Car Insurance for Dallas in 2022

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Drivers in Dallas pay an average of $2,018 per year for car insurance, but you might find cheaper coverage if you shop around.

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There’s no shortage of places to go and things to do in Dallas, with its thriving arts scene and iconic historical landmarks. Maybe you’re off to the trendy neighborhood of Deep Ellum for craft beer and a live show, or headed to AT&T Stadium to cheer on the Dallas Cowboys and their famous cheerleaders. No matter where you drive, you’ll need car insurance.

NerdWallet has compiled average car insurance rates in Dallas to help you with your search. Use these averages as a baseline since premiums are customized to each individual. The best way to get the cheapest rate for you is to compare quotes from several insurers.

Read on to find out how auto insurance companies in Dallas stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

To find the cheapest companies in Dallas, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Dallas driving a 2019 Toyota Camry L.

Cheapest car insurance companies in Dallas

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Dallas, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

Company
Rate
NerdWallet Rating
Geico$1,384
NerdWallet rating 

4.5

/5
State Farm$1,476
NerdWallet rating 

5.0

/5
Nationwide$1,482
NerdWallet rating 

4.5

/5
USAA$1,577
NerdWallet rating 

4.0

/5
Republic Group$1,650Not yet rated
Esurance$1,716Not yet rated
Texas Farm Bureau$1,743
NerdWallet rating 

3.5

/5
Houston General$1,842Not yet rated
National General$2,068
NerdWallet rating 

3.0

/5
Redpoint County Mutual$2,072Not yet rated

If you’re looking for cheap car insurance in Dallas, Texas, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Dallas — or anywhere.

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Average car insurance cost in Dallas and Texas

Rates across Texas differ from those in Dallas for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Texas is $1,717, while in Dallas, it's $2,018.

Average city rate
Average state rate
$2,018$1,717

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Average cost of car insurance in Dallas’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Dallas and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP Code
Average Rate
75206$1,903
75211$2,049
75216$2,041
75217$2,066
75220$1,953
75227$2,064
75228$1,958
75231$1,908
75243$1,911
75287$1,753

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Cheap car insurance in Dallas by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in Dallas for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in Dallas pay, on average.

Company
Rate
NerdWallet Rating
USAA$2,471
NerdWallet rating 

4.0

/5
Texas Farm Bureau$2,788
NerdWallet rating 

3.5

/5
Geico$2,984
NerdWallet rating 

4.5

/5
State Farm$3,091
NerdWallet rating 

5.0

/5
Nationwide$3,542
NerdWallet rating 

4.5

/5
Houston General$3,637Not yet rated
Encompass$4,499
NerdWallet rating 

3.5

/5
Esurance$4,530Not yet rated
Chubb$4,837
NerdWallet rating 

4.5

/5
Republic Group$4,841Not yet rated

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in Dallas, according to NerdWallet’s analysis.

Company
Rate
NerdWallet Rating
Geico$1,384
NerdWallet rating 

4.5

/5
State Farm$1,476
NerdWallet rating 

5.0

/5
Nationwide$1,482
NerdWallet rating 

4.5

/5
USAA$1,577
NerdWallet rating 

4.0

/5
Republic Group$1,650Not yet rated
Esurance$1,716Not yet rated
Texas Farm Bureau$1,743
NerdWallet rating 

3.5

/5
Houston General$1,842Not yet rated
National General$2,068
NerdWallet rating 

3.0

/5
Redpoint County Mutual$2,072Not yet rated

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Dallas, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,237
NerdWallet rating 

4.5

/5
Nationwide$1,285
NerdWallet rating 

4.5

/5
State Farm$1,356
NerdWallet rating 

5.0

/5
Republic Group$1,416Not yet rated
USAA$1,424
NerdWallet rating 

4.0

/5
Texas Farm Bureau$1,454
NerdWallet rating 

3.5

/5
Esurance$1,491Not yet rated
Houston General$1,498Not yet rated
Redpoint County Mutual$1,720Not yet rated
Mercury$1,735
NerdWallet rating 

4.0

/5
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Dallas’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in Dallas by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Dallas according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,384
NerdWallet rating 

4.5

/5
State Farm$1,476
NerdWallet rating 

5.0

/5
Nationwide$1,482
NerdWallet rating 

4.5

/5
USAA$1,577
NerdWallet rating 

4.0

/5
Republic Group$1,650Not yet rated
Esurance$1,716Not yet rated
Texas Farm Bureau$1,743
NerdWallet rating 

3.5

/5
Houston General$1,842Not yet rated
National General$2,068
NerdWallet rating 

3.0

/5
Redpoint County Mutual$2,072Not yet rated

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in Dallas according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Esurance$1,716Not yet rated
Geico$2,083
NerdWallet rating 

4.5

/5
Republic Group$2,118Not yet rated
USAA$2,324
NerdWallet rating 

4.0

/5
Houston General$2,413Not yet rated
State Farm$2,475
NerdWallet rating 

5.0

/5
National General$2,508
NerdWallet rating 

3.0

/5
Mercury$2,696
NerdWallet rating 

4.0

/5
Nationwide$3,084
NerdWallet rating 

4.5

/5
Dairyland$3,134
NerdWallet rating 

2.5

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Dallas, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
State Farm$1,858
NerdWallet rating 

5.0

/5
Geico$2,048
NerdWallet rating 

4.5

/5
Republic Group$2,385Not yet rated
Nationwide$2,431
NerdWallet rating 

4.5

/5
USAA$2,478
NerdWallet rating 

4.0

/5
Texas Farm Bureau$2,904
NerdWallet rating 

3.5

/5
Houston General$3,102Not yet rated
Chubb$3,395
NerdWallet rating 

4.5

/5
Redpoint County Mutual$3,410Not yet rated
Esurance$3,807Not yet rated
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Minimum car insurance requirements in Texas

You’ll need at least Texas’ minimum-required coverage to drive legally. This is $30,000 in bodily injury liability coverage per person and $60,000 per accident, plus $25,000 in property damage liability coverage per accident. But you want higher limits, especially if you spend considerable time on the road, have a history of traffic or driving violations, or simply want more extensive financial protection.