Cheap Car Insurance Quotes in Dallas, Texas (2025)

Founded in 1841 as a small trading post, Dallas is now the ninth-largest U.S. city. The city’s population density may help explain its relatively high overall average insurance cost of $190 per month compared to the national average cost of $141. Drivers in bigger cities with higher population densities face increased risks of car accidents.

Even though rates in Dallas — and the rest of Texas — are relatively high, you can help lower your car insurance costs by comparing quotes from multiple insurers. Here’s what you need to know about finding the cheapest rates in Dallas.

How much is car insurance in Dallas, TX?

Car insurance in Dallas is more expensive than in Texas overall, and Dallas insurance costs are also higher than the national average. See how Dallas car insurance rates compare in the table below.

	Full Coverage	Liability Only
Dallas	$243	$137
Texas	$214	$122
National average	$180	$101

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance companies in Dallas

The cheapest car insurance company for one person might not be the same for another, since multiple factors affect your rates. If you’re searching for affordable coverage, you can see some of the cheapest car insurance companies in Dallas in the table below.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$109	$66
Allstate	$154	$93
Mile Auto	$165	$80
Mercury	$189	$121
USAA	$195	$118
GEICO	$196	$119
Progressive	$210	$116
Root	$239	$131
Safeco	$243	$156
Nationwide	$244	$148
Clearcover	$248	$155
Direct Auto	$268	$166
The General	$271	$138
Elephant	$276	$179
Bristol West	$284	$138
National General	$292	$169
GAINSCO	$311	$155
AssuranceAmerica	$314	$145
Chubb	$330	$200
Commonwealth Casualty	$361	$145
21st Century	$382	$232
Dairyland	$383	$133
Liberty Mutual	$386	$296

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Best car insurance companies in Dallas

The best auto insurance company for you depends on your financial situation and insurance needs. Each insurer uses different criteria to set rates. Factors like your gender, marital status, ZIP code, driving history, and credit history go into these calculations.^[1] Even if multiple insurers use similar rating factors, the weights applied to them can vary by insurer.

The following three insurers offer some of the best coverage in Dallas at an affordable price. The quotes provided below reflect average costs in the state of Texas.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $77/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $139/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $138/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $174/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $163/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $178/mo*
Overall rating 4.1 6,224 reviews	Overall rating 3.9 6,575 reviews	Overall rating 4.9 1,242 reviews	Overall rating 4.3 493 reviews	Overall rating 3.8 1,203 reviews	Overall rating 3.7 38 reviews
Value for money 3.8/5	Value for money 3.8/5	Value for money 4.9/5	Value for money 3.9/5	Value for money 3.6/5	Value for money 3.4/5
Customer service 4.1/5	Customer service 3.9/5	Customer service 4.7/5	Customer service 4.0/5	Customer service 3.8/5	Customer service 3.5/5
Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 4.9/5	Claims handling 4.3/5	Claims handling 4.0/5	Claims handling 3.6/5
Special highlight AI-generated from 6224 user reviews Customer service	Special highlight AI-generated from 6575 user reviews Teen drivers	Special highlight AI-generated from 1242 user reviews Members of the military community	Special highlight AI-generated from 493 user reviews Usage-based savings	Special highlight AI-generated from 1203 user reviews Bundling discounts	Special highlight AI-generated from 38 user reviews Robust mobile app

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for cheap rates: State Farm

Cheap Rates

Compare Quotes

User Reviews	4.1 6,224 reviews
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.	$66/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.	$109/mo

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Driver Reviews

4.1

Best choiceBased on 11,776 verified guest 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 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 For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,224)

Glick

Verified Review

State Farm has never let me down!

Reviewed in California on October 2025

I have been with them for decades... there is a good reason for that!

William

Verified Review

F egm

Reviewed in Alabama on October 2025

High rate increase.

Anna

Verified Review

State Farm for Life!

Reviewed in New York on October 2025

Coverage is great, but the price seems to be going up every month.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

Founded in 1922, State Farm is the largest auto insurance company in the United States by market share. The company offers multiple ways to save through a robust list of discounts and the ability to customize coverage types, making it one of the best and most inexpensive options for drivers.

Additionally, State Farm ranked second in customer satisfaction in Texas in the 2023 J.D. Power U.S. Auto Insurance Study and earned an A++ (Superior) financial strength rating from AM Best, the highest level possible.

Pros

• High J.D. Power customer satisfaction rating

• Rideshare insurance available

Cons

• Gap insurance not available

• May not be the cheapest choice for drivers with violations or accidents

Best insurer for discounts: GEICO

discounts

Compare Quotes

User Reviews	3.9 6,575 reviews
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.	9.2 /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.	$119/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.	$196/mo

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Driver Reviews

3.9

A solid optionBased on 12,432 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,575)

Gregory

Verified Purchase

Geico

Reviewed in on October 2025

Good rates and service.

Renee

Verified Review

Average

Reviewed in New Jersey on October 2025

Good insurance, but the rates are too high and increase every year.

Mary Ann

Verified Purchase

Satisfied

Reviewed in on October 2025

I am pleased with my car rate. In the past, I’ve paid much more. I am also happy about the roadside service that is offered.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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

Established in 1936, GEICO is another one of the largest companies in the auto insurance industry. The company has a reputation for discounts and a variety of coverage offerings.

GEICO offers a number of discounts related to vehicle equipment, driving history and habits, education, affiliations, customer loyalty, and more. Ideally, you can use multiple discounts to maximize your savings.

Pros

• At least 16 available discounts

• Award-winning mobile phone app and website

Cons

• Below-average J.D. Power customer satisfaction rating in Texas

• Limited local insurance agents

Best insurer for the military community: USAA

military community

Compare Quotes

User Reviews	4.9 1,242 reviews
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.	$118/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.	$195/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,220 verified guest 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 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 For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,242)

Lana

Verified Review

USAA 50/50

Reviewed in Mississippi on September 2025

Expensive. They are decent if you are in an accident - they arrange a rental (if you have that coverage) and contact the other driver's insurance, and manage the claim. Homeowners - they don't cover wind nor flood (found this out the hard way after the agent neglected to tell me after I returned from an overseas assignment).

Robert

Verified Review

Good

Reviewed in Delaware on September 2025

Safe driving discount.

Natalie

Verified Review

Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.

Reviewed in Michigan on September 2025

Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.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

Founded in 1922 when 25 Army officers joined together to insure each other’s automobiles, USAA is still offering car insurance to active-duty military members, veterans, and their families more than 100 years later.

Around 130,000 veterans live in Dallas County, making USAA a great insurance company for a portion of the Dallas population.

Pros

• A++ (Superior) financial strength rating from AM Best

• Offers usage-based auto insurance

Cons

• Only available to active-duty military, veterans, and their family members

• Doesn’t have 24/7 customer service

How to get the cheapest car insurance in Dallas

The cheapest car insurance in Dallas will look different for each driver because insurers use a number of different factors to set premium rates. It’s important to get quotes and compare rates from multiple insurance companies to find the cheapest insurance for you.

In addition to shopping around, these strategies can also help you find the cheapest car insurance in Dallas:

• Maintain a clean driving record. Safe drivers earn the lowest insurance costs.

• Adjust your coverage levels. You can make a number of tweaks to your insurance policy to reduce your costs, such as increasing your comprehensive or collision deductibles, dropping collision or comprehensive coverage, or decreasing your coverage limits. Just make sure you don’t lower your coverage so much that you can’t afford to cover the out-of-pocket costs after an accident.

• Take advantage of discounts. Most insurance companies offer discounts to customers who bundle home insurance or renters insurance with their auto insurance. Other common discounts reward safe drivers and good students.

• Improve your credit. Insurance companies in Texas can use your credit history as a factor in setting your rates. Improving your credit will save you money on car insurance, and it can improve your finances in general.

• Shop around for the best rates. Compare costs when buying a car or renewing your policy to find the best deal. Prices vary widely between insurers, and you should get quotes from at least three companies.

Car insurance requirements in Texas

Texas is an at-fault state, which means the at-fault driver is responsible for covering the other party’s vehicle damages and medical costs.^[2]

Texas requires all drivers to purchase minimum amounts of bodily injury and property damage liability coverage. To drive legally in the state, you need to purchase the following minimum coverages:^[3]

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person / $60,000 per accident
Property damage liability	$25,000 per accident

Texas drivers don’t need to carry more than the above minimum requirements, but you should consider increasing these coverage amounts and types in case of a serious accident. Dallas drivers may want to consider the following optional coverages for more vehicle protection:

• 

  Personal injury protection (PIP) coverage

  All auto insurance policies in Texas automatically include PIP, but you can opt out of it with a written request. This kind of insurance pays for your and your passengers’ medical bills and some other expenses following an accident.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage kicks in if you have an accident with an uninsured or underinsured driver. It also covers hit-and-run accidents. As with PIP coverage, all insurance policies in Texas must offer this kind of coverage, and you have to make your opt-out request in writing.

• 

  Collision coverage

  Collision coverage pays to repair or replace your vehicle following a collision with another vehicle or object, like a tree or light pole, regardless of fault. Collision insurance also covers rollover accidents and pothole damage.

• 

  Comprehensive coverage

  Comprehensive insurance will pay to repair or replace your vehicle following damage from a non-collision incident, such as a storm, theft, vandalism, or fire.

Cheapest car insurance for drivers with an incident

Drivers with a clean record typically pay the lowest insurance rates. If you have a past incident on your driving record — such as an at-fault accident, speeding ticket, DWI, or other moving violation — you can expect higher insurance premiums.

On average, Dallas drivers with a past incident pay $220 per month for car insurance. The severity and frequency of your violations will also influence how much you pay for car insurance. Here’s how different incidents may affect your insurance rates and where you can look for affordable insurance even with a spotty driving record.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Speeding can increase a driver’s risk of getting into an accident, so insurers may charge drivers more for coverage if they have a ticket on their driving record.

The average cost of car insurance for Dallas drivers with a past speeding ticket is $229 per month. Compare average quotes from different insurers below.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$66	$81
Mile Auto	$80	$94
Allstate	$93	$116
Progressive	$116	$140
USAA	$118	$146
GEICO	$119	$151
Mercury	$121	$166
Root	$131	$170
Dairyland	$133	$163
Bristol West	$138	$170
The General	$138	$179
AssuranceAmerica	$145	$168
Commonwealth Casualty	$145	$168
Nationwide	$148	$185
Clearcover	$155	$199
GAINSCO	$155	$182
Safeco	$156	$199
Direct Auto	$166	$204
National General	$169	$206
Elephant	$179	$210
Chubb	$200	$246
21st Century	$232	$293
Liberty Mutual	$296	$364

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you have an at-fault accident on your record, insurance companies will likely view you as a higher risk than drivers with no accidents. Depending on the severity and circumstances of the accident and your driving history, your insurer may increase your premiums or even drop you after an at-fault accident.

But accident forgiveness coverage could help hold your rates steady after your first at-fault accident. You’ll generally need to have a clean driving record for three to five years to be eligible to buy this type of coverage.

Dallas drivers with a past accident pay an average of $244 per month for coverage.

Here are average liability-only quotes from several insurers for drivers with an at-fault accident.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$66	$84
Mile Auto	$80	$105
Allstate	$93	$120
Progressive	$116	$149
USAA	$118	$152
GEICO	$119	$147
Mercury	$121	$175
Root	$131	$166
Dairyland	$133	$172
Bristol West	$138	$178
The General	$138	$186
AssuranceAmerica	$145	$174
Commonwealth Casualty	$145	$188
Nationwide	$148	$192
Clearcover	$155	$223
GAINSCO	$155	$195
Safeco	$156	$214
Direct Auto	$166	$222
National General	$169	$218
Elephant	$179	$230
Chubb	$200	$256
21st Century	$232	$303
Liberty Mutual	$296	$384

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DWI: State Farm

Driving under the influence, which is called “driving while intoxicated” (DWI) in Texas, is a serious traffic offense that comes with some major penalties. A first DWI offense in Texas comes with a fine of up to $2,000, up to 180 days in jail, and the loss of your driver’s license for up to a year. These penalties increase for subsequent offenses.^[4]

In Texas, a DWI can stay on your record permanently. Drivers who have a past DWI may struggle to find affordable car insurance, but several insurance companies offer coverage for drivers with a DWI conviction. The average cost of car insurance for a Dallas driver with a past DWI is $237.

Compare average liability quotes from the following insurers that offer coverage to drivers with a DWI.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DWI
State Farm	$66	$89
Mile Auto	$80	$108
Allstate	$93	$125
Progressive	$116	$144
USAA	$118	$159
GEICO	$119	$154
Mercury	$121	$171
Root	$131	$172
Dairyland	$133	$179
Bristol West	$138	$186
The General	$138	$186
AssuranceAmerica	$145	$195
Commonwealth Casualty	$145	$195
Nationwide	$148	$199
Clearcover	$155	$209
GAINSCO	$155	$209
Safeco	$156	$234
Direct Auto	$166	$223
National General	$169	$227
Elephant	$179	$241
Chubb	$200	$269
21st Century	$232	$312
Liberty Mutual	$296	$398

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Your age affects how much you pay for car insurance. Older drivers tend to pay less for car insurance than young drivers due to safer driving habits. In most cases, premiums decrease for most drivers around age 35 and remain low for another four decades. But at around age 70, rates tend to increase again because senior drivers may experience aging-related risk factors that lead to more accidents.

The overall average cost of car insurance for senior drivers in Dallas is $161 per month. Here’s how average quotes from several different insurers vary for senior drivers.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$52	$85
Mile Auto	$63	$129
Allstate	$76	$125
GEICO	$94	$155
USAA	$96	$158
Progressive	$98	$178
Mercury	$98	$153
Dairyland	$108	$312
Root	$110	$200
AssuranceAmerica	$112	$242
Nationwide	$113	$186
Bristol West	$113	$233
The General	$114	$223
Commonwealth Casualty	$116	$289
GAINSCO	$130	$261
National General	$132	$228
Direct Auto	$133	$214
Clearcover	$135	$216
Safeco	$136	$211
Elephant	$149	$230
Chubb	$150	$247
21st Century	$181	$298
Liberty Mutual	$246	$321

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teen drivers have the highest insurance costs of any demographic, in part due to limited driving experience. But they’re also more likely to take risks on the road, which is why the youngest drivers have a higher rate of fatal crashes, according to the National Highway Traffic Safety Administration (NHTSA).^[5]

Even though teenagers generally pay higher rates than other drivers, you can use a few strategies to find cheap car insurance as a teenage driver. For example, teen drivers will typically pay less for coverage if they join their parents’ existing policy, drive a safe car, earn good grades to qualify for a good student discount, or attend school away from home.

Minor teens won’t be able to legally buy coverage of their own without the written consent of a parent or guardian. On average, the cost of car insurance for teen drivers in Dallas is $374 per month. Here are some of the cheapest average quotes offered to teen drivers in Dallas.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$131	$217
Mile Auto	$170	$350
Allstate	$190	$314
GEICO	$223	$368
USAA	$226	$373
Progressive	$228	$413
Dairyland	$230	$663
Mercury	$236	$368
Root	$238	$434
The General	$249	$489
Bristol West	$257	$528
Clearcover	$274	$438
Commonwealth Casualty	$277	$689
Nationwide	$299	$492
AssuranceAmerica	$302	$654
GAINSCO	$303	$607
Safeco	$321	$500
Elephant	$322	$497
Direct Auto	$338	$545
National General	$356	$614
Chubb	$433	$715
21st Century	$438	$722
Liberty Mutual	$544	$710

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Dallas car insurance quotes by credit tier

Texas allows insurance companies to use drivers’ credit history as a factor in determining premiums. State law requires the Texas Department of Insurance to regulate how insurers use credit. This oversight protects consumers in Texas with several important rules:

• Insurers can’t use credit as the only factor in setting insurance rates.

• Consumers have the right to know what scoring system a company uses.

• Companies must tell consumers how to dispute inaccurate credit information.^[6]

Even with these protections in place, credit history can affect how much drivers in Dallas pay for auto insurance. Drivers with good or excellent credit generally pay lower rates than people with poor credit.

Here are the average monthly quotes for full-coverage auto insurance in Dallas by credit tier.

Cost of car insurance in other Texas cities

People in bigger cities pay higher car insurance rates due to an increased risk of accidents and vehicle theft. See how Dallas car insurance costs compare to some other cities in Texas.

The below rates are estimated rates current as of: Wednesday, October 1 at 12:00 PM PDT. 

City	Average Quote: Liability Only	Average Quote: Full Coverage
Big Spring	$91	$192
Abilene	$92	$181
Commerce	$97	$209
Jacksonville	$99	$184
Corsicana	$101	$178
Temple	$101	$176
Victoria	$103	$182
Texarkana	$104	$177
Southlake	$105	$173
College Station	$106	$194
Lufkin	$106	$191
Amarillo	$106	$215
Cleburne	$106	$172
El Paso	$106	$195
Bryan	$107	$190
Nacogdoches	$107	$182
Killeen	$108	$192
Greenville	$109	$201
Lubbock	$110	$208
Midland	$111	$210
Harlingen	$112	$172
New Braunfels	$112	$186
Odessa	$113	$223
Cedar Park	$114	$208
Grapevine	$115	$180
Denton	$116	$202
Georgetown	$116	$192
San Marcos	$117	$214
Huntsville	$117	$194
Burleson	$118	$204
Waxahachie	$119	$211
Haltom City	$120	$214
Lewisville	$121	$196
Coppell	$121	$215
Laredo	$122	$205
Leander	$122	$206
Mckinney	$122	$203
Frisco	$123	$208
Fort Worth	$123	$214
Round Rock	$123	$203
Keller	$125	$194
Duncanville	$126	$231
Brownsville	$127	$210
Mansfield	$127	$223
Plano	$128	$222
Cleveland	$128	$222
Balch Springs	$129	$195
Arlington	$129	$218
San Antonio	$129	$223
Forney	$129	$230
Montgomery	$129	$239
Irving	$129	$229
Grand Prairie	$130	$235
Conroe	$130	$216
Corpus Christi	$131	$207
Lancaster	$131	$246
Galveston	$133	$204
Austin	$134	$211
Rowlett	$136	$227
Pflugerville	$136	$209
Dallas	$137	$243
Rockwall	$138	$216
Beaumont	$138	$224
Mesquite	$138	$242
Pearland	$139	$225
Garland	$139	$229
Friendswood	$139	$206
Mcallen	$139	$218
Baytown	$140	$236
La Porte	$141	$230
Mission	$142	$214
League City	$143	$210
San Juan	$150	$238
Sugar Land	$155	$232
Katy	$159	$247
Humble	$164	$255
Fresno	$166	$262
Houston	$175	$278

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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