Buy Cheap Dallas, TX Auto Insurance
The cheapest Dallas, TX auto insurance company is USAA, with rates averaging $236 per month or $2,842 annually. However, only military personnel can use USAA. The next cheapest car insurance company in Dallas is State Farm. Dallas, TX auto insurance must meet the state minimum requirements of 30/60/25 for liability coverage. Compare cheap Dallas, TX auto insurance quotes online to get your best prices.
Compare Quotes Now
Secured with SHA-256 Encryption
UPDATED: Mar 30, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
- The cheapest Dallas, TX auto insurance company is USAA, followed by State Farm.
- High levels of traffic congestion and auto theft rates impact your Dallas, TX auto insurance costs.
- Dallas has some of the highest auto insurance rates in Texas, alongside Houston.
Due to high traffic congestion levels, Dallas auto insurance rates are some of the most expensive in the state of Texas, along with Houston.
You can find cheap Dallas, TX auto insurance rates by comparing quotes from multiple companies and seeking out discounts.
Read through our guide to compare auto insurance prices from companies in Dallas, and secure cheap rates regardless of your age, driving record, or coverage needs.
When you’re ready to buy cheap Dallas, TX auto insurance, compare quotes from reputable providers in your city by entering your ZIP code into our free tool above.
What is the cheapest auto insurance company in Dallas, TX?
The cheapest Dallas, TX auto insurance company is USAA. Rates average around $236 per month or $2,842 per year. However, if you’re non-military, you’ll have to look elsewhere.
State Farm offers the next lowest average auto insurance prices in Dallas and is available to everyone.
Below, check out a list of the top insurance companies in Dallas from cheapest to most expensive:
- USAA – $2,842.16
- State Farm – $3,514.46
- GEICO – $3,892.40
- Nationwide – $4,249.67
- Progressive – $5,127.88
- American Family – $6,354.16
- Allstate – $6,793.69
Many different factors influence your auto insurance costs, including your age, driving record, and the level of coverage you require.
Compare Dallas, TX auto insurance quotes from as many of the providers listed above as you can to determine which company truly is right for you.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
What auto insurance coverage is required in Dallas, TX?
Dallas residents must carry the Texas state minimum auto insurance requirements to drive on the roads legally.
Currently, Texas requires the following car insurance limits:
- $30,000 for injury or death for one person
- $60,000 for injury or death per accident
- $25,000 for property damage liability per accident
Texas is known as a tort state or an at-fault state. If you cause an accident, you must use your liability auto insurance to pay for the other driver’s damages.
However, we recommend drivers carry more than the state minimum coverage levels to be better protected.
What affects auto insurance rates in Dallas, TX?
Moderate traffic congestion and higher than average auto theft statistics heavily influence Dallas, TX auto insurance prices.
Data gathered by INRIX ranks Dallas as the 20th most congested city in the country.
According to City-Data, the average commute length for Dallas drivers is 25.9 minutes, almost equivalent to the nationwide average of 26 minutes.
The Federal Bureau of Investigation (FBI) recorded 7,913 auto thefts in Dallas in 2017.
That’s a rate of 591.2 vehicle thefts per every 100,000 people, much higher than the state average.
Dallas, TX Auto Insurance: The Bottom Line
Dallas, TX auto insurance rates are higher than other major cities in Texas, including Austin and San Antonio. However, the prices are lower than in Houston.
By comparison, auto insurance in Houston, Texas costs $6,255 annually on average.
You can find affordable Dallas, TX auto insurance by comparing multiple providers’ rates and earning auto insurance discounts.
Compare cheap Dallas, TX auto insurance quotes for free from reputable providers near you by entering your ZIP code into our insurance tool below.