Best Cheap Auto Insurance in Dallas, Texas (2023)

Finding the best car insurance in Dallas requires ample research and comparison shopping.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated September 20, 2023

Save up to $717 by comparing quotes from the top 70+ insurance companies

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Based on 3,806+ reviews
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ProgressiveLiberty MutualTravelers
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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.

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Looking for cheap car insurance in Dallas? While it may be tempting to seek out the lowest-cost car insurance policy available to you, finding the “best” car insurance goes a step further than price. The best auto insurance policy depends on your unique needs, budget, and risk tolerance.

Keep reading to learn how to find cheap car insurance in Dallas while ensuring you have the right coverage to match your needs.

Quick Facts
  • In Dallas, the average monthly cost for liability-only insurance is $202.

  • Safeco, Progressive, and Kemper offer some of the cheapest liability-only policies in Dallas.

  • Comparing quotes from multiple insurers is the best way to find a policy that meets your budget and coverage needs.

Best Dallas car insurance companies

The best auto insurance company for you generally depends on your individual situation and your needs as a driver. Here are a few popular car insurance companies in Texas so you can get an idea of how different companies can suit different needs.

Find Car Insurance in Dallas, Texas

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Based on 3,806+ reviews
4.8/5
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ProgressiveLiberty MutualTravelers
Insurance CompanyBest ForAverage Monthly Quote: Liability OnlyInsurify Quality (IQ) Score
NationwideOverall$1904.1
SafecoLow rates$1083.8
TravelersSenior drivers$1464.3
Direct AutoFamilies$1753.2
Midvale Home & AutoTeen drivers$1453.2
MercuryCollege students$1943.6
Mile AutoHigh-risk drivers$1263.4
ProgressiveLuxury car owners$1104.1
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best car insurance overall: Nationwide

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
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.
$119/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.
$199/mo

In business since 1925, Nationwide is one of the largest insurers, and sells car, homeowners, life insurance, umbrella insurance, and more. In addition to liability, collision and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap. The company also offers accident forgiveness, and a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A+ rating from A.M. Best for financial stability, and an only slightly higher-than-expected number of customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Numerous discount and savings opportunities

  • SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)

Cons
  • Not available in every state

  • Some discounts and programs not available in all states

Reliable when needed; will fight for you; good discounts for being a loyal customer. They’re on your side.

Alexander - December 4, 2022
Verified

Premiums are high and they dropped us after two claims.

Kenneth - November 26, 2022
Verified

They’re on my side!

Philomina - November 22, 2022
Verified
Read our Nationwide review

Nationwide possesses a high Insurify Quality (IQ Score) of 4.1 and offers a relatively low monthly average premium for liability-only policies. Couple these benefits with coast-to-coast coverage and Nationwide provides solid value for customers in Dallas.

Liability-only customers pay an average of $190 per month.

Pros
  • High IQ Score

  • Variety of discounts available

  • Accident forgiveness

Cons
  • Below-average Better Business Bureau (BBB) customer ratings[1]

  • Lower-than-average J.D. Power rating[2]

  • High rates for drivers with negative marks on record

Best car insurance in Dallas for low rates: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
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.
$93/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.
$196/mo

Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.

Pros
  • Pays cash back to customers who remain claims-free

  • Many options for customizing car insurance

Cons
  • Limited number of discounts

  • Customer reviews indicate room for improvement in customer service

Good company but still kind of expensive

Pennie - February 8, 2023
Verified

No issues with them, but I do wish it was less expensive.

Angelica - January 21, 2023
Verified

Best insurance I’ve ever had

Brent - January 20, 2023
Verified
Read our Safeco review

Safeco has an IQ Score of 3.8 and an average monthly rate of just $108, the lowest rate offered on average in Dallas. But this lower premium doesn’t equate to lesser service. You’ll also gain access to roadside assistance when you need it.

Pros
  • Savings with the RightTrack program

  • Accident forgiveness, diminishing deductible, and claims-free cash back

  • Rental car cost assistance

Cons
  • Lower-than-average BBB customer ratings[3]

  • You must get in contact with an agent to get a quote

  • Limited coverage options available

Best company for senior drivers in Dallas: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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++
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.
$177/mo

Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.

Pros
  • Accident forgiveness available

  • Robust coverage selections and discount offerings

Cons
  • Rideshare coverage only available in Colorado and Illinois

  • High number of negative customer reviews with the Better Business Bureau

They have the lowest rates I could find.

Elise - September 11, 2023
Verified

They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.

Albert - September 6, 2023
Verified

Good service.

Jorge - September 4, 2023
Verified
Read our Travelers review

With an IQ Score of 4.2, Travelers offers senior drivers a quality car insurance option. Retiring typically leads to less time on the road, and this lack of commute lowers the chances of needing to file an insurance claim. With Travelers, driving less can mean spending less on insurance thanks to the company’s IntelliDrive program.

The average price for liability-only coverage is $146 per month.

Pros
  • Online policy management

  • Accident forgiveness coverage

  • A++ (Superior) A.M. Best rating[4]

Cons
  • Rideshare coverage available only in Colorado and Illinois

  • Below-average J.D. Power customer satisfaction rating in Texas[2]

  • Below-average BBB customer ratings[5]

Best car insurance for families in Dallas: Direct Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
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
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.
$148/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.
$247/mo

For a little more than 20 years, Direct Auto has specialized in providing insurance for non-standard drivers who may struggle to find affordable coverage elsewhere, and to drivers who need SR-22 certification. Today, the company sells car, motorcycle, and term life insurance, car insurance in Mexico, roadside assistance, and vehicle protection plans. Direct operates in just 16 states. The company has an A+ rating from A.M. Best for financial and credit strength, but nearly 35 times the number of expected complaints in the National Association of Insurance Commissioners Customer Complaint Index.

Pros
  • Customers can bundle car insurance with other auto-related products

Cons
  • Not available in all states

Really hard to get in contact with

Andrew - January 9, 2023
Verified

Too costly for minimum liability.

Michael - August 28, 2023
Verified

Had a great quote

Chelse - October 3, 2022
Verified
Read our Direct Auto review

If you have a family full of drivers, then Direct Auto’s discounts may be a good fit for you. This insurance company offers savings for households that have multiple drivers, like multi-vehicle and multi-policy discounts.

Direct Auto has an IQ Score of 3.2, and customers pay a monthly premium of $175 for liability-only coverage.

Pros
  • Can file claims online or over the phone

  • Good students can save

  • Checking account or credit card not required

Cons
  • No homeowners insurance policies available

  • High number of BBB complaints[6]

  • No gap or rideshare insurance coverage included

Best company for teen drivers in Dallas: Midvale Home & Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
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
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.
$114/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.
$204/mo

Owned by American Family Insurance, Midvale offers auto and home insurance. In addition to liability, collision and comprehensive coverages, Midvale also offers gap insurance, rental car reimbursement, and roadside assistance. Discounts are pretty standard for the industry, including good student, multi-vehicle, multi-product, and pay-in-full discounts. Midvale as an excellent (A) rating from A.M. Best for financial stability. Customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index are only slightly higher than expected for the industry.

Pros
  • Backed by the financial strength of American Family

  • Optional gap insurance and roadside assistance available

Cons
  • Can’t get a quote online – must call an agent

  • Poor customer reviews with Better Business Bureau

Between good grades and away at school discounts, Midvale Home & Auto offers affordable car insurance coverage for teens. This makes it possible for teens to save on their policy, which can help bring down the notoriously high costs associated with insuring young drivers.

The average monthly premium for liability-only coverage is $145 from Midvale Home & Auto.

Pros
  • Variety of discounts

  • Emergency roadside service

  • Rental car reimbursement

Cons
  • Not BBB accredited[7]

  • High number of BBB complaints

  • No mobile app

Best car insurance for college students: Mercury

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
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.
$112/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.
$173/mo

Mercury is a 62-year-old insurance company that sells auto, home, condo, renters, and business insurance. In addition to standard car insurance coverage types, Mercury also offers rental car reimbursement, roadside assistance, rideshare insurance, and more. Mercury customers can save with multiple discounts, and the opportunity to bundle their auto insurance with home or renters coverage. The compay has an A rating from A.M. Best for financial stability. Mercury has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index. However, J.D. Power ranked the company fourth incustomer satisfaction in California.

Pros
  • Numerous coverage options, discounts, and bundling opportunities

  • Competitive auto insurance prices

Cons
  • Only available in 11 states (including California)

  • Only available in 11 states (including California)

Their driving app is a gimmick.

Larry - January 14, 2023
Verified

Good price and great service

Harold - December 31, 2022
Verified

Great service, good rates, nice staff

Debra - November 8, 2022
Verified
Read our Mercury review

Mercury offers a handful of different discounts to students and their families that can help lower their car insurance premiums, such as good student, multi-car, and multi-policy discounts. Mercury has an IQ Score of 3.6 and can also assure parents that their college driver will receive quality coverage.

The average monthly cost for liability-only coverage is $194.

Pros
  • Roadside assistance coverage available

  • Easy claims filing and policy management through mobile app

  • Bundling home and auto insurance leads to discount

Cons
  • Limited additional coverage options

  • Life insurance not available

  • Below-average BBB customer ratings[8]

Best car insurance for high-risk drivers in Dallas: Mile Auto

Along with having an IQ Score of 3.4, Mile Auto also offers fair prices on auto insurance policies for high-risk drivers. Out of all the insurance companies analyzed in Dallas, Mile Auto offers the lowest average rates to drivers with an accident ($210), DUI ($292), and speeding ticket ($197) on their record.

Pros
  • Low prices for high-risk drivers

  • No tracking device for pay-per-mile insurance

  • Easy online account management

Cons
  • No property or life insurance available

  • No opportunities to bundle

  • Only pay-per-mile coverage available

Best company for luxury car owners in Dallas: Progressive

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$105/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.
$182/mo

Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts available

Cons
  • Higher-than-expected amount of complaints

  • Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

Very good service but too expensive

Dewey - February 2, 2023
Verified

I called with questions; the answers were complete and to the point.

Yvonne - February 1, 2023
Verified

Would not let us bundle

Gary - February 1, 2023
Verified
Read our Progressive review

Progressive offers insurance for modified cars, which is a common need among luxury car drivers. A low average monthly premium ($110 for liability-only coverage) is also attractive since owners of expensive cars generally pay higher insurance premiums.

Pros
  • High IQ Score of 4.1

  • Get a quote in four minutes or less

  • Bundling discount available

Cons
  • Below-average J.D. Power rating in Texas

  • Not BBB accredited[9]

  • Snapshot program can lead to higher rates

How Insurify’s experts used internal proprietary data to rate the top auto insurers

Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information.

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates. With this information, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across all ages, genders, credit scores, and driver profiles for Dallas drivers.

How to shop for the best car insurance in Dallas

When it comes to securing car insurance, it’s important to take the necessary steps to ensure you’re getting the best deal possible.

  1. Research insurers thoroughly. Take the time to review each company’s offerings and check out customer reviews. You can also poke around their website or chat with an insurance agent to get a better understanding of what potential discounts they may offer.

  2. Confirm licensing. It’s also crucial to verify that any insurance company you’re considering is licensed to operate in your state. This will save you time and energy, as you won’t waste any time requesting quotes from companies that can’t provide coverage to you.

  3. Get quotes. Be sure to fully understand how much coverage you need, and request quotes for that specific amount from each insurer. Don’t just choose the company with the lowest price; instead, consider the coverage level you desire and choose the one that offers the best price for that level of coverage. An online comparison tool is a great way to streamline this process and ensure you’re making an informed decision.

How to get the cheapest car insurance in Dallas

If you’re looking to save on car insurance in Dallas, consider some of these tips for finding more affordable policies:

  • Ask about discounts. First, don’t hesitate to ask your insurance company for discounts. You may be eligible for discounts such as loyalty and paperless discounts, which could lower your overall insurance premium.

  • Choose a less expensive car. If you’re about to buy a new car, consider buying a less expensive car. Luxury cars are more expensive to insure, so opting for a less pricey car can help you find a more affordable policy.

  • Bundle different policies. Most car insurance companies offer homeowners insurance too, and getting both policies from the same insurer can result in reduced rates.

  • Shop around for the best rates. Before finalizing any policy, make sure to shop around for the best rates. Get quotes from multiple car insurance companies to find the coverage and price that suit your budget the best.

Find Car Insurance in Dallas, Texas

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Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Liability-only vs. full-coverage insurance in Texas

Every state has a different minimum liability auto insurance requirement. In Texas, drivers must have a minimum of $30,000 in liability coverage for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. A liability-only policy covers damages or injuries you cause to others in an accident, but it doesn’t cover any of your damages or injuries. In other words, it provides protection for other people and their property, but not for you.

Liability-only insurance may make sense for a driver when they have an older or less valuable car, are on a tight budget, or don’t have a lot of assets to protect. For a higher level of protection, drivers can look into full-coverage insurance, which includes collision and comprehensive coverage.

Collision covers damage to your own car in an accident, while comprehensive coverage is for damage from noncollision incidents, such as theft, vandalism, or natural disasters. It’s generally a good idea to have full coverage if you have a newer or more valuable car, are financing or leasing your car, or have a lot of assets to protect.

Here’s a glimpse at how the cost of liability-only coverage can compare to full-coverage policies from different insurance companies in Dallas.

Insurance CompanyAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full Coverage
Safeco$108$215
Progressive$110$241
Mile Auto$126$147
Commonwealth Casualty$130$367
Apparent$132$201
Kemper$136$268
Midvale Home & Auto$145$254
Travelers$146$205
Freedom National$149$457
Kemper Specialty$154$316
State Auto$154$320
Elephant$154$215
Clearcover$155$195
Direct Auto$175$234
Nationwide$190$220
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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Texas car insurance rates by driving and accident history

Your driving history plays a significant role in determining your car insurance costs. Insurance companies consider the likelihood of your filing a claim when determining your rates. A history of infractions can also be an indicator of increased risk.

If you have a clean driving record, meaning no at-fault accidents or speeding tickets, you’re typically viewed as a low-risk driver and are more likely to receive affordable rates. Insurance companies see these drivers as less likely to file claims and therefore offer lower rates.

On the other hand, if you have a history of accidents, tickets, or other violations (like driving under the influence), your rates are likely to be higher. Insurance companies view drivers with these infractions as higher-risk and more likely to file a claim. As a result, they charge higher rates to offset this increased risk.

It’s important to note that every insurance company has its own criteria for determining rates, so it’s always a good idea to shop around for car insurance quotes to find the best rate for you. Remember that safe driving habits not only keep you and others safe on the road but can also lead to more affordable car insurance rates.

Here’s a look at average monthly quotes for the cheapest car insurance in Texas based on driving and accident history.

Insurance CompanyClean RecordAt-Fault AccidentDUISpeeding Ticket
Mile Auto$147$210$292$197
Clearcover$195$278$387$261
Apparent$201$287$399$269
Travelers$205$293$408$275
Safeco$215$308$429$289
Elephant$215$308$429$289
Nationwide$220$315$438$295
Direct Auto$234$335$466$314
Progressive$241$344$479$322
Mercury$254$363$505$340
Midvale Home & Auto$254$363$506$340
Kemper$268$383$534$359
AssuranceAmerica$312$446$620$418
Kemper Specialty$316$451$628$423
Bristol West$316$452$629$424
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 quotes by credit tier

Many auto insurance companies rely on consumer credit information to determine car insurance premiums. By analyzing credit behaviors, insurers can gauge the likelihood of a policyholder filing an insurance claim.

Credit scores range from poor to excellent, with poor credit scores falling between 500 and 600 and excellent scores ranging from 781 to 850. Keep in mind that credit score rankings may vary slightly depending on the credit-scoring model used.

While a lack of credit scores can’t be used to determine insurance premiums in some states, such as Texas, insurers can use existing credit scores.[10] This means that insurers in Texas can reference credit scores when setting your rate.

In Dallas, full-coverage policy prices can vary depending on your credit score. On average, those with good credit scores (661–780) may pay less than those with poor credit scores (500–600). It’s important to note that other factors, like your driving history and vehicle type, may also affect individual premiums.

Dallas car insurance rates by driver age

Age can also affect how much you spend on car insurance, as insurers consider younger drivers who lack experience on the road to be at a higher risk of filing a claim. As a result, younger drivers typically pay higher premiums for their car insurance than older drivers.

You can review the following table to get an idea of how age can affect insurance rates in Dallas.

Age GroupAverage Monthly Quote
Teenagers$1,000
Under 25$698
20s$574
30s$549
40s$528
50s$514
60s$538
70s$584
80+$494
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.

Is car insurance more expensive in Dallas?

The city you live in can affect how much you spend on car insurance. For example, while the average monthly premium in Dallas for liability-only coverage is $202 per month, in Wichita, Kansas, drivers pay a much lower average monthly cost of $151.

Several rating factors determine insurance prices, with the driver’s location being a big one, according to Lauren McKenzie, a senior agent at A Plus Insurance.

“Insurance companies rate policies based on their ZIP codes and the risk in each ZIP code and surrounding areas,” McKenzie explains. “For instance, a driver who lives in a heavily populated area most likely has a higher accident rate and will see higher insurance prices in that area. Drivers who live in smaller, not as heavily populated areas will have a lower amount of accidents and claims in that area, resulting in lower premiums.”

Crime rates, such as for vehicle theft and vandalism, play a role here too. 

“Areas with higher crime rates make the insured a higher risk to be the victim of a crime, such as having their vehicle broken into or stolen,” McKenzie notes. “Living in those high-crime areas will result in an increase in premium because the insurance company considers that driver to live in a high-risk area, which makes them prone to more crime, or more accidents.”

The following table compares average prices between Dallas and other cities.

CityAverage Monthly QuoteCompared to Dallas
Arlington$2020%
Austin$183-16%
Corpus Christi$190-3%
El Paso$163-6%
Fort Worth$178-7%
Houston$24717%
Lubbock$187-2%
Plano$185-15%
San Antonio$191-12%
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.

Find Car Insurance in Dallas, Texas

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Find local Dallas agents

  • TexCap Insurance 

    12404 Park Central Dr,
    Dallas, TX 75251-1800
  • Stogner & Associates Insurance 

    5538 South Hampton Road,
    Dallas, TX 75232
  • Insurance One Agency, LC 

    14180 N. Dallas Parkway,
    Dallas, TX 75254
  • Monarch Insurance Group 

    17440 Dallas Parkway,
    Dallas, TX 75287
  • Porter-Brandenburg Agency, Inc 

    12160 Abrams Rd.,
    Suite 107, Dallas, TX 75243
  • The Prevail Insurance Group 

    100 Crescent Ct.,
    Dallas, TX 75201
  • CoVerica 

    5999 Summerside Dr Ste 200,
    Dallas, TX 75252
  • SIG/ Powell Insurance Group 

    12801 N Central Expressway,
    Dallas, TX 75243
  • Swingle, Collins & Associates 

    13760 Noel Rd,
    Ste 600, Dallas, TX 75240
  • Benefit Resource Group 

    6211 W. Northwest Hwy,
    Dallas, TX 75225
View more

Dallas car insurance FAQs

If you’re shopping for car insurance in Dallas, here’s some additional information that may help you navigate the process.

  • Who has the cheapest car insurance in Dallas?

    Comparing multiple quotes at once can help you find the cheapest car insurance rate for your situation. The cheapest average monthly car insurance premium (liability only) in Dallas comes from Safeco, at just $108 per month, followed by Progressive ($110) and Mile Auto ($126).

  • Why is auto insurance so expensive in Texas?

    Prices can fluctuate by both city and state due to various factors, such as differences in local laws and regulations, demographics, and crime rates. It’s important to shop around and compare quotes to find the best rates for your specific situation.

    Several factors contribute to expensive car insurance costs in Texas, including the state’s high rate of uninsured drivers and high incidence of severe weather events, like hailstorms and flooding. Weather conditions such as heavy rain and flooding can increase the risk of accidents and damage to vehicles.

  • What are the best car insurance companies in Dallas?

    The best car insurance in Dallas for one driver may be different from another driver’s. For example, while Nationwide offers a great product for a fair price ($190 per month on average for liability only), Safeco offers a much lower overall price ($108) for drivers on a budget, and Travelers ($146) offers some perks that really work for senior drivers.

  • What is the average cost of car insurance per month in Dallas?

    The average monthly cost of car insurance in Dallas is $202 for liability-only coverage and $322 for full coverage. This means that drivers with liability-only coverage can expect to spend an average of $2,424 per year and drivers with full coverage can expect to spend an average of $3,864.

  • Is Texas a no-fault state?

    No. ​​Texas is an at-fault state, meaning that the driver responsible for an accident is held financially liable for the damages. This differs from no-fault states, where each driver’s insurance covers their own injuries, regardless of who caused the accident. Understanding the fault laws in Texas helps drivers know their potential liability in an accident.

Sources

  1. Better Business Bureau. "Nationwide." Accessed May 16, 2023
  2. J.D. Power. "Usage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds." Accessed May 16, 2023
  3. Better Business Bureau. "Safeco." Accessed May 16, 2023
  4. A.M. Best. "AM Best Affirms Credit Ratings of The Travelers Companies, Inc. and Its Main Subsidiaries." Accessed May 16, 2023
  5. Better Business Bureau. "Travelers Insurance." Accessed May 16, 2023
  6. Better Business Bureau. "Direct Auto." Accessed May 16, 2023
  7. Better Business Bureau. "Midvale Home & Auto." Accessed May 16, 2023
  8. Better Business Bureau. "Mercury." Accessed May 16, 2023
  9. Better Business Bureau. "Progressive." Accessed May 16, 2023
  10. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?." Accessed May 16, 2023
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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