Dallas is the third most populous city in Texas and the ninth in the United States. It is also considered one of the more dangerous cities in the country for driving. This makes having valid auto insurance very important in Dallas. Way.com has strived hard to find info on affordable car insurance rates for those who commute by car in Dallas.
Whether you live in Oak Lawn or Uptown, we can assist you in accessing the best car insurance in Dallas, TX.
The average cost for auto insurance in Dallas is $1640 per year, and this is higher than the Texas average ($1350) and higher than the national average of $1540. Our Dallas car insurance guide includes average rates based on credit score, age, driving history, and marital status.
| Dallas (annual average) | Texas (annual average) | United States |
|---|---|---|
| $1640 | $1350 | $1540 |
In Dallas, the auto insurance rates differ based on the company you choose. For the average insurance buyer in Dallas, USAA offers the lowest premiums. Although USAA offers cheap insurance rates, it is only available to current and former military members and their families. The cheap car insurance companies in Dallas are listed below. You can use this information to compare and look for quotes that suit your specific driving profile.
| Car insurance company | Average Annual Rate |
|---|---|
| USAA | $1250 |
| State Farm | $1498 |
| All State | $4200 |
| Nationwide | $2400 |
In Dallas, teenage drivers pay the highest insurance premiums. On average, Dallas drivers in their 20s pay $2150 per year, and drivers in their 60s pay $1480.
| Age | Average Annual Rate |
|---|---|
| Teenage driver | $4120 |
| 20s | $2150 |
| 60s | $1480 |
A driver’s marital status will affect the overall car insurance rates. In Dallas, single drivers pay more than married drivers. Also, the average insurance rates for widowed people are higher than for single people.
| Marital status | Average Annual Rate |
|---|---|
| Single | $1680 |
| Married | $1466 |
| Divorced | $1695 |
| Widowed | $1750 |
Car insurance prices are based on different factors like the place you live, the type of car you drive, and your age plays an essential factor in determining the rates.
| Gender | Rates |
|---|---|
| Female | $1650 |
| Male | $1625 |
For low insurance costs, always maintain a clean driving record. Avoid accidents and citations to keep your auto insurance rates low. Reckless driving charges, speeding tickets, DWIs and DUIs, and at-fault accidents can increase insurance rates.
DUI and reckless driving are two of the most expensive citations to receive. On average, Dallas drivers convicted of reckless driving face an increase of $912 per year compared to the citywide average. On average, a DUI violation can cost an increase of $930 per year, while a speeding citation can have an increase of $138.
| Driving Violation | Increased rate |
|---|---|
| DWI/DUI | $2580 |
| Reckless Driving | $2485 |
| At-fault Accident | $2200 |
| Speeding Ticket | $1750 |
The driver’s credit score is often correlated with the cost of car insurance. In Dallas, moving from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) can help you save 62% in car insurance costs. Also, moving from "Very Poor" to "Fair" credit is vital for lowering auto insurance rates. In Dallas, improving your credit score to "Fair" could result in a $1230 decrease in average yearly car insurance rates.
| Credit Tier | Annual rate |
|---|---|
| Very Poor | $4184 |
| Fair | $2125 |
| Good | $1750 |
| Very Good | $1635 |
| Exceptional | $1452 |
Your location in Dallas plays a significant role in deciding your car insurance rates other than the credit score and driving history. This is because crime, theft, and uninsured drivers differ by ZIP code.
So, if you live in a neighborhood with a high crime and theft rate, car insurance companies may consider you a high risk. That's why your insurance rates may be higher than those of a neighbor down the street. Dallas is no exception; it follows the same rule.
Auto theft is a major crime in the DFW metropolitan area. Out of Texas's 11 most populous cities, Dallas has the highest Dallas auto crime rate. There's a 31% increase in auto theft in Dallas this year compared to the previous years.
In Texas, Dallas is the second-highest city with traffic fatalities after Houston. It stands at 28th place out of the 300 cities in the United States regarding most accidents with fatalities.
The Dallas freeway system is shaped like a wagon wheel starting from the city's center. These freeways make traveling to and from Dallas simple, safe, and hassle-free. Interstate 30, Interstate 35, and U.S. Route 75 are three major freeways in Dallas. The I-30 connects the DFW metropolitan area with North Little Rock, Arkansas.
CAR: If you plan to drive around Dallas in your car, use Google Maps to navigate. To find and book affordable parking, use Way.com. Way.com lists parking spots near you. You can compare the parking rates facilities offered, and choose the best spot.
TOLLWAY: The famous toll roads in Dallas are:
RIDESHARING APPS: There are multiple ways to get around Dallas. If you’re someone who prefers ridesharing apps, here’s a list we’ve compiled for you. Use the list to pick the right ridesharing app for you:
DART Rail: The DART light rail is owned and operated by the Dallas Area Rapid Transit (DART) and serves the Dallas metropolitan area. It is one of the longest light rail systems in the United States. The DART Rail system serves 65 stations and four lines.
DART Streetcar: It is a 2.45-mile-long streetcar line owned and operated by DART. Phase one of the streetcar runs from Union Station to Methodist Dallas Medical Center, and phase two runs from Methodist Dallas Medical Center to the Bishop Arts District in Oak Cliff.
DART Bus: DART operates 74 bus routes; this includes circular and shuttle routes. It operates six express routes that ferry passengers between two areas with few or no stops.
If you own a car and drive it, you need auto insurance. Every car owner in Dallas needs auto insurance for protection, and Texas law requires it.
Here are the top car insurance companies in Dallas:
| Car insurance companies in Dallas | |
|---|---|
| MetLife | Stillwater Progressive |
| Hippo | Safe Auto |
| Falcon | Plymouth Rock |
| Hallmark | Farmers GroupSelect |
| Ensure | Kemper Auto |
| Direct Auto | Safeco |
| Encompass | State Farm |
| Cinch | Sun Coast |
| Certainly | Titan |
| Clearcover | Travelers |
| American Family | TSC |
| 21st Century | Stillwater |
| All State | USAA |
| Allied | Preferred Mutual |
| AFI | |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
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.com
The average cost for full coverage car insurance in Dallas is $1640 per year, and it is higher than the Texas average of $1350.
On average, drivers in Dallas pay a car insurance premium of $1815 per year, which is higher than the national average of $1540.
In Dallas, the average cost for car insurance is $136 per month. The average cost for car insurance per year in Dallas is $1640.
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