120+ more*Quotes generated for Insurify users in and around Dallas, Texas within the last 10 days. Last updated on June 4, 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 June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years writing insurance and personal finance content
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
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Updated
State Farm, Allstate, and Progressive are the cheapest car insurance companies for Dallas drivers.
Dallas drivers pay an average of $179 per month for auto insurance, which is higher than the state average of $158 per month.
Dallas ranks 19th in the nation for traffic congestion and fourth for total vehicle thefts.
Dallas drivers pay an average of $124 per month for liability-only coverage and $233 for full coverage. This is higher than statewide averages for Texas drivers, likely due to Dallas’s higher rankings for traffic congestion and vehicle thefts, which increase risks and average insurance costs.
In Houston, one of Texas’s other major cities, drivers pay an average premium of $124 per month for liability coverage and $233 for full coverage. But drivers in smaller cities throughout Texas face significantly lower rates than in Dallas. For example, Lubbock drivers pay monthly averages of $93 for liability coverage and $199 for full coverage.
Below, you can see how the overall average car insurance costs in Dallas compare to statewide rates in Texas.
Car Insurance Costs in Dallas vs. Texas  | Average Monthly Quote |
|---|---|
| Dallas average | $179 |
| Texas average | $158 |
State Farm offers the cheapest car insurance for Dallas drivers, with an average liability insurance rate of $49 per month. Allstate and Progressive are two of the other cheapest car insurance companies in Dallas, with average monthly liability-only costs of $69 and $71, respectively.
Liability rates start as low as $49 per month
Dallas drivers face some safety risks on the city’s congested roads. For example, I-30 runs through Dallas and connects to several major interstates, creating trucking traffic through the city and putting extra pressure on drivers.[1] When driving in Dallas, you should stay alert for freight trucks passing through and leave plenty of extra space when passing them.
Drivers in the city should also prepare for Dallas’s severe weather risks. Dallas has a major wind risk, based on estimated risks from hurricanes, tornadoes, and other severe storms, according to First Street.[2] It’s a good idea to stay off the roads and park your vehicle in a garage in bad weather. If you notice heavy rain or hailstorms, consider staying in place until the threat passes.
Vehicle theft rates also likely affect car insurance costs in Dallas, as higher theft rates typically lead to higher auto insurance premiums. Dallas County has one of the highest car theft rates in the nation, ranking fourth for total car theft volume, with more than 18,000 cars stolen in 2024, according to data from the National Insurance Crime Bureau.
Dallas’s elevated car insurance costs are likely related to the city’s above-average vehicle theft rates.
Dallas is the third-most populous city in the state, but it has an even higher population density than Houston and San Antonio, with 3,841 people per square mile.[3] Dallas drivers live in one of the most congested cities in Texas and face higher insurance costs than the state’s average of $158 per month.
In contrast, Dallas drivers pay an average of $179 per month for car insurance. That’s second in the state to only Houston, where drivers face average costs of $212 per month. Drivers in smaller cities across the state, like Lubbock and Temple, pay lower average rates.
The table below shows how average car insurance costs vary across Texas cities.
City | Average Monthly Quote |
|---|---|
| Abilene | $130 |
| Amarillo | $151 |
| Arlington | $164 |
| Austin | $164 |
| Beaumont | $173 |
| Brownsville | $161 |
| Corpus Christi | $164 |
| Dallas | $179 |
| Denton | $153 |
| El Paso | $139 |
| Fort Worth | $157 |
| Galveston | $163 |
| Garland | $180 |
| Grand Prairie | $168 |
| Houston | $212 |
| Huntsville | $153 |
| Irving | $168 |
| Killeen | $145 |
| Laredo | $153 |
| Lubbock | $146 |
| McAllen | $171 |
| Mesquite | $179 |
| Midland | $147 |
| Odessa | $162 |
| Plano | $158 |
| San Antonio | $166 |
| San Marcos | $151 |
Dallas ranks 19th in the nation for traffic congestion. Dallas drivers spent 44 hours stuck in traffic on average in 2025.[4]
Several major interstates and highways run through Dallas, primarily connecting through I-30 and I-35E, the city’s main interstates. Increased traffic congestion heightens the risk of accidents and vehicle damage, which insurers may offset by charging Dallas drivers higher car insurance premiums.
It’s also worth noting that Dallas police have access to more than 600 AI-powered license plate reading cameras in the city, according to The Dallas Morning News. Dallas police departments reportedly use the surveillance network to identify suspects and follow investigative leads. That said, Texas law doesn’t allow the use of speed cameras, so you don’t need to worry about receiving a red light ticket in the mail.[5]
Texas drivers pay more for car insurance than the national average, and Dallas drivers pay more than the Texas state average.
Costs in Dallas are likely higher due to the city’s heavy traffic congestion and regular bad weather, like windstorms and hailstorms, that cause damage in the area.[6] Dallas drivers also face one of the highest car theft rates in the nation, which may also push insurance costs higher.
The Lone Star State requires drivers to carry a minimum amount of liability coverage. The 30/60/25 minimum insurance requirements for an auto insurance policy include at least $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 in property damage coverage.[7] Unlike some states, Texas doesn’t require uninsured or underinsured motorist coverage.
State Farm offers Dallas drivers the most affordable state-minimum coverage liability policies, at an average of $49 per month. But it’s always helpful to compare free quotes from multiple insurers to confirm you’re getting the cheapest coverage for your situation.
The table below highlights the average auto insurance rates for a liability-only policy in Dallas.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $49 |
| Allstate | $69 |
| Mile Auto | $71 |
| Progressive | $71 |
| GEICO | $79 |
| USAA | $87 |
| Mercury | $97 |
| First Acceptance | $100 |
| The General | $103 |
| Alinsco | $104 |
| Lone Star | $108 |
| Nationwide | $110 |
| Commonwealth Casualty | $111 |
| GAINSCO | $111 |
| Bristol West | $114 |
| Clearcover | $114 |
| Dairyland | $116 |
| Root | $116 |
| Covercube | $118 |
| Mendota | $120 |
| AssuranceAmerica | $121 |
| Excepsure | $126 |
| Sun Coast | $127 |
| Safeco | $129 |
| Direct Auto | $130 |
| National General | $131 |
| Loop | $136 |
| Elephant | $137 |
| Chubb | $150 |
| Trexis One | $155 |
| 21st Century | $172 |
| Insurify Car | $177 |
| Hugo | $178 |
| Liberty Mutual | $210 |
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The added protection that comes with a full-coverage policy might be worth it for Dallas drivers who face risks from frequent hailstorms and a high volume of car theft. Full-coverage car insurance includes comprehensive coverage, collision coverage, and higher liability limits.
Without this more robust coverage, you’ll pay out of pocket to repair or replace your own vehicle after an accident you cause. You also have the choice to add more optional coverages, like roadside assistance.
On average, Dallas drivers pay $233 per month for a full-coverage policy, but your exact costs will vary. Check out the table below to compare the cheapest full-coverage insurers in Dallas.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $96 |
| Progressive | $133 |
| Allstate | $136 |
| Mercury | $156 |
| Mile Auto | $157 |
| GEICO | $167 |
| USAA | $172 |
| Root | $190 |
| Safeco | $191 |
| Clearcover | $199 |
| Alinsco | $204 |
| Direct Auto | $204 |
| Elephant | $212 |
| GAINSCO | $213 |
| Nationwide | $216 |
| National General | $218 |
| Bristol West | $221 |
| AssuranceAmerica | $225 |
| The General | $229 |
| Mendota | $233 |
| Commonwealth Casualty | $242 |
| First Acceptance | $245 |
| Loop | $249 |
| Sun Coast | $252 |
| Lone Star | $253 |
| Covercube | $270 |
| Dairyland | $278 |
| Chubb | $291 |
| Liberty Mutual | $306 |
| Trexis One | $319 |
| 21st Century | $336 |
*Quotes generated for Insurify users in and around Dallas, Texas within the last 10 days. Last updated on June 4, 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 June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you get a speeding ticket in Dallas, you may have to pay a fine of up to $334, depending on how fast you were going above the limit and where you were driving. But even after you pay the fine, you may face higher insurance premiums upon policy renewal.
In Dallas, people with a speeding ticket on their driving record pay an average of $155 per month for liability-only coverage, which is higher than people with clean driving records.
The table below highlights the average liability insurance costs for Dallas drivers with a speeding ticket across insurance companies.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $62 |
| Mile Auto | $86 |
| Progressive | $89 |
| Allstate | $90 |
| GEICO | $104 |
| USAA | $112 |
| First Acceptance | $125 |
| Alinsco | $130 |
| Commonwealth Casualty | $132 |
| GAINSCO | $133 |
| Mercury | $134 |
| Lone Star | $135 |
| The General | $138 |
| Root | $138 |
| Nationwide | $143 |
| Bristol West | $144 |
| Dairyland | $144 |
| Clearcover | $145 |
| Covercube | $148 |
| Mendota | $150 |
| AssuranceAmerica | $154 |
| Excepsure | $158 |
| Sun Coast | $159 |
| Direct Auto | $163 |
| National General | $164 |
| Elephant | $165 |
| Safeco | $169 |
| Loop | $170 |
| Chubb | $191 |
| Trexis One | $194 |
| Insurify Car | $222 |
| 21st Century | $227 |
| Hugo | $227 |
| Liberty Mutual | $268 |
Texas is an at-fault state that requires drivers to pay for the auto accidents they cause. But after causing an accident, you’ll likely also face higher car insurance costs than someone with a clean driving record.
In Dallas, 4.10% of drivers have an accident on their record, according to Insurify data. Accidents typically remain on driving records in Texas for three to five years. On average, drivers with an at-fault accident in Dallas pay $165 per month for a liability-only policy.
Below, you can see how average liability insurance rates for Dallas drivers with an at-fault accident compare by insurer.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $65 |
| Allstate | $93 |
| Progressive | $94 |
| Mile Auto | $96 |
| GEICO | $105 |
| USAA | $117 |
| First Acceptance | $133 |
| Alinsco | $138 |
| The General | $142 |
| GAINSCO | $143 |
| Lone Star | $144 |
| Mercury | $146 |
| Root | $146 |
| Commonwealth Casualty | $147 |
| Nationwide | $149 |
| Bristol West | $151 |
| Dairyland | $154 |
| Covercube | $157 |
| Mendota | $160 |
| AssuranceAmerica | $161 |
| Clearcover | $163 |
| Excepsure | $168 |
| Sun Coast | $169 |
| National General | $175 |
| Direct Auto | $178 |
| Elephant | $180 |
| Safeco | $180 |
| Loop | $181 |
| Chubb | $201 |
| Trexis One | $206 |
| 21st Century | $235 |
| Insurify Car | $236 |
| Hugo | $237 |
| Liberty Mutual | $280 |
The Texas Department of Transportation reported that 102 DWI-related fatalities occurred in Dallas County in 2024. After a DWI conviction, Dallas drivers often face higher car insurance premiums.
State Farm has the most affordable car insurance premiums for Dallas drivers with a DWI, but shopping around will help you find the most affordable option for you.
The table below shows the cheapest liability-only rates for drivers with a DWI in Dallas.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $69 |
| Allstate | $97 |
| Progressive | $98 |
| Mile Auto | $100 |
| GEICO | $111 |
| USAA | $123 |
| First Acceptance | $138 |
| The General | $141 |
| Alinsco | $144 |
| Mercury | $146 |
| Lone Star | $149 |
| Commonwealth Casualty | $152 |
| Clearcover | $154 |
| Nationwide | $155 |
| GAINSCO | $157 |
| Bristol West | $161 |
| Covercube | $163 |
| Dairyland | $164 |
| Root | $164 |
| Mendota | $166 |
| AssuranceAmerica | $171 |
| Excepsure | $174 |
| Sun Coast | $175 |
| Direct Auto | $183 |
| National General | $185 |
| Loop | $188 |
| Elephant | $193 |
| Safeco | $193 |
| Chubb | $212 |
| Trexis One | $214 |
| 21st Century | $234 |
| Insurify Car | $244 |
| Hugo | $251 |
| Liberty Mutual | $296 |
In the Lone Star State, teens can get a provisional driver’s license as early as their 16th birthday.[8] But with limited experience behind the wheel, teen drivers often face the highest car insurance costs in Dallas, whether they join your policy or purchase their own.
Dallas teens pay monthly averages of $243 for liability policies and $456 for full-coverage policies.
The table below highlights the average insurance costs for teenage drivers in Dallas.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $99 |
| Progressive | $139 |
| Allstate | $141 |
| GEICO | $148 |
| Mile Auto | $151 |
| USAA | $167 |
| Root | $183 |
| Mercury | $184 |
| The General | $193 |
| Clearcover | $195 |
| First Acceptance | $196 |
| Alinsco | $203 |
| GAINSCO | $205 |
| Bristol West | $210 |
| Dairyland | $210 |
| Lone Star | $211 |
| Commonwealth Casualty | $216 |
| Nationwide | $222 |
| Covercube | $231 |
| Mendota | $235 |
| Excepsure | $246 |
| Sun Coast | $248 |
| Elephant | $254 |
| AssuranceAmerica | $259 |
| Direct Auto | $262 |
| Loop | $266 |
| Safeco | $271 |
| National General | $271 |
| Trexis One | $303 |
| Chubb | $319 |
| 21st Century | $321 |
| Hugo | $340 |
| Insurify Car | $346 |
| Liberty Mutual | $382 |
Age affects your car insurance costs, and senior drivers in Dallas pay a bit more than middle-aged drivers due to age-related concerns. More than 150,000 seniors live in Dallas, and they may see rising car insurance costs. On average, senior drivers in Dallas pay $105 per month for liability insurance.
The table below highlights the cheapest liability insurance rates for senior drivers in Dallas.
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $38 |
| Mile Auto | $55 |
| Allstate | $55 |
| Progressive | $60 |
| GEICO | $62 |
| USAA | $70 |
| Mercury | $76 |
| Nationwide | $83 |
| First Acceptance | $85 |
| The General | $87 |
| Alinsco | $88 |
| Commonwealth Casualty | $89 |
| Lone Star | $92 |
| AssuranceAmerica | $94 |
| GAINSCO | $94 |
| Bristol West | $94 |
| Dairyland | $98 |
| Clearcover | $100 |
| Covercube | $100 |
| Mendota | $102 |
| National General | $102 |
| Direct Auto | $106 |
| Root | $106 |
| Excepsure | $107 |
| Sun Coast | $108 |
| Elephant | $111 |
| Safeco | $112 |
| Chubb | $112 |
| Loop | $116 |
| Trexis One | $132 |
| 21st Century | $134 |
| Insurify Car | $151 |
| Hugo | $153 |
| Liberty Mutual | $173 |
As you consider various Dallas car insurance companies, the following answers might help you find the best rates and coverage for your insurance needs.
The monthly average cost of car insurance in Dallas is $179. But the amount you’ll pay varies based on your situation and selected coverage. Dallas drivers pay $124 per month for liability coverage and $233 for full coverage, Insurify data shows.
With an average liability insurance rate of $49, State Farm offers Dallas drivers the most competitive rates. Allstate and Progressive are also affordable insurers for Dallas drivers.
Dallas likely has higher insurance coverage costs than the rest of the state due to heavy traffic congestion, regular bad weather, and high rates of vehicle theft.
GEICO, Allstate, and USAA are among the best car insurance companies in Dallas. GEICO is best for safe drivers, Allstate is best for pay-per-mile insurance, and USAA has the best coverage for military families in Texas. State Farm is the cheapest auto insurer in Dallas, on average.
You can find the best car insurance rates in Dallas by shopping around, increasing your deductible, bundling with your homeowners insurance, completing a defensive driving course, and seeking out car insurance discounts.
You can also save by forgoing extra coverage. Consider Insurify Car if you’re looking for a policy that meets Texas’s state-minimum requirements and allows you to pay for coverage on a weekly basis.
A few location-specific factors affect the cost of car insurance in Dallas, including the city’s severe weather risks, where you live, and where you park your vehicle. Parts of Dallas experience heavy traffic congestion, so your mileage and whether you regularly commute can also affect costs.
Standard factors like your vehicle type, driving history, and coverage amounts also influence how much you pay for Dallas car insurance.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.