Cheap Auto Insurance Quotes in Dallas, TX (2023)

Although investment in Dallas’s popular rapid transit system continues to increase, a great majority of workers still drive solo to and from their jobs. This means more cars and more accidents on Dallas roadways. Making sure they are protected with affordable car insurance is at the top of the list for any driving Dallasite.

The Dallas-Fort Worth area is one of the largest metropolitan areas in the United States—right up there with New York and LA. More than 95 percent of households there have at least one car on the road, which means getting around the streets safely depends heavily on making sure you have an auto insurance policy in place to protect you and your family.

Car Insurance in Dallas, TX

The average cost of Texas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Dallas, TX to find you the cheapest quotes in the area.

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• Cheap Car Insurance Texas

• Compare Car Insurance

Cheapest Car Insurance in Dallas, TX

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Dallas, TX

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Dallas. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Texas

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas^[1] are:

• $30,000 per person for bodily injury

• $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Dallas Car Insurance Rates by Driver Age

Want lower car insurance rates in Dallas? While you can control some factors that go into informing your insurance rates, age isn’t one of them. Dallas drivers in their 60s enjoy the lowest insurance rates, at an average of $215 per month. Because more accidents tend to happen in your 70s, however, this age group will see insurance rates rise nearly $40 to an average of $253 per month. Drivers in their 20s also have higher monthly premiums because they too are at a greater claims risk. Dallas drivers in their 20s can expect to pay an average of $332 a month to be on the road.

Dallas Car Insurance Rates by Driving and Accident History

Though Dallas may be the perfect place to live, no one is perfect in the Big D. Driving mistakes happen, and when they do, they can greatly impact the amount you pay in insurance. Dallas drivers with no violations on their record can expect to pay an average of $269 a month in insurance. Make a driving mistake, and it only goes up from there. While speeding or rolling through a stop sign will increase your monthly insurance rates to an average of $315 and $318, respectively, having an at-fault accident on your driving record can translate to an average monthly insurance premium of $325.

See More:

• High-risk Car Insurance Texas

• DUI Car Insurance Texas

Dallas Car Insurance Rates by Credit Tier

Dallas drivers know that many things go into calculating how much they pay for insurance, including their credit score. Because auto insurance rates are based on a driver’s calculated risk, it makes sense that creditworthiness is considered too. In Dallas, drivers with an excellent credit score pay $286 (on average) monthly to insure their ride. While your credit score may only change your insurance premiums by a minimal amount, everything adds up. Want to improve your credit score? Keep paying your bills on time—including your car insurance premiums.

See More: Bad Credit Car Insurance Texas

Find local Dallas agents

Dallas, TX DMV Information

Here in Dallas, you’ll want to visit a local county tax office to deal with any odds and ends related to car registration. The county tax assessor-collector offices provide most vehicle title and registration services, including registration renewals (license plates and registration stickers), vehicle title transfers, change of address on motor vehicle records, non-fee license plates (such as purple heart and disabled veterans license plates), disabled parking placards, copies of registration receipts, and temporary registration. Locations include North Dallas, South Dallas, Garland, Grand Prairie, Mesquite, and Oak Cliff, and residents are urged to complete their transactions online whenever possible. Some simple registration transactions can even be completed at their more than 80 Neighborhood Registration Locations inside grocery stores like Kroger, Tom Thumb, and Fiesta Mart.

Public Transportation in Dallas, TX

Dallas Area Rapid Transit (DART) gets you around Dallas, Texas, and 12 surrounding cities with an extensive network of DART light-rail, Trinity Railway Express commuter rail, bus routes, and paratransit services. The system moves more than 220,000 passengers per day across a 700-square-mile service area. With numerous expansion and alignment projects in the works, Dallas’s forward-looking transit system is readying itself to accommodate the nearly four million new residents expected by 2045. Rideshare options in Dallas include familiar pick-up options like Uber and Lyft and Dallas-launched ride option Get Me. As always, you can schedule a taxi virtually anywhere across the Dallas-Fort Worth metroplex. Of note: Dallas is one of Uber’s three initial launch markets for Uber Air. Keep your eye on the skies!

For more detailed Texas city level guides, check out these below.

• Average Cost of Car Insurance Rates in Texas

• DUI Car Insurance Rates in Texas

• High-Risk Driver Car Insurance Rates in Texas

• Texas Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Texas

How to get the best and cheapest car insurance in Dallas, TX

Though the constantly modernized public transit system is attractive to some, many are bent on getting around the metroplex on their own four wheels. This kind of independence is the same reason why drivers use Insurify to find their own best insurance rates among the hundreds of providers out there.

Most people just want to get around town on their own—even when driving in an area as large as Dallas. You can avoid the fares and fees associated with public transit, but you can’t get around making sure you have the kind of car insurance that will make you feel safe taking to the streets in your daily driver. That’s why Insurify is here—for drivers like you who want to get the best insurance coverage they can at the most affordable price.

FAQs - Dallas, TX Car Insurance