Cheapest Auto Insurance in Dallas, Texas (2024)

State Farm offers the cheapest car insurance in Dallas, with minimum-coverage policies as low as $43 per month.

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Emily Guy Birken
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Reviewed byMark Friedlander
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Updated June 16, 2024

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Cheapest recent rates near Dallas, Texas

Recent Dallas, Texas car insurance prices for Hyundai, GMC, Chevrolet , and more.

*Quotes generated for Insurify users in and around Dallas, Texas within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $211 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.

Quick Facts
  • State Farm, GEICO, and Allstate have the cheapest average liability rates in Dallas.

  • Texas insurers can consider your credit-based insurance score when determining car insurance premiums.

  • On average, Dallas drivers pay $137 per month for liability coverage and $284 for full coverage.

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.

Insurance CompanyIQ 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.
Full CoverageLiability OnlyBest For
State Farm4.6$63$38Cheap rates
GEICO4.4$69$41Discounts
USAA4.7$113$68Military members and families
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.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

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.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$43/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.
$73/mo

Founded in 1922, State Farm is the largest auto insurance company in the United States by market share. The company offers multiple ways to save through a robust list of discounts and the ability to customize coverage types, making it one of the best and most inexpensive options for drivers.

Additionally, State Farm ranked second in customer satisfaction in Texas in the 2023 J.D. Power U.S. Auto Insurance Study and earned an A++ (Superior) financial strength rating from AM Best, the highest level possible.

Pros
  • High J.D. Power customer satisfaction rating

  • Rideshare insurance available

Cons
  • Gap insurance not available

  • May not be the cheapest choice for drivers with violations or accidents

Read our State Farm review
Rosa - June 16, 2024
Verified

Not Happy

The individual agent was excellent, but as a whole, I'm not satisfied with State Farm. They didn't renew my policy just because I filed a claim. I wasn't given any explanation. I've always heard that State Farm cancels senior citizens.

Ruth - June 16, 2024
Verified

Not Happy At All

They turn a simple policy inclusion into a claim, which doesn't go away and causes the prices to increase.

John - June 16, 2024
Verified

Overpriced and Unresponsive Sales Team

I am disappointed.

Best insurer for discounts: GEICO

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.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$48/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.
$79/mo

Established in 1936, GEICO is another one of the largest companies in the auto insurance industry. The company has a reputation for discounts and a variety of coverage offerings.

GEICO offers a number of discounts related to vehicle equipment, driving history and habits, education, affiliations, customer loyalty, and more. Ideally, you can use multiple discounts to maximize your savings.

Pros
  • At least 16 available discounts

  • Award-winning mobile phone app and website

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

  • Limited local insurance agents

Read our GEICO review
Joseph J - June 16, 2024
Verified

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

It's way too expensive. It feels like I'm paying for every bad driver on the road, even though I have a spotless driving record.

David - June 16, 2024
Verified

GEICO's Rates are Too High

The premiums have increased astronomically.

Cynthia - June 16, 2024
Verified

Poor Service

Stay away from this disorganized, greedy, and rarely available company.

Best insurer for the military community: USAA

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.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$78/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.
$129/mo

Founded in 1922 when 25 Army officers joined together to insure each other’s automobiles, USAA is still offering car insurance to active-duty military members, veterans, and their families more than 100 years later.

Around 130,000 veterans live in Dallas County, making USAA a great insurance company option for a portion of the Dallas population.

Pros
  • A++ (Superior) financial strength rating from AM Best

  • Offers usage-based auto insurance

Cons
  • Only available to active-duty military, veterans, and their family members

  • Doesn’t have 24/7 customer service

Read our USAA review
Gerald - June 16, 2024
Verified

Unhappy

They keep raising the price.

Gerald - June 16, 2024
Verified

My Insurance Rates Have Gotten Very High

They are quick to raise their rates.

Kenneth - June 15, 2024
Verified

Not Good

They're not too good at relating to customers.

Find Cheap Car Insurance in Dallas, Texas

Liability coverage starts at $43 per month

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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 $43. This is significantly less expensive than the average monthly cost of $137 for this coverage in Dallas. Find additional cheap liability-only coverage options for Dallas drivers below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$43
GEICO$48
Allstate$62
Mile Auto$62
Hugo$64
USAA$78
Safeco$92
Nationwide$98
Mercury$103
Midvale Home & Auto$112
Progressive$112
Dairyland$119
Clearcover$127
Chubb$132
National General$138
Liberty Mutual$144
Elephant$146
Direct Auto$151
21st Century$153
Commonwealth Casualty$154
The General$162
GAINSCO$176
Bristol West$181
State Auto$203
AssuranceAmerica$204
Infinity$218
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.

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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm$73
GEICO$79
Allstate$103
Mile Auto$128
USAA$129
Clearcover$162
Hugo$164
Mercury$164
Nationwide$186
Safeco$194
Progressive$196
Midvale Home & Auto$200
Chubb$220
Elephant$244
21st Century$254
AssuranceAmerica$271
Liberty Mutual$300
Direct Auto$305
National General$305
Dairyland$307
Infinity$340
The General$340
Bristol West$362
State Auto$368
GAINSCO$383
Commonwealth Casualty$401
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.

Cheapest recent rates near Dallas, Texas

Recent Dallas, Texas car insurance prices for Ford, Honda, GMC , and more.

*Quotes generated for Insurify users in and around Dallas, Texas within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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]

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000 per accident

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:

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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 $291 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 $302 per month. Compare average quotes from different insurers below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$43$55
GEICO$48$62
Allstate$62$80
Mile Auto$62$86
Hugo$64$88
USAA$78$101
Safeco$92$121
Nationwide$98$128
Mercury$103$143
Midvale Home & Auto$112$150
Progressive$112$146
Dairyland$119$155
Clearcover$127$167
Chubb$132$174
National General$138$175
Liberty Mutual$144$206
Elephant$146$209
Direct Auto$151$198
21st Century$153$204
Commonwealth Casualty$154$221
The General$162$213
GAINSCO$176$252
Bristol West$181$233
State Auto$203$286
AssuranceAmerica$204$271
Infinity$218$295
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.

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 $323 per month for coverage.

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm$43$59
GEICO$48$67
Allstate$62$86
Mile Auto$62$94
Hugo$64$86
USAA$78$108
Safeco$92$124
Nationwide$98$137
Mercury$103$151
Midvale Home & Auto$112$164
Progressive$112$158
Dairyland$119$165
Clearcover$127$187
Chubb$132$184
National General$138$191
Liberty Mutual$144$217
Elephant$146$199
Direct Auto$151$214
21st Century$153$216
Commonwealth Casualty$154$210
The General$162$229
GAINSCO$176$236
Bristol West$181$247
State Auto$203$309
AssuranceAmerica$204$283
Infinity$218$298
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.

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 $366.

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DWI
State Farm$43$74
GEICO$48$82
Allstate$62$106
Mile Auto$62$96
Hugo$64$109
USAA$78$133
Safeco$92$157
Nationwide$98$168
Mercury$103$159
Midvale Home & Auto$112$191
Progressive$112$191
Dairyland$119$203
Clearcover$127$217
Chubb$132$226
National General$138$236
Liberty Mutual$144$246
Elephant$146$250
Direct Auto$151$258
21st Century$153$262
Commonwealth Casualty$154$263
The General$162$277
GAINSCO$176$301
Bristol West$181$309
State Auto$203$347
AssuranceAmerica$204$349
Infinity$218$373
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.

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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$31$53
GEICO$36$59
Hugo$43$109
Mile Auto$44$90
Allstate$47$77
USAA$58$96
Nationwide$68$130
Safeco$70$147
Mercury$72$115
Progressive$75$130
Midvale Home & Auto$80$142
Dairyland$89$230
Chubb$90$151
Clearcover$95$121
National General$103$228
21st Century$107$177
Liberty Mutual$107$223
Elephant$108$180
Direct Auto$109$220
Commonwealth Casualty$114$298
The General$124$261
GAINSCO$135$294
Bristol West$136$271
AssuranceAmerica$144$191
State Auto$146$265
Infinity$153$239
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.

Cheapest car insurance for teens: State Farm

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 $364 per month. Here are some of the cheapest average quotes offered to teen drivers in Dallas.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm$71$121
GEICO$74$121
Allstate$106$176
Hugo$109$280
Mile Auto$118$243
USAA$127$209
Nationwide$164$311
Mercury$184$292
Safeco$188$397
Midvale Home & Auto$191$340
Dairyland$195$503
Progressive$198$347
Elephant$236$394
Chubb$238$397
Clearcover$242$309
21st Century$250$414
National General$255$563
The General$256$538
Liberty Mutual$262$545
Commonwealth Casualty$267$696
Direct Auto$270$545
Bristol West$302$603
GAINSCO$308$670
State Auto$353$639
AssuranceAmerica$371$493
Infinity$391$610
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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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.

Rates by Credit Tier

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 average cost of coverage in Dallas is $137 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 $251.

Dallas residents pay more than the national average, which is $105 per month for liability-only coverage and $215 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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Abilene$94$210
Amarillo$104$250
Arlington$126$254
Austin$128$240
Beaumont$140$274
Brownsville$111$234
Corpus Christi$122$231
Denton$115$259
El Paso$93$219
Fort Worth$123$245
Galveston$123$248
Garland$134$271
Grand Prairie$131$274
Houston$170$320
Huntsville$104$237
Irving$132$272
Killeen$107$216
Laredo$104$227
Lubbock$106$240
Mesquite$132$273
Odessa$105$267
San Antonio$125$246
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.

Dallas car insurance FAQs

Before you start shopping around for auto coverage, you should decide on the right amount of insurance for your needs. The following information should help answer your remaining questions about finding car insurance in Dallas.

  • How much is car insurance in Dallas?

    The overall average cost of car insurance in Dallas is $211 per month. Dallas drivers pay $137 per month for liability coverage and $284 for full-coverage insurance, on average. How much you pay for coverage will depend on your driving record, age, credit history, and more.

  • Who has the cheapest car insurance in Dallas?

    With a liability car insurance rate of $43 per month, State Farm is the cheapest car insurance company in Dallas. GEICO and Allstate also offer affordable coverage, with rates of $48 and $62 per month, respectively. The best way to find cheap car insurance is to compare quotes from multiple insurers at once.

  • What are the best car insurance companies in Dallas?

    The best car insurance company in Dallas is State Farm, which has a high Insurify Quality (IQ) Score of 4.6 out of 5, an A++ (Superior) financial strength rating from AM Best, and a high customer satisfaction rating from J.D. Power. On average, State Farm policyholders in Texas pay $38 per month for liability coverage and $63 for full coverage. Other top insurers include GEICO and USAA.

  • What is the minimum car insurance required in Texas?

    Texas drivers need to carry at least $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage. Insurers in Texas must also offer all drivers personal injury protection and uninsured/underinsured motorist coverage, though drivers can opt out of both these coverages in writing.

  • Is Texas a no-fault state?

    No. Texas is an at-fault state, which means the driver who causes the accident must cover the other party’s resulting vehicle repairs and medical expenses.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  3. NOLO. "Texas Car Accident Laws."
  4. Texas Department of Insurance. "Auto insurance guide."
  5. National Highway Traffic Safety Administration. "Traffic Safety Facts 2020 Data."
  6. Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI."
  7. National Highway Traffic Safety Administration. "Teen Driving."
  8. Texas Department of Insurance. "Credit Scoring and Insurance."
Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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