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Dallas Car Insurance

How much does car insurance cost in Dallas, TX? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Dallas?

The Dallas Fort Worth Metroplex is renowned for its five-star restaurants, spectacular cultural attractions and fantastic natural settings. Dallas is internationally known for its Arboretum and Botanical Garden, Arts District, and the Perot Museum of Arts and Sciences. Fort Worth has incredible tourist attractions including the Texas Motor Speedway, Sundance Square, and Stockyard National Historic District.

Although the area has the Dallas Area Rapid Transport system, you'll still need a car to explore all the venues across the city.

Are you a Dallas-Fort Worth resident that needs insurance coverage for your new ride? In this article, you'll learn about the basic insurance that you'll need to cover your vehicle in the Dallas-Fort Worth area.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Dallas typically pay around $118.62 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Texas $115.73
Dallas, Texas $118.62

Dallas, TX Best Car Insurance Companies

car insurance in Dallas

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in Dallas coming in around $110.03 per month. Other companies to consider if you live in Dallas is State Farm with an average cost of $115.26 per month and USAA which typically runs around $119.50 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Dallas.

RankCompanyAverage Monthly RateComparison State Average
1 Direct Auto $110.03-4.93%
2 State Farm $115.26-0.41%
3 USAA $119.503.25%
4 Clearcover $123.957.10%
5 Texas Farm Bureau Group $134.6516.35%
6 National General $172.0648.67%
7 Esurance $201.0773.73%
8 Mercury $206.4678.39%
9 Chubb $206.6578.56%
10 Mercury Insurance $226.1195.37%

How Much is Car Insurance in Dallas, TX?

how much is auto insurance in Dallas

Rates can vary from city to city. The residents of Austin typically pay $113.29 per month while people who live in Dallas will pay $118.58 per month on average. See what people pay for car insurance in other cities in Texas.

Texas CitiesMonthly Average Rate
Austin $113.29
Dallas $118.58
El Paso $106.92
Houston $137.57
San Antonio $118.68

Cheap Car Insurance in Dallas by Zip Codes

find cheap auto insurance in Dallas

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Dallas, TX ZIP CodeAverage Monthly Rate
75201$122.19
75202$108.42
75203$114.17
75204$121.19
75205$122.45
75206$112.01
75207$125.69
75208$114.42
75209$107.30
75210$125.78
75211$124.93
75212$128.91
75214$109.19
75215$114.51
75216$123.85
75217$118.60
75218$119.15
75219$120.14
75220$130.27
75221$153.00
75222$105.01
75223$126.70
75224$116.11
75225$108.11
75226$102.03
75227$125.61
75228$118.86
75229$112.74
75230$118.76
75231$115.30
75232$117.42
75233$109.24
75234$113.91
75235$119.77
75236$126.28
75237$112.74
75238$120.68
75240$115.12
75241$122.31
75242$52.67
75243$121.96
75244$130.71
75246$96.81
75247$126.25
75248$113.10
75249$114.47
75251$132.97
75252$110.48
75253$108.43
75254$115.76
75261$100.23
75270$125.84
75275$984.83
75287$109.26
75320$103.95
75374$133.65
75378$114.00
75379$94.98
75381$321.00
75390$161.26
75391$306.17
75392$123.05

Car Insurance Rates by Driver's Age Group in Dallas

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $285.39 per month in Dallas. Compare that to drivers in their 30’s who typically pay around $109.72 per month drivers in their 40s at $100.56 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$285.39
20s$140.75
30s$109.72
40s$100.56
50s$90.25
60s$95.36
70+$107.89

Cheapest Insurance for Teenage Drivers in Dallas

If you are teen in Dallas you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $195.81 per month. This is likely the most affordable option in Dallas. You might also want to consider Direct Auto and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$195.81
Direct Auto$245.09
State Farm$250.37
Mercury Insurance$292.50
Texas Farm Bureau Group$292.62

Cheapest Insurance for 20 Year-olds in Dallas

20 year-olds in Dallas might want to consider Direct Auto who, on average, offers car insurance rates around $126.21 per month. USAA , State Farm , Clearcover and Texas Farm Bureau Group are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Direct Auto$126.21
USAA$144.54
State Farm$146.81
Clearcover$148.19
Texas Farm Bureau Group$173.54

Cheapest Insurance for 30 Year-olds in Dallas

If you are in your 30s in Dallas our research has found that Direct Auto typically has the most affordable coverage coming in around $93.12 per month, followed by State Farm at $103.55 and USAA at $114.00.

CompanyAverage Monthly Rate
Direct Auto$93.12
State Farm$103.55
USAA$114.00
Texas Farm Bureau Group$124.02
Clearcover$129.87

Cheapest Insurance for 40 Year-olds in Dallas

On average, Direct Auto offers car insurance for 40 year-olds in Dallas for around $85.66 per month. If you are looking for affordable coverage, you may also want to consider State Farm or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$85.66
State Farm$99.94
USAA$105.12
Mercury Insurance$114.33
Clearcover$115.92

Cheapest Insurance for 50 Year-olds in Dallas

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Dallas we found that Direct Auto generally offers the most affordable coverage at $82.48 per month.

CompanyAverage Monthly Rate
Direct Auto$82.48
State Farm$93.77
USAA$96.73
Clearcover$97.97
Texas Farm Bureau Group$100.38

Cheapest Insurance for 60 Year-olds in Dallas

If you live in Dallas and you’re in your 60s, our data indicates that State Farm usually has the best rates at $88.00 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$88.00
Direct Auto$89.34
USAA$95.44
Texas Farm Bureau Group$101.78
Clearcover$109.16

Driver's Coverage Auto Insurance Rates in Dallas, TX

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Dallas, the average monthly rate for a driver who is currently insured is $111.21 while drivers who are not currently covered will pay around $122.90.

CoverageAverage Monthly Rate
Not Currently Insured $122.90
Currently Insured $111.21

Compare Recent Car Insurance Quotes in Dallas

auto insurance quotes in Dallas city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Dallas a driver of a 2018 Audi A4 can expect to pay around $137.10 per month while someone that owns a 2018 Audi A4 may pay around $143.57 per month. Check out the list of recent quotes in Dallas below.

VehicleAverage Monthly Rate
2018 Audi A4$137.10
2018 Audi A4$143.57
2018 Audi A4$124.86
2018 Audi A4$122.81
2009 Ford Fusion$33.72
2009 Ford Fusion$42.62
2009 Ford Fusion$35.62
2009 Ford Fusion$24.93
2015 Hyundai Sonata$134.78
2016 Mitsubishi Outlander Sport$113.03

FAQ's for Drivers in Dallas, TX

driver’s frequently asked question in Dallas

What is the Minimum Amount of Liability Coverage Required in the Dallas-Fort Worth area?

Texas law requires drivers to have 30/60/25 coverage for their vehicles.

  • Bodily Injury Liability: $30,000 per person and $60,000 total per accident

  • Property Damage Liability: $25,000 of coverage for property damage

  • Personal Injury Protection: $2,500 (unless you refuse this coverage)

  • Uninsured Motorist Bodily Injury: $30,000 per person and $60,000 per accident (unless you decline this insurance)

  • Uninsured Motorist Property Damage: $25,000

The minimum amount of coverage may not provide enough coverage during a major accident. If this happens, you could pay for these damages out of pocket. Consider buying additional coverage to protect yourself and your assets.

What is the Blood Alcohol Concentration (BAC) Limit in the Dallas-Fort Worth area?

Under Texas law, the state considers drivers as legally intoxicated when their blood alcohol concentration is 0.08 percent. Individuals also violate the law as soon drugs or alcohol affect their ability to drive, fly, or commandeer boats. The Department of Transportation says it's illegal for drivers to carry open containers of alcohol in their vehicles, even when they're not they're drunk.

Are you a Dallas/Fort Worth resident with a DUI on your records? If you have rising insurance rates, you can switch to a carrier with more affordable rates. Shop for the best car insurance quote using Smart Financial. We'll help find an insurer that's right for you.

Can I Register My Car without Insurance in Dallas-Fort Worth area?

No, you can't register your car without insurance in Texas. State law requires residents to prove they can pay for accidents when they're at fault. Drivers must buy auto liability insurance. It pays to repair or replace another driver's vehicle, damaged property, or medical expenses when you're at fault in an accident.

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Commute Time in Dallas, TX

26.8 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Dallas, TX

179

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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