Car Insurance in Dallas
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Car Insurance in Dallas, TX
Dallas is the third-largest city in Texas, with nearly 1.3 million residents. It offers plenty to do, including a 20-block-wide Arts District and several museums, like the Perot Museum of Nature and Science. Dallas is also the headquarters for several major companies, including Southwest Airlines, Abbott Laboratories, and Exxon Mobil Corporation.
Driving in Dallas can be quite an adventure, especially in a sea of commuters all trying to make their way to work. While there's not much you can do to ease traffic congestion, abiding by Texas driving laws can keep you out of legal trouble and accidents. Avoid speeding and refrain from using your cell phone while behind the wheel.
Dallas drivers must carry minimum car insurance of 30/60/25 coverage. If you purchased your vehicle with an auto loan or lease, you may be required to purchase additional comprehensive coverage according to your loan contract.
Where you live, and even your zip code, can drastically impact your insurance premiums. EverQuote lets you compare car insurance quotes in Dallas to find the cheapest policy that suits your coverage needs.
How much is car insurance in Dallas, TX?
The overall expense of car insurance in Dallas will vary greatly based on the coverage you choose. To give you a general idea, here are the typical costs for the three most frequently selected coverage options in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Dallas?
Evaluating and ranking the insurance costs for every car make, model, and year in the city is challenging. However, if you're interested in finding out which newer models are generally more affordable to insure, here are the top 10 most cost-effective car makes and models to consider in Dallas:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Honda Odyssey | $220 |
| 2 | Subaru Forester | $222 |
| 3 | Honda Cr-V | $222 |
| 4 | Toyota Corolla | $224 |
| 5 | Kia Sedona | $226 |
| 6 | Ford Fusion | $226 |
| 7 | Toyota Rav4 | $227 |
| 8 | Kia Sol | $228 |
| 9 | Toyota Tacoma | $229 |
| 10 | Ford F-150 | $236 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving history impacts your car insurance rates. Incidents like a minor accident, a major collision, speeding tickets, a DUI, or a hit-and-run can all affect your insurance costs. Below is a summary of how premiums adjust based on common claims and violations in Dallas, ranked from least to most significant:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $227 | 0% |
| Not at-fault Accident | $244 | +7% |
| Driving with expired registration | $262 | +15% |
| Speeding Ticket | $278 | +23% |
| DUI | $314 | +38% |
| Driving with a suspended license | $333 | +48% |
| Hit and Run | $341 | +51% |
| At-fault Accident | $368 | +62% |
What car insurance discounts can I get in Dallas?
In Dallas, various discounts can help reduce your insurance expenses. These include bundling multiple policies, paying in full upfront, opting for paperless transactions, and receiving renewal discounts for loyalty. The list below, ordered from the most significant to the least, highlights potential ways to save on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $200 | +$27 |
| Paid in Full | $215 | +$12 |
| Multi-Policy Renters | $218 | +$9 |
| Low Mileage | $218 | +$9 |
| Renewal discount | $220 | +$7 |
| Paperless | $224 | +$3 |
| Electronic Funds Transfer | $226 | +$1 |
| None | $227 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.