If they have a Texas-registered vehicle, Dallas drivers are legally required by law to have car insurance. Dallas car insurance is expensive. The average premium for full coverage is $2,093 and minimum coverage $641.
Allstate data shows that Dallas drivers are 46% more likely to be in an accident than the average American. A comprehensive auto insurance policy is necessary because of this. Based on third-party ratings, average rates, discounts and other factors, we found the most affordable Dallas car insurance.
Dallas’s best car insurance companies
Dallas’s best car insurance companies offer low premiums, flexible coverage options and generous discounts. They also have access to great online resources and tools. These are the top providers that we believe are worth considering for Dallas drivers.
| Insurance Company | J.D. J.D. | Average Annual Premium for Minimum Insurance | 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 |
| All over the country | 820 / 1,000 | $559 | $1,498 |
Geico
Geico was rated by J.D. as one of the best Texas car insurance companies . Power is well-known for its affordable car insurance and unique discounts. Savings opportunities are available for military personnel, federal workers, good students, and emergency deployment. Geico also offers a highly-rated app that allows you to request roadside assistance, view ID cards, and receive repair estimates.
State Farm
State Farm has been a favorite car insurance provider in Dallas. It offers affordable rates, great online tools, and a wide range of discount. State Farm offers savings to students who are safe, have no accidents, insure multiple vehicles, send students off to school, and provide safety features. State Farm also offers two safety driver reward programs: Steer Clear is for drivers younger than 25 and Drive Safe & Save is for those who are over 25.
USAA
USAA has the best insurance company in the country. However, you have to be a member of the military to qualify. USAA offers low rates for drivers in Dallas. They also offer great customer service, claims handling, and discount. USAA offers savings for safe drivers and students.
Allstate
Allstate offers great car insurance for Dallas drivers looking to add endorsements to their policy. Allstate offers sound system insurance, car replacement coverage, and other policies that offer additional protection. Allstate also offers discounts that include a deductible rewards program, and a safe driver rewards programme called Drivewise which uses telematics for tracking driving habits.
All over the country
A comprehensive policy for car insurance can be purchased from Nationwide in Dallas at a lower rate than the average. Nationwide offers a variety of endorsements that provide flexible coverage. These include accident forgiveness, roadside assistance, and a vanishing-deductible. You can also take advantage of discount and enroll in Nationwide’s program called SmartMiles which is great for those who are not frequent drivers.
Dallas has the lowest car insurance
Dallas drivers pay more for car insurance than Texas average drivers. The average cost for car insurance is $1,823 per annum for full coverage and $524 for minimum coverage. The average premium for full coverage insurance in the United States is $1674 and $565 respectively.
The rates of car insurance in Dallas can vary depending on the provider. Below is a table that shows the cheapest Dallas car insurance rates based on market share.
| Insurance Company | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|
| Geico | $484 | $1,533 |
| USAA | $488 | $1,519 |
| All over the country | $559 | $1,498 |
| Mercury | $642 | $2,019 |
| State Farm | $658 | $1,660 |
All Texas car insurance providers are not created equal. USAA, for example, only sells insurance to military personnel. Geico and Nationwide offer similar rates and have no eligibility requirements.
Nationwide offers the most coverage options. Nationwide offers a limited number of endorsements making it difficult to tailor your coverage. Any carrier listed will satisfy your requirements if you’re looking for good discounts.
Dallas insurance requirements
To legally drive a car in Dallas, drivers must have 30/60/25 personal liability insurance. The following coverages are included in a minimum coverage policy for Dallas:
- $30,000 per person in bodily injury coverage
- $60,000 per accident in bodily injury coverage
- $25,000 in property damage coverage per accident
The cheapest type of car insurance is minimum coverage. Insurance companies recommend that drivers buy more coverage than is necessary. You are at risk of legal and financial problems if you do not have sufficient coverage. Your lender might require that you have full coverage insurance if you finance or lease your vehicle.
Dallas car insurance discounts
Dallas offers discounts for drivers who purchase car insurance. These are the most common auto insurance discounts that you’ll find in Dallas, despite the fact that the discounts offered by each carrier may vary.
- Discount on vehicle safety features: You may be eligible for a discount if your vehicle features advanced safety features like anti-lock brakes and anti-theft systems.
- Discounts for drivers who don’t have any insurance claims can usually get a lower policy rate.
- Student discount: Students in high school or college who have a minimum GPA may be eligible for a student discount.
- Multi-vehicle Discount: Insuring multiple cars on one policy typically results in a lower annual premium.
Questions frequently asked
Which is the best auto insurance company?
There is no one company that is best for all drivers. The best car insurance company will be the one that meets all your needs and is within your budget. It is important to compare quotes before you decide on a car insurance provider. Talk to a licensed agent if you are having difficulty deciding.
What is the cost of car insurance in Dallas?
The average cost of car insurance in Dallas is $2,093 per annum for a full coverage policy, and $641 for a policy with minimal coverage. Car insurance rates can vary depending on your personal circumstances. You might pay more or lower than the average city rate due to factors such as your credit score, age and make and model of the vehicle.
