Updated: May 20, 2024
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When it comes to auto insurance, there is no one-size-fits-all solution. For young adults and seniors, Texas Farm Bureau is our top choice, while Chubb leads the pack for customer service. State Farm is a great option for those on a tight budget, and Foremost stands out for those with previous driving offenses. Finally, Allstate is the best option for drivers with new cars.
Those prioritizing savings can look into the cheapest auto insurance providers in Dallas.
BestCar InsuranceDallasTable of Contents (Jump to Your Best Fit)
Why Trust MoneyGeek? We used our scoring system to assess the claims handling process, policy options, pricing, customer satisfaction and financial stability of Dallas-based auto insurance providers. We used data from Quadrant Information Services and the Texas Department of Insurance.
Based on MoneyGeek's ratings, the following providers offer the best auto insurance in Dallas:
We chose Texas Farm Bureau as the top provider out of the 12 that we analyzed because of its high customer satisfaction ratings and affordability. It is also the best auto insurance company in Texas based on MoneyGeek's evaluation.
With a MoneyGeek score of 82 out of 100, USAA is the best vehicle insurance company for military personnel in Dallas.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the overall best car insurance was calculated with the following weights:
Ranked first for customer service and second for affordability
Offers rental car reimbursement and roadside assistance
Has a below-average claims management score
Does not offer gap insurance
With rising insurance costs, it's essential for customers to find a reliable insurance provider that offers cost-effective solutions without compromising on the quality of service. Texas Farm Bureau offers affordable rates and excellent customer service in Dallas.
Although the company has a limited range of coverage options available, it does offer two essential coverages: rental car reimbursement and roadside assistance. Both of these options are very useful to any type of driver.
Texas Farm Bureau will cover roadside assistance services up to $120, which include towing and flat tire repair. Meanwhile, rental car reimbursement helps cover the cost of a rental car and ensures that you are not left without transportation if your vehicle is being repaired following an accident.
In Dallas, Texas Farm Bureau is the best overall provider among the 12 insurance companies we analyzed thanks to its combination of high customer satisfaction ratings and affordable rates. Foremost ranked highest for customer satisfaction, but its high cost brought down its overall score.
The rates noted apply to full coverage policies, and MoneyGeek only awarded scores to companies with sufficient data for each component, including affordability, stability and claims management.
| Texas Farm Bureau | 78 | $937 | 5 | 2 | 3 | 3 |
| State Farm | 76 | $793 | 4 | 2 | 3 | 5 |
| Chubb | 74 | $1,579 | 5 | 4 | 3 | 5 |
| GEICO | 70 | $1,094 | 4 | 2 | 3 | 5 |
| Foremost | 69 | $1,559 | 5 | 2 | 4 | 3 |
| Allstate | 68 | $1,006 | 3 | 2 | 4 | 4 |
| Mercury | 67 | $1,027 | 3 | 2 | 3 | 3 |
| Nationwide | 65 | $1,201 | 3 | 2 | 4 | 4 |
| AAA Texas | 65 | $1,150 | 4 | 2 | 3 | 3 |
| Progressive | 59 | $1,585 | 3 | 2 | 4 | 4 |
| National General | 53 | $1,599 | 3 | 2 | 1 | 4 |
| Dairyland | No Data | $2,396 | 4 | No Data | 4 | 4 |
Without taking cost into account, the best auto insurance companies in Dallas for customer service are:
Chubb earned the best claims management rating and the second-highest rating for customer satisfaction. Compared to other providers, we found that Chubb's auto insurance premiums are much higher on average.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Customer Service was calculated with the following weights:
Ranked first for claims management in our comparison group
Has a high customer satisfaction score
Offers diminished value and original equipment manufacturer (OEM) coverage
Has limited coverage options
Does not offer roadside assistance
Chubb offers several important coverages, including OEM coverage, which is less common among insurers. This option covers the cost of original parts if your car needs to be repaired to help ensure that the safety systems will continue to operate properly.
In addition, the company's diminished value coverage protects against the loss of value that your car may experience after an accident. You agree to your car's value when the policy is written, and if your car is totaled or stolen, Chubb will send you a check for that amount. Chubb also offers rental car reimbursement with a generous limit of up to $5,000, with no per-day limit. This benefit is a great way to ensure that you have a rental car while your car is being repaired.
Chubb's high customer satisfaction and claims management make it a top choice for those who value quality service. Although Chubb's premiums may be higher than some other insurance providers, their commitment to customer satisfaction means that you can expect excellent support.
Good customer service in an insurance company means it responds promptly to customer inquiries and provides high-quality claims management. Chubb has high ratings for both customer satisfaction and claims handling, making it our top pick in Dallas. While Foremost has more coverage options, its low claims management rating brought down its overall score.
After examining the affordability and service quality of policies that meet the minimum auto coverage requirements in Texas, MoneyGeek found that the best cheap insurance providers in Dallas are:
However, it is important to keep in mind that the least expensive policies with minimum coverage in Dallas offer limited protection against liability costs and no coverage for damage to your vehicle in case of an accident. Texas' minimum car insurance requirements apply to every city in the state.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the Best Cheap company was calculated with the following weights:
An affordable minimum coverage policy costs $793 per year
Offers discounts for safe driving, safety systems and those with new cars
Has high affordability and customer satisfaction ratings
No paperless discounts
As a poor claims management process
State Farm is a top contender for cheap auto insurance in Dallas due to its cheap premiums and high customer satisfaction. Drivers looking to save money should take advantage of State Farm's many discounts, including bundling policies and having an airbag or anti-theft system installed.
State Farm also rewards safe driving by offering a discount for clients who have gone three years without chargeable violations and provides a discount to those who have completed an eligible defensive driving course.
State Farm also offers a new car discount, which is rarer among insurers. This discount makes drivers of cars from 1994 and later eligible for a medical payments coverage discount. Seniors and those who are retired can also get discounts from State Farm.
Although cheap rates are important for minimum coverage, it's also important for the insurance company to have good customer satisfaction and claims management. While there can be a trade-off between rates and service, some top-rated insurance companies like State Farm provide both. Texas Farm Bureau is a very close second — it has higher customer satisfaction and claims management ratings, but it's more expensive.
The best auto insurance companies for young adults in Dallas are:
Texas Farm Bureau earned high scores for affordability and customer satisfaction, providing great service at a reasonable cost.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Young Adults was calculated with the following weights:
More affordable than other insurers at $1,157 per year
Offers good student and driver’s education discounts
Has a high customer satisfaction rating
Has below-average claims management and coverage scores
Texas Farm Bureau is an affordable option for car insurance, with an average annual premium of $1,157. It also provides good customer service, making it a great option for young adults in Dallas.
Texas Farm Bureau offers several discounts that may be used by young adults if they're students — for example, the company has a good student discount for students who maintain a B average or above. In addition, young drivers under 25 who complete an eligible driver’s education course can save even more. Other typical discounts this company offers include safe driving discounts to encourage responsible driving habits and discounts for insuring multiple cars.
Texas Farm Bureau also offers standard coverages like roadside assistance and rental car reimbursement. These coverages can be helpful for young adults who experience a breakdown or get into an accident and may not be able to cover unexpected expenses out of pocket.
For young adults, a good car insurance policy means affordable rates, discounts that they can take advantage of and reliable customer service. Texas Farm Bureau offers the second-cheapest rates in the city for young adults and also has high customer satisfaction ratings. While State Farm offers slightly cheaper rates, its poor claims management rating brought down its overall score.
The top auto insurance providers for teens and their families in Dallas are the following:
Foremost earned the highest customer satisfaction rating in our comparison group and offers most essential coverages. Teenagers in Dallas can save an average of $3,267 annually by enrolling in their parent's policy rather than buying their own — plus, teens under the age of 18 legally need their parent or guardian to co-sign if they're getting an individual policy.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Teens was calculated with the following weights:
Ranked first for customer satisfaction
Has a high coverage score
Has relatively expensive rates at $3,768 per year
Has a below-average claims management score
Foremost received the highest customer satisfaction ratings and a high coverage score, indicating that it provides good customer service and essential coverage options to teens and their families in Dallas. However, its rates are relatively expensive at $3,768 per year for a family policy, which ranked fourth among the six insurers we evaluated for this category.
Although Foremost does not offer any discounts geared specifically towards young drivers, teens and their families may take advantage of the company's paperless discount by opting to receive their billing documents electronically.
For teen drivers who are still learning how to handle unexpected situations on the road, Foremost’s roadside assistance can be particularly helpful. This coverage can help cover the cost of services like towing up to the policy's maximum limit. Foremost also has new car replacement coverage, which will help pay for a new car of the same make and size if a recently-purchased vehicle is deemed a total loss.
Insurance companies with good policies for teens will offer affordable rates, discounts that cater to young drivers and coverage that helps make them feel secure on the road, such as roadside assistance. Although Foremost is more expensive than some competitors, it offers essential add-on coverages and has great customer service for teens. State Farm has a cheaper family premium and offers discounts specific to young drivers, but it lagged behind in customer satisfaction.
The best auto insurance companies for seniors in Dallas are:
Texas Farm Bureau received the second-highest ratings for affordability and customer satisfaction in our comparison group, making it the best option for seniors looking for auto insurance in Dallas. Although drivers in their 60s pay rates comparable to most adults, premiums for those in their 70s can be more expensive.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Seniors was calculated with the following weights:
Offers very affordable premiums at $777 per year
Offers roadside assistance and rental car reimbursement
Has high customer satisfaction ratings
Has below-average coverage and claims management scores
Texas Farm Bureau is one of the best options for seniors in Dallas looking for affordable premiums, with rates starting at just $777 per year. Additionally, it received high marks for customer satisfaction, indicating that its policyholders are happy with the level of service and support they receive.
Texas Farm Bureau also offers additional coverage options, such as roadside assistance and rental car reimbursement. These coverages can be incredibly helpful for seniors who may need extra support in the event of an accident or emergency. Roadside assistance includes towing, fuel delivery, flat tire repair and locksmith services up to $120. Meanwhile, rental car reimbursement can help cover the costs of temporary transportation if your car is in the shop following a covered incident.
Good policies for seniors offer discounts that older drivers can use, as well as coverages such as personal injury protection or medical payments coverage since they are more prone to serious injury in a car accident. Texas Farm Bureau offers affordable rates, discounts for safe driving and excellent customer service to seniors. State Farm, our runner-up, has lower rates but falls behind when it comes to customer service.
These are the top car insurance companies in Dallas if you have violations on your record:
Foremost received the highest rating for customer satisfaction and offers reasonable rates for drivers with offenses in Dallas. Rates tend to increase based on the severity of the offense. For example, drivers in Dallas with a speeding ticket can expect to pay $263 more per year compared to a driver with a clean driving record, while those with a DWI (Texas does not use "DUI") pay around $610 more. However, you can still find cheap car insurance for drivers with poor records.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Drivers With Offenses was calculated with the following weights:
Offers affordable rates at $1,778 per year
Offers new car replacement and roadside assistance
Has the highest customer satisfaction ratings out of Dallas insurers
Has a poor claims management rating
Has an average coverage score
Lacks accident forgiveness coverage
Foremost is an excellent option for Dallas drivers with offenses such as DWIs or at-fault accidents on their record due to its affordable rates and high customer satisfaction score. With an average annual premium of $1,778, Foremost offers competitive rates for drivers who may have difficulty finding affordable coverage elsewhere.
Foremost’s new car replacement coverage provides financial protection for drivers who have recently purchased a new car and get into an accident that results in the total loss of the vehicle. With this coverage, Foremost will replace the car with a new one of the same make and model.
The company also offers roadside assistance, which ensures that drivers won't be stranded in an unsafe or inconvenient location if their car breaks down. These additional services can be valuable for drivers with a poor record, who may have a higher risk of experiencing car-related issues.
When looking for a car insurance policy, drivers with offenses should consider affordable rates, good customer service and coverage that provides protection in the event of an accident, such as rental car reimbursement or new car replacement. Foremost is an excellent option for drivers with on-record violations in Dallas since it offers a good balance of affordability and customer service. While State Farm has cheaper rates, it has fewer essential coverages and a lower customer satisfaction rating.
These companies in Dallas offer the best car insurance for new car owners:
Rankings based on pricing and service quality for Texas drivers with a 2022 car model show that Allstate is the best insurance option for those with new cars. Only insurers with better or new car replacement coverage, which covers the cost of a brand-new car in the event that yours is totaled, were included in the rankings.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for New Cars was calculated based on insurers offering new or better car replacement coverage and the following weights:
Has affordable rates at $1,589 per year
Offers new car replacement
Offers roadside assistance and accident forgiveness
Customer satisfaction could be improved
With an average annual premium of $1,589, Allstate offers competitive rates compared to other car insurance providers. One of the key benefits of Allstate's coverage is its new car replacement feature. In the event of a total loss of the vehicle, Allstate's new car replacement policy replaces the vehicle with a brand new one that is the same make and model, provided that the car is no more than two model years old. This feature can provide drivers with peace of mind knowing that they can easily replace their car if it is totaled in an accident.
In addition to its new car replacement coverage, Allstate also offers accident forgiveness. With accident forgiveness, Allstate will not raise a driver's rates after their first at-fault accident. Allstate also offers standard coverage options such as roadside assistance and custom parts coverage, which could be helpful for new car owners.
Drivers with new cars often want policies that provide better coverage and protection for their investment. Allstate meets this criterion with its new car replacement coverage, which replaces totaled cars that are two model years old or newer. Texas Farm Bureau, which has higher overall ratings than Allstate, does not offer this coverage, which is why it was not included in the rankings.
If you're a driver in Dallas looking for the best car insurance, it's important to consider several factors. While MoneyGeek has gathered information to help you make an informed decision, you may want to take the steps to find the best car insurance yourself.
MoneyGeek has already done the hard work for you, but if you want to do more research on customer service, look up J.D. Power satisfaction scores and NAIC complaint ratios for the insurance companies you're interested in. Keep in mind that all customer service data is collected on a state level, so it's recommended to check Texas' Department of Insurance website.
While MoneyGeek's quotes provide average rates for sample drivers in Dallas, it's important to remember that insurance rates are dependent on various individual factors. Rates can vary depending on a number of factors, such as your age, driving record and the make and model of your car. To get a more accurate idea of how much you'll pay, gather at least three quotes from different companies.
Not all insurers offer the same coverage options or discounts in every state. Make sure the insurance company you're considering offers the specific coverage you're looking for before making a decision. This will help you avoid any surprises or issues down the line and ensure that you're getting the best value for your money.
Checking an insurer's financial strength rating is crucial when selecting a car insurance company. While larger insurance companies tend to be more financially stable, regional insurance companies available in Dallas may have lower ratings. Be sure to do your research to ensure the company you choose is financially stable.
When searching for the best car insurance in Dallas, it's important to consider what matters most to you. To help you make an informed decision, here are some of the most common questions to ask when shopping for car insurance.
The best overall winner for car insurance in Dallas is Texas Farm Bureau with a MoneyGeek score of 78 out of 100 and an average annual rate of $937. In addition to being the best overall, it also wins in categories such as seniors and young adults. Texas Farm Bureau is the best for a balance of affordability and customer service, with high scores in those individual categories.
The winner for the best cheap car insurance for minimum coverage in Dallas is State Farm. With a MoneyGeek score of 78 out of 100 and an average annual rate of $793, it's also the best for teens and families looking for cheap coverage. State Farm has the most affordable premiums in Dallas and high customer satisfaction ratings, making it a good option for those looking for budget-friendly coverage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
