Cheap Car Insurance Quotes in Dallas, Texas (2025)
State Farm offers the cheapest car insurance in Dallas, with minimum-coverage policies as low as $55 per month.
Secure. Free. Easy-to-use.
Excellent
)
Written byEmily Guy Birken
)
Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
Featured in
){kind=small}
){kind=small}
){kind=small}
)
Edited byAshley Cox
)
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
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.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
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.
Table of contents
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 $199 per month compared to the national average cost of $149. Drivers in bigger cities with higher population densities face increased risks of car accidents.
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, Allstate, and Mile Auto have the cheapest average liability rates in Dallas.
On average, Dallas drivers pay $138 per month for liability coverage and $259 for full coverage.
Dallas’ car insurance rates are higher than the Lone Star State’s overall average of $176 per month.
How much is car insurance in Dallas, TX?
Car insurance in Dallas is more expensive than in Texas overall, and Dallas insurance costs are also higher than the national average. See how Dallas car insurance rates compare in the table below.
 | Full Coverage | Liability Only |
|---|---|---|
| Dallas | $259 | $138 |
| Texas | $227 | $126 |
| National average | $192 | $107 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance companies in Dallas
The cheapest car insurance company for one person might not be the same for another, since multiple factors affect your rates. If you’re searching for affordable coverage, you can see some of the cheapest car insurance companies in Dallas in the table below.
The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $93 | $55 |
| Allstate | $132 | $78 |
| Mile Auto | $160 | $79 |
| USAA | $166 | $99 |
| Mercury | $182 | $109 |
| Progressive | $199 | $115 |
| Nationwide | $209 | $124 |
| GEICO | $215 | $147 |
| Safeco | $237 | $146 |
| Clearcover | $248 | $152 |
| Root | $251 | $136 |
| Elephant | $279 | $177 |
| The General | $279 | $141 |
| Chubb | $282 | $168 |
| Direct Auto | $283 | $165 |
| National General | $293 | $163 |
| Bristol West | $296 | $142 |
| AssuranceAmerica | $316 | $145 |
| 21st Century | $326 | $193 |
| GAINSCO | $350 | $172 |
| Dairyland | $371 | $137 |
| Liberty Mutual | $382 | $290 |
| Commonwealth Casualty | $404 | $150 |
| Foremost | $476 | $229 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Best 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.
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.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $66/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $161/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $118/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $148/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $169/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $178/mo* |
Overall rating 4.1 | Overall rating 4.0 | Overall rating 4.9 | Overall rating 4.3 | Overall rating 3.8 | Overall rating 3.4 |
Value for money 3.8/5 | Value for money 3.8/5 | Value for money 4.9/5 | Value for money 4.0/5 | Value for money 3.6/5 | Value for money 3.4/5 |
Customer service 4.1/5 | Customer service 3.9/5 | Customer service 4.7/5 | Customer service 4.1/5 | Customer service 3.8/5 | Customer service 3.5/5 |
Claims handling 4.1/5 | Claims handling 4.1/5 | Claims handling 4.9/5 | Claims handling 4.4/5 | Claims handling 4.0/5 | Claims handling 3.5/5 |
Special highlight Customer serviceAI-generated from 6071 user reviews | Special highlight Teen driversAI-generated from 6445 user reviews | Special highlight Members of the military communityAI-generated from 1202 user reviews | Special highlight Usage-based savingsAI-generated from 487 user reviews | Special highlight Bundling discountsAI-generated from 1181 user reviews | Special highlight Robust mobile appAI-generated from 38 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Best insurer for cheap rates: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $55/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. | $93/mo |
4.1
Best choiceBased on 11,351 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,071)
Ethline
Verified Review
Insurance Increase
Reviewed in Maryland on July 2025
My only problem with State Farm is the rising cost of my insurance. I've been with them for about 35 years, and my husband had one accident last year, causing the premiums to increase by 100%. What's that about? They've just increased mine as well.
Deidre
Verified Review
Florida Insurance Cost Woes
Reviewed in Florida on July 2025
It seems to be the best price here in Florida. Customer service is lacking. There's no agent to talk to. When we bought the policy, we had an agent who was okay, but he left, and now it is a house account. We would prefer a broker to find us the best rate, but alas, that is lacking in Florida. We feel frustrated and alone in trying to find the best rate. We had a better deal in Arizona.
Jim
Verified Review
Left wanting more for my money.
Reviewed in Ohio on July 2025
They and others are too expensive. I have one homeowner's claim in 37 years of home ownership and still pay too much.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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++Why we picked this company
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
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $147/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. | $215/mo |
4.0
Best choiceBased on 12,043 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,445)
Irene
Verified Review
My husband and I shared a policy. He got into multiple accidents, and I got into none. When I tried to switch insurance companies, the accidents he was involved in showed up under my name. Geico refused to correct it, and now I am paying higher insurance because of it.
Reviewed in New Jersey on July 2025
My husband and I shared a policy. He got into multiple accidents, and I got into none. When I tried to switch insurance companies, the accidents he was involved in showed up under my name. Geico refused to correct it, and now I am paying higher insurance because of it.
Jared
Verified Review
Geico: Slow Like Race Day
Reviewed in North Carolina on July 2025
Fast responsive call center for claims, but the claim associate took forever to get claim amounts back in full. She was always driving when you called to chat about your policy and issues. It took 1.5 years to complete and get a great body shop to repair my vehicle. The shop still left the hood ground unhooked and hurried the claim to get my money. Paint and body work are not satisfactory after a closer look. Geico is disappointing.
Valery
Verified Review
Geico constantly raises rates
Reviewed in Oregon on July 2025
Stay away from Geico. They do not lower rates for good drivers, drivers using dashcams, accident-free, ticket-free. They constantly raise rates, claiming that the state raised the insurance rates, which is misleading. They seem more interested in giving their shareholders bigger dividends and are not there for the consumer.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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++Why we picked this company
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
Best insurer for the military community: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $99/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. | $166/mo |
4.9
Best choiceBased on 2,120 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,202)
Judy
Verified Review
Thoughts on USAA
Reviewed in Texas on July 2025
They are good so far, although I've never had to contact them. I would like a lower monthly premium, but no one has given a lesser amount for insurance and a small renters policy.
Alvin
Verified Review
Top Notch Service!
Reviewed in Texas on July 2025
They're very customer-friendly. They offer the most bang for your bucks!
Kenneth
Verified Review
Too long with USAA, apparently.
Reviewed in Florida on July 2025
Thirty-plus year member. Love the distribution at the end of the year; not impressed with the steady increase in premiums, especially since I’ve had only two claims since I joined, neither very costly to USAA. I’m looking for less cost and much better customer appreciation.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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++Why we picked this company
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 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
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. 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.
Shop around for the best rates. Compare costs when buying a car or renewing your policy to find the best deal. Prices vary widely between insurers, and you should get quotes from at least three companies.
Cheapest recent rates near Dallas, Texas
Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $65/mo for full coverage in Dallas and other Texas cities.
*Quotes generated for Insurify users in and around Dallas, Texas within the last 10 days. Last updated on July 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 29, 2025. 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 July 29, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 July 29, 2025. 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.[2]
Texas requires all drivers to purchase minimum amounts of bodily injury and property damage liability coverage. To drive legally in the state, you need to purchase the following minimum coverages:[3]
Coverage | Minimum 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:
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.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist 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.
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 insurance also covers rollover accidents and pothole damage.
Comprehensive coverage
Comprehensive insurance 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 $227 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.
Shop for Car Insurance in Dallas, TX
Monthly rates start at $63 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Speeding can increase a driver’s risk of getting into an accident, so insurers may charge drivers more for coverage if they have a ticket on their driving record.
The average cost of car insurance for Dallas drivers with a past speeding ticket is $234 per month. Compare average quotes from different insurers below.
The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $55 | $65 |
| Allstate | $78 | $93 |
| Mile Auto | $79 | $91 |
| USAA | $99 | $118 |
| Mercury | $109 | $142 |
| Progressive | $115 | $135 |
| Nationwide | $124 | $149 |
| Root | $136 | $171 |
| Dairyland | $137 | $164 |
| The General | $141 | $179 |
| Bristol West | $142 | $172 |
| AssuranceAmerica | $145 | $168 |
| Safeco | $146 | $180 |
| GEICO | $147 | $181 |
| Commonwealth Casualty | $150 | $171 |
| Clearcover | $152 | $189 |
| National General | $163 | $194 |
| Direct Auto | $165 | $199 |
| Chubb | $168 | $201 |
| GAINSCO | $172 | $197 |
| Elephant | $177 | $204 |
| 21st Century | $193 | $236 |
| Foremost | $229 | $279 |
| Liberty Mutual | $290 | $353 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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, insurance companies will likely 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.
But 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.
Dallas drivers with a past accident pay an average of $247 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: Monday, July 21 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $55 | $68 |
| Allstate | $78 | $97 |
| Mile Auto | $79 | $100 |
| USAA | $99 | $123 |
| Mercury | $109 | $151 |
| Progressive | $115 | $142 |
| Nationwide | $124 | $156 |
| Root | $136 | $167 |
| Dairyland | $137 | $172 |
| The General | $141 | $184 |
| Bristol West | $142 | $178 |
| AssuranceAmerica | $145 | $171 |
| Safeco | $146 | $193 |
| GEICO | $147 | $173 |
| Commonwealth Casualty | $150 | $188 |
| Clearcover | $152 | $214 |
| National General | $163 | $202 |
| Direct Auto | $165 | $213 |
| Chubb | $168 | $209 |
| GAINSCO | $172 | $210 |
| Elephant | $177 | $220 |
| 21st Century | $193 | $245 |
| Foremost | $229 | $290 |
| Liberty Mutual | $290 | $368 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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.[4]
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 $241.
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: Monday, July 21 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DWI |
|---|---|---|
| State Farm | $55 | $75 |
| Allstate | $78 | $107 |
| Mile Auto | $79 | $108 |
| USAA | $99 | $135 |
| Mercury | $109 | $149 |
| Progressive | $115 | $139 |
| Nationwide | $124 | $169 |
| Root | $136 | $186 |
| Dairyland | $137 | $187 |
| The General | $141 | $193 |
| Bristol West | $142 | $194 |
| AssuranceAmerica | $145 | $198 |
| Safeco | $146 | $204 |
| GEICO | $147 | $201 |
| Commonwealth Casualty | $150 | $205 |
| Clearcover | $152 | $208 |
| National General | $163 | $223 |
| Direct Auto | $165 | $225 |
| Chubb | $168 | $230 |
| GAINSCO | $172 | $235 |
| Elephant | $177 | $242 |
| 21st Century | $193 | $264 |
| Foremost | $229 | $313 |
| Liberty Mutual | $290 | $396 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 car insurance than young drivers due to safer driving habits. In most cases, premiums decrease for most drivers around age 35 and remain low for another four decades. But at 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 $165 per month. Here’s how average quotes from several different insurers vary for senior drivers.
The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $42 | $72 |
| Mile Auto | $60 | $121 |
| Allstate | $62 | $105 |
| USAA | $79 | $132 |
| Mercury | $89 | $148 |
| Nationwide | $92 | $156 |
| Progressive | $96 | $165 |
| Dairyland | $110 | $297 |
| AssuranceAmerica | $110 | $241 |
| The General | $112 | $222 |
| Root | $112 | $207 |
| GEICO | $114 | $166 |
| Bristol West | $114 | $238 |
| Commonwealth Casualty | $118 | $318 |
| Chubb | $123 | $207 |
| National General | $124 | $222 |
| Safeco | $125 | $203 |
| Direct Auto | $128 | $219 |
| Clearcover | $131 | $214 |
| GAINSCO | $141 | $287 |
| Elephant | $144 | $226 |
| 21st Century | $146 | $247 |
| Foremost | $192 | $399 |
| Liberty Mutual | $239 | $314 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 National Highway Traffic Safety Administration (NHTSA).[5]
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 $388 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: Monday, July 21 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| State Farm | $107 | $181 |
| Allstate | $157 | $266 |
| Mile Auto | $166 | $337 |
| USAA | $186 | $313 |
| Mercury | $210 | $351 |
| Progressive | $225 | $389 |
| Dairyland | $236 | $638 |
| Root | $245 | $453 |
| Nationwide | $246 | $415 |
| The General | $250 | $494 |
| Bristol West | $262 | $547 |
| GEICO | $271 | $396 |
| Clearcover | $277 | $451 |
| Commonwealth Casualty | $282 | $760 |
| AssuranceAmerica | $295 | $643 |
| Safeco | $307 | $499 |
| Elephant | $315 | $497 |
| GAINSCO | $331 | $673 |
| Direct Auto | $333 | $571 |
| National General | $339 | $610 |
| Chubb | $362 | $608 |
| 21st Century | $364 | $614 |
| Foremost | $448 | $932 |
| Liberty Mutual | $540 | $711 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Dallas
Insurify partners with 120+ top insurers for real-time quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Dallas car insurance quotes by credit tier
Texas allows insurance companies to use drivers’ credit history as a factor in determining premiums. 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.[6]
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.
Cost of car insurance in other Texas cities
People in bigger cities pay higher car insurance rates due to an increased risk of accidents and vehicle theft. See how Dallas car insurance costs compare to some other cities in Texas.
The below rates are estimated rates current as of: Monday, July 21 at 12:00 PM PDT.
City | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Abilene | $95 | $195 |
| El Paso | $104 | $199 |
| Amarillo | $109 | $226 |
| Killeen | $109 | $203 |
| Midland | $110 | $217 |
| Lubbock | $111 | $220 |
| Odessa | $112 | $246 |
| San Marcos | $114 | $220 |
| Huntsville | $116 | $217 |
| Denton | $122 | $212 |
| Laredo | $123 | $210 |
| Brownsville | $124 | $210 |
| Fort Worth | $124 | $226 |
| Plano | $128 | $224 |
| San Antonio | $129 | $231 |
| Arlington | $131 | $233 |
| Grand Prairie | $132 | $244 |
| Irving | $132 | $243 |
| Corpus Christi | $134 | $220 |
| Austin | $134 | $222 |
| Galveston | $135 | $216 |
| Mesquite | $137 | $248 |
| Dallas | $138 | $259 |
| Garland | $138 | $242 |
| Mcallen | $141 | $219 |
| Beaumont | $143 | $242 |
| Houston | $178 | $297 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 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 $199 per month. Dallas drivers pay $138 per month for liability coverage and $259 for full-coverage insurance, on average. How much you pay for coverage will depend on your driving record, age, credit history, and more.
Which company has the cheapest car insurance in Dallas?
With a liability car insurance rate of $55 per month, State Farm is the cheapest car insurance company in Dallas. Allstate and Mile Auto also offer affordable coverage, with rates of $78 and $79 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 an Insurify Quality (IQ) Score of 9.3 out of 10, 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 $54 per month for liability coverage and $87 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.
Related articles
)
Cheap Car Insurance Quotes in Texas Starting at $54
July 29, 2025
)
Can You Drive in Texas With a Foreign License?
August 16, 2024
)
How to Get a Texas Drivers License: A Step-by-Step Guide
February 21, 2025
)
Texas Car Accident Laws and Regulations
September 19, 2024
)
Best Full-Coverage Car Insurance in Texas: Cheapest Rates 2025
July 21, 2025
)
Non-Owner Car Insurance in Texas
July 29, 2025
)
Car Insurance Discounts for Texas Drivers
July 29, 2025
)
How Long Does an Insurance Company Have to Investigate an Auto Claim in Texas?
August 26, 2024
)
What to Do if You Get Into an Accident With an Uninsured Driver in Texas
August 24, 2024
)
Does a Vehicle Have to Be in Your Name to Insure It in Texas?
August 27, 2024
)
What Age Does Insurance Go Down in Texas?
July 8, 2025
)
Cheapest Car Insurance for New Drivers in Texas
July 29, 2025
)
Compare Car Insurance Rates for Senior Drivers in Texas From $42/mo.
July 29, 2025
)
Best Car Insurance Companies in Texas
July 29, 2025
)
Cheap SR-22 Insurance in Texas
July 29, 2025
)
Temporary Car Insurance in Texas
July 29, 2025
)
)
)
)
Cheap Car Insurance in San Antonio, Texas, From $50
July 29, 2025
)
Best Cheap Car Insurance in San Marcos, TX, From $46
July 29, 2025
)
Cheap Car Insurance in Plano, TX, Starting at $49
July 29, 2025
)
Best Cheap Car Insurance in Lubbock, TX, From $46
July 29, 2025
)
Cheapest Car Insurance Quotes in Odessa, TX,
July 29, 2025
)
Cheap Car Insurance in Midland, TX, Starting at $45
July 29, 2025
)
Cheapest Car Insurance Quotes in McAllen, TX,
July 29, 2025
)
Cheap Car Insurance in Mesquite, TX, Starting at $53
July 29, 2025
)
Cheap Car Insurance in Brownsville, TX, Starting at $46
July 29, 2025
)
Best Cheap Car Insurance in Laredo, TX, From $46
July 29, 2025
)
Cheapest Car Insurance Quotes in Killeen, TX
July 29, 2025
)
Best Cheap Car Insurance in Huntsville, TX, From $46
July 29, 2025
)
Cheapest Car Insurance Quotes in Irving, TX
July 29, 2025
)
Cheap Car Insurance in Houston, TX, Starting at $66
July 29, 2025
)
Best Cheap Car Insurance in Galveston, TX, From $48
July 29, 2025
)
Cheapest Car Insurance Quotes in Grand Prairie, TX,
July 29, 2025
)
Cheap Car Insurance in Garland, TX, Starting at $53
July 29, 2025
)
Cheap Car Insurance in Fort Worth, Texas, From $48
July 29, 2025
)
Best Cheap Car Insurance in El Paso, TX, From $42
July 29, 2025
)
Cheap Car Insurance in Denton, TX, Starting at $46
July 29, 2025
)
Best Cheap Car Insurance in Corpus Christi, TX, From $49
July 29, 2025
)
Cheap Car Insurance in Beaumont, TX, Starting at $53
July 29, 2025
)
Best Cheap Car Insurance in Austin, TX, From $49
July 29, 2025
Cheap Car Insurance in Amarillo, TX, Starting at $46
July 29, 2025
)
)
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- NOLO. "Texas Car Accident Laws."
- Texas Department of Insurance. "Auto insurance guide."
- Texas Department of Transportation. "Impaired driving and penalties - DUI/DWI."
- National Highway Traffic Safety Administration. "Teen Driving."
- Texas Department of Insurance. "Credit scoring and insurance."
)
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.
Emily has been a contributor at Insurify since October 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
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.