Cheapest Car Insurance Quotes In Dallas, TX For 2024

In Dallas, State Farm provides the cheapest option, costing around $35 per month on average.

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Updated: 03 May 2024
Written by Bob Phillips
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When looking for the most affordable car insurance in Dallas, Texas, there are various options available, but State Farm stands out for its competitive pricing. On average, residents can get car insurance for about $35 per month, which is significantly lower than the state’s average of $125.

For those who prioritize budget-friendly liability-only coverage, State Farm is the top choice. Conversely, drivers looking for broader protection will find that State Farm offers the most cost-effective rates for full coverage policies, priced at $85 per month. Moreover, State Farm provides the lowest rates for young drivers, at $92 per month.

Cheapest Car Insurance Companies In Dallas, TX

Cheapest Car Insurance, Dallas, TX

Our Methodology

After thoroughly analyzing customer service ratings, product options, pricing, and extensively reviewing various online platforms and user feedback, I've gained a deep understanding of the car insurance provider landscape in Dallas, Texas. My expertise stems from over 15 years of hands-on involvement in the industry as a licensed insurance agent. It involves in-depth interactions with representatives from different companies and insights derived from firsthand experiences.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Dallas, TX?

State Farm offers the most affordable car insurance in Dallas, TX, starting at $138 per month.

When compared, as shown in the table below, its rates are significantly lower than the average rates in both Texas and the United States overall:

Area Average Monthly Rate
National $143
Texas $125
Dallas, TX $138

It’s crucial to acknowledge that the average national cost takes into account a wide range of states, from high-cost ones like New York, New Jersey, and California to low-cost ones like Mississippi, Kentucky, and Wyoming. Rates vary based on location due to factors such as vehicle type, coverage amount, zip code, driving history, and other factors.

Cheapest Car Insurance Rates In Dallas For Teenagers

In Dallas, young drivers can find the most affordable insurance quotes from Nationwide, with average monthly premiums of $107.

Provider Average Monthly Cost Average Annual Cost
State Farm $129 $1,542
GEICO $163 $1,958
Nationwide $107 $1,291
Progressive $278 $3,340
Allstate $453 $5,438

Teenage drivers typically face the highest car insurance premiums due to their limited experience on the road. Insurance companies consider these young drivers a high-risk group because statistically, they are more likely to be involved in accidents and commit traffic violations.

Cheapest Car Insurance Rates In Dallas For Young Adults

In Dallas, State Farm offers the most budget-friendly quotes for young adults, with average rates around $92 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $92 $1,102
Nationwide $127 $1,522
Mercury $130 $1,558
Allstate $120 $1,438
Chubb $210 $2,518

In Texas, young adult drivers typically experience lower car insurance rates compared to teenagers. This variance in pricing is linked to the development of driving habits and a corresponding decrease in risk-taking behaviors as drivers mature.

Statistically, young adults are less inclined to file claims with insurance companies, indicating a decrease in accident involvement. Consequently, insurers lower premiums, recognizing the improved safety records and reduced likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Dallas For Full Coverage

In Dallas, State Farm provides the most competitive rates for full coverage car insurance. On average, their quotes are $85 per month.

Provider Average Monthly Cost Average Annual Cost
Progressive $156 $1,870
GEICO $104 $1,246
Mercury $94 $1,126
Allstate $90 $1,078
State Farm $85 $1,020

Full coverage car insurance extends beyond the basic coverage mandated by law and usually includes comprehensive and collision coverages.

Comprehensive coverage safeguards against non-collision incidents like theft, vandalism, or natural disasters, while collision coverage addresses vehicle damages resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Dallas For Minimum Coverage

In Dallas, State Farm provides the most budget-friendly car insurance rates for minimum coverage, averaging around $35 per month.

Provider Average Monthly Cost Average Annual Cost
GEICO $56 $670
Mercury $40 $487
State Farm $35 $418
Allstate $38 $454
Texas Farm Bureau $40 $487

In Texas, a minimum car insurance policy should include at least the following:

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

Minimum car insurance provides some protection while driving, but it doesn’t include collision or comprehensive insurance. Therefore, damages to your own vehicle in accidents or incidents like theft and natural disasters won’t be covered.

Additionally, driving without insurance is against the law in Texas. Not showing proof of insurance during a traffic stop can result in penalties such as fines, license suspension, or more severe repercussions.

Cheapest Car Insurance Rates In Dallas For Seniors

In Dallas, Texas Farm Bureau provides the most economical car insurance rates for seniors, with average quotes totaling $60 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $60 $718
GEICO $103 $1,234
State Farm $62 $742
Mercury $100 $1,198
Allstate $80 $958

In Texas, many seniors may experience favorable car insurance rates influenced by several beneficial factors. While age often plays a role in insurance rate calculations, with older age sometimes linked to decreased driving ability, this stereotype doesn’t universally apply to all seniors.

Cheapest Car Insurance Rates In Dallas For Good Drivers

In Dallas, good drivers can obtain the most cost-effective car insurance quotes from State Farm, averaging approximately $35 a month.

Provider Average Monthly Cost Average Annual Cost
GEICO $56 $670
Mercury $40 $487
State Farm $35 $418
Allstate $38 $454
Texas Farm Bureau $40 $487

In Dallas, drivers with clean records typically receive lower car insurance rates because they are viewed as lower risk. Insurance companies examine driving records to assess a person’s driving safety. Fewer incidents, like accidents or traffic violations, suggest that the driver is careful and less likely to file a claim.

Insurers set their rates based on the probability of a driver making a claim. Therefore, a flawless driving record can lead to significant savings on premiums. It boils down to risk assessment – the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.

 

Cheapest Car Insurance Rates In Dallas For Drivers With Prior Incidents

In Dallas, drivers with records of traffic violations such as accidents, speeding, or DUIs often face difficulties in obtaining affordable car insurance. These driving infractions lead insurance companies to categorize them as high-risk drivers, anticipating a greater likelihood of filing future insurance claims.

Consequently, insurance providers raise their rates for these individuals to counterbalance the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Dallas For Drivers With A Speeding Ticket

State Farm provides highly competitive rates compared to other companies, averaging around $68 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $68 $814
Mercury $138 $1,654
Geico $122 $1,462
Allstate $88 $1,054
Chubb $140 $1,703

Cheapest Car Insurance Rates In Dallas For Drivers With An At-Fault Accident

For drivers with an at-fault incident, State Farm offers the most budget-friendly car insurance quotes, averaging approximately $85 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $85 $1,018
Nationwide $160 $1,954
GEICO $148 $1,774
Progressive $175 $2,126
Texas Farm Bureau $100 $1,209

Cheapest Car Insurance Rates In Dallas For Drivers After A DUI

For drivers with a DUI in Dallas, State Farm provides the most budget-friendly rates, with average monthly premiums of $125.

Provider Average Monthly Cost Average Annual Cost
State Farm $125 $1,498
Chubb $262 $3,142
Progressive $175 $2,198
Geico $190 $2,278
Allstate $150 $1,798

Best Car Insurance Companies In Dallas

When choosing a car insurance company in Dallas, drivers need to strike a balance between affordable rates and dependable protection while on the road. Below are the top 10 car insurance companies in Dallas, TX, ranked by the average monthly rate they offer:

Company Monthly Premium
Texas Farm Bureau $97
Clearcover $164
USAA $142
Direct Auto $115
Mercury $187
Kemper $147
SafeAuto $128
State Farm $116
Mercury $178
Nationwide $170

Average Car Insurance Rates By Age In Dallas

Age Average Yearly Rate
Teenagers $4,072
20s $2,338
30s $1,582
40s $1,500
50s $1,416
60s $1,404
70s $1,608

Age plays a significant role in determining car insurance rates. Typically, younger drivers, including teenagers and young adults, face higher insurance premiums due to their limited experience and statistically higher likelihood of accidents and traffic violations. However, as drivers reach the age of 25, their rates usually start to decrease, assuming they maintain a clean driving record.

The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies use age as a factor to evaluate driving experience and risk potential, thereby influencing the cost of premiums.

Average Car Insurance Rates By Vehicle Type In Dallas

Vehicle Average Monthly Rate
Honda Civic $347
Lexus RX $64
Toyota Prius $208
Toyota Camry $938

The type of vehicle you drive has a significant impact on your car insurance costs. Insurance companies take into account factors like the make, model, year, and body type of the car. Generally, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

On the other hand, older cars or those that are less expensive to repair or replace may result in lower premiums. Insurers consider these factors because they directly impact the potential cost of claims. For instance, repairs for a high-end car typically cost more than for a standard vehicle. Furthermore, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

 

How Much Is Car Insurance For Other Cities In Texas?

City Average Monthly Rate
Killeen $116
Sherman $108
San Antonio $127
Arlington $130
Laredo $150
Abilene $105
Fort Worth $123
Baytown $140
El Paso $122
Houston $148

The city where you reside has a significant influence on your car insurance rates. Insurance companies take into account various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates. These risks are generally higher in urban areas, which can result in higher premiums.

FAQs

Who has the lowest car insurance rates in Dallas?

State Farm offers the most competitive car insurance rates in Dallas for both the minimum coverage required by the State of Texas and full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Dallas?

The average cost of car insurance in Dallas is approximately $138 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant considerations.

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