Car Insurance for Dallas in 2023

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Drivers in Dallas pay an average of $2,842 per year for car insurance, but you might find cheaper coverage if you shop around.

By Andrew Marder 

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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.

CompanyRateNerdWallet Rating
State Farm$1,621
NerdWallet rating 

5.0

/5
Republic Group$1,647Not yet rated
Texas Farm Bureau$1,860
NerdWallet rating 

3.5

/5
Auto Club of SoCal$1,909Not yet rated
Geico$2,128
NerdWallet rating 

4.5

/5
Germania$2,393Not yet rated
Nationwide$2,536
NerdWallet rating 

5.0

/5
Chubb$2,768
NerdWallet rating 

4.0

/5
MetLife$2,901
NerdWallet rating 

4.5

/5
Encompass$2,910
NerdWallet rating 

4.0

/5

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.

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 $2,398, while in Dallas, it's $2,842.

Average city rateAverage state rate
$2,842$2,398

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 CodeAverage Rate
75217$2,969
75211$2,898
75228$2,879
75243$2,845
75227$2,943
75216$3,002
75287$2,525
75231$2,877
75206$2,675
75220$2,749

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.

CompanyRateNerdWallet Rating
Texas Farm Bureau$2,885
NerdWallet rating 

3.5

/5
Auto Club of SoCal$3,617Not yet rated
Geico$3,862
NerdWallet rating 

4.5

/5
State Farm$4,070
NerdWallet rating 

5.0

/5
Germania$4,617Not yet rated
Republic Group$4,815Not yet rated
Encompass$5,341
NerdWallet rating 

4.0

/5
Dairyland$5,985
NerdWallet rating 

3.5

/5
Chubb$6,143
NerdWallet rating 

4.0

/5
Nationwide$6,445
NerdWallet rating 

5.0

/5

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.

CompanyRateNerdWallet Rating
State Farm$1,621
NerdWallet rating 

5.0

/5
Republic Group$1,647Not yet rated
Texas Farm Bureau$1,860
NerdWallet rating 

3.5

/5
Auto Club of SoCal$1,909Not yet rated
Geico$2,128
NerdWallet rating 

4.5

/5
Germania$2,393Not yet rated
Nationwide$2,536
NerdWallet rating 

5.0

/5
Chubb$2,768
NerdWallet rating 

4.0

/5
MetLife$2,901
NerdWallet rating 

4.5

/5
Encompass$2,910
NerdWallet rating 

4.0

/5

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.

CompanyRateNerdWallet Rating
Republic Group$1,413Not yet rated
State Farm$1,485
NerdWallet rating 

5.0

/5
Texas Farm Bureau$1,548
NerdWallet rating 

3.5

/5
Auto Club of SoCal$1,769Not yet rated
Geico$1,917
NerdWallet rating 

4.5

/5
Nationwide$1,957
NerdWallet rating 

5.0

/5
Germania$2,051Not yet rated
MetLife$2,215
NerdWallet rating 

4.5

/5
Chubb$2,315
NerdWallet rating 

4.0

/5
Encompass$2,650
NerdWallet rating 

4.0

/5

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.

CompanyRateNerdWallet Rating
State Farm$1,621
NerdWallet rating 

5.0

/5
Republic Group$1,647Not yet rated
Texas Farm Bureau$1,860
NerdWallet rating 

3.5

/5
Auto Club of SoCal$1,909Not yet rated
Geico$2,128
NerdWallet rating 

4.5

/5
Germania$2,393Not yet rated
Nationwide$2,536
NerdWallet rating 

5.0

/5
Chubb$2,768
NerdWallet rating 

4.0

/5
MetLife$2,901
NerdWallet rating 

4.5

/5
Encompass$2,910
NerdWallet rating 

4.0

/5

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.

CompanyRateNerdWallet Rating
Republic Group$2,113Not yet rated
State Farm$2,485
NerdWallet rating 

5.0

/5
Geico$2,964
NerdWallet rating 

4.5

/5
Auto Club of SoCal$2,991Not yet rated
Dairyland$3,484
NerdWallet rating 

3.5

/5
Progressive$3,764
NerdWallet rating 

5.0

/5
National General$4,896
NerdWallet rating 

3.0

/5
Mercury$4,987
NerdWallet rating 

4.0

/5
Encompass$5,036
NerdWallet rating 

4.0

/5
Nationwide$5,099
NerdWallet rating 

5.0

/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.

CompanyRateNerdWallet Rating
State Farm$1,997
NerdWallet rating 

5.0

/5
Republic Group$2,382Not yet rated
Auto Club of SoCal$2,970Not yet rated
Texas Farm Bureau$3,017
NerdWallet rating 

3.5

/5
Germania$3,097Not yet rated
Geico$3,229
NerdWallet rating 

4.5

/5
Nationwide$3,965
NerdWallet rating 

5.0

/5
Chubb$4,059
NerdWallet rating 

4.0

/5
Encompass$4,510
NerdWallet rating 

4.0

/5
Dairyland$4,658
NerdWallet rating 

3.5

/5

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.