Best Car Insurance In Dallas, Texas

Getting the best car insurance in Texas can be expensive and Dallas is no exception. In fact, Dallas car insurance rates tend to be higher than the Texas average. However, do not despair! This does not mean that insuring your car is impossible: out there you can find very good deals that will help you save hundreds of dollars and we will show them to you right away.

And, we analyze what is the best car insurance in Dallas, TX so you can pay an affordable price for your insurance.

The Cheapest Car Insurance Companies in Dallas, Texas

To determine which car insurance company had the best prices for Dallas drivers, we surveyed eleven different insurance companies. The result? Our study shows that residents of this locality could find the most economical auto policy in GEICO. We also found that the average rate to access Dallas auto insurance with full coverage is $1,288.

Note: An option other than GEICO? Examine Progressive. It’s our second-lowest choice for car insurance in Dallas and only costs an additional $100 compared to GEICO’s top-of-the-list policies.

The numbers quoted in the graph above were obtained as follows. To conduct the survey, we developed a driver-specific profile: a 30-year-old male with a clean driving record and single-marital status.

Important: Keep in mind that the rates you would have to pay for car insurance will be determined by several factors, such as your age, the model of the vehicle and its cost, the state in which you live, the locality or neighborhood, gender, marital status, driving history and credit score. Therefore, the best way to discover the cheapest car insurance on the market is to start looking for quotes and compare them.

Top Cheapest Car Insurance in Dallas, Texas
StandCar InsuranceAverage annual rate
1GEICO$1,288
2Progressive$1,382
3Texas Farm Bureau$1,464
4State Farm$1,620
5Mercury$1,896
6Unitrin$2,052
7Encompass$2,353
821st Century$2,460
9MetLife$3,216
10Kemper Security$4,596
11Dairyland$4,704

Dallas Auto Insurance Price by Neighborhood

Dallas car insurance rates, as we said earlier, fluctuate depending on many factors. According to our study, the difference between neighborhoods could be up to $200 per year, depending on your location. Below, you can review the average car insurance rates for six Dallas neighborhoods, which are the ones we used to do this research.

NeighborhoodAverage annual car insurance rate
Lakewood$1,552
North Dallas$1,562
Cityplace / Uptown$1,591
Oak Lawn$1,625
Deep Ellum$1,718
Cadillac Heights$1,744

As you can see, Cadillac Heights, which is south of Dallas, is the most expensive neighborhood on the list, at least of all the locations we explored. In fact, if you look, it’s $200 more expensive than Lakewood. Of course: remember that even if you live in one of the neighborhoods with the most expensive car insurance in the entire city, you could still find good deals comparing several car insurance.

What are the best car insurance companies in Dallas, TX?

We’ve already seen the cheapest car insurers in Dallas, but which are the best? According to the J.D. Power survey (conducted in 2016), the Texas Farm Bureau was the insurer that obtained the highest ratings. Why? Let’s take a look.

According to our research, the Texas Farm Bureau scored the highest car insurer for claims processing speed. The only drawback we see to this insurer is that it is not the cheapest on the list.

In addition, in order to access auto insurance with them, you must first become a member. To do this, you will have to commit to paying an annual fee of $40.

Aren’t you very attracted to this option? Well, don’t worry! There are other car insurers you can go to, such as:

  • USAA. The best car insurer for claims.
  • GEICO. The best car insurer for price and convenience.
  • Texas Farm Bureau. The best insurer for militia members.

What about GEICO insurance?

There’s no denying that GEICO is the fastest and most affordable option for Dallas residents. At GEICO you can quote and buy your policy in less than 20 minutes and still get a pretty attractive rate. GEICO’s main problem is that after you file your first claim, you will have to pay a higher fee. And, this car insurer usually increases its prices by a higher percentage than its competitors when drivers have an accident in their driving history.
Now, on the other hand, USAA is probably the best auto insurer for people who are in the military or who have served. USAA did, in fact, come out very well in the JD Power survey and ranks second, just after Texas Farm Bureau. A plus? Well, USAA also offers great discounts for vehicles that belong to military bases or are parked in them.

In some cases, we noticed that USAA had lower rates than GEICO. For example, you may be able to get liability car insurance for as little as $450 annually and about $900 if you choose a comprehensive coverage policy.

One Determining Factor: Car Accidents in Texas

There is something you should know because it represents one of the factors why car insurance in Texas is not as cheap as you would like: car accidents. To give you an idea, between 2011 and 2015 there were 664 fatal car accidents in the city of Dallas alone, which made it one of the capitals with the highest risk of having an accident in the entire country. I-30 and I-35 were, in fact, the two roads on which the most deaths occurred during that time frame.

What are the most dangerous roads in Dallas?

As we mentioned earlier, there are certain roads in Dallas that tend to be the most dangerous in the city. In the following table, we leave you a count of the first five, at least according to the data reported between 2011 and 2015:

StandMotorwayNumber of fatal accidents (2011-2015)Percentage of drunk drivers
1I-302240.9%
2I-351540.0%
3US-1751526.7%
4I-201353.8%
5I-35 STEMMONS FWY1154.5%

On average, 31.6% of all fatal crashes in Dallas between 2011 and 2015 involved a drunk driver, which is a higher rate than other cities that report just 25% of car crashes with the same characteristics. Note that on highways like I-20, these fatal crashes accounted for more than half of all fatalities.

Minimum requirements for auto insurance in Dallas, TX. (Law 30/60/25)

In Texas, Law 30/60/25 specifies that drivers must have an auto insurance policy that covers bodily injury and property damage as follows:

  • $30,000 bodily injury liability per person.
  • $60,000 bodily injury liability per accident.
  • $25,000 property damage liability.

Drivers may be better off opting for higher, optional coverage, such as a collision and all-risk policy. In addition, they may also acquire additional personal injury protection. If your health insurance does not cover injuries sustained from a car accident, you should seriously consider choosing personal protection (PIP) for auto insurance.

How do we compare the quotes of the study?

In our study, what we did was collect the quotes of the different insurance companies taking into account 78 towns and cities in Texas, including Dallas. As we said earlier, to do this we created a profile of a male driver in his 30s who drives a Toyota Camry. To receive the quotes, we held the same parameters, such as marital status (single), a good credit score a clean driving record, and no accidents or fines.

The only parameter that changed was the zip code so you could know how prices varied depending on the neighborhood. The amount of coverage we use in the calculation is a bit higher than before.

In our study, what we did was collect the quotes of the different insurance companies taking into account 78 towns and cities in Texas, including Dallas. As we said earlier, to do this we created a profile of a male driver in his 30s who drives a Toyota Camry. To receive the quotes, we held the same parameters, such as marital status (single), a good credit score a clean driving record, and no accidents or fines.

The only parameter that changed was the zip code so you could know how prices varied depending on the neighborhood. The amount of coverage we use in the calculation is a bit higher than the state minimums to give the driver some margin for issues.

Type of coverageTexas MinimumStudy boundaries
Liability for bodily injury$30,000 per person$60,000 per accident$50,000 per person$100,000 per accident
Property damage$25,000 per accident$50,000 per accident
BI for Uninsured or Underinsured Drivers$50,000 per person$100,000 per accident
Uninsured or Underinsured Motorist Property$50,000 per accident
Comprehensive policy and collision$500 Deductible

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