Car Insurance for Dallas in 2024

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Dallas drivers could pay an average of $3,472 per year for car insurance, but you might find a cheaper price by shopping around.

Isabel Contreras
By Isabel Contreras 
Edited by Ben Moore

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Car insurance in Dallas, Texas, costs an average of $3,472 a year for full coverage. But prices vary from one person to the next, and no one company is cheapest for everyone. That’s why it’s best to compare car insurance rates with different companies when shopping around.

To jump-start your auto insurance shopping journey, here’s a list of the cheapest companies we found in Dallas.

CategoryCheapest companyMedian annual rate
Clean driving historyGeico$1,606
After a DUIGeico$2,073
After an accidentState Farm$2,156
After a speeding ticketTexas Farm Bureau$1,696
Having poor creditGeico$1,987

Continue reading to find more companies offering cheap car insurance in Dallas, or check out the cheapest car insurance in Texas for more ideas.

To find the cheapest companies in Dallas, NerdWallet looked at average full coverage rates obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Dallas driving a 2021 Toyota Camry LE. Read our full methodology for more details.

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Cheap car insurance 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 March 2024 analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

CompanyMedian annual rate
Texas Farm Bureau$1,696
State Farm$1,881
Auto Club of SoCal$2,097
Geico$2,190
Allstate$2,966
Farmers$3,047
Germania$3,458
Progressive$3,491
Nationwide$3,712
USAA*$1,768

*USAA is only available to military, veterans and their families.

Average cost of car insurance 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. As the third-most populated city in the Lone Star state,

Texas Demographics. Texas Cities by Population. Accessed May 22, 2024.
Dallas is prone to tornadoes and has high rates of vehicle thefts, all of which lead to higher car insurance costs for residents.

According to NerdWallet’s analysis, the average rate in Texas is $2,966, while in Dallas it's $3,472.

Median city rateMedian state rate
$3,472$2,966

Average cost of car insurance in Dallas’ 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.

ZIPMedian rate
75217$3,823
75211$3,567
75228$3,572
75243$3,628
75227$3,647
75216$3,739
75287$3,104
75231$3,543
75206$3,297
75220$3,508

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.

AgeMedian annual rate
20$7,099
30$3,267
35$3,144
40$3,074
50$2,960
60$2,719
70$3,074

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 might pay, on average.

CompanyMedian annual rate
Texas Farm Bureau$2,622
Auto Club of SoCal$3,860
Geico$4,381
State Farm$4,600
Germania$6,287
Progressive$6,722
Farmers$7,268
Encompass$7,481
Allstate$8,063
USAA*$3,157

*USAA is only available to military, veterans and their families.

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.

CompanyMedian annual rate
Texas Farm Bureau$1,696
State Farm$1,881
Auto Club of SoCal$2,097
Geico$2,190
Allstate$2,966
Farmers$3,047
Germania$3,458
Progressive$3,491
Nationwide$3,712
USAA*$1,768

*USAA is only available to military, veterans and their families.

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.

CompanyMedian annual rate
Texas Farm Bureau$1,411
Geico$1,648
State Farm$1,718
Auto Club of SoCal$1,947
Farmers$2,328
Progressive$2,898
Allstate$2,966
Germania$2,968
Mercury$3,051
USAA*$1,507

*USAA is only available to military, veterans and their families.

Dallas’ cheapest car insurance 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.

CompanyMedian annual rate
Texas Farm Bureau$1,696
State Farm$1,881
Auto Club of SoCal$2,097
Geico$2,190
Allstate$2,966
Farmers$3,047
Germania$3,458
Progressive$3,491
Nationwide$3,712
USAA*$1,768

*USAA is only available to military, veterans and their families.

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.

CompanyMedian annual rate
Geico$2,453
State Farm$2,911
Auto Club of SoCal$3,307
Allstate$3,912
Progressive$4,123
National General$4,376
Mercury$5,663
Encompass$6,939
Foremost$7,006
USAA*$2,605

*USAA is only available to military, veterans and their families.

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.

CompanyMedian annual rate
State Farm$2,109
Texas Farm Bureau$2,743
Allstate$3,204
Auto Club of SoCal$3,278
Geico$3,640
Germania$4,486
Progressive$5,094
Chubb$5,962
Nationwide$6,088
USAA*$2,776

*USAA is only available to military, veterans and their families.

Drivers with a speeding ticket

The cost of being convicted of speeding usually doesn’t stop at the ticket you have to pay. Many car insurance companies increase rates for drivers with recent speeding tickets on record. This is especially true if you’ve had two or more offenses. But how much a single speeding ticket will increase insurance costs — if at all — will depend on your insurance company, driving record and more.

Here are the cheapest average rates for drivers with a single speeding ticket on record in Dallas, according to NerdWallet.

CompanyMedian annual rate
Texas Farm Bureau$1,696
Geico$1,723
State Farm$1,897
Auto Club of SoCal$2,652
National General$2,722
Progressive$2,875
Allstate$3,074
Chubb$3,430
Germania$3,583
USAA*$1,661

*USAA is only available to military, veterans and their families.

Cheap car insurance in Dallas for drivers with poor credit

Texas insurers use a credit-based insurance score to determine the likelihood you’ll file a claim. Your own credit score is likely a good indicator of your credit-based insurance score.

While rates on this page so far have been based on drivers with good credit, below you’ll find the cheapest average rates for drivers with poor credit in Dallas, according to NerdWallet.

CompanyMedian annual rate
Geico$1,987
Allstate$3,074
Auto Club of SoCal$3,083
Progressive$3,664
National General$3,680
Texas Farm Bureau$3,843
Nationwide$4,890
Mercury$4,926
Chubb$5,232
USAA*$2,945

*USAA is only available to military, veterans and their families.

How to get cheap car insurance in Dallas

If you’re looking to save money by getting the cheapest possible car insurance, here are six things you can try:

  • Compare quotes from multiple insurers. Use NerdWallet’s car insurance comparison tool to easily shop for cheap auto insurance online. You may find that you already have the best car insurance deal, but prices can change, so check roughly once a year.

  • Ask for discounts. You could save money from car insurance discounts you’re not taking advantage of. For example, maybe you work from home and don’t drive much. Mention that and you might get a low-mileage discount. Other common discounts are given for bundling car insurance with homeowners insurance, insuring multiple cars on the same policy and being a student.

  • Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. Even if you moved to a more expensive area for car insurance, shopping around can help you get cheaper coverage.

  • Raise your deductible. The higher your car insurance deductible, the more you pay out of pocket before insurance pays for a covered claim. The upside is that by raising your deductible, you’ll usually be able to lower your premium. Just make sure you have enough money set aside to cover the higher deductible if you ever get in an accident.

  • Revisit quotes after your driving record improves. Shop for cheap auto insurance quotes online three to five years after any accidents, tickets or moving violations. They may have dropped off your driving record.

  • Reconsider the car you drive. The type of car you drive affects how much you pay for auto insurance. For example, new and expensive cars tend to cost more to insure than older or less expensive cars, among other factors. Check out NerdWallet’s analysis of the cheapest cars to insure to see if your vehicle made the list.

Dallas car insurance requirements

If you want to drive legally in Dallas, you’ll need to at least meet the minimum requirements for insurance coverage in Texas.

With rare exceptions, Texas drivers are required to carry liability insurance. You’ll often see the minimum requirements written in shorthand as 30/60/25. This means in Texas you must buy at least:

  • $30,000 bodily injury/death liability coverage per person.

  • $60,000 bodily injury/death liability coverage per accident.

  • $25,000 property damage liability coverage per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

If you cause an accident, liability insurance kicks in to pay for others’ injury treatment and property damage, up to your limits. It doesn’t pay for your own injuries or vehicle repairs.

In many cases, the legal minimum insurance won’t be enough to cover costs if you cause an accident. If you total someone’s luxury car, for example, their repair costs could easily exceed a $25,000 ceiling. Any damage that surpasses your limits has to come out of your own pocket. That’s why for most drivers it’s wise to select higher limits, such as 100/300/50.

For greater financial protection on the road, consider full coverage insurance.

Here are the average rates for good drivers with minimum coverage in Dallas according to NerdWallet.

CategoryCheapest companyMedian annual rate
Clean driving historyState Farm$525
After a DUIProgressive$735
After an accidentState Farm$635
After a speeding ticketState Farm$530
Having poor creditGeico$800

Methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are average rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $50,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we used only rates for “good credit.”

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a speeding ticket, we added a single speeding ticket from within the last six months. 

  • For drivers with a DUI, we added a single drunken driving violation.

We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven.