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.

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Sara Routhier, Director of Outreach and Managing Editor of Features, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overw...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Mar 30, 2021

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A Concise Overview

  • 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.

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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.

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