If you’re looking for cheap car insurance in Dallas, Texas, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Dallas — or anywhere.
To find the cheapest companies in Dallas, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Dallas driving a 2019 Toyota Camry L.
Read on to find out how auto insurance companies in Dallas stack up. You can also check out our list of the cheapest car insurance companies nationwide.
Table of contents
Cheapest car insurance companies in
Dallas
The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Dallas, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It’s important to remember that rates are determined individually, so these may not be the cheapest companies for you.
Company
Rate
NerdWallet Rating
Geico$1,384
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
State Farm$1,478
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
5.0
/5
Nationwide$1,485
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
USAA$1,580
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.0
/5
Republic Group$1,651Not yet ratedEsurance$1,722Not yet ratedTexas Farm Bureau$1,740
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
3.5
/5
Houston General$1,841Not yet ratedRedpoint County Mutual$2,073Not yet ratedNational General$2,074
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
3.0
/5
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
ZIP Code
GET MY RATES
Average car insurance cost in
Dallas
and
Texas
Rates across Texas differ from those in Dallas for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Texas is $1,717, while in Dallas, it’s $2,018.
Average city rate
Average state rate
$2,018$1,717
Average cost of car insurance in
Dallas
’s largest ZIP codes
The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in Dallas and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.
ZIP Code
Average Rate
75206$1,90375211$2,04975216$2,04175217$2,06675220$1,95375227$2,06475228$1,95875231$1,90875243$1,91175287$1,753
Cheap car insurance in
Dallas
by age
Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.
You could easily find that the cheapest company for you changes as you age. Here’s a breakdown of prices in Dallas for similar drivers at various ages, according to NerdWallet’s most recent analysis.
Cheapest for 20-year-olds
While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here’s what 20-year-olds in Dallas pay, on average.
Company
Rate
NerdWallet Rating
USAA$2,476
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.0
/5
Texas Farm Bureau$2,786
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
3.5
/5
Geico$2,985
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
State Farm$3,096
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
5.0
/5
Nationwide$3,549
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
Houston General$3,636Not yet ratedEncompass$4,498
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
3.5
/5
Esurance$4,544Not yet ratedRepublic Group$4,847Not yet ratedChubb$4,849
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
Cheapest for 35-year-olds
By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.
Here’s what 35-year-old drivers might pay, on average, in Dallas, according to NerdWallet’s analysis.
Company
Rate
NerdWallet Rating
Geico$1,384
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
State Farm$1,478
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
5.0
/5
Nationwide$1,485
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
USAA$1,580
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.0
/5
Republic Group$1,651Not yet ratedEsurance$1,722Not yet ratedTexas Farm Bureau$1,740
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
3.5
/5
Houston General$1,841Not yet ratedRedpoint County Mutual$2,073Not yet ratedNational General$2,074
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
3.0
/5
Cheapest for 60-year-olds
At age 60, your car insurance rates are about as low as they’re going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they’re getting into and charge less accordingly. That doesn’t mean you won’t be able to save money by bundling or tapp
ing into other discounts, so keep shopping around. Below are the cheapest companies, on average, in Dallas, according to NerdWallet’s most recent analysis.
Company
Rate
NerdWallet Rating
Geico$1,238
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
Nationwide$1,287
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
State Farm$1,358
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
5.0
/5
Republic Group$1,418Not yet ratedUSAA$1,427
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.0
/5
Texas Farm Bureau$1,452
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
3.5
/5
Esurance$1,496Not yet ratedHouston General$1,497Not yet ratedRedpoint County Mutual$1,721Not yet ratedMercury$1,739
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.0
/5
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
ZIP Code
GET MY RATES
Dallas
’s cheapest companies and rates by driving record
Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.
According to NerdWallet’s analysis, these are the average rates in Dallas by company for good drivers and those with violations on their record.
Good drivers
Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in Dallas according to NerdWallet’s most recent analysis.
Company
Rate
NerdWallet Rating
Geico$1,384
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
State Farm$1,478
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
5.0
/5
Nationwide$1,485
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
USAA$1,580
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.0
/5
Republic Group$1,651Not yet ratedEsurance$1,722Not yet ratedTexas Farm Bureau$1,740
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
3.5
/5
Houston General$1,841Not yet ratedRedpoint County Mutual$2,073Not yet ratedNational General$2,074
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
3.0
/5
Drivers with a DUI
Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.
Here are the average rates for drivers with a DUI in Dallas according to NerdWallet’s most recent analysis.
Company
Rate
NerdWallet Rating
Esurance$1,722Not yet ratedGeico$2,084
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
Republic Group$2,121Not yet ratedUSAA$2,329
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.0
/5
Houston General$2,413Not yet ratedState Farm$2,478
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
5.0
/5
National General$2,519
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
3.0
/5
Mercury$2,703
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.0
/5
Nationwide$3,090
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
Dairyland$3,139
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
2.5
/5
Drivers with an at-fault accident
If you’ve got an at-fault accident on your record, you’ll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in Dallas, according to NerdWallet’s most recent analysis.
Company
Rate
NerdWallet Rating
State Farm$1,861
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
5.0
/5
Geico$2,049
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
Republic Group$2,387Not yet ratedNationwide$2,435
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
USAA$2,482
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.0
/5
Texas Farm Bureau$2,903
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
3.5
/5
Houston General$3,102Not yet ratedChubb$3,404
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.
NerdWallet rating
4.5
/5
Redpoint County Mutual$3,413Not yet ratedEsurance$3,820Not yet rated
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
ZIP Code
GET MY RATES
Shop around to get cheap insurance
No matter what company you’re currently getting auto insurance from, remember that it’s important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.
Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.
Methodology
For our “good driver” profile, NerdWallet averaged insurance estimates in the city for single male and female drivers with good credit and no tickets or violations. The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not made available.
We used a 35-year-old driver (unless a different age is stated) and a 2019 Toyota Camry L and assumed 12,000 annual miles driven.
For full coverage policies, we used the following coverage limits:
-
$100,000 bodily injury liability per person.
-
$300,000 bodily injury liability per accident.
-
$50,000 property damage liability per accident.
-
$100,000 uninsured motorist coverage per person.
-
$300,000 uninsured motorist coverage per accident.
-
Collision coverage with a $1,000 deductible.
-
Comprehensive coverage with a $1,000 deductible.
Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used the same assumptions for all other driver profiles, with the following exceptions:
-
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
-
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
-
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
These are rates generated through Quadrant Information Services. Your own rates will be different.