Fred Loya offered the cheapest full coverage insurance at $104 per month.

Dallas is the third-most populous city in Texas, so drivers generally pay more for auto insurance. The average rate for minimum coverage in Texas is $926 per year, but drivers in Dallas pay $215 more — $1,141 on average.

Cheapest for minimum liability

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Cheapest for young drivers

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Rates vary significantly from driver to driver, depending on factors like your credit score and driving history. Be sure to get quotes from at least three insurers.

Cheapest auto insurance in Dallas: State Farm

The cheapest quote overall comes from State Farm, which charges Dallas drivers an average of $680 annually. That's $461 cheaper than the city average of $1,141. Fred Loya came in a close second, charging just $47 more per year, or about $4 more per month. Nationwide also offered comparatively affordable minimum coverage, at $1,045 per year, or $87 per month.

From a cost perspective, a minimum coverage policy might seem attractive, but bear in mind that lower rates come with less coverage. If you get into an accident, you'll be fully financially responsible for repairs to your own car and your own medical bills.

Insurer		Annual Cost
	USAA	$532*
	State Farm	$680
	Fred Loya	$727
	Nationwide	$1,045
	Geico	$1,080

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*USAA is only available to current and former military members and their families.

Cheapest full coverage car insurance in Dallas: Fred Loya

If you're a Dallas driver looking for affordable full coverage, be sure to get quotes from State Farm and Geico, as well. Both charge more than Fred Loya, but they have stronger customer service reputations.

Members of the military and their families should call USAA for a quote. At $1,464 annually, USAA had the second-cheapest full coverage insurance of the nine companies in our study.

While minimum coverage only covers the other driver's damages or injuries, full coverage ensures that your car is protected, as well. It includes collision and comprehensive coverage.

Cheap car insurance for drivers with prior incidents

Insurers raise premiums for drivers they deem high risk. Factors that can increase your risk rating include having an accident, a DUI or a speeding ticket on your driving record, as well as having a low credit score.

Cheapest car insurance in Dallas after an accident: Fred Loya

While Fred Loya offered the cheapest rates overall, State Farm increased rates the least. Rates for a driver with an at-fault accident were just $270 more per year than for a driver with a clean record. The average rate among all the insurers in our study increased by a whopping $1,791 after an at-fault accident — a 58% jump.

Cheapest car insurance for people with a speeding ticket: Fred Loya

Speeding tickets raised the average cost of insurance in Dallas by $228 — not nearly as much as the increase after an at-fault accident ($1,791) or a DUI ($2,201).

Together, these insurers cost 43% less than the average cost of insurance for drivers with a speeding ticket, which is $3,339.

Insurance from MetLife, the most expensive insurer in our study, was $4,486 more expensive than insurance from Fred Loya, the cheapest insurer in our study. Differences like this underscore just how important it is to compare quotes before you purchase an auto insurance policy.

Cheapest car insurance for drivers with a DUI: Fred Loya

Driving under the influence (DUI) is a serious offense — so serious, in fact, that the insurers in our study raised average rates by 71%.

Cheapest car insurance for drivers with poor credit: Fred Loya

While your credit score does not impact your ability to drive safely, it does impact your auto insurance rates.

ValuePenguin's analysis found that auto insurance for Dallas drivers with low credit scores cost $3,859 per year on average — $1,275 more than annual premiums for drivers with average credit and $1,863 more than annual premiums for drivers with very good credit.

Cheapest car insurance for married drivers: Fred Loya

Married drivers statistically get into fewer accidents than single drivers do, so many insurers charge them lower rates. We found that rates for married drivers in Dallas were 10% less expensive than rates for single drivers.

Cheapest car insurance for young drivers: Fred Loya

Full coverage for our sample 18-year-old driver was 163% higher on average than full coverage for our 30-year-old-driver. To offset costs, young drivers should stay on their parents' policy if they can.

That's nearly 60% cheaper than the Dallas city average, which is $8,171.

Another option is to purchase minimum coverage. However, ValuePenguin does not typically recommend this approach. Young drivers are generally more accident prone and more likely to benefit from the added protection that comes with full coverage.

Best auto insurance companies in Dallas, Texas

To learn more about how these different insurers ranked for customer service, check out our Texas car insurance analysis.

Average car insurance cost in Dallas, by ZIP code

Your auto insurance premiums depend on your location — sometimes down to your ZIP code. Crime rates and population density can increase risk and cause insurers to raise rates.

The most expensive ZIP code in Dallas, 75398, had average annual premiums that were $294 more expensive than in the least expensive ZIP code, 75098.

Auto theft statistics in Dallas

Methodology

We collected data from nine of the largest insurers in Texas. Our sample driver was a 30-year-old man who drove a 2015 Honda Civic EX and had average credit.

Unless otherwise noted, we gave our sample driver the following coverage limitations:

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. Rates were publicly sourced from insurer filings and should be used for comparative purposes only; your own quotes could differ.