Cheapest Auto Insurance in Dallas, Georgia (2026)
Auto-Owners offers the cheapest car insurance in Dallas, with minimum-coverage policies as low as $92 per month.
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Written byElizabeth Rivelli
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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Table of contents
Around 15,000 people live in Dallas, Georgia, an exurb of Atlanta. The overall average cost of car insurance in Dallas is $229 per month, more than the national average of $136.
Dallas residents may face expensive auto insurance rates for a few different reasons. Though it has a fairly small population, the city has a relatively high population density of around 1,900 people per square mile.[1] The regularity of severe weather in Georgia also contributes to expensive auto rates in the state, due to the risk for potential damages.
Here’s what you need to know about finding cheap car insurance in the Dallas area.
Quick Facts
Auto-Owners, State Farm, and COUNTRY Financial are the three cheapest car insurance companies for Dallas drivers.
Dallas drivers pay an average of $269 per month for full coverage and $189 for liability coverage, according to Insurify data.
Because Georgia is an at-fault state, the driver responsible for the accident must cover the other driver’s damages.[2]
3 of the cheapest car insurance companies in Dallas, Georgia
Drivers in Dallas, Georgia, have a number of quality options when it comes to finding affordable car insurance. But the best car insurance company looks different for everyone because insurers consider your driving record, age, location, vehicle, and credit history. Comparing a few companies can help you find the best insurer for your needs.
Below, you can see some of the best car insurance companies in Dallas and what they stand out for.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $127 | $89 | Cheap rates |
| State Farm | 9.3 | $136 | $96 | Young drivers |
| USAA | 9.1 | $159 | $112 | Military families |
Disclaimer: Table data is based on real-time Dallas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $92/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $158/mo |
4.3
Best choice in Dallas, GABased on 323 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Dallas for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Dallas for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviews - See all 148 Auto-Owners reviews
Darryl
Verified Review
Insurance Shopping
Reviewed in Missouri on March 22, 2026
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
Norberto
Verified Review
Excellent
Reviewed in Florida on March 21, 2026
Definitely not the cheapest insurance you can buy.
Wayne
Verified Review
Cost too much for someone who never had a claim
Reviewed in Florida on March 2, 2026
Never had a claim.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners has the cheapest liability and full-coverage car insurance rates in Dallas. The company also offers policyholders a wide variety of discounts for additional savings. The company is also a good insurer if you want to customize your coverage. You can add endorsements like accident forgiveness, gap insurance, diminished value coverage, rental car coverage, and more.
Pros
Some of the lowest average rates for liability and full coverage in Dallas
Good variety of endorsements
Cons
Quotes not available online
Some poor customer reviews on Trustpilot
Best insurer for young drivers: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $99/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $169/mo |
4.0
Best choice in Dallas, GABased on 16,576 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Dallas for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Dallas for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Georgia reviews for Dallas drivers - See all 7,303 State Farm reviews
William
Verified Review
Bicket Blurb
Reviewed in Georgia on March 17, 2026
Too high a premium for us older folks with no accidents, tickets, or DUIs (not only in three years but EVER!)
Janice
Verified Review
The only time I hear from them is during renewal.
Reviewed in Georgia on March 16, 2026
They are too expensive.
Tom
Verified Review
Get your act together
Reviewed in Georgia on March 14, 2026
Very poor. I’ve had State Farm for years and I just bought a new Tesla, and they want to charge me an additional $100 on top of a rate increase at the beginning of the year. I’m definitely looking for another insurance company. I have no DUI, no accidents.
Milton
Verified Review
Shining Like the Sun!
Reviewed in Georgia on March 10, 2026
I have had a good experience with State Farm! Thanks!
Isaac
Verified Review
Excellent
Reviewed in Georgia on February 28, 2026
Very friendly and knowledgeable.
Cathy
Verified Review
Sadly, rates are beyond affordable!
Reviewed in Georgia on February 25, 2026
Insurance coverage itself is really good. However, rates have increased beyond what I can currently handle.
Robert
Verified Review
They raised their rates four times over a six-month period for no reason, and I have a perfect driving record for 40 years. They claim it's the type of car, but it's not a Ferrari. My Corvette was three times cheaper at $120.00 per month versus $130, then they raised it to $220 a month for the new car.
Reviewed in Georgia on February 24, 2026
They raised their rates four times over a six-month period for no reason, and I have a perfect driving record for 40 years. They claim it's the type of car, but it's not a Ferrari. My Corvette was three times cheaper at $120.00 per month versus $130, then they raised it to $220 a month for the new car.
Donnie
Verified Review
Disappointed Senior
Reviewed in Georgia on February 24, 2026
They charge too much for senior citizens. What happened to a discount and the price of $29.99?
Gary
Verified Review
High Priced
Reviewed in Georgia on February 22, 2026
Promising discounts with the Drive Safe module, but no discounts were added for safe driving. It costs too much.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is an excellent option for young drivers in Dallas. The company offers several discounts for student drivers — including the Steer Clear program and savings for good students, students away at school, and taking an approved defensive driving course. State Farm is also highly rated for overall customer satisfaction by J.D. Power.
Pros
Several discounts for young drivers
Excellent J.D. Power customer satisfaction rating
Cons
Fewer endorsements than some insurers
Gap insurance not available
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $116/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $198/mo |
4.9
Best choice in Dallas, GABased on 3,322 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Dallas for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Dallas for
Members of the military community
Outstanding customer service
Competitive rates
Showing 34 Georgia reviews for Dallas drivers - See all 1,518 USAA reviews
Angela
Verified Review
Rates change constantly
Reviewed in Georgia on March 26, 2026
The rates kept changing.
Edward
Verified Review
USAA Experience
Reviewed in Georgia on March 24, 2026
Outstanding customer service, but the price got too high.
Lance
Verified Review
USAA
Reviewed in Georgia on March 17, 2026
USAA isn't a low-cost insurance, but they have always offered me excellent customer service over the past 35 years.
Steve
Verified Review
USAA - Good Plans and Coverage
Reviewed in Georgia on March 8, 2026
Overall, I’m happy with USAA's plans and coverage, but I'm just looking for some cheaper options.
James
Verified Review
I'm happy with it.
Reviewed in Georgia on February 28, 2026
It's very good, I'm just looking for cheaper insurance with the same coverage.
Paul
Verified Review
Paul G
Reviewed in Georgia on February 23, 2026
Response to incidents is great. Prices continue to rise, making people look for alternatives.
Ken
Verified Review
USAA rate increase without explanation
Reviewed in Georgia on February 10, 2026
With no accidents or tickets in the last decade, our car insurance rates doubled with USAA after 5 years. Why? Couldn't tell you and couldn't get an explanation as to why either when I called them to inquire about the rate hike!
Laverne
Verified Review
Terrible Experience
Reviewed in Georgia on February 8, 2026
Terrible, they didn't make me whole on a NO FAULT accident and didn't go after the at-fault driver. They just paid me the wholesale book price for my 2-year-old vehicle!
Michael
Verified Review
Good and Inexpensive
Reviewed in Georgia on February 4, 2026
Good, cheaper than other quotes.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA sells insurance to active-duty, reserve, and retired military personnel, as well as select military family members. In addition to low rates, USAA also has lots of discounts. You can earn savings for being a good driver, garaging your vehicle on base, policy bundling, insuring a safe vehicle, and more. USAA also has high third-party ratings for overall customer satisfaction and financial strength.
Pros
Good selection of discounts
Great third-party ratings
Cons
Only available to military members and families
Gap insurance not available
How to get the cheapest car insurance in Dallas
Drivers in Dallas can save money on auto insurance in a number of ways. Here are some tips for getting the cheapest premium for your situation:
Bundle your policies. Most insurance companies offer a discount if you purchase car insurance with another insurance product, like homeowners insurance or renters insurance.
Take advantage of discounts. Most insurers offer a number of discounts. For example, you can sometimes save money on your annual premium if you pay up front and in full instead of in monthly installments.
Choose a high deductible. If you have a full-coverage insurance policy, choosing high deductibles for collision and comprehensive insurance will typically lower your premium.
Compare quotes. Car insurance companies charge different rates for the same type and amount of coverage. Comparing quotes from several insurers can help you find the cheapest company for your insurance needs.
Cheapest liability-only car insurance in Dallas: Auto-Owners
All vehicle owners in Dallas, Georgia, must carry a minimum amount of liability coverage. Personal liability insurance covers your legal and financial responsibilities if you cause an accident and are liable for the other driver’s bodily injuries or property damage. It doesn’t cover any of your medical expenses or vehicle repairs.[3] Liability-only policies in Dallas cost $189 per month, on average.
Minimum coverage is the cheapest type of car insurance available, but rates vary by insurance company. In the table below, you can see which Dallas car insurance companies have the cheapest rates for liability-only insurance.
The below rates in Dallas, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $92 |
| State Farm | $99 |
| COUNTRY Financial | $100 |
| Allstate | $108 |
| Mile Auto | $109 |
| USAA | $116 |
| Progressive | $142 |
| Mercury | $155 |
| Root | $178 |
| Bristol West | $187 |
| GEICO | $187 |
| GAINSCO | $190 |
| Clearcover | $193 |
| Direct Auto | $195 |
| The General | $211 |
| AssuranceAmerica | $213 |
| National General | $220 |
| Safeco | $223 |
| Trexis One | $225 |
| Mendota | $229 |
| Nationwide | $239 |
| First Acceptance | $241 |
| Trexis | $246 |
| Liberty Mutual | $397 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Dallas: Auto-Owners
Full-coverage insurance provides more protection than liability insurance. A standard full-coverage policy includes liability, collision, comprehensive, and medical payments coverage. If you have an accident, full-coverage insurance can pay for your losses. It also covers your vehicle repairs following non-collision incidents like vandalism, fire, and weather events. Dallas drivers pay an average of $269 per month for full coverage.
Here are the Dallas insurance companies with the cheapest full-coverage premiums.
The below rates in Dallas, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $158 |
| State Farm | $169 |
| COUNTRY Financial | $171 |
| Mile Auto | $175 |
| Allstate | $185 |
| USAA | $198 |
| Mercury | $245 |
| Root | $252 |
| Progressive | $256 |
| Safeco | $276 |
| Direct Auto | $313 |
| National General | $318 |
| Clearcover | $327 |
| GEICO | $331 |
| AssuranceAmerica | $333 |
| Bristol West | $348 |
| GAINSCO | $364 |
| Mendota | $389 |
| Trexis One | $399 |
| Nationwide | $408 |
| The General | $411 |
| Trexis | $432 |
| First Acceptance | $437 |
| Liberty Mutual | $447 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Dallas, Georgia
Drivers using Insurify have found quotes as cheap as $62/mo for liability only and $91/mo for full coverage in Dallas and other Georgia cities.
*Quotes generated for Insurify users in and around Dallas, Georgia within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Dallas, Georgia within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Dallas
Georgia drivers must carry a minimum amount of car insurance, including bodily injury and property damage liability.[4] Georgia is a tort, or fault, state. In the event of an accident, the at-fault driver’s auto insurer compensates the other driver for their resulting medical expenses and vehicle repairs.
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person $50,000 per accident |
| Property damage liability | $25,000 per accident |
In addition to the required liability coverage, Dallas drivers can also add optional coverages to their policy. You should consider the following insurance endorsements for more vehicle protection:
Collision
This policy kicks in to cover the cost of damage to your vehicle after an accident or collision with an object, regardless of fault.
Comprehensive
Following damage from a non-collision incident — such as fire, vandalism, or severe weather — this coverage protects you if you lease or finance your vehicle.
Gap insurance
You may want to consider gap insurance if you finance or lease your vehicle. If you total your car, gap insurance pays the difference between your car’s value and what you owe the lender.
Accident forgiveness
This coverage waives your first accident, so your rate won’t increase. Some insurance companies only sell this policy to people with a clean driving record.
Roadside assistance
Specifics depend on the company, but roadside assistance pays for basic roadside repairs if you get stranded. It often covers things like flat-tire changes, a new battery, fuel delivery, lockouts, and towing up to a certain distance.
Cheapest car insurance for drivers with an incident
Having any incidents on your driving record, including speeding tickets or at-fault accidents, can affect the cost of your auto insurance. People with these violations on their record usually pay higher rates for insurance because they pose a greater risk for companies to insure. More serious violations, like driving under the influence, typically have the biggest effect on cost.[5]
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Receiving a speeding ticket can cause your car insurance premium to increase. The actual rate increase depends on many factors, including your insurance company and your existing driving record. The average cost of car insurance for drivers with a speeding ticket in Dallas is $346 per month for full coverage and $243 for liability only.
In the table below, you can see which car insurance companies in Dallas have the cheapest average monthly liability-only rates for drivers with a speeding ticket.
The below rates in Dallas, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $92 | $122 |
| State Farm | $99 | $127 |
| COUNTRY Financial | $100 | $139 |
| Allstate | $108 | $143 |
| Mile Auto | $109 | $135 |
| USAA | $116 | $152 |
| Progressive | $142 | $183 |
| Mercury | $155 | $219 |
| Root | $178 | $240 |
| Bristol West | $187 | $238 |
| GEICO | $187 | $248 |
| GAINSCO | $190 | $230 |
| Clearcover | $193 | $253 |
| Direct Auto | $195 | $247 |
| The General | $211 | $286 |
| AssuranceAmerica | $213 | $274 |
| National General | $220 | $278 |
| Safeco | $223 | $297 |
| Trexis One | $225 | $289 |
| Mendota | $229 | $295 |
| Nationwide | $239 | $314 |
| First Acceptance | $241 | $310 |
| Trexis | $246 | $316 |
| Liberty Mutual | $397 | $512 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
If you have an at-fault accident on your driving record, your insurance premium will probably increase unless you have optional accident forgiveness. However, you won’t see the rate increase immediately. Most insurance companies review your driving record when your policy renews and adjust your premium accordingly. For Dallas drivers with an accident, the average cost of car insurance is $380 per month for full coverage and $267 for liability only.
Below, you can see which Dallas car insurance companies have the cheapest liability-only monthly rates for drivers with an at-fault accident.
The below rates in Dallas, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $92 | $126 |
| State Farm | $99 | $135 |
| COUNTRY Financial | $100 | $142 |
| Allstate | $108 | $150 |
| Mile Auto | $109 | $152 |
| USAA | $116 | $161 |
| Progressive | $142 | $200 |
| Mercury | $155 | $241 |
| Root | $178 | $246 |
| Bristol West | $187 | $254 |
| GEICO | $187 | $252 |
| GAINSCO | $190 | $252 |
| Clearcover | $193 | $290 |
| Direct Auto | $195 | $275 |
| The General | $211 | $300 |
| AssuranceAmerica | $213 | $293 |
| National General | $220 | $302 |
| Safeco | $223 | $322 |
| Trexis One | $225 | $318 |
| Mendota | $229 | $323 |
| Nationwide | $239 | $332 |
| First Acceptance | $241 | $340 |
| Trexis | $246 | $347 |
| Liberty Mutual | $397 | $546 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
A DUI is one of the most serious violations you can get. If you’ve been convicted of driving under the influence, you can expect your auto insurance premium to increase significantly. Depending on whether your current insurance company works with high-risk drivers, your insurer may not renew your policy. After a DUI, Dallas drivers can expect to pay an average of $328 per month for full coverage and $230 for liability only.
Shopping around for new car insurance quotes after a DUI could help you find a more affordable rate. Here are the cheapest car insurance companies in Dallas for drivers with a DUI.
The below rates in Dallas, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $92 | $124 |
| State Farm | $99 | $134 |
| COUNTRY Financial | $100 | $130 |
| Allstate | $108 | $146 |
| Mile Auto | $109 | $147 |
| USAA | $116 | $157 |
| Progressive | $142 | $173 |
| Mercury | $155 | $219 |
| Root | $178 | $241 |
| Bristol West | $187 | $253 |
| GEICO | $187 | $250 |
| GAINSCO | $190 | $257 |
| Clearcover | $193 | $261 |
| Direct Auto | $195 | $264 |
| The General | $211 | $285 |
| AssuranceAmerica | $213 | $288 |
| National General | $220 | $298 |
| Safeco | $223 | $322 |
| Trexis One | $225 | $274 |
| Mendota | $229 | $279 |
| Nationwide | $239 | $323 |
| First Acceptance | $241 | $294 |
| Trexis | $246 | $300 |
| Liberty Mutual | $397 | $537 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Senior drivers tend to pay higher car insurance rates than middle-aged adults. Premiums usually decrease around age 35 and increase again around age 70, according to Insurify’s internal rate data. But the cost of car insurance for seniors depends on other factors besides age, including your driving record, credit history, coverage limits, and chosen deductible. The average cost of car insurance for senior drivers in Dallas is $234 per month for full coverage and $165 for liability only.
Here are the cheapest car insurance companies for senior drivers in Dallas.
The below rates in Dallas, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $101 | $59 |
| State Farm | $105 | $61 |
| COUNTRY Financial | $109 | $64 |
| Mile Auto | $118 | $74 |
| Allstate | $125 | $73 |
| USAA | $138 | $81 |
| Mercury | $169 | $107 |
| Root | $184 | $130 |
| Progressive | $208 | $115 |
| National General | $209 | $145 |
| Direct Auto | $216 | $135 |
| GEICO | $216 | $122 |
| Safeco | $221 | $178 |
| AssuranceAmerica | $230 | $147 |
| Nationwide | $247 | $145 |
| Bristol West | $254 | $137 |
| Clearcover | $266 | $157 |
| GAINSCO | $290 | $151 |
| The General | $308 | $158 |
| Mendota | $315 | $186 |
| Liberty Mutual | $321 | $285 |
| Trexis One | $324 | $182 |
| Trexis | $350 | $199 |
| First Acceptance | $354 | $195 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: COUNTRY Financial
Teen drivers pay the highest rates for car insurance out of any age group. Newly licensed teens have higher accident rates than older drivers and lack experience on the road.[6] Auto insurers account for this added risk by charging more expensive rates. The average cost of car insurance for teen drivers in Dallas is $480 per month for full coverage and $337 for liability only.
Although teen drivers pay high insurance premiums, you can find ways to get cheaper car insurance. For example, many insurers offer discounts for students who get good grades in school and drivers who insure a safe car. Teens can also get cheaper car insurance by joining their parents’ existing car insurance policy.
In the table below, you can see which Dallas car insurance companies have the cheapest average monthly rates for teen drivers.
The below rates in Dallas, GA, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| COUNTRY Financial | $271 | $159 |
| Auto-Owners | $315 | $184 |
| State Farm | $325 | $191 |
| Mile Auto | $358 | $223 |
| Allstate | $363 | $212 |
| USAA | $364 | $213 |
| Root | $431 | $304 |
| Mercury | $450 | $285 |
| Progressive | $457 | $253 |
| Clearcover | $534 | $315 |
| Safeco | $552 | $446 |
| GEICO | $587 | $331 |
| Direct Auto | $597 | $372 |
| Bristol West | $616 | $331 |
| National General | $640 | $442 |
| GAINSCO | $659 | $344 |
| AssuranceAmerica | $687 | $439 |
| Mendota | $694 | $408 |
| Trexis One | $712 | $401 |
| The General | $714 | $366 |
| Trexis | $771 | $439 |
| First Acceptance | $779 | $430 |
| Liberty Mutual | $781 | $694 |
| Nationwide | $792 | $464 |
Disclaimer: Table data sourced from real-time Dallas car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Dallas may vary based on the policy buyer's unique driver profile.
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Dallas car insurance quotes by credit tier
Georgia car insurance companies use credit-based insurance scores. When you apply for a car insurance policy, the insurance company can check your credit history and use it to set your premium. In general, drivers with excellent or good credit pay lower rates than drivers with poor credit.
Below, you can see the average monthly cost of full-coverage car insurance in Dallas, Georgia, for drivers based on credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Dallas?
Car insurance in Dallas, Georgia, is much more expensive than the U.S. national average. The average Dallas driver pays $269 per month for full coverage and $189 for liability-only coverage. To compare, the average American driver pays $173 per month for full coverage and $99 for liability-only coverage.
Georgia drivers pay average rates of $239 per month for full coverage and $158 for liability only. Drivers in Georgia may pay higher rates due to the regularity of severe weather in the state and high traffic congestion in certain areas. Dallas also has a high population density in relation to the city’s relatively small population.
More cities in Georgia
Location is another factor that affects the cost of car insurance in Georgia. Depending on your city and ZIP code, you might pay more or less than the average rate in Dallas. For example, Insurify data shows that the overall average premium in Atlanta is $277 per month, higher than the average rate in Dallas. However, drivers in Marietta pay less on average than drivers in Dallas.
Below, you can see the average liability and full-coverage car insurance premiums in several other Georgia cities.
City | Liability Only | Full Coverage |
|---|---|---|
| Athens | $131 | $213 |
| Atlanta | $225 | $330 |
| Augusta | $148 | $228 |
| Columbus | $141 | $229 |
| Lawrenceville | $200 | $286 |
| Marietta | $190 | $268 |
| Savannah | $175 | $275 |
| Woodstock | $168 | $234 |
Disclaimer: Table data is based on real-time Dallas quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Dallas, Georgia, car insurance FAQs
Before shopping around for coverage, you should decide on the right amount of coverage for your insurance needs. The information below should help you navigate the process of finding cheap auto coverage in Dallas, Georgia.
How much is car insurance in Dallas, Georgia?
The overall cost of car insurance in Dallas, Georgia, is $229 per month. On average, drivers in the city pay $189 per month for liability coverage and $269 for full coverage.
Which companies have the cheapest car insurance in Dallas?
Auto-Owners has the cheapest car insurance in Dallas, with a monthly liability-only rate of $92. Other affordable insurers include State Farm and COUNTRY Financial, with liability rates of $99 and $100 per month, respectively.
But the cheapest car insurance company for you will depend on many factors, including your age, gender, ZIP code, driving history, and type of car you drive.
What are the best car insurance companies in Dallas?
The best car insurance company in Dallas is State Farm. The company has an Insurify Quality (IQ) Score of 9.3 out of 5 and an AM Best financial strength rating of A++ (Superior). Other top insurers include Auto-Owners, USAA, and Travelers.
Is Georgia a no-fault state?
No. Georgia is an at-fault state, which means the driver who causes an accident must cover the other driver’s damages, including medical bills and vehicle repairs.
How much auto coverage do you need in Georgia?
Drivers in Georgia need to carry $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability coverage.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- United States Census Bureau. "Dallas city, Georgia; Paulding County, Georgia."
- NOLO. "Georgia Car Accident Laws."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Office of the Commissioner of Insurance and Safety Fire. "Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Transportation Safety - Teen Drivers and Passengers: Get the Facts."
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.