Cheapest Auto Insurance in Dallas, TX
Texas Farm Bureau has the most affordable car insurance in Dallas, at $107 per month, on average, for full coverage.
Compare Car Insurance Rates in Dallas, TX
Best cheap car insurance in Dallas, TX
Best and cheapest car insurance in Dallas, Texas
- Cheapest full coverage: Texas Farm Bureau, $107/mo
- Cheapest minimum liability: Texas Farm Bureau, $45/mo
- Cheapest for young drivers: Texas Farm Bureau, $87/mo
- Cheapest after a ticket: Texas Farm Bureau, $107/mo
- Cheapest after an accident: State Farm, $153/mo
- Cheapest for teens after a ticket: Texas Farm Bureau, $87/mo
- Cheapest after a DUI: State Farm, $139/mo
- Cheapest for poor credit: Allstate, $201/mo
Monthly rates are for full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Texas Farm Bureau and State Farm offer the best combination of affordable rates and reliable customer service in Dallas.
Cheapest car insurance in Dallas: Texas Farm Bureau
Texas Farm Bureau is the cheapest company for full coverage in Dallas, at $107 per month.
Full coverage from Texas Farm Bureau costs roughly half the citywide average.
USAA and State Farm also have affordable rates for full coverage, at $122 and $130 per month, respectively. Keep in mind, you can only get coverage through USAA if you are a current or former member of the military or a family member.
Find Cheap Auto Insurance Quotes in Dallas
Cheapest full coverage car insurance
Company | Monthly rate | |
|---|---|---|
| Texas Farm Bureau | $107 |
| State Farm | $130 |
| Geico | $187 |
| Allstate | $201 |
| Progressive | $255 |
*USAA is only available to current and former military members and their families.
Cheap liability insurance quotes in Dallas, TX
Texas Farm Bureau has the cheapest minimum liability car insurance quotes in Dallas, at $45 per month, on average.
That's 43% cheaper than the Dallas citywide average.
Dallas tends to have more expensive rates than Texas as a whole. Minimum liability coverage costs $67 per month, on average, in the Lone Star State.
But you can still save money by comparing car insurance quotes. A policy from Texas Farm Bureau would save you $1,620 per year compared to the most expensive auto insurance company in Dallas.
Best cheap liability car insurance in Dallas
Company | Monthly rate |
|---|---|
| Texas Farm Bureau | $45 |
| State Farm | $54 |
| Progressive | $68 |
| Geico | $75 |
| Allstate | $87 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Dallas
Cheapest car insurance for young drivers in Dallas: Texas Farm Bureau
Texas Farm Bureau has the most affordable car insurance in Dallas for teen drivers.
A policy from Farm Bureau costs an average of $87 per month for minimum liability for an 18-year-old driver or $181 for full coverage. That's roughly one-third and one-quarter of the citywide average, respectively.
Monthly car insurance rates for young Dallas drivers
Company | Liability only | Full coverage |
|---|---|---|
| Texas Farm Bureau | $87 | $181 |
| State Farm | $185 | $383 |
| Geico | $190 | $422 |
| Allstate | $288 | $632 |
| Progressive | $356 | $1,230 |
*USAA is only available to current and former military members and their families.
Teen drivers can save hundreds of dollars per year by sharing a policy with their parents.
If staying on your parents' policy isn't an option, ask your insurance company about common auto insurance discounts like student-away-from-home or good-student discounts.
Cheapest car insurance for people with a speeding ticket: Texas Farm Bureau
Texas Farm Bureau has the most affordable auto insurance in Dallas after a speeding ticket. A full coverage policy costs $107 per month, on average. That's less than half the city average.
Cheapest Dallas car insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| Texas Farm Bureau | $107 |
| State Farm | $130 |
| Allstate | $201 |
| Geico | $225 |
| Progressive | $339 |
*USAA is only available to current and former military members and their families.
Speeding tickets raise the average cost of insurance in Dallas by about 21%. Insurance companies tend to charge people with speeding tickets higher rates because they've found these drivers are more likely to file claims than drivers without speeding tickets.
Cheapest car insurance in Dallas after an accident: State Farm
State Farm has the best cheap auto insurance for Dallas drivers who have an at-fault accident on their record. A full coverage policy from State Farm costs $153 per month, on average. That's less than half the average rate in the city.
Texas Farm Bureau also has an affordable average rate, at $172 per month. That could mean a savings of almost $2,500 per year off the citywide average.
Cheapest car insurance in Dallas after an accident
Company | Monthly rate |
|---|---|
| State Farm | $153 |
| Texas Farm Bureau | $172 |
| Allstate | $216 |
| Geico | $306 |
| Progressive | $402 |
*USAA is only available to current and former military members and their families.
Cheapest quotes for teens after a ticket or accident: Farm Bureau
Farm Bureau also has the cheapest car insurance rates in Dallas for teens with a speeding ticket or an at-fault crash on their record.
A minimum coverage policy from Farm Bureau costs $87 per month for an 18-year-old driver with a single speeding ticket on their record.
After an accident, Farm Bureau's average minimum coverage rate increases to $125 per month. That's roughly one-third the Dallas citywide average.
Best cheap minimum coverage for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Texas Farm Bureau | $87 | $125 |
| State Farm | $185 | $209 |
| Geico | $213 | $282 |
| Allstate | $288 | $292 |
| Progressive | $362 | $369 |
*USAA is only available to current and former military members and their families.
Young drivers with an accident on their record pay much more for insurance. On average, an accident will cause an 18-year-old's insurance rates to go up by 48%.
Cheapest car insurance for Dallas drivers with a DUI: State Farm
State Farm has the cheapest rates for Dallas drivers with a recent DUI. The company charges $139 per month for full coverage. That's less than half the average overall rate of $293 per month.
Cheapest Dallas car insurance after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $139 |
| Texas Farm Bureau | $211 |
| Allstate | $264 |
| Progressive | $298 |
| Geico | $342 |
*USAA is only available to current and former military members and their families.
In Dallas, drivers who have a DUI pay 42% more than drivers without a DUI, on average.
Cheapest quotes for Dallas drivers with poor credit: Allstate
Allstate has the cheapest quotes for Dallas drivers with poor credit. A full coverage car insurance policy costs $201 per month for these drivers, on average. That's less than half the Dallas city average.
Cheapest car insurance for poor credit in Dallas
Company | Monthly rate |
|---|---|
| Allstate | $201 |
| Texas Farm Bureau | $242 |
| Progressive | $441 |
| Geico | $491 |
| Farmers | $744 |
*USAA is only available to current and former military members and their families.
Car insurance companies in Texas charge drivers with low credit scores higher rates than people with good credit scores. That's because companies believe people with lower credit scores are more likely to file an auto insurance claim, making them more expensive to cover.
In Dallas, drivers with poor credit scores pay more than twice as much as people with good credit scores for full coverage insurance.
Average car insurance cost in Dallas by neighborhood
Full coverage car insurance in Dallas tends to cost more if you live close to the city center.
Rates typically become more affordable the further out you live. For example, the cheapest ZIP code for car insurance in Dallas is in a suburban part of North Dallas, roughly 17 miles from the city center.
The neighborhoods with the most expensive rates are clustered near downtown Dallas.
Cost of car insurance in Dallas by ZIP code
ZIP | Monthly rate | % from average |
|---|---|---|
| 75098 | $186 | -8% |
| 75201 | $194 | -4% |
| 75202 | $195 | -3% |
| 75203 | $205 | 2% |
| 75204 | $193 | -4% |
Frequently asked questions
Who has the cheapest auto insurance in Dallas?
Texas Farm Bureau has the cheapest auto insurance in Dallas for most drivers. A full coverage policy costs $107 per month, on average. That's roughly half the citywide average of $207 per month.
Who has the best car insurance in Dallas?
State Farm has the best service among major car insurance companies in Dallas with the exception of USAA. You can only buy a USAA auto policy if you or a family member is a current or former member of the military.
What is the average cost for car insurance in Dallas, TX?
A full coverage car insurance policy in Dallas costs $207 per month, on average, and a minimum coverage policy costs an average of $79 per month.
Methodology
To find the best cheap car insurance in Dallas, TX, ValuePenguin collected quotes from seven of the most popular insurance companies in Texas. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus higher liability limits than the state requires.
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000 per person, $100,000 per accident |
| Property damage liability | $25,000 per accident |
| Personal injury protection | $10,000 |
| Uninsured and underinsured motorist bodily injury | $50,000 per person, $100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from public insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
