The Dallas-Fort Worth area is one of the largest metropolitan areas in the United States—right up there with New York and LA. More than 95 percent of households there have at least one car on the road, which means getting around the streets safely depends heavily on making sure you have an auto insurance policy in place to protect you and your family.
. Proof of insurance must be carried in your car at all times and must available when:
The minimum liability insurance requirements for private passenger vehicles in Texas are as follows:
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Texas state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance providers list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Texas law.
The state minimum amount of property damage liability coverage required in the state of Texas is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Want lower car insurance rates in Dallas? While you can control some factors that go into informing your insurance rates, age isn’t one of them. Dallas drivers in their 60s enjoy the lowest insurance rates, at an average of $215 per month. Because more accidents tend to happen in your 70s, however, this age group will see insurance rates rise nearly $40 to an average of $253 per month. Drivers in their 20s also have higher monthly premiums because they too are at a greater claims risk. Dallas drivers in their 20s can expect to pay an average of $332 a month to be on the road.
|Failure to Stop for Red Light / Stop Sign||$319|
Though Dallas may be the perfect place to live, no one is perfect in the Big D. Driving mistakes happen, and when they do, they can greatly impact the amount you pay in insurance. Dallas drivers with no violations on their record can expect to pay an average of $269 a month in insurance. Make a driving mistake, and it only goes up from there. While speeding or rolling through a stop sign will increase your monthly insurance rates to an average of $315 and $318, respectively, having an at-fault accident on your driving record can translate to an average monthly insurance premium of $325.
Dallas drivers know that many things go into calculating how much they pay for insurance, including their credit score. Because auto insurance rates are based on a driver’s calculated risk, it makes sense that creditworthiness is considered too. In Dallas, drivers with an excellent credit score pay $286 (on average) monthly to insure their ride. While your credit score may only change your insurance premiums by a minimal amount, everything adds up. Want to improve your credit score? Keep paying your bills on time—including your car insurance premiums.
Here in Dallas, you’ll want to visit a local county tax office to deal with any odds and ends related to car registration. The county tax assessor-collector offices provide most vehicle title and registration services, including registration renewals (license plates and registration stickers), vehicle title transfers, change of address on motor vehicle records, non-fee license plates (such as purple heart and disabled veterans license plates), disabled parking placards, copies of registration receipts, and temporary registration. Locations include North Dallas, South Dallas, Garland, Grand Prairie, Mesquite, and Oak Cliff, and residents are urged to complete their transactions online whenever possible. Some simple registration transactions can even be completed at their more than 80 Neighborhood Registration Locations inside grocery stores like Kroger, Tom Thumb, and Fiesta Mart.
Dallas Area Rapid Transit (DART) gets you around Dallas, Texas, and 12 surrounding cities with an extensive network of DART light-rail, Trinity Railway Express commuter rail, bus routes, and paratransit services. The system moves more than 220,000 passengers per day across a 700-square-mile service area. With numerous expansion and alignment projects in the works, Dallas’s forward-looking transit system is readying itself to accommodate the nearly four million new residents expected by 2045. Rideshare options in Dallas include familiar pick-up options like Uber and Lyft and Dallas-launched ride option Get Me. As always, you can schedule a taxi virtually anywhere across the Dallas-Fort Worth metroplex. Of note: Dallas is one of Uber’s three initial launch markets for Uber Air. Keep your eye on the skies!
Though the constantly modernized public transit system is attractive to some, many are bent on getting around the metroplex on their own four wheels. This kind of independence is the same reason why drivers use Insurify to find their own best insurance rates among the hundreds of providers out there.
Most people just want to get around town on their own—even when driving in an area as large as Dallas. You can avoid the fares and fees associated with public transit, but you can’t get around making sure you have the kind of car insurance that will make you feel safe taking to the streets in your daily driver. That’s why Insurify is here—for drivers like you who want to get the best insurance coverage they can at the most affordable price.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Dallas drivers measure up to their fellow Texas motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Dallas drivers rank 78 in the number of car accidents per driver across all cities in Texas.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Dallas drivers rank 79 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Dallas drivers rank 65 in the number of DUI’s per driver across all cities in Texas.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Dallas is the Nissan Altima.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Dallas drivers rank 63 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Dallas drivers rank 67 in clean driving records across all cities in Texas.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Dallas drivers rank 2 in failure to yield violations per driver across all cities in Texas.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Dallas drivers rank 14 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Dallas drivers rank 34 in hybrid and electric vehicle ownership across all cities in Texas.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.