Cheapest Car Insurance In Dallas, TX 2024
Texas Farm Bureau minimum coverage car insurance in Dallas costs $37 per month on average, the lowest available.
We’ve saved shoppers an average of $600 per year on their car insurance.
The search for budget-friendly car insurance in Dallas, TX, often uncovers a notable difference in rates.
Those in need of cheap liability-only coverage should turn to Texas Fram Bureau. State Farm stands out for offering great rates on full coverage, and State Farm again provides young drivers with the best pricing.
Cheapest Car Insurance Companies In Dallas, TX
Cheapest Liability-only Car Insurance In Dallas: Texas Farm Bureau
In Dallas, the cheapest rate for minimum coverage car insurance is from Texas Farm Bureau, at $37 per month on average.
The table provided below compares rates across multiple insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $37 | $450 |
| Allstate | $39 | $473 |
| Nationwide | $51 | $610 |
| Progressive | $53 | $635 |
| Chubb | $65 | $778 |
Cheapest Auto Insurance For Young Adults in Dallas: State Farm
The best rates for young adults in Dallas come from State Farm, with average quotes of $86 per month.
Below is a table where you can see the most budget-friendly auto insurance rates for young adults in Dallas.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $86 | $1,030 |
| GEICO | $108 | $1,290 |
| Nationwide | $123 | $1,478 |
| Chubb | $207 | $2,482 |
| Progressive | $166 | $1,996 |
Cheapest Full Coverage Insurance Rates In Dallas: State Farm
Dallas drivers can get the cheapest full coverage car insurance from State Farm, with an average monthly quote of $67.
The table outlines average quotes from affordable auto insurance companies in Dallas.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $67 | $805 |
| Allstate | $84 | $1,012 |
| Nationwide | $101 | $1,208 |
| GEICO | $92 | $1,099 |
| Progressive | $133 | $1,592 |
Cheapest Rates In Dallas For Teenagers: Nationwide
Nationwide stands out in Dallas for providing teenage drivers with the lowest average monthly premiums, at $180.
The table compares insurance companies with the lowest rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $180 | $2,160 |
| State Farm | $182 | $2,178 |
| Progressive | $341 | $4,089 |
| GEICO | $242 | $2,907 |
| Allstate | $595 | $7,144 |
Cheapest Car Insurance In Dallas For Good Drivers: Texas Farm Bureau
Texas Farm Bureau provides good drivers in Dallas with the cheapest car insurance, at an average rate of $37 per month.
Use the table below to find average quotes from affordable insurance providers if you’re a good driver.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $37 | $450 |
| Allstate | $39 | $473 |
| Nationwide | $51 | $610 |
| Progressive | $53 | $635 |
| Chubb | $65 | $778 |
Cheapest Car Insurance Rates For Seniors: State Farm
In Dallas, seniors looking for affordable car insurance will find State Farm offers the lowest rates at $62 a month on average.
In the table below, you’ll find average quotes from the most affordable car insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $62 | $734 |
| Allstate | $78 | $937 |
| GEICO | $90 | $1,079 |
| Mercury | $91 | $1,086 |
| Progressive | $128 | $1,538 |
Find affordable Dallas rates
Cheapest Rates In Dallas For Drivers After A DUI: Mercury
Mercury offers Dallas drivers with a DUI the lowest average monthly premiums, at $118.
In the table below, drivers in Dallas with a DUI can view the cheapest rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $118 | $1,412 |
| Allstate | $142 | $1,699 |
| Progressive | $150 | $1,804 |
| Texas Farm Bureau | $158 | $1,895 |
| Nationwide | $185 | $2,220 |
Cheapest Car Insurance In Dallas After A Speeding Ticket: Texas Farm Bureau
For Dallas drivers with a speeding ticket, Texas Farm Bureau’s average rate of $78 per month is among the most affordable options.
Use the table below to check out the average rates for drivers who have a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $78 | $940 |
| Allstate | $85 | $1,017 |
| Nationwide | $118 | $1,420 |
| Chubb | $103 | $1,238 |
| Progressive | $163 | $1,959 |
Cheapest For Drivers With After At-Fault Accident: State Farm
Drivers in need of affordable car insurance after an at-fault incident can turn to State Farm, with average quotes of $83 per month.
The following car insurance companies have the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $83 | $998 |
| Texas Farm Bureau | $130 | $1,565 |
| Nationwide | $151 | $1,815 |
| Chubb | $198 | $2,372 |
| Progressive | $208 | $2,497 |
How Much Is Car Insurance In Other Cities In Texas?
Where you reside can have a big impact on your car insurance premiums. Insurance providers assess risks tied to your location, such as the likelihood of accidents and theft, which are higher in cities, increasing your rates.
For Beaumont residents, car insurance costs are around $170 per month, compared to an average of $105 per month for drivers in Abilene.
| City | Average Monthly Rate |
| Austin | $158 |
| Corpus Christi | $165 |
| San Antonio | $161 |
| Arlington | $173 |
| Laredo | $150 |
| Abilene | $105 |
| Fort Worth | $169 |
| Beaumont | $170 |
| El Paso | $160 |
| Houston | $148 |
Best Car Insurance Companies In Dallas
The cheapest insurance in Dallas for drivers is offered by Texas Farm Bureau at $37 a month. State Farm and Allstate are also affordable, with monthly premiums of $38 and $39.
Here’s a list of the top 10 car insurance companies in Dallas, TX, ranked by their average monthly premiums.
| Company | Monthly Premium |
| Texas Farm Bureau | $37 |
| State Farm | $38 |
| Allstate | $39 |
| Nationwide | $51 |
| Progressive | $53 |
| Chubb | $65 |
| Mercury | $42 |
| AAA Texas | $49 |
| GEICO | $52 |
| Foremost | $68 |
| National General | $70 |
Average Cost Of Auto Insurance In Dallas – By Zip Code
Car insurance companies use zip codes to measure crime risk, leading to different rates for different areas.
You can consult the table below to find average insurance rates for various Dallas zip codes.
| Zip Code | Average Monthly Rate |
| 75211 | $105 |
| 75243 | $160 |
| 75254 | $179 |
| 75234 | $184 |
| 75231 | $192 |
Average Auto Insurance Rates In Dallas – By Age
Age significantly affects car insurance rates, with younger, inexperienced drivers facing higher costs. Teens may see premiums averaging $5,190 annually due to a higher risk of accidents.
At age 25, drivers typically start seeing reduced rates, given they have a clean driving record.
Drivers in their 50s and early 60s typically get the best insurance rates, as companies use age to evaluate driving risk and experience, affecting the cost of coverage.
| Age | Average Yearly Rate |
| Teenagers | $5,190 |
| 20s | $2,926 |
| 30s | $1,968 |
| 40s | $1,944 |
| 50s | $1,688 |
| 60s | $1,596 |
| 70s | $1,899 |
Average Rates In Dallas – By Vehicle
Your car’s type significantly affects your insurance costs. Insurers evaluate factors such as make, model, year, and design. Newer cars and luxury models, often loaded with advanced tech, tend to have pricier insurance.
You can reference the table below for average car insurance rates in Dallas by vehicle type.
| Vehicle | Average Monthly Rate |
| Toyota Highlander | $320 |
| Ford Explorer | $317 |
| Acura RDX | $190 |
| Toyota Avalon | $280 |
Find affordable Dallas rates
Our Methodology
Relying on a detailed analysis that includes customer service, pricing, product availability, and feedback from various online review sources, I’ve crafted a comprehensive view of Dallas, TX's car insurance market.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Dallas?
Texas Farm Bureau offers the lowest monthly premiums in Dallas for the minimum coverage required, while State Farm has the best rates for full coverage, covering both comprehensive and collision.
What is the average cost of car insurance in Dallas?
The average monthly rate for car insurance in Dallas is around $180, though the actual cost can vary based on your zip code, vehicle make, and driving history.
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