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When it comes to buying car insurance in Dallas, you have a lot of options. All major car insurance companies can be found here, and many offer competitive rates to drivers. The good news is that you don’t need a flawless driving record in order to take advantage of cheap insurance in Dallas.
We’ll take a closer look at what your options are, as well as show you how you can save the most money on your car insurance.
Dallas Car Insurance Overview
There are many different variables that go into the price that you pay for car insurance in Dallas. It’s important to note that Texas follows the 30/60/25 Law wherein drivers must carry the following car insurance minimums for both bodily injury and property damage.
You’ll want to consider having more than just the minimums since there are things outside of car accidents that can damage your car, including things like theft, vandalism, or natural causes. In these cases, it’s a good idea to have collision and comprehensive car insurance as well as personal injury protection.
Personal injury protection, in particular, is vital in cases where your health insurance doesn’t cover injuries caused by a car.
That being said, the minimums for car insurance requirements in Dallas are as follows:
- Bodily injury - $30,000 of bodily injury liability per person
- Bodily injury - $60,000 of bodily injury liability per accident
- Property damage - $25,000 worth of property damage liability
Dallas Insurance Minimum Explained
Although these numbers are the minimum legal requirements for car insurance in Dallas, only carrying the minimum insurance can put you at serious risk.
Hospital costs for accidents and injuries can quickly eat up the minimum $30,000 or $60,000, especially in case of serious accidents, and $25,000 worth of property damage liability is a drop in the bucket when you consider how expensive some repairs can be.
Dallas, Texas Car Insurance Quotes
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Insurance Rates Per Vehicle
There are many factors that affect how much you pay for Dallas car insurance. For example, the type and age of the car you drive, any special features your car may have, and of course your driving record itself. But did you know that there are other factors which affect what you pay for car insurance in Dallas?
Things like your credit score, your age and your gender may all influence your insurance costs.
What makes a specific car expensive to insure?
Cars made in foreign countries tend to be more expensive to insure because mechanics are less familiar with them in case of an accident, and as a result, parts may be harder to come by as they may need to be imported.
Another factor which you may not realize can affect how much you pay for Dallas car insurance is if your car is a special edition, denoted by letters after the model like GT or SE. These types of cars may also require specific parts that can be more expensive to insure as a result may cost more than their regular base model versions.
Insurance Rates by Insurance Credit Score
Every car insurer has a different model for how they calculate the rates of car insurance. Keep in mind that in order to get the most accurate rates for your own needs, you’ll want to seek out quotes from specific insurers with your own details, such as the make and model of your vehicle, your age, and so on.
As a general baseline, the better your credit score, the less you can expect to pay for car insurance. This is because insurers view a good credit score as a worthy determiner of careful financial planning and thus, these drivers also tend to be more careful on the road.
You can raise your credit score by a few points each month simply by paying your monthly bills on time and paying more than the minimum on your credit card. Although credit score affects only a small part of what you pay in insurance, it’s nevertheless worth noting how different the rates can be between providers as well as between credit scores.
In the case of Dallas car insurance, State Farm leads the pack when basing insurance needs on credit score alone.
| Credit Score | Cheapest Provider | Rate For State Minimum Coverage |
|---|---|---|
| Poor 300-579 | Texas Farm Bureau | $2,494 |
| Fair 580-669 | Texas Farm Bureau | $1,753 |
| Good 670-739 | State Farm | $1,505 |
| Excellent 740+ | State Farm | $1,495 |
Insurance for Drivers With a Clean Record
If you’re a careful and conscientious driver and you have a spotless record, you can expect to pay less in terms of your car insurance. How much less depends on how much insurance you want, as well as insurance from various companies operating in Dallas.
See the table below for details on the average costs of Dallas car insurance including standard and full coverage compared to state minimum insurance:
| Insurance Agency | State Minimum Insurance | Standard Coverage | Full Coverage |
|---|---|---|---|
| State Farm | $1,467 | $1,698 | $1,876 |
| Allstate | $1,790 | $1,934 | $2,100 |
| Progressive | $1,550 | $1,741 | $1,939 |
| USAA | $1,263 | $1,521 | $1,725 |
| Esurance | $1,645 | $1,756 | $1,978 |
Insurance with Driving Infractions
Being a careful driver and following good driving habits isn’t always possible. We’re all human and sometimes we make mistakes. In case of a driving infraction or a ticket, your insurance rates could change depending on the severity of the accident or the cause.
For example, you will pay much higher amounts for a DUI than an at-fault accident. Your insurer might also put you on a high-risk policy that is significantly more expensive.
| Insurance Agency | State Minimum Insurance | Standard Coverage | Full Coverage |
|---|---|---|---|
| State Farm | $1,467 | $1,698 | $1,876 |
| Allstate | $1,790 | $1,934 | $2,100 |
| Progressive | $1,550 | $1,741 | $1,939 |
| USAA | $1,263 | $1,521 | $1,725 |
| Esurance | $1,645 | $1,756 | $1,978 |
Best Insurance Providers in Dallas
The best company to choose for Dallas car insurance is different for everyone. Since many factors need to be taken into consideration when choosing a company, there is no one size fits all approach for your needs. For example, you may find that you save more money with one company, or that you may pay less for adding a teenage driver to your policy with another. Fortunately, we’ve outlined our top picks below for a variety of insurance situations.
For example, you may find that you save more money with one company, or that you may pay less for adding a teenage driver to your policy with another. Fortunately, we’ve outlined our top picks below for a variety of insurance situations.
- Rideshare drivers
1. Cheapest Car Insurance in Dallas: State Farm
In terms of buying cheap car insurance in Dallas, State Farm is a clear winner.
Even if you don’t have the best credit score, you can still save a lot of money on insuring your car and get insurance from a reliable, established company that has served the Dallas area for decades.
If you need car insurance to cover your luxury vehicle, State Farm is going to be a reliable option for your premium car insurance needs.
Additional policy options are available to give your vehicle greater coverage beyond the standard, making State Farm an attractive choice for luxury car owners.
- Discounts
2. Car Insurance in Dallas For Multiple Cars: Nationwide
If you’re looking to add a new driver to your family car insurance policy or you’re adding another vehicle to your plan, it’s worth looking at.
Nationwide as your car insurance company in Dallas.
Nationwide has a longstanding policy of making it easy to save money even if you need to insure multiple cars, making it a great choice for insurance.
- Active military members
3. Best for Military and Military Families: USAA
USAA is a top-notch financial institution and has excellent customer service.
Even if you aren’t enlisted in the military, you may be able to buy a USAA policy if you have a spouse who is active or retired, or you have a parent who served in the military.
This can entitle you to USAA membership beyond car insurance in Dallas, so it’s definitely worth a look if you’re comparing your options!
- Infrequent drivers
4. Best for Safe Drivers: Root
Root is a unique new car insurance provider that offers policies based on your driving habits. You’ll install an app on your phone that monitors your speed, how often you make sudden turns and stops and mileage.
Then, the app creates a custom quote for you based on how well you drive.
Root doesn’t offer policies to everyone — the company avoids reckless drivers and those who have a long history of driving infractions so the company can keep premiums low. You may be able to save more when you switch to Root.
Choosing The Right Car Insurance in Dallas
The best way to save money on your Dallas car insurance while still getting the coverage you need is to take the time to get individualized quotes. Not only will you be customizing your coverage to suit your specific needs, such as the make and model of the car you drive, your age, demographic details and so on, but you may also be able to save money by including any discounts that you may qualify for, such as military, senior, educational savings, or saving money by bundling your home and auto insurance.
The bottom line when buying car insurance in Dallas is that it pays to shop around by getting quotes from reputable providers as well as factoring in all the discounts that you are entitled to. This will help you enjoy the greatest range of savings while still getting the coverage that you need.
Frequently Asked Questions
Is car insurance required in Dallas, Texas?
Yes, the following minimum coverage amounts are required for car insurance in Dallas, TX:
- Bodily injury – $30,000 of bodily injury liability per person
- Bodily injury – $60,000 of bodily injury liability per accident
- Property damage – $25,000 worth of property damage liability
How can I get cheaper car insurance?
The best way to get cheaper car insurance is to keep a clean driving record, keep your insurance active and keep your credit score intact. This will help mitigate factors out of your control, like your gender and location.