Cheap Car Insurance Quotes in Dallas, Texas (2025)

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 $151. 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.

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	$230	$125
National average	$195	$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: Tuesday, July 1 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.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
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 6,041 reviews	Overall rating 4.0 6,431 reviews	Overall rating 4.9 1,192 reviews	Overall rating 4.3 485 reviews	Overall rating 3.8 1,175 reviews	Overall rating 3.4 38 reviews
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 3.3/5
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 4.1/5	Claims handling 3.5/5
Special highlight AI-generated from 6041 user reviews Customer service	Special highlight AI-generated from 6431 user reviews Teen drivers	Special highlight AI-generated from 1192 user reviews Members of the military community	Special highlight AI-generated from 485 user reviews Usage-based savings	Special highlight AI-generated from 1175 user reviews Bundling discounts	Special highlight AI-generated from 38 user reviews Robust mobile app

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

Cheap Rates

Compare Quotes

User Reviews	4.1 6,041 reviews
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

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Driver Reviews

4.1

Best choiceBased on 11,260 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 (6,041)

Steven

June 30, 2025

Verified Review

Happy but Broke Now

State Farm is a great company that comes at a premium.

Tammi

June 29, 2025

Verified Review

State Farm is financially greedy

State Farm is ridiculously expensive!

Dorothy

June 28, 2025

Verified Review

State Farm for the average person

My agent is exceptional!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

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

discounts

Compare Quotes

User Reviews	4.0 6,431 reviews
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

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Driver Reviews

4.0

Best choiceBased on 11,987 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 (6,431)

Deejane

June 30, 2025

Verified Review

Geico Forever

All good for over 50 years.

Joshua

June 30, 2025

Verified Review

GEICO has the best rates

Thank you for your service.

Amanda

June 28, 2025

Verified Review

GEICO

GEICO has the best rate for the coverage I need. Their customer service can be hit or miss, but for the most part, it has been good.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

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

military community

Compare Quotes

User Reviews	4.9 1,192 reviews
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

Show Details

Driver Reviews

4.9

Best choiceBased on 2,100 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 (1,192)

John

June 17, 2025

Verified Review

USAA Critique

High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

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.

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.

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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 $235 per month. Compare average quotes from different insurers below.

The below rates are estimated rates current as of: Tuesday, July 1 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	$119
Mercury	$109	$142
Progressive	$115	$138
Nationwide	$124	$150
Root	$136	$175
Dairyland	$137	$164
The General	$141	$178
Bristol West	$142	$172
AssuranceAmerica	$145	$168
Safeco	$146	$180
GEICO	$147	$173
Commonwealth Casualty	$150	$185
Clearcover	$152	$189
National General	$163	$195
Direct Auto	$165	$199
Chubb	$168	$202
GAINSCO	$172	$197
Elephant	$177	$205
21st Century	$193	$237
Foremost	$229	$282
Liberty Mutual	$290	$358

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: Tuesday, July 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$55	$68
Allstate	$78	$98
Mile Auto	$79	$100
USAA	$99	$124
Mercury	$109	$151
Progressive	$115	$148
Nationwide	$124	$157
Root	$136	$175
Dairyland	$137	$172
The General	$141	$184
Bristol West	$142	$179
AssuranceAmerica	$145	$172
Safeco	$146	$193
GEICO	$147	$182
Commonwealth Casualty	$150	$188
Clearcover	$152	$214
National General	$163	$202
Direct Auto	$165	$213
Chubb	$168	$210
GAINSCO	$172	$209
Elephant	$177	$220
21st Century	$193	$247
Foremost	$229	$292
Liberty Mutual	$290	$370

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 $242.

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: Tuesday, July 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DWI
State Farm	$55	$74
Allstate	$78	$105
Mile Auto	$79	$106
USAA	$99	$133
Mercury	$109	$149
Progressive	$115	$155
Nationwide	$124	$167
Root	$136	$183
Dairyland	$137	$184
The General	$141	$190
Bristol West	$142	$191
AssuranceAmerica	$145	$195
Safeco	$146	$205
GEICO	$147	$179
Commonwealth Casualty	$150	$202
Clearcover	$152	$204
National General	$163	$219
Direct Auto	$165	$222
Chubb	$168	$226
GAINSCO	$172	$231
Elephant	$177	$238
21st Century	$193	$260
Foremost	$229	$308
Liberty Mutual	$290	$390

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: Tuesday, July 1 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$42	$71
Mile Auto	$60	$121
Allstate	$62	$105
USAA	$78	$132
Progressive	$83	$143
Mercury	$89	$148
Nationwide	$92	$155
Dairyland	$110	$297
AssuranceAmerica	$110	$241
The General	$112	$221
Root	$114	$210
Bristol West	$114	$238
Commonwealth Casualty	$118	$318
GEICO	$122	$178
National General	$123	$222
Chubb	$123	$206
Safeco	$125	$202
Direct Auto	$128	$219
Clearcover	$131	$213
GAINSCO	$141	$287
Elephant	$143	$226
21st Century	$145	$245
Foremost	$191	$397
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 $387 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: Tuesday, July 1 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$106	$179
Allstate	$156	$264
Mile Auto	$165	$335
USAA	$185	$310
Mercury	$209	$350
Progressive	$217	$375
Dairyland	$235	$636
Root	$238	$439
Nationwide	$244	$411
The General	$247	$489
Bristol West	$261	$545
Clearcover	$280	$457
Commonwealth Casualty	$281	$756
GEICO	$286	$418
AssuranceAmerica	$293	$639
Safeco	$306	$496
Elephant	$314	$495
GAINSCO	$329	$669
Direct Auto	$333	$570
National General	$340	$611
Chubb	$361	$606
21st Century	$364	$614
Foremost	$446	$927
Liberty Mutual	$535	$705

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.

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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 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.

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: Tuesday, July 1 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