Updated: December 16, 2024
Advertising & Editorial Disclosure
In Dallas, TX, State Farm is both the overall best and the cheapest choice for home insurance. If customer service is your priority, then Amica is the best.
Choosing the best inexpensive home insurance depends on what you value, such as costs or how a company helps when you have questions or problems.
Best HomeInsuranceDallas, TXTable of Contents
Why Trust MoneyGeek? We relied on Texas's Department of Insurance and Quadrant Information Services data to find the top homeowners insurance in Dallas, ensuring our recommendations are data-driven and industry-backed.
Home insurance rates in Dallas represent the most competitive quotations as of September 2024.
MoneyGeek found that State Farm is the best option for home insurance in Dallas, TX, for a $100k dwelling coverage, earning a MoneyGeek score of 90 out of 100.
The scores for home insurance companies in Dallas range from 44 to 90. These figures are based on MoneyGeek's scoring system, and insurers may have different scores depending on your credit history and the age of your home.
| State Farm | 90 | $1,892 |
| Chubb | 90 | $2,345 |
| Amica | 82 | $3,005 |
| Farmers | 82 | $2,204 |
| Nationwide | 72 | $3,504 |
| IAT Insurance Group | 48 | $3,570 |
| ASI | 44 | $4,723 |
MoneyGeek found that State Farm is the best option for $100K dwelling coverage in Dallas, TX. When it comes to protecting your home in Dallas, the two best overall home insurance providers for $100K dwelling coverage are:
State Farm stands out as the best home insurance provider due to its affordability and impressive customer satisfaction ratings, contributing significantly to the MoneyGeek score.
Dallas, TX, homeowners have a choice among various companies, each offering different costs and service experiences. While affordability is key, other factors — such as customer support and coverage options — are important, especially when filing a claim.
State Farm scores high on affordability and satisfaction, making it a top choice for home insurance. It offers building ordinance or law coverage, which is useful for meeting local building codes. Scheduled personal property coverage protects valuable items like cameras and sports gear. Back-up of sewer or drain coverage helps if water backs up into your home.
You can also save with discounts like roof replacement cost and wind mitigation. These help if your roof is damaged or if your home meets certain safety standards.
MoneyGeek found that Amica provides the best customer service in home insurance in Dallas, TX, for $100K dwelling coverage. Here are the top providers for this coverage level:
Amica stands out as the best due to its high customer satisfaction and solid coverage options. The company earned its top rating through positive customer reviews and a track record of reliable service. You will find Amica a wise choice for your home insurance needs because it delivers dependable service. Excellent service in home insurance provides responsive assistance and fair claim resolutions.
Amica scores high for customer satisfaction and coverage. It offers comprehensive home insurance with guaranteed replacement cost, which helps rebuild your home if costs exceed limits. Back-up of sewer or drain covers water damage from backups. Scheduled personal property protects valuable items like jewelry.
It also provides discounts like continuously insured and automatic payment. To qualify for continuously insured, stay with the same insurer for at least two years.
MoneyGeek found that State Farm is the best cheap home insurance option in Dallas, TX, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
State Farm stands out due to its high affordability and customer satisfaction scores. Cheap home insurance often means choosing lower coverage, which can save money but might not cover all damages. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
What sets the best cheap home insurance apart from the cheapest is its value for money, balancing cost with the coverage that meets a homeowner's needs without being expensive.
State Farm is the best cheap company with high MoneyGeek scores in affordability and customer satisfaction. It provides useful coverages like building ordinance or law, which helps with costs if your home needs updates to meet current codes. Mold coverage protects against damage from mold, and back-up of sewer or drain covers water damage from backed-up drains. These coverages are valuable for keeping your home safe and sound.
You can save with discounts like bundle and protective device. Installing fire alarms can qualify you for savings.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
In Dallas, many factors affect homeowners insurance, with location being one. Comparing rates is the best way to save, but it can take 15 minutes per company. Comparing three or more means over an hour of research. MoneyGeek's home insurance calculator helps save time by pointing out key factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and a few others for an estimate.
State Farm is the best option in Dallas, TX, for affordable home insurance. The most crucial factor affecting your home insurance premium is the dwelling coverage you select.
State Farm shines as the cheapest homeowners insurance choice in Dallas due to its low costs and top score. For $250K and $500K dwelling coverages, State Farm remains the budget-friendly option with its combination of cost-effectiveness and high ratings. Purchasing cheapest homeowners insurance in Texas aids in financial management, helping you allocate funds wisely.
| State Farm | $1,892 |
| Farmers | $2,204 |
| Chubb | $2,345 |
| Amica | $3,005 |
| Nationwide | $3,504 |
| IAT Insurance Group | $3,570 |
| ASI | $4,723 |
For high-value homes in Dallas, TX, Farmers offers the lowest yearly cost for a $750K dwelling coverage policy. Higher home values require more insurance because it costs more to fix or rebuild them, which is why home insurance costs can be higher.
Farmers stands out in Dallas due to its combination of competitive pricing and solid customer satisfaction. While cost is essential, the insurer also receives a high rating from MoneyGeek, suggesting that being the least expensive doesn't mean compromising quality.
| Farmers | $6,010 |
| State Farm | $6,482 |
| Chubb | $14,581 |
| Nationwide | $14,581 |
| IAT Insurance Group | $16,040 |
| Amica | $17,838 |
| ASI | $23,416 |
MoneyGeek finds that Nationwide offers the most affordable home insurance for new homes requiring $100K dwelling coverage in Dallas, TX.
Nationwide makes a compelling choice as it offers low premiums for $100K dwelling coverage, though it isn't necessarily the best according to other measures.
While cost savings are important, ensure you are also adequately covered.
| Nationwide | $814 |
| State Farm | $854 |
| Farmers | $1,465 |
| ASI | $1,585 |
| IAT Insurance Group | $1,636 |
| Chubb | $1,659 |
| Amica | $2,078 |
Securing the best cheap homeowners insurance is about finding a provider that delivers excellent customer service and comprehensive coverage at an affordable rate. Providers that achieve this balance offer peace of mind without breaking the bank, ensuring you are well protected from various risks to your home.
To guide you through the process, we outlined key factors to consider when seeking the best and most affordable homeowners insurance for your home.
To figure out how much home insurance you need, consider the specifics of your home — take into account the rebuilding costs, the value of your personal property and your liability needs.
Research insurance companies in Dallas, Texas. Focus on those with strong financial stability, positive customer reviews and a reliable service record.
Once you know your coverage needs, compare home insurance quotes. In Dallas, Texas, premiums for $100K dwelling coverage range from $1,892 to $3,570 annually.
Inquire about potential discounts with each provider, such as for bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can manage in case of a claim.
Adding security systems and sturdy locks can lower your home's risk profile, potentially reducing insurance costs.
A good credit score can influence your insurance rates in Dallas, Texas. Pay bills promptly and minimize outstanding debt.
Consider combining your homeowners insurance with other policies like auto insurance to get discounts and save money.
Finding the best cheap home insurance provider in Dallas depends on your coverage needs and budget. Get answers to common questions about the best cheap insurance rates in Dallas, Texas, to make an informed decision. Understanding these factors can help you avoid pitfalls and choose wisely.
The average cost of home insurance in Dallas, Texas, is $1,974.
The cheapest home insurance company in Dallas, Texas, is State Farm with an annual premium of $1,892.
The best home insurance in Texas for Dallas residents is provided by State Farm, with a MoneyGeek score of 90 out of 100.
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.
