In Dallas, Texas, Texas Farm Bureau, State Farm and Mercury offer some of the most affordable car insurance options. Insurance rates vary depending on a driver's profile and the level of coverage they choose. The table below breaks down costs across common categories, highlighting which company offers the best rates for various driver profiles.
Cheapest Car Insurance in Dallas, TX
Updated: December 22, 2024
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Key Takeaways
The five cheapest car insurance companies in Dallas are Texas Farm Bureau, Mercury, State Farm, Progressive and National General.
The lowest average monthly rates for state minimum and full coverage are $37 and $78, respectively.
On average, drivers pay $77 per month for minimum coverage and $160 for full coverage in Dallas.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Texas Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Dallas
| Texas Farm Bureau | Minimum Coverage | $37 |
| Texas Farm Bureau | Full Coverage | $78 |
| State Farm | Teens | $196 |
| Texas Farm Bureau | Young Adults | $48 |
| Texas Farm Bureau | Senior Drivers | $32 |
| Mercury | Drivers With Bad Credit | $59 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $37 |
| Mercury | Drivers With a DUI | $60 |
| State Farm | Drivers With an Accident | $56 |
| Texas Farm Bureau | Military Affiliated Drivers | $37 |
Cheapest Car Insurance Coverage in Dallas
When searching for the cheapest car insurance in Dallas, comparing rates from multiple providers is vital. Age, driving history, vehicle type and coverage needs all impact the cost of car insurance. Keep in mind that the cheapest car insurance provider in Texas might not offer the lowest rates in Dallas, so shopping for car insurance quotes is key to finding affordable coverage.
Cheapest Minimum Coverage Car Insurance in Dallas
Texas Farm Bureau offers the cheapest minimum coverage car insurance in Dallas at $37 per month, with Mercury following closely at $42 per month. Check the table below to explore different providers offering the best rates for minimum coverage in the city.
| Texas Farm Bureau | $37 | $40 |
| Mercury | $42 | $36 |
| State Farm | $44 | $34 |
| Progressive | $56 | $21 |
| National General | $59 | $18 |
| AAA Texas | $64 | $13 |
| GEICO | $73 | $4 |
Cheapest Full Coverage Car Insurance in Dallas
Texas Farm Bureau offers the most affordable full coverage car insurance in Dallas at $937 per year. Check the table below to see other providers offering competitive rates for full coverage in the area.
| Texas Farm Bureau | $78 | $82 |
| State Farm | $95 | $65 |
| Progressive | $113 | $47 |
| National General | $130 | $30 |
| AAA Texas | $132 | $28 |
| GEICO | $136 | $24 |
| Mercury | $148 | $12 |
| Allstate | $152 | $8 |
Cheapest Car Insurance in Dallas by Age
In Dallas, your age can affect how much you pay for car insurance. Young drivers often pay more because they lack driving experience. Over time, rates usually go down, but they can go up again after age 70. Explore the most affordable insurance companies in Dallas for teens, young adults and seniors in the table below.
Cheapest Car Insurance in Dallas for Teens
For teens in Dallas, the most affordable car insurance is offered by GEICO, Nationwide and State Farm. Check the table below to find the lowest rates for this age group in the city.
| State Farm | $196 | $107 | $256 | $248 |
| Nationwide | $200 | $102 | $445 | $59 |
| GEICO | $232 | $71 | $259 | $246 |
Cheapest Car Insurance in Dallas for Young Adults
Texas Farm Bureau offers the most affordable car insurance for young adults in Dallas at $573 annually, 53% cheaper than the city average. Other affordable options are State Farm, Mercury and Progressive.
| Texas Farm Bureau | $48 | $54 |
| State Farm | $53 | $49 |
| Mercury | $55 | $47 |
| Progressive | $65 | $36 |
| National General | $79 | $23 |
| AAA Texas | $81 | $21 |
| GEICO | $84 | $18 |
| Allstate | $98 | $4 |
Cheapest Car Insurance in Dallas for Seniors
Texas Farm Bureau offers the most affordable car insurance for seniors in Dallas, with an annual rate of $387. Check the table below to explore options from other providers and find the best rates for senior drivers.
| Texas Farm Bureau | $32 | $46 |
| State Farm | $41 | $37 |
| Mercury | $46 | $32 |
| Progressive | $56 | $23 |
| National General | $62 | $16 |
| AAA Texas | $67 | $11 |
| GEICO | $77 | $1 |
Cheapest Car Insurance in Dallas for Drivers With Bad Credit
A low credit-based insurance score may lead to higher premiums compared to those with good scores. Mercury and Texas Farm Bureau offer cheap car insurance for drivers with bad credit, with rates of $711 and $947 per year, respectively. Review the table below for more options from other providers.
| Mercury | $59 | $76 |
| Texas Farm Bureau | $79 | $57 |
| Progressive | $85 | $51 |
| National General | $90 | $46 |
| AAA Texas | $99 | $37 |
| Allstate | $116 | $19 |
| Foremost | $121 | $15 |
| Nationwide | $126 | $10 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can still find affordable car insurance by utilizing common discounts and bundling different insurance policies. Comparing personalized quotes from multiple companies can also help. Improving your credit over time can further lower your rate.
Cheapest Car Insurance in Dallas After a Driving Offense
Car insurance providers assess risk by looking at your driving record. Violations like speeding tickets, accidents or DUIs can increase your rates. Even the cheapest car insurance for drivers with violations is pricier than for those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and other driving offenses.
Cheapest Car Insurance in Dallas After a DUI
Texas does not give DUIs but has DWIs instead. For drivers with a DWI in Dallas, finding affordable car insurance is still possible. Mercury provides the cheapest minimum coverage at $715 annually. Check the table below to explore options from other providers and find the best rates for drivers with a DWI in Dallas:
| Mercury | $60 | $59 |
| Progressive | $60 | $59 |
| National General | $74 | $45 |
| State Farm | $85 | $34 |
| Texas Farm Bureau | $86 | $33 |
| AAA Texas | $100 | $19 |
| Foremost | $113 | $5 |
Cheapest Car Insurance in Dallas After an Accident
State Farm offers the most affordable minimum coverage car insurance for drivers with an at-fault accident at $668 annually. Check the table below to explore options from other providers and find the most affordable rates.
| State Farm | $56 | $74 |
| Texas Farm Bureau | $64 | $67 |
| Progressive | $87 | $43 |
| Mercury | $90 | $40 |
| AAA Texas | $95 | $35 |
| GEICO | $101 | $29 |
| National General | $102 | $29 |
Cheapest Car Insurance in Dallas After a Ticket
Texas Farm Bureau provides the most affordable car insurance for drivers in Dallas with a speeding record at an annual rate of $446. State Farm follows closely with a rate of $523 per year. Check the table below to explore options from other providers and find the best car insurance rates.
| State Farm | $44 | $48 |
| Mercury | $61 | $31 |
| Progressive | $66 | $26 |
| National General | $73 | $19 |
| Allstate | $78 | $14 |
| GEICO | $83 | $9 |
| AAA Texas | $85 | $7 |
| Texas Farm Bureau | $37 | $55 |
Cheapest Car Insurance in Dallas for Military Drivers
Military drivers in Dallas, including active-duty members, veterans, and their families, often find special discounts and competitive rates on car insurance. Among the cheapest car insurance providers for military drivers, Texas Farm Bureau offers an annual rate of $446, while USAA provides a rate of $480 for minimum coverage.
| Texas Farm Bureau | $37 | $37 |
| USAA | $40 | $34 |
| Mercury | $42 | $33 |
| State Farm | $44 | $31 |
| Progressive | $56 | $18 |
| National General | $59 | $15 |
| AAA Texas | $64 | $10 |
| GEICO | $73 | $1 |
How Much Does Car Insurance Cost in Dallas?
In Dallas, full coverage car insurance averages $1921 per year. State minimum coverage is cheaper, averaging $927 annually. Keep in mind, these rates are for a 40-year-old with good credit and a clean driving record; your rate may vary.
Dallas Auto Insurance Cost by Driver Profile
See how your auto insurance stacks up with our table of average costs for various driver profiles. Compare rates to ensure you're getting an affordable plan.
| Teen Drivers | No Data | $504 |
| Young Adults | $102 | $209 |
| Senior Drivers | $78 | $153 |
| Drivers With Bad Credit | $136 | $287 |
| Drivers With a Speeding Ticket | $92 | $192 |
| Drivers With a DUI | $119 | $234 |
| Drivers With an Accident | $130 | $260 |
| Military Affiliated Drivers | $74 | $154 |
How Expensive Is Car Insurance Dallas?
Car insurance in Dallas costs about 14% more for minimum coverage and 13% more for full coverage compared to the rest of Texas. That means you pay around $77 monthly for minimum coverage and $160 for full coverage.
| Dallas Avg Rate | $77 | $160 |
| Texas Avg Rate | $68 | $141 |
| vs Texas Avg Rate | $-10 | $-19 |
Car Insurance Requirements in Dallas
In Texas, drivers are required to have car insurance that meets the state's minimum coverage limits. This includes coverage for both bodily injury liability and property damage liability, ensuring financial protection in case of an accident.
Texas law mandates the following minimum coverage amounts for drivers:
- $30,000 for bodily injury liability per person.
- $60,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
An auto insurance policy serves as a safeguard, covering costs that arise from an accident. Specifically, liability coverage handles expenses for damage or injuries that the policyholder is responsible for in an at-fault accident.
To illustrate, if you're at fault in an accident and the other driver sustains injuries, your policy's bodily injury liability would cover their medical expenses up to $30,000. This is the minimum amount per person that you're legally required to carry in Texas. Additionally, if you need SR-22 insurance in Dallas, these are the minimum coverage limits you must maintain.
Cheapest Car Insurance in Dallas: Bottom Line
Your age, driving record, car, and credit score can all affect your car insurance cost in Dallas. Texas Farm Bureau and GEICO often have affordable plans. To save money, always compare quotes from different companies.
Cheap Dallas Car Insurance: FAQ
MoneyGeek helps you find affordable car insurance in Dallas. We answer common questions about the cheapest options available. Our guidance ensures you choose the best minimum coverage for your needs.
What is the cheapest car insurance company in Dallas, Texas?
Texas Farm Bureau offers the cheapest car insurance in Dallas, with rates of $78 per month for full coverage and $37 per month for state minimum coverage. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Dallas, Texas?
The average cost of car insurance in Dallas, Texas, is around $1,921 per year for full coverage and around $927 per year for minimum coverage. These rates can vary depending on your specific circumstances.
Is car insurance in Dallas, Texas, expensive?
Yes, car insurance in Dallas, Texas, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Dallas, TX
To help Dallas drivers find the most affordable auto insurance companies, MoneyGeek analyzed Dallas auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services.
Dallas Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Dallas with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Dallas
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
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.