The best car insurance in Dallas, TX
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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.
Nicole Wakelin
Automotive journalist