Cheapest Car Insurance in Dallas, TX (2024)
- Texas Farm Bureau has the cheapest rates for liability and full-coverage car insurance for most Dallas drivers.
- Texas Farm Bureau has an average rate in Dallas of $1,281 a year for full-coverage car insurance, and $539 for minimum liability-only coverage.
- USAA may offer a better deal than Texas Farm Bureau for active duty military, veterans and their families.
Cheapest full-coverage car insurance in Dallas: Texas Farm Bureau
Texas Farm Bureau has the cheapest full-coverage car insurance rates in Dallas, with an average rate of $1,281 a year.
State Farm has the second cheapest rates, at $1,488 a year.
USAA is the third cheapest — at $1,509 per year — but it’s only available to military families.
Cheapest full-coverage car insurance companies in Dallas
| Company | Average annual rate |
|---|---|
| Texas Farm Bureau | $1,281 |
| State Farm | $1,488 |
| Geico | $2,031 |
| Progressive | $3,101 |
| Allstate | $3,450 |
| USAA* | $1,509 |
A full-coverage policy usually combines liability, comprehensive and collision car insurance coverages. Full-coverage car insurance pays for your own damages after an accident, while liability only covers damages and injuries to others you’re responsible for.
Cheapest Dallas liability car insurance: Texas Farm Bureau
Texas Farm Bureau has the cheapest liability car insurance rates for most Dallas drivers, with an average of $539 a year.
State Farm is the next-cheapest for most drivers in Dallas, at $600 a year, though for military families, USAA places second with an average rate of $575 a year.
Cheapest liability car insurance companies in Dallas
| Company | Average annual rate |
|---|---|
| Texas Farm Bureau | $539 |
| State Farm | $600 |
| Geico | $853 |
| Progressive | $1,197 |
| Allstate | $1,324 |
| USAA* | $575 |
Liability insurance covers the costs of injuries and property damage to others if you’re found at fault after an accident.
It doesn’t cover your own injuries and damage, however. For that you would need personal injury protection, medical payments protection or health insurance, if you don’t have a full coverage policy.
Cheapest rates for young drivers in Dallas: Texas Farm Bureau
Texas Farm Bureau is the best option for cheap car insurance for teens in Dallas, with an average of $1,046 a year. State Farm is the next cheapest option for most Dallas drivers, at $2,043 a year.
Cheapest liability coverage for teen drivers
| Company | Average annual rate |
|---|---|
| Texas Farm Bureau | $1,046 |
| State Farm | $2,043 |
| Geico | $2,144 |
| Allstate | $2,843 |
| Progressive | $5,782 |
| USAA* | $1,186 |
Teen drivers tend to pay the highest rate of any age group because of their lack of experience driving.
A good way to save money on car insurance for your teen is by adding them to your current policy. While your rates will increase, it’ll usually still be cheaper than if you had two separate policies.
Cheapest rates after a speeding ticket in Dallas: Texas Farm Bureau
Texas Farm Bureau is the most affordable insurance company in Dallas for drivers with a speeding ticket or similar traffic violation, at an average rate of $1,281 a year.
State Farm is the next least-expensive choice in Dallas, averaging $1,488 a year after a traffic ticket.
Cheapest car insurance companies after a ticket
| Company | Average annual rate |
|---|---|
| Texas Farm Bureau | $1,281 |
| State Farm | $1,488 |
| Geico | $2,441 |
| Allstate | $3,450 |
| Progressive | $4,081 |
| USAA* | $1,705 |
A speeding ticket in Texas stays on your driving record for at least three years, during which time you will probably see higher insurance rates.
Cheapest rates after an accident in Dallas: State Farm
State Farm has the lowest average rate — $1,742 a year — for Dallas drivers with an accident on their record where they were at fault.
Texas Farm Bureau is the next-cheapest in this category, at $2,069 a year.
Cheapest car insurance companies after an accident
| Company | Average annual rate |
|---|---|
| State Farm | $1,742 |
| Texas Farm Bureau | $2,069 |
| Geico | $3,314 |
| Progressive | $4,850 |
| Allstate | $5,557 |
| USAA | $2,295 |
Cheapest rates after a DUI in Dallas: Texas Farm Bureau
Texas Farm Bureau has the lowest rates for Dallas drivers in need of cheap car insurance with a DUI (driving under the influence) on their record. It charges an average of $2,169 a year.
State Farm has the next-lowest rate at $4,347 a year, although this is about twice the cost of Texas Farm Bureau.
Cheapest car insurance companies after a DUI
| Company | Average annual rate |
|---|---|
| Texas Farm Bureau | $2,169 |
| State Farm | $4,347 |
| Geico | $4,583 |
| Allstate | $5,993 |
| Progressive | $15,925 |
| USAA* | $2,760 |
After a DUI, Texas drivers are required to carry an SR-22 — a document proving you have Texas’ minimum liability insurance — for two years.
Car insurance companies consider drivers with a DUI to be high risk. Some don’t offer SR-22 filings, and may deny coverage or cancel your policy.
If your insurer isn’t cooperative in helping with an SR-22, compare car insurance quotes from other companies and see if you can find a better deal.
Best Dallas rates for bad credit: Texas Farm Bureau
Texas Farm Bureau has the cheapest rates for Dallas drivers with a poor credit rating, charging an average annual premium of $2,899 a year.
Allstate comes in second, at an average rate of $4,871 a year.
Cheapest car insurance companies with bad credit
| Company | Average annual rate |
|---|---|
| Texas Farm Bureau | $2,899 |
| Allstate | $4,871 |
| Progressive | $5,199 |
| Geico | $5,453 |
| State Farm | $8,414 |
| USAA* | $2,591 |
Drivers with bad credit usually pay higher rates because many car insurance companies consider them more likely to file claims. Credit-based insurance scoring is still a hot topic issue, and has been restricted or prohibited in a few states.
If you’re not sure where your credit stands, you can check your credit score for free with LendingTree Spring.
Dallas car insurance laws
Texas law requires drivers to carry 30/60/25 car insurance limits. This means you need at least these amounts below for bodily injury and property damage liability car insurance:
Minimum coverage for car insurance in Dallas
| Coverage type | Minimum amount needed |
|---|---|
| Bodily injury liability (per person) | $30,000 |
| Bodily injury liability (per accident) | $60,000 |
| Personal property liability | $25,000 |
Although these limits meet Texas car insurance requirements, they may not be enough if you cause an accident that results in extensive injuries or damage.
Any claim-related expenses that occur once your policy limit is met will have to be paid by you out-of-pocket. To avoid this, consider raising your liability limits to what your budget can handle.
Methodology
The rates in this article are based on an analysis of auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Dallas.
Unless otherwise noted, our sample driver is a single 30-year-old male who owns a 2015 Honda Civic. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by each state.
Full-coverage policies include these coverages, limits and deductibles:
- Bodily injury liability: $50,000 limit per person/$100,000 limit per accident
- Property damage liability: $25,000 limit
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: Minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
*USAA is only available to current and former members of the military as well as certain family members.