Dallas, TX Auto Insurance (2023)
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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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
| Dallas, TX, Statistics | |
|---|---|
| Population | 1,317,942 |
| Density | 3,848 people per square mile |
| Average Cost of Insurance in Dallas | $2,837.28 |
| Cheapest Car Insurance Company | USAA |
| Road Conditions | Poor: 21% Mediocre: 31% Fair: 20% Good: 28% |
- 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
Dallas seems to spend more time in traffic than the national average. To and from work, the average Dallas resident spends 26.6 minutes of their time commuting. The national average is 25.5 minutes.
When it comes to “super-commutes” (commutes that are 90 minutes or more each way), 2.01 percent of the Dallas workforce sits in traffic for a total of three hours per workday.
As to how Dallas workers get to work, 75.9 percent drive alone, and 11.7 percent carpool.
Dallas Traffic
How does Dallas, Texas rank for traffic? Traffic congestion seems to be a problem in Texas.
It is understandable. Texas is a big state.
In 2018, INRIX (a team of traffic experts) performed the largest global traffic study in history. This study analyzed congestion in over 1,360 cities in 38 counties.
Let’s take a look at the six cities that fare the worst for traffic congestion:
| City | Annual Hours Stuck in Traffic |
|---|---|
| Austin | 104 |
| Corpus Christi | 66 |
| Dallas | 76 |
| El Paso | 66 |
| Houston | 98 |
| San Antonio | 60 |
Dallas ranks number four on the list, with 76 hours lost to traffic congestion. The cost of congestion is $1,065 per driver.
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Is Dallas a good place for veterans?
We appreciate the military and the part they play in keeping the United States safe. They deserve every ounce of praise.
In this section, we will talk about the military and veteran population in Dallas.
The three most common service periods for veterans in Dallas are:
- Vietnam: 13,490
- Gulf War (2001-present): 9.673
- Gulf War (1990s): 5,842
Here are the bases located in or near Dallas:
- Naval Air Station – Fort Worth
- Sheppard Air Force Base
- Fort Hood
- Dyess Air Force Base
If you are current or former military in Dallas, good news. There are insurance providers who have military discounts:
- Allstate
- Farmers
- Geico
- Liberty Mutual (you must be on active duty)
- MetLife
- Safeco (for both active and retired)
- USAA (you, your spouse or your parents must be active or retired military to get USAA auto insurance)
Thank you for your service.
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.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a contract between a policyholder and an insurance company, providing financial protection against physical damage or bodily injury resulting from traffic accidents and other perils related to the insured vehicle.
Is auto insurance mandatory in Dallas, TX?
Yes, auto insurance is mandatory in Dallas, TX, as it is in most states. Texas law requires drivers to carry minimum liability insurance coverage to legally operate a motor vehicle.
What are the minimum auto insurance requirements in Dallas, TX?
In Dallas, TX, the minimum auto insurance requirements are known as 30/60/25 coverage. This means you must have at least $30,000 in bodily injury liability per person, $60,000 in bodily injury liability per accident, and $25,000 in property damage liability.
What does liability insurance cover?
Liability insurance covers damages and injuries you may cause to others in an accident for which you are legally responsible. Bodily injury liability covers medical expenses, lost wages, and pain and suffering of the other party, while property damage liability covers the repair or replacement costs of their damaged property.
Are there other types of auto insurance coverage available in Dallas, TX?
Yes, in addition to liability insurance, there are several other types of coverage available, such as:
- Collision coverage: Pays for damages to your vehicle resulting from a collision, regardless of fault.
- Comprehensive coverage: Covers damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
- Personal injury protection (PIP): Covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in an accident.
How are auto insurance premiums determined in Dallas, TX?
Auto insurance premiums are calculated based on various factors, including:
- Age and gender
- Driving record and claims history
- Vehicle make, model, and year
- Annual mileage
- Location (ZIP code)
- Credit history
- Coverage limits and deductibles
How can I find the best auto insurance rates in Dallas, TX?
To find the best auto insurance rates in Dallas, TX, consider the following steps:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a good driving record to qualify for lower rates.
- Bundle your auto insurance with other policies, such as homeowner’s insurance, to potentially receive a discount.
- Increase your deductibles if you can afford to pay more out of pocket in case of a claim.
- Ask your insurance agent about available discounts, such as safe driver discounts or multi-car discounts.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
