Cheapest Car Insurance Quotes in Dallas

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Dallas Car Insurance

^$ 35

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Dallas

The car insurance rate in Dallas is $1064 for a six-month policy, which is $162 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $477, making it a popular choice for budget-conscious drivers. Rates in Dallas can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Dallas

$1064

Avg. Car Insurance in North Carolina

$902

National Average

$1140

Cheapest Car Insurance Companies in Dallas

1st place: Erie

At $477 for a six month policy, Erie offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $568 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $651 for six months, making it the third cheapest auto insurance company in Dallas.

Dallas Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dallas, NC is Erie, offering policies at just $477 for a six-month term. This is followed by Progressive, which has an average six-month premium of $568.

At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1359 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dallas drivers find the best deals.

Cheap Car Insurance Companies in Dallas, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$477	$80
Progressive	$568	$96
State Farm	$651	$110
North Carolina Farm Bureau	$771	$130
Nationwide	$1002	$169
Farm Bureau	$1318	$224
Farmers	$1345	$224
Kemper	$1479	$251
Allstate	$1683	$283
Penn National	$1359	$227

Key Takeaways

Way's key takeaways about car insurance in Dallas

The auto insurance costs in Dallas fall around $477 for six months.
The cheapest auto insurance company in Dallas is Erie.
Teen drivers pay the highest rate in Dallas at $72 per month.

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Cheapest Minimum Liability Car Insurance in Dallas

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Dallas are given below.

Erie provides the cheapest minimum car insurance coverage in Dallas. Their Average 6 Month Premium is $210. National Farmers Union Insurance is the most expensive at $365 for the same period.

Cheapest Liability Coverage in Dallas, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$210	$35
State Farm	$288	$48
Progressive	$301	$51
North Carolina Farm Bureau	$329	$55
Nationwide	$413	$70
National General	$427	$71
Penn National	$463	$79
Farm Bureau	$673	$112
Allstate	$736	$124
National Farmers Union Insurance	$365	$60

Cheapest Full Coverage Car Insurance in Dallas

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Dallas is Erie at $80 per month and $477 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dallas, NC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$477	$80
Progressive	$568	$96
State Farm	$651	$110
North Carolina Farm Bureau	$771	$130
Nationwide	$1002	$169
Farm Bureau	$1318	$224
Farmers	$1345	$224
Kemper	$1479	$251
Allstate	$1683	$283
Penn National	$1359	$227

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Average Car Insurance in Dallas by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Dallas, NC increasing?

Despite maintaining a clean driving record, your car insurance rates in Dallas, North Carolina, may be increasing due to several external factors. North Carolina has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Dallas's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Dallas

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	North Carolina Farm Bureau	$480
30s	North Carolina Farm Bureau	$480
40s	North Carolina Farm Bureau	$480
50s	North Carolina Farm Bureau	$480
60s	North Carolina Farm Bureau	$480
70s	North Carolina Farm Bureau	$480

Cheapest Car Insurance Rates for Teen Drivers in Dallas,NC

If you are planning to get a car insurance policy for your teenage dependent, Progressive provides the cheapest car insurance in the Dallas at $104 per month. At $420 for a six-month premium, National General offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$617	$104
State Farm	$799	$135
Erie	$806	$136
North Carolina Farm Bureau	$1409	$237
Nationwide	$3049	$509
Allstate	$3686	$627
Penn National	$407	$67
National General	$420	$72

Teen Car Insurance Rates in NC by Age

Way Tip

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Dallas.

As young drivers face the highest rates in Dallas, North Carolina Farm Bureau offers the cheapest auto insurance rates at $480 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Dallas, North Carolina Farm Bureau is the cheapest car insurance provider. At $210 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Dallas is Allstate, offering rates of around $3708 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$210	$35
National General	$365	$60
Progressive	$393	$66
Erie	$455	$77
Nationwide	$904	$152
State Farm	$1556	$262
Farm Bureau	$1781	$303
Allstate	$3708	$618

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Car Insurance Rates with An Accident in Dallas

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Dallas, NC, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Dallas

The cheapest car insurance companies after an at-fault accident in Dallas include Progressive and Erie, offering $596 and $603, respectively. Farmers is an expensive provider with an average six-month premium of $624.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$596	$100
Erie	$603	$101
State Farm	$673	$113
North Carolina Farm Bureau	$925	$156
Nationwide	$1661	$280
Farm Bureau	$2096	$356
Allstate	$3168	$533
Penn National	$582	$99
Farmers	$624	$104

Dallas Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dallas NC. For example, the car insurance in Dallas after a DUI increases to $2180 for a six month policy. While the rate increases by $259 for a six-month policy in the case of a speeding ticket.

Dallas auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$673	$112
One Med/PIP claim	$673	$114
Not-at-fault accident	$680	$113
One comp claim	$694	$118
Two Med/PIP claims	$694	$116
Two comp claims	$715	$122
Failure to show documents	$792	$132
Child safety restraint	$877	$149
Driving without lights	$877	$146
Failure to wear a seat belt	$877	$149
Cell phone violation	$925	$155
Texting while driving	$925	$157
Speeding 6 - 10 MPH over limit	$932	$156
Driving with expired registration	$939	$159
Driving too slowly	$953	$159
Failure to stop at a red light	$953	$162
Failure to yield	$953	$159
Illegal turn	$953	$162
Open container	$953	$159
Operating a vehicle without permission	$953	$162
Wrong way/wrong lane	$953	$159
Speeding in school zone	$961	$163
At-fault accident - $1000-$2000	$968	$162
At-fault accident - less than $1000	$968	$164
In 65 MPH zone	$1023	$171
Speeding 11 - 15 MPH over limit	$1023	$173
Speeding 16 - 20 MPH over limit	$1023	$171
Speeding 21 - 25 MPH over limit	$1023	$173
Improper passing	$1044	$175
Following too closely	$1051	$179
At-fault accident - greater than $2000	$1128	$188
Passing school bus	$1283	$218
Reckless driving	$1297	$216
Driving with a suspended license	$2005	$341
Leaving scene of an accident/hit and run	$2818	$470
Refusal to submit to a chemical test	$2846	$484
DUI	$2853	$476
Racing	$2902	$493

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Dallas after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Dallas.

The cheapest car insurance premiums in Dallas are offered by National General at $484 for a six-month policy. However, it can be as expensive as $1605 with companies like Farmers.

Dallas car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
National General	$484	$83
Progressive	$1556	$262
State Farm	$1731	$291
Erie	$1836	$309
Nationwide	$3442	$579
North Carolina Farm Bureau	$3798	$640
Allstate	$7303	$1230
Farm Bureau	$7843	$1307
Farmers	$1605	$268

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Dallas are offered by North Carolina Farm Bureau at $224. However, it can be as expensive as $2446 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Dallas after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Carolina Farm Bureau	$224	$38
National General	$470	$80
Erie	$477	$80
State Farm	$512	$86
Progressive	$532	$90
Nationwide	$961	$162
Farm Bureau	$1759	$293
Allstate	$2446	$415

Car Insurance Price Trends in Dallas, North Carolina

Car insurance rates in Dallas have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Dallas remained steady at $135 in both November and October, indicating no change over the two month period.

The average cost of liability insurance in the Dallas remained steady at $65 in both November and October, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Dallas?

The car insurance in Dallas is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Dallas?

The cheapest car insurance in Dallas is $80 per month for full coverage.

How much is car insurance in Dallas for teenagers?

Car insurance for teenagers costs $617 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Dallas?

The average cost of car insurance is $902 for a six-month policy. It will cost around $179 per month to insure your car in Dallas.

Is car insurance expensive in Dallas?

Car insurance can be expensive in Dallas if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Dallas can be affordable.

Cheapest Car Insurance Quotes in Dallas

Why you can trust Way?

How Much Is Car Insurance in Dallas

Avg. Car Insurance in Dallas

Avg. Car Insurance in North Carolina

National Average

Cheapest Car Insurance Companies in Dallas

1st place: Erie

2nd place: Progressive

3rd place: State Farm

Dallas Car Insurance Rates by Company

Cheap Car Insurance Companies in Dallas, NC

Way's key takeaways about car insurance in Dallas

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dallas

Cheapest Liability Coverage in Dallas, NC

Cheapest Full Coverage Car Insurance in Dallas

Cheapest Full Coverage Car Insurance Quotes in Dallas, NC

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dallas by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Dallas, NC increasing?

Car Insurance Premiums by Age in Dallas

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dallas,NC

If you are in your twenties North Carolina Farm Bureau is the best choice for car insurance in Dallas.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Dallas

Cheapest Car Insurance Companies after an At-Fault Accident in Dallas

Dallas Car Insurance Rates by Violation

Dallas auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dallas after a DUI

Dallas car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dallas after Speeding ticket

Car Insurance Price Trends in Dallas, North Carolina

Average Car Insurance Cost in Dallas by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dallas, NC

Car Insurance Rates by State in the USA (2025 Update)

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