Best Cheap Auto Insurance in Dallas, TX (2021)

The average Dallas, TX auto insurance rates are $390 per month. The minimum auto insurance in Dallas is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Dallas, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The most expensive auto insurance company in Dallas for teen drivers is Allstate
  • Average auto insurance rates in Dallas, TX for senior drivers are $2,837 per year
  • The average commute length in Dallas is 33.0 minutes

Dallas, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Dallas can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Dallas, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Dallas to other Texas cities, including Houston auto insurance rates, Plano auto insurance rates, and Fort Worth auto insurance rates to see how Dallas, Texas auto insurance rates stack up.

Before you buy Dallas, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Dallas, Texas auto insurance quotes.

Minimum Auto Insurance in Dallas, Texas

Dallas, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Dallas, Texas.

Minimum Required Auto Insurance Coverage in Dallas, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Dallas, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Dallas, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Dallas, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,419 $4,454 $4,365 $4,365 $11,618 $14,009 $5,452 $5,669
American Family $3,799 $4,238 $3,509 $4,036 $10,139 $13,345 $5,489 $6,279
GEICO $2,871 $3,104 $2,768 $3,147 $6,390 $6,636 $3,114 $3,109
Nationwide $2,646 $2,691 $2,334 $2,472 $7,599 $9,763 $3,118 $3,375
Progressive $2,753 $2,627 $2,436 $2,489 $11,391 $12,716 $3,276 $3,336
State Farm $2,440 $2,440 $2,178 $2,178 $5,924 $7,562 $2,658 $2,736
USAA $1,807 $1,807 $1,736 $1,710 $5,156 $5,580 $2,397 $2,544

Cheap Dallas, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Dallas, Texas is a challenge. Take a look at the annual teen auto insurance rates in Dallas, Texas.

Annual Auto Insurance Rates for Teen Drivers in Dallas, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,618 $14,009
American Family $10,139 $13,345
GEICO $6,390 $6,636
Nationwide $7,599 $9,763
Progressive $11,391 $12,716
State Farm $5,924 $7,562
USAA $5,156 $5,580

Cheap Dallas, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Dallas, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Dallas, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,365 $4,365
American Family $3,509 $4,036
GEICO $2,768 $3,147
Nationwide $2,334 $2,472
Progressive $2,436 $2,489
State Farm $2,178 $2,178
USAA $1,736 $1,710

Cheap Dallas, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Dallas, Texas compared to the annual auto insurance rates with a clean record in Dallas, Texas.

Annual Dallas, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,269 $8,155 $8,480 $5,269
American Family $5,782 $7,390 $6,462 $5,782
GEICO $3,297 $4,381 $3,639 $4,253
Nationwide $3,682 $3,682 $5,472 $4,163
Progressive $4,468 $5,769 $5,231 $5,044
State Farm $3,113 $3,583 $4,248 $3,113
USAA $2,109 $3,139 $3,698 $2,423

Cheap Dallas, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Dallas, Texas is not easy. Compare the annual rates for DUI auto insurance in Dallas, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Dallas, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,480
American Family $6,462
GEICO $3,639
Nationwide $5,472
Progressive $5,231
State Farm $4,248
USAA $3,698

Cheap Dallas, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Dallas, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Dallas, Texas

Insurance Company Poor Fair Good
Allstate $8,652 $6,321 $5,408
American Family $8,744 $5,512 $4,807
GEICO $6,030 $3,396 $2,251
Nationwide $5,105 $4,093 $3,551
Progressive $5,791 $4,983 $4,609
State Farm $4,971 $3,100 $2,473
USAA $4,158 $2,419 $1,949

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Cheap Dallas, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Dallas, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Dallas, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Dallas, Texas

ZIP Code Average Annual Rates
75201 $6,982
75202 $6,903
75203 $7,139
75204 $6,674
75205 $6,526
75206 $6,426
75207 $7,902
75208 $6,815
75209 $6,674
75210 $7,361
75211 $7,072
75212 $6,866
75214 $6,546
75215 $7,276
75216 $7,247
75217 $7,013
75218 $6,492
75219 $7,194
75220 $6,740
75223 $7,118
75224 $6,962
75225 $6,639
75226 $6,887
75227 $7,018
75228 $6,889
75229 $6,532
75230 $6,804
75231 $7,092
75232 $7,021
75233 $7,141
75234 $6,381
75235 $6,815
75236 $6,620
75237 $7,092
75238 $6,606
75240 $6,789
75241 $7,210
75242 $7,746
75243 $6,779
75244 $6,501
75246 $6,894
75247 $7,557
75248 $6,243
75249 $6,412
75251 $6,848
75252 $5,855
75253 $6,447
75254 $6,845
75260 $7,598
75270 $6,921
75287 $5,982
75342 $7,569
75398 $7,509

Cheap Dallas, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Dallas, Texas auto insurance. Find the cheapest annual Dallas, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Dallas, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,627 $6,960
American Family $6,354 $6,354
GEICO $3,821 $3,964
Nationwide $4,250 $4,250
Progressive $5,128 $5,128
State Farm $3,514 $3,514
USAA $2,806 $2,878

Cheap Dallas, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Dallas, Texas? Check out the comparison of annual Dallas, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Dallas, Texas

Insurance Company Low Medium High
Allstate $6,615 $6,727 $7,039
American Family $5,917 $6,121 $7,025
GEICO $3,691 $3,849 $4,138
Nationwide $4,581 $4,066 $4,102
Progressive $4,896 $5,105 $5,383
State Farm $3,318 $3,502 $3,723
USAA $2,731 $2,830 $2,966

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Best By Category: Cheapest Auto Insurance in Dallas, Texas

Compare the cheapest auto insurance companies in Dallas, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Dallas, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Dallas, Texas Auto Insurance Companies

What auto insurance companies in Dallas, Texas are the cheapest? Compare the top Dallas, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Dallas, Texas

Insurance Company Average Annual Rates
Allstate $6,794
American Family $6,354
GEICO $3,892
Nationwide $4,250
Progressive $5,128
State Farm $3,514
USAA $2,842

What affects auto insurance rates in Dallas, Texas?

There are a lot of reasons why auto insurance rates in Dallas, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Dallas, Texas. Many local factors may affect your Dallas auto insurance rates.

Dallas Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Dallas, Texas auto theft statistics, there have been 9,660 auto thefts in the city.

Dallas Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Dallas, Texas commute length is 33.0 minutes according to City-Data.

Dallas Traffic

How does Dallas, Texas rank for traffic? According to Inrix Dallas, Texas is the 63rd most congested worldwide.

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Compare Dallas, Texas Auto Insurance Quotes

Before you buy Dallas, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Dallas, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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