The best car insurance in Dallas, TX

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published October 26, 2021

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The average cost of a full coverage car insurance policy in Dallas is $2,192 per year. That’s $352 more than the Texas state average of $1,840. Car insurance rates in Dallas are higher than the state average, partly because it’s one of the more densely populated cities in Texas.

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If you’re looking to get the lowest possible rate on car insurance, shop around and get quotes from multiple companies. Policygenius can help you figure out which companies offer the cheapest rates so you can compare coverage and find the right policy for you.

Key Takeaways

  • Texas Farm Bureau has the lowest average for full coverage car insurance in Dallas at $1,343 per year

  • The average cost of car insurance in Dallas is $2,192 a year

  • Texas State minimum liability requirements are $25,000 for property damage liability per accident, $30,000 for bodily injury per person, and $60,000 for bodily injury per accident

Cheapest car insurance companies in Dallas, TX

Insurance costs vary based mostly on where you live, your age, your driving history, and the kind of car you drive. Each insurance company uses its own formula for determining rates, so you can get very different rates from two companies, even for the exact same coverage. 

The table below shows the five cheapest car insurance companies in Dallas along with their J.D. Power scores (when available).

Company

Average cost

JD Power Rating

Texas Farm Bureau

$1,343

--

State Farm

$1,393

881

Germania Insurance

$1,506

--

GEICO

$1,646

871

USAA

$1,742

890

Cheapest car insurance rates by ZIP code in Dallas, TX

Exactly where you live in a city can have a big impact on your car insurance rates. Insurance companies look at your ZIP code to assess risk factors in your neighborhood, including the availability of secure parking, reports of car theft or vandalism, and even the number of accidents and traffic tickets issued near your house. Below are the car insurance rates for ZIP codes in Dallas.

ZIP code

Average cost

75201

$2,164

75202

$2,172

75203

$2,276

75204

$2,140

75206

$2,101

75207

$2,271

75208

$2,216

75209

$2,068

Choosing the right car insurance company in Dallas, TX

Choosing the right car insurance company may seem like a difficult task, but it’s easier than you might think. Consider the following factors:

  • Cost: To avoid overpaying, get quotes from multiple companies and compare

  • Coverage amounts: Choose a policy with coverage that protects you, but don’t purchase more coverage than you need — for example 

  • Customer service: Check ratings for customer service and claims satisfaction to see what current policyholders think of each company

Policygenius can help you see quotes from top insurance companies so you can compare options before you buy.

Car insurance rates for drivers with driving violations in Dallas, TX

Your driving history can have a big impact on how much you pay for car insurance. The more violations you have on your driving record, the more you’ll pay for coverage.

The table below shows the average annual car insurance rates in Dallas for drivers with a variety of violations for Texas Farm Bureau, State Farm, Germania Insurance, GEICO, and USAA.

Violation

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

USAA

At-fault Accident

$2,321

$1,684

$2,094

$2,600

$2,812

DUI

$5,885

$2,292

$3,580

$2,864

$2,783

Driving with a suspended license

$2,374

$1,988

$2,837

$2,864

$2,577

Driving with an open container

$5,885

$2,171

$1,617

$2,864

$2,090

Driving with expired registration

$1,465

$1,412

$1,617

$1,959

$2,090

Driving without Lights

$1,465

$1,412

$1,617

$1,959

$2,090

Failure to show documents

$1,465

$1,412

$1,617

$1,959

$2,090

Failure to stop at a red light

$1,465

$1,412

$1,617

$1,959

$2,090

Cheapest car insurance for drivers with bad credit in Dallas, TX

Most insurance companies consider your credit score when determining your car insurance rate. Drivers with bad credit may be more likely to file a claim because they won’t be able to pay out-of-pocket for repairs. The following table shows the five cheapest car insurance companies in Dallas for drivers with bad credit.

Company

Rates for drivers with bad credit

State Farm

$2,916

Germania Insurance

$2,969

Redpoint County Mutual

$3,101

Nationwide

$3,110

Auto Club Group

$3,120

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Buying car insurance in Dallas, TX

The state of Texas requires car insurance in order to register a vehicle. Every registered vehicle must have:

  • $25,000 for property damage liability per accident

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

Insurance coverage has to be in effect throughout the time your vehicle is registered, even if you’re not driving it every day. The policy must also be issued under the same name as the vehicle registrant. 

How to get cheap car insurance in Dallas, TX

There are many ways to get cheap car insurance in Dallas, including:

  • Driving record: Avoid accidents and moving violations, including speeding tickets, to keep your rates low

  • Shop around: Compare rates from multiple insurance companies to see which offers the best price

  • Choose coverage carefully: Look at the coverage, including deductible amounts, and choose the best coverage for you needs (an expert can help with this)

  • Look for discounts: Car insurance companies offer a wide range of discounts, including savings for safe drivers and good students, and even professional discounts for groups including firefighters and teachers

  • Bundle your insurance: Consider getting policies for renters or homeowners insurance through the same carrier. This may get you a reduced rate on both policies.

Frequently asked questions

Who has the cheapest car insurance rates in Dallas?

According to our data, the cheapest car insurance companies for full coverage policies in Dallas are Texas Farm Bureau and State Farm.

How can I save on my car insurance in Dallas?

There are a few things you can do to save on car insurance costs. Avoid accidents and violations, keep a good credit score, and get quotes from multiple companies when you’re shopping in order to get the best rates.

Is Texas a no-fault state?

No, Texas is an at-fault state. This means that if one driver is determined to be at-fault for an accident, then that driver’s liability insurance will pay for the medical bills and expenses of the other party in the accident.

Does Texas require car insurance?

Yes, The State of Texas requires that all drivers have limits of at least $25,000 for property damage liability per accident, $30,000 for bodily injury per person, and $60,000 bodily injury per accident.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.