Best cheap car insurance in Dallas

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Drivers in Dallas are legally required to carry car insurance if they own a vehicle registered in the state of Texas. The cost of car insurance in Dallas is high, with an average annual premium of $2,093 for full coverage and $641 for minimum coverage.

Data from Allstate shows that drivers in Dallas are about 46% more likely than the average American to get into an accident. Because of that, a comprehensive auto insurance policy is essential. We researched the best cheap car insurance in Dallas based on average rates, discounts, third-party ratings and more.

Best car insurance companies in Dallas

The best car insurance companies in Dallas offer affordable premiums, flexible coverage options, generous discounts, good online tools and resources and strong financial stability. Here are the providers we think are worth looking into for Dallas drivers:

Insurance Company J.D. Power Score Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico 846 / 1,000 $484 $1,533
State Farm 844 / 1,000 $658 $1,660
USAA 878 / 1,000 $488 $1,519
Allstate 832 / 1,000 $680 $2,010
Nationwide 820 / 1,000 $559 $1,498

Geico

Geico, rated one of Texas’s best car insurance companies by J.D. Power, is known for offering cheap car insurance and several unique discounts. There are savings opportunities for military personnel, federal employees, good students, emergency deployment and being accident-free, among others. Geico also has a highly-rated mobile app where you can request roadside assistance, view your ID cards and get repair estimates.

State Farm

State Farm is a popular car insurance provider among drivers in Dallas. The company offers cheap rates, good online tools and a long list of discounts. State Farm has savings for good students, being accident-free, insuring multiple vehicles, students away at school, having a vehicle with safety features and more. Additionally, State Farm has two safe driver rewards programs, Steer Clear for drivers under 25 and Drive Safe & Save for drivers over 25.

USAA

USAA is one of the best insurance companies in the country, but you must be affiliated with the military to qualify. USAA offers cheap rates to drivers in Dallas, plus great customer service, claims handling and discounts. The company has savings for safe drivers, good students, reduced mileage, garaging your vehicle on base, bundling your policies, taking a defensive driving course, being a loyal customer and more.

Allstate

Allstate is a great car insurance company for Dallas drivers who want to customize their policy with endorsements. Allstate sells sound system insurance, accident forgiveness, new car replacement coverage and other policies that provide extra protection. In Addition to low rates, Allstate offers good discounts, including a deductible rewards program and a safe driver rewards program called Drivewise, which uses telematics to track driving habits.

Nationwide

Drivers in Dallas can purchase a comprehensive car insurance policy from Nationwide at a below-average rate. Nationwide sells a number of endorsements for flexible coverage, including accident forgiveness, a total loss deductive waiver, roadside assistance and a vanishing deductible. Plus, you can take advantage of discounts or enroll in Nationwide’s pay-per-mile insurance program, called SmartMiles, which is ideal for infrequent drivers.

Cheapest car insurance in Dallas

Drivers in Dallas pay more for car insurance than the average driver in Texas. The average cost of car insurance in Texas is $1,823 per year for a full coverage policy and $524 per year for a minimum coverage policy. In comparison, the average premium in the United States is $1,674 for full coverage insurance and $565 for minimum coverage insurance.

Car insurance rates in Dallas vary by provider. The table below looks at the cheapest car insurance rates in Dallas from the most popular carriers based on market share:

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico $484 $1,533
USAA $488 $1,519
Nationwide $559 $1,498
Mercury $642 $2,019
State Farm $658 $1,660

Not all cheap car insurance providers in Texas are created equal. For example, USAA only sells insurance to military personnel. Geico and Nationwide offer comparable rates, and there are no eligibility requirements.

In terms of coverage options, Nationwide is the best choice on this list. The other four providers only offer a handful of endorsements, making it harder to customize your coverage. If you are looking for a company with good discounts, any carrier mentioned will meet your needs.

Dallas insurance requirements

Drivers in Dallas are required to carry at least 30/60/25 in personal liability insurance to operate their vehicle legally. A minimum coverage policy in Dallas includes the following coverages:

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

Minimum coverage car insurance is the cheapest option. However, insurance companies recommend that drivers purchase more coverage than what is required. There is no guarantee that minimum coverage insurance in Dallas will cover an accident’s total cost, which leaves you vulnerable to financial and legal risks. If you lease or finance your car, your lender may require you to carry full coverage insurance until your loan is paid off.

Car insurance discounts in Dallas

Many car insurance carriers in Dallas offer discounts to help drivers get a cheaper rate. Although the exact discounts available vary based on the carrier, here are some of the most popular auto insurance discounts you will find in Dallas:

  • Vehicle safety features discount: If your vehicle has advanced safety features, like anti-lock brakes or an anti-theft system, you may qualify for a discount.
  • Claims-free discount: Drivers who have no prior insurance claims on their record can typically get a cheaper policy rate.
  • Good student discount: High school and college students who maintain a minimum GPA can often qualify for a good student discount on their insurance.
  • Multi-vehicle discount: Insuring multiple vehicles on a single car insurance policy usually means a less expensive annual premium.

Frequently asked questions

What is the best car insurance company?

There is not one car insurance company that is the best for every driver. The best car insurance company is the one that meets your specific needs and fits your budget. Before choosing a car insurance provider, it is important to shop around and get multiple quotes. If you’re having trouble deciding, speak with a licensed insurance agent.

How much does car insurance in Dallas cost?

In Dallas, the average cost of car insurance is $2,093 per year for a full coverage policy and $641 per year for a minimum coverage policy. However, car insurance rates are personalized, so you might pay more or less than the citywide average rate based on factors like your age, credit score and the make, model and year of the vehicle you drive.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.