minimum coverages:^[4]

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’s 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 also covers rollover accidents and pothole damage.

• 

  Comprehensive coverage

  Comprehensive coverage 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 $286 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 have some serious consequences. In 2020, 37% of traffic deaths in Texas were speed-related, according to data from the National Highway Traffic Safety Administration (NHTSA).^[5] The dangers associated with speeding explain why insurers may charge drivers more for coverage if they have a ticket.

The average cost of car insurance for Dallas drivers with a past speeding ticket is $298 per month. Compare average quotes from different insurers below.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you have an at-fault accident on your record, it’s likely that insurance companies will 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. However, 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.

Finding affordable insurance after an at-fault accident isn’t impossible. Dallas drivers with a past accident pay an average of $321 per month for coverage.

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

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.^[6]

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 $363.

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

Cheapest car insurance for seniors: State Farm

Your age affects how much you pay for car insurance. Older drivers tend to pay less for their car insurance than young drivers due to safer driving habits. In most cases, premium rates decrease for most drivers around age 35 and remain low for another four decades. However, 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 $153 per month. Here’s how average quotes from several different insurers vary for senior drivers.

Cheapest car insurance for teens: GEICO

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 NHTSA.^[7]

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 $368 per month. Here are some of the cheapest average quotes offered to teen drivers in Dallas.

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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 premium rates. 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.^[8]

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.

Is car insurance more expensive in Dallas?

The average cost of coverage in Dallas is $135 per month for liability coverage and $284 for full-coverage insurance. These costs are slightly higher than the Texas state average of $119 per month for liability coverage and slightly lower than than the Texas full-coverage average of $250.

Dallas residents pay more than the national average, which is $105 per month for liability-only coverage and $214 for full-coverage insurance. Drivers in Dallas likely face high rates due to the city’s higher population density and congested highways.

More cities in Texas

Though it’s not the most expensive city in Texas for car insurance, Dallas does have higher costs than some other cities in the Lone Star State. Houston has the highest rates for both liability and full-coverage insurance, while Plano has the lowest liability-only rates and Garland has the lowest full-coverage premiums.

Check out how Dallas compares to the following Texas cities.

Dallas car insurance FAQs