CarInsurance.com Insights
- CarInsurance.com’s research shows that Texas Farm Bureau and State Farm offer the lowest state minimum car insurance rates in Dallas, with yearly premiums of $508 and $661, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Dallas can save an average of $3,852 per year on full coverage car insurance.
- Drivers in Dallas with a speeding ticket can find the cheapest full coverage car insurance with Auto Club Enterprises (AAA), at an average annual cost of $4,147.
- Progressive stands out as an affordable option for drivers with a DUI in Dallas, with average full coverage cost of $3,996 per year.
Texas Farm Bureau, Redpoint Insurance and State Farm are the top insurers with the most affordable car insurance rates for drivers in Dallas, Texas for a full coverage policy.
In Dallas, an adult with a clean driving record and good insurance score typically pays $780 per year for a state minimum car insurance policy and expect to pay $3,184 on average if you choose to purchase a full coverage policy.
Insurance companies take various factors into account, including age, driving history and car make and model, to determine premiums.
Location is another important factor that helps insurers calculate your insurance rates. Premiums vary significantly between cities and even by ZIP codes within the same city. High-traffic areas generally lead to more accidents and claims, so insurers also consider population density, road conditions and weather to determine rates.
That’s why our team of experts has created this guide to help you make smart decisions about car insurance. It also highlights the cheapest insurance companies in Dallas.
Who offers the cheapest car insurance rates in Dallas, Texas?
Texas Farm Bureau provides the cheapest car insurance for a state minimum policy in Dallas at an average cost of $508 per year or $42 per month. Its full coverage car insurance averages $141 monthly for the coverage limits of 100/300/100 coverage and $500 collision and comprehensive deductibles.
See the companies below that offer affordable car insurance to drivers in Dallas.
| Insurance company | Annual premium |
|---|---|
| Texas Farm Bureau | $1,686 |
| Redpoint Insurance | $2,179 |
| State Farm | $2,688 |
| Auto Club Enterprises (AAA) | $2,804 |
| GEICO | $3,216 |
| Progressive | $3,405 |
| Farmers | $5,262 |
| Allstate | $5,538 |
| USAA | $1,877 |
Average car insurance rates in Dallas
According to our rate analysis, state minimum coverage in Dallas costs an average of $780 per year. Opting for liability-only coverage with 50/100/50 limits would increase your monthly payment by $32 and your yearly premium by $379.
For full coverage (100/300/100 with $500 collision and comprehensive deductibles), you can expect to pay $200 more per month or $2,404 per year. However, it’s worth the extra cost as it provides adequate protection to drivers in the event of an accident.
| Coverage type | Annual premium |
|---|---|
| State minimum | $780 |
| Liability only (50/100/50) | $1,159 |
| Full coverage (100/300/100, $500 ded.) | $3,184 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $3,648 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $2,871 |
| Non-owners | $524 |
Cheapest rates for drivers in Dallas, Texas, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | Redpoint Insurance | $2,179 |
| Young adults (20-24) | Redpoint Insurance | $2,179 |
| Adults (25-60) | Texas Farm Bureau | $1,667 |
| Seniors (65-75) | Texas Farm Bureau | $1,409 |
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Cheapest car insurance rates for Dallas drivers after a speeding ticket
According to our data analysis, Auto Club Enterprises (AAA) offers the cheapest car insurance rates for drivers in Dallas with speeding tickets, at an average annual cost of $4,147 or $346 per month. Progressive and GEICO also provide affordable insurance rates following a speeding ticket.
Below are the car insurance companies that offer cheap insurance premiums for Dallas drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| Auto Club Enterprises (AAA) | $2,804 | $4,147 | 48% |
| Progressive | $3,405 | $4,611 | 35% |
| GEICO | $3,216 | $5,002 | 56% |
| Farmers | $5,262 | $7,449 | 42% |
| USAA | $1,877 | $2,127 | 13% |
Cheap car insurance for drivers with a DUI in Dallas
If you’re a driver with a DUI in Dallas, finding affordable car insurance can be challenging. However, Progressive, State Farm and Auto Club Enterprises (AAA) offer cheap car insurance rates for drivers in Dallas after a DUI conviction.
The table below lists affordable car insurance companies in Dallas that offer coverage to individuals with a DUI.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Progressive | $3,405 | $3,996 | 17% |
| State Farm | $2,688 | $4,170 | 55% |
| Auto Club Enterprises (AAA) | $2,804 | $4,619 | 65% |
| GEICO | $3,216 | $5,576 | 73% |
| Allstate | $5,538 | $8,604 | 55% |
| Farmers | $5,262 | $8,690 | 65% |
| USAA | $1,877 | $2,837 | 51% |
Affordable car insurers for Dallas drivers after an at-fault accident
Car insurance rates increase after an at-fault accident in Dallas for most drivers. However, some insurers offer affordable premiums to high-risk drivers.
In Dallas, State Farm offers the cheapest car insurance for drivers with an at-fault accident on their records. Other insurers that offer affordable premiums are Auto Club Enterprises (AAA) and GEICO.
See the table below to see which insurers offer cheap auto insurance premiums for Dallas drivers with an accident on their driving records.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| State Farm | $2,688 | $3,111 | 16% |
| Auto Club Enterprises (AAA) | $2,804 | $4,560 | 63% |
| GEICO | $3,216 | $5,019 | 56% |
| Progressive | $3,405 | $5,325 | 56% |
| Allstate | $5,538 | $8,684 | 57% |
| Farmers | $5,262 | $10,357 | 97% |
| USAA | $1,877 | $3,000 | 60% |
How you can save on your car insurance policy
You can save an average of $3,852 annually or $321 monthly on a full coverage policy in Dallas, Texas, by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your location, age and driving record, this shows a significant benefit to shopping for your policy.
Expert’s take on getting car insurance in Dallas
Shopping for a new auto insurance policy at renewal time is the best way to ensure you have the cheapest car insurance in Dallas, Texas. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed January 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed January 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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