Cheap Auto Insurance Quotes in Dallas, TX (2021)

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Although investment in Dallas’s popular rapid transit system continues to increase, a great majority of workers still drive solo to and from their jobs. This means more cars and more accidents on Dallas roadways. Making sure they are protected with affordable car insurance is at the top of the list for any driving Dallasite.

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.

Car Insurance in Dallas, TX

The average cost of Texas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Dallas, TX to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$169
$170
$240
$254
$268
ProgressiveState FarmDirect AutoNationwideMercury
Monthly $

Cheapest Car Insurance in Dallas, TX

Here are the cheapest carriers in Dallas for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Dallas, TX

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Dallas. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$222
$222
$225
$203
$203
$258
TexasHoustonSan AntonioAustinFort WorthDallas
Monthly $

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Dallas, TX Driving Facts

texas

Minimum Car Insurance Requirements in TX

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas are as follows:

  • $30,000/$60,000 bodily injury liability per person/accident

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.

  • $25,000 propery damage liability per accident

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.

Dallas Car Insurance Rates by Driver Age

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.

Driving History
No Violation$270
Speeding Ticket$316
At-Fault Accident$326
Failure to Stop for Red Light / Stop Sign$319

Dallas Car Insurance Rates by Driving and Accident History

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 Car Insurance Rates by Credit Tier

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.

Dallas, TX DMV Information

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.

Public Transportation in Dallas, TX

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!

Conclusion: How to get the best and cheapest car insurance in Dallas, TX

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.

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

Insurify Insights: How Dallas Drivers Measure Up

nissan
Nissan Altima
Most Popular Car in
Dallas, TX
suspended licenses
#21
Cities with Most
Suspended Licenses Rank

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.

Accidents Dallas

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.

  • Rank within state: #78
  • Percent of drivers in Dallas with an accident: 10.36%
  • Drivers in Dallas, TX with an accident in their driving history paid on average 32.22% more than drivers with a clean record

Speeding Dallas

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.

  • Rank within state: #79
  • Percent of drivers in Dallas with a speeding ticket: 9.16%
  • Drivers in Dallas, TX with a speeding ticket in their driving history paid on average 32.22% more than drivers with a clean record

DUI/DWIs Dallas

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.

  • Rank within state: #65
  • Percent of drivers in Dallas with a DUI: 1.52%
  • Drivers in Dallas, TX with a DUI in their driving history paid on average 28.03% more than drivers with a clean record

Most Popular Vehicle Dallas

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.

Rude Dallas

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.

  • Rank within state: #63
  • Percent of drivers in Dallas with a reckless driving violation: 1.34%
  • Drivers in Dallas, TX with a reckless driving violation in their driving history paid on average 20.5% more than drivers with a clean record.

Safest Drivers Dallas

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.

  • Rank within state: #67
  • Percent of drivers in Dallas with clean record: 81.64%

Failure to Yield the Right of Way Dallas

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.

  • Rank within state: #2
  • Percent of drivers in Dallas with a failure to yield violation: 0.17%
  • Drivers in Dallas, TX with a failure to yield violation in their driving history paid on average 2400% more than drivers with a clean record

Reckless Drivers Dallas

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.

  • Rank within state: #14
  • Percent of drivers in Dallas with a reckless driving offense: 0.04%

Hybrid/Electric Vehicle Ownership Dallas

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.

  • Rank within state: #34
  • Percent of drivers in Dallas with a hybrid/electric vehicle: 1.39%

FAQs - Dallas, TX Car Insurance

Am I covered by my Texas insurance policy while driving in Mexico?

Although you can sometimes be covered for short trips into Mexico, Mexico doesn’t recognize American auto policies. Each Mexican state sets potential civil and criminal liability amounts a driver would be responsible for in case of a fatality. You should therefore buy a Mexican liability insurance policy to keep in step with Mexican law and avoid any large financial burdens that could arise from an accident. These types of policies can be bought in Texas from some agents and will ensure you peace of mind when traveling.

I don’t live in Dallas, but I sent my son to school there. Can I keep him on my policy?

For the most part, if your son is going to school full-time and his primary address is still your house, you can keep him on your policy. Keeping children on your policy ensures that when they borrow the car while at home, they are covered and likewise if they were to drive someone else’s car while at school. If they take a car to college with them, it’s important to keep them on your policy as well—and it’s cheaper. You’ll still want to contact your insurer, however, to let them know where the car will be parked (also known as the “garaging address”). Sometimes rates can go up or down depending on that location.

How does my Dallas ZIP code affect my car insurance rate?

Believe it or not, you could live across the street from someone with a different ZIP code and see a difference in your insurance bill. This model of geographic pricing means that insurers take into consideration the number of accidents and theft claims there are within a certain ZIP code and use that to calculate how much they will charge you for insurance. Although driving habits and driving record certainly are also a major part of that calculation as well, ZIP code is usually the first thing any car insurance comparison site will ask you.

Insurify Rate Comparison Methodology

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.