CarInsurance.com Insights
- CarInsurance.com’s research shows that Incline Insurance and State Farm offer the lowest state minimum car insurance rates in Dallas, with yearly premiums of $745 and $918, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Dallas can save an average of $4,936 per year on full coverage car insurance.
- Drivers in Dallas with a speeding ticket can find the cheapest full coverage car insurance with Progressive, at an average annual cost of $4,870.
- Progressive stands out as an affordable option for drivers with a DUI in Dallas, with average full coverage cost of $4,258 per year.
According to a detailed data analysis, Incline Insurance, State Farm and GEICO provide cheap car insurance rates for drivers in Dallas, Texas for a full coverage policy.
Car insurance in Dallas for an adult with a clean driving record and good insurance score costs $987 a year for a state minimum policy and $3,426 for a full coverage policy.
Insurance companies consider drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.
Where you live is also a significant factor. Car insurance rates can vary significantly from city to city and even from one ZIP code to another. More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors to calculate premiums.
That’s why our experts have created this comprehensive guide to help you make smart decisions about car insurance. It also lists the cheapest car insurance carriers and rates in Dallas.
Who offers the cheapest car insurance rates in Dallas, Texas?
In Dallas, Incline Insurance has the lowest rates for a state minimum policy, costing $745 per year or $62 per month. Its full coverage car insurance averages $1,950 annually for the coverage limits of 100/300/100 coverage and $500 collision and comprehensive deductibles.
Below, we mentioned the insurers that offer affordable car insurance for Dallas drivers.
| Insurance company | Annual premium |
|---|---|
| Incline Insurance | $1,950 |
| State Farm | $2,913 |
| GEICO | $3,157 |
| Progressive | $3,592 |
| Auto Club Enterprises (AAA) | $4,045 |
| Allstate | $5,871 |
| Farmers | $6,886 |
| USAA* | $2,281 |
Average car insurance rates in Dallas
Based on our rate analysis, the average cost of car insurance for state minimum coverage in Dallas is $987. If you choose liability-only coverage with limits of 50/100/50, you’ll pay $8 more per month or $94 more per year.
For full coverage (100/300/100), you would pay an additional $203 per month or $2,439 more annually. Experts recommend purchasing a full coverage policy as it provides more protection than state minimum and liability-only policies.
| Coverage type | Annual premium |
|---|---|
| State Minimum BI/PD | $987 |
| Liability Only – 50/100/50 BI/PD | $1,081 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $3,426 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $3,860 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $3,087 |
| Non-Owners | $660 |
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) | Incline Insurance | $1,950 |
| Young Adults (20-24) | Incline Insurance | $1,950 |
| Adults (25-60) | Incline Insurance | $1,950 |
| Seniors (65-75) | Incline Insurance | $1,950 |
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Cheapest car insurance rates for Dallas drivers after a speeding ticket
Our data shows that Progressive has the most affordable car insurance rates for drivers in Dallas after a speeding ticket, with an average annual cost of $4,870 or $406 monthly. GEICO and Auto Club Enterprises (AAA) also offer affordable premiums to drivers with speeding tickets on their records.
Below is a list of car insurance companies that offer affordable rates for Dallas drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) | $ Increase |
|---|---|---|---|---|
| Progressive | $3,592 | $4,870 | 36% | $1,278 |
| GEICO | $3,157 | $5,190 | 64% | $2,033 |
| Auto Club Enterprises (AAA) | $4,045 | $8,049 | 99% | $4,004 |
| Farmers | $6,886 | $9,918 | 44% | $3,032 |
| USAA* | $2,281 | $2,587 | 13% | $306 |
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 GEICO 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 | $3,592 | $4,258 | 19% |
| State Farm | $2,913 | $4,688 | 61% |
| GEICO | $3,157 | $5,704 | 81% |
| Allstate | $5,871 | $9,267 | 58% |
| Farmers | $6,886 | $9,302 | 35% |
| Auto Club Enterprises (AAA) | $4,045 | $10,395 | 157% |
| USAA* | $2,281 | $4,413 | 93% |
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 GEICO and Progressive.
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 | $2,913 | $3,413 | 17% |
| GEICO | $3,157 | $5,459 | 73% |
| Progressive | $3,592 | $5,609 | 56% |
| Auto Club Enterprises (AAA) | $4,045 | $6,876 | 70% |
| Allstate | $5,871 | $9,406 | 60% |
| Farmers | $6,886 | $18,771 | 173% |
| USAA* | $2,281 | $3,855 | 69% |
Compare car insurance quotes in Dallas: How to save on an insurance policy?
CarInsurance.com’s rate analysis shows that you could save an average of $4,936 per year or $411 per month on a full coverage policy in Dallas, Texas, by comparing insurance quotes. Though savings will depend on factors like your location, age and driving record, comparing policies can lead to significant savings.
Final thoughts: Car insurance cost in Dallas, Texas
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 July 2026.
- Insurance Information Institute. ‘Senior driving safety and insurance tips.’ Accessed July 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.
*USAA is only available to military community members and their families.
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